I recently celebrated my 60th birthday. As I live in Scotland, that meant that I was eligible for a National Entitlement Card (NEC), commonly referred to as an over 60s Bus Pass. This smartcard offers the holder free bus travel throughout Scotland.
It’s a good idea to apply for your NEC a couple of weeks before your 60th birthday, as it takes an average of ten working days to process your application.
We live in Stirling, so I had to pick up an NEC application form at Stirling bus station. You need to make the application in person. So that I could complete the form at the bus station as soon as I picked up the form, I had read up in advance that I would need a recent passport style photo and two forms of ID to make the application.
You can save some serious cash by using coupons or voucher codes when shopping online. I’ve saved up to 20% by using coupons and voucher codes.
But, it can be such a pain finding the valid coupon code which offers the highest discount. It was so frustrating finding a code, which when entered on the retailer’s website, wouldn’t work.
Honey is a Chrome browser extension (a software application) which automatically searches for valid coupons and voucher codes when you are shopping online.
However, you need to be aware what data any browser extension can access and what will happen to that data.
I’ve found the Honey extension to be a boon. It does find a valid coupon or voucher code most of the time. I still do a quick search online to check if I can find a better coupon. On the occasions when I have found a code and added it to on the shopping cart page, a Honey pop-up message comes up asking if I’d like to share the code with other Honey users.
I recently spent a week on London. I was so impressed by Transport for London (TfL). I chose accommodation located in a central location to facilitate getting around.
My studio was in North Gower Street, close to Euston railway station. I was also close to three Tube stations; Euston, Euston Square and Warren Street . Plus, there were lots of bus stops within a five minute walk.
I travelled outside the central Zone on three days 1 e.g., to Eltham Palace in south east London and to Willesden in north west London. I used the Tube, buses, Overground and National Rail. I never waited for more than five minutes, even on a Sunday.
For six days of travel in London, I paid £42, which was such good value for money. I travelled during both peak and off-peak times of day.
Investing is something that many people partake in at some point, usually with the aim of increasing their capital, but sometimes as a new hobby. Starting out as an amateur investor is exciting, but it certainly does not come without its risks, which means every newbie should assess their current financial situation, create an investment plan and carry out lots of research beforehand.
Here, we discuss the common mistakes that many new investors make and how you can avoid them.
Investing before the time is right
This is perhaps the most common mistake that beginner investors make and almost always lands people in hot water. Investing before you are in a good financial position to do so is extremely risky and could mean you lose far more than you can afford to.
As such, sensible would-be investors will first assess their finances, including a full financial audit that outlines all ingoing and outgoing expenses. This will help them decide if there are any places where they can cut costs or make savings. Before investing, all major debts should be paid off, or at least be at a manageable level.
Carrying out such an audit allows us to decide whether now is the right time to invest, or if waiting is the more sensible option. If there is a significant amount of outstanding debt to pay off, then our financial obligations will simply outweigh any expected gains from our investments.
No risk tolerance is established
Investing is, of course, risky by nature, which is why everybody who is entering the sphere should be prepared to lose money. Risk will vary depending on the investment in question, with some carrying a high level of risk, and others being quite low-risk. This is where risk tolerance comes into play.
As we live in a flat, there is a common buildings insurance policy, which is arranged by the factor (property manager), we have to buy separate home insurance cover.
The premium that we pay for the buildings insurance for a top floor three bedroom flat is already higher than the joint buildings and contents insurance that we paid for our previous three bedroom detached house. This is partly due to the factor earning a commission on the block buildings insurance policy. Plus, the construction of the flat is non standard, as it has a rubber roof.
The block building insurance for our flat doesn’t even offer as good a level of cover as the joint buildings and insurance cover which I arranged for our previous home. The excess on the block policy is higher and the number of days during which the property can be left unoccupied is fewer.
Overall, I believe it is a good thing to common buildings insurance cover administered by the factor. when living a flat. One of my friends lived in a flat in Stirling where everyone in the block arranged their own insurance. She also lived in a top floor flat. When there was a leak in the roof and she had to organise an emergency repair, here insurance company would only pay for one sixth of the cost. Three of the neighbours never paid, leaving her seriously out of pocket.
The rubber roof in our current flat also means that I was only able to get three quotes for separate home contents insurance. Again, the price for home contents insurance is higher than the price of combined buildings and contents cover in the our previous home.
There also the complication of having to deal with two different insurance companies if we had a major incident at the flat which involved damage to the structure and the contents.
It seems crazy to be paying more than the twice the price for inferior cover to insure a flat than we paid to insure a detached house.
After buying your new boiler, the next step is to purchase a suitable boiler cover plan. This means in the event of a boiler breakdown; the service provider will have an engineer diagnose the problem and fix it.
In addition, if your plan includes a servicing contract, then an engineer will service the boiler on annual basis to make sure it works well.
However, boiler covers come with different terms and conditions. Therefore, it’s important to carefully analyze all available options before settling on a final cover provider. This includes searching for the best value for money and speedy response in case of a breakdown.
Take a look at what you should look for in a boiler cover provider.
1. Choosing a Suitable Policy
By choosing a suitable policy, you’ll avoid spending too much money. First off, you must understand that the boiler cover you intend on purchasing will depend on your type of boiler.
Furthermore, your circumstances will also influence the type of policy you’ll choose. For example, does your boiler heat your house and your water? Is this is the case, you may want to add central heating in your cover to protect your radiators.
Nevertheless, be sure to look out for other extras included in the policy. For instance, other items which your home insurance covers such as drainage, pipes and electrical faults. Overlapping covers may cost you more.
The newest cars on the market are often unattainable for most, making second-hand cars the preferred choice for many people wanting to get behind the wheel. Buying a new set of wheels can prove somewhat daunting, though, with a large number of us not having a clue what to look for.
Whether purchasing a second-hand car through a dealership or a private seller, there are several key points to take into consideration before parting with your hard earned cash.
1. Consider all the costs
When buying a car, many people fail to consider all the initial and ongoing costs necessary to maintain the vehicle. Being a motorist certainly does not come cheap, and beyond the initial payment, which can be made outright or through one of the many UK car finance brokers, there are a plethora of other continuing costs involved. Fuel, insurance, tax, MOT, parking permits and vehicle maintenance all must be taken into consideration when budgeting for a car.
In October 2017, started thinking about replacing my then six year old Samsung R519 laptop. However, I never got around to doing it. Partly because I was unsure of what I should buy as a replacement and partly because the Samsung could do everything required.
But recently the Samsung laptop had become so slow, that I needed a replacement.
It was the same old confusion as in October 2017 in trying to decide on a replacement device.
I’ve had an Acer Asprie CB5-311 chromebook with a 13 inch screen as my back up and travel laptop for three and a half years. As I’ve been very happy with it, I was tempted to buy a chromebook with a larger screen as my main laptop. While a 13 inch screen is a good compromise for travel in that it’s fairly portable and compact, I like to have a 15 inch screen on my main machine.
Chromebook do have limitations, but as I mainly use browser based applications, they haven’t affected me much. The main issue has not being able to print from my Chromebook, as my WiFi printer is not Google Could Print ready. But I can print from my mobile phone using the Printer 2 Go app.
I decided to take the plunge and purchase an Acer CB515-1HT-P099, which has a full HD 15.6 inch touchscreen. It cost £399 from John Lewis, who included a two year guarantee as standard on electrical and electronic goods.
It’s no secret that I love to travel. With the world being such a big place, I can’t wait to get out there and explore everything that mother nature and the world has to offer. I like to be the type of “get up and go” type of person. That means that basically, I like to wake up, get up and hit the road to whatever destination I want.
What that also means is that I need to have everything secured and in place when it comes to my finances way ahead of time. I can’t take the chance of being somewhere when traveling and being stranded with access to my money. It just wouldn’t work, at all.
If you’ve been bitten by the traveling bug and are looking for adventure, make certain that you have your money with a good bank! Here are 5 reasons to find a good bank before traveling.
5 Reasons to Find A Good Bank Before Traveling
1.You may not have access to a bank where you are going
Depending on where you want to travel, you may not be able to walk into the lobby of a bank when you need or want money. You need to plan ahead! Connecting with LetMeBank before you start your travels is a great way to ensure that you can find a bank or credit union that you trust.
Many individuals have been concerned with the state of the UK housing market. With cities such a London feeling a growing amount of economic pressure and due to the fact the Brexit is associated with its own share of unknown variables, many landlords are looking to attract as many possible tenants as possible in order to supersede any volatility that might be looming just over the horizon. This is also why a growing number of professional letting agencies are taking to the online community so that they can leverage the power of exposure. What steps might landlords be able to take with the help of e-commerce platforms and why might such methods prove to represent invaluable assets during 2019? Let us first begin by looking at the basic principles behind a free web store before moving on to examine some of the best e-commerce solutions at the moment.
More Than Retail Sales Alone
Most individuals will immediately attribute online retail portals with product sales and marketing campaigns. While this is indeed true, what exactly defines a “product” in this day and age? We need to consider the concept of a product with a much broader terminology. In this sense, it signifies any tangible good or service that is offered by one individual to another for a specific price. The real estate is certainly no different. As opposed to selling a physical retail item, we are instead referring to the ability to post letting opportunities to the general public. Read the rest of this entry »
I’m Karen Bryan, founder of the Help Me To Save website. As a canny Scot, I’ll help you save money, spend less & enjoy life.