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Check Fuel Prices for Holiday Car Rental – Comparing the price of unleaded petrol and diesel prices could save you money by either filling up your hire car in a neighbouring country where fuel costs less, or hiring a diesel car in a country where diesel costs less than unleaded petrol.
With a possible rise in UK interest rates in 2015, an 18 month fixed rate account might be a good option for your savings. It would give you a guaranteed return, without tying up your cash for too long, in the hope of higher rates of interest on savings account once the account matured.
The problem is that many best buy savings tables only list accounts in one year multiples e.g. one, two or three year accounts, so you may need to do a manual search for ’18 month fixed rate savings accounts’
I’ve been looking at Cash ISA accounts, so will give an example using accounts currently available. An 18 month fixed rate Cash ISA with the Yorkshire Building Society currently pays 2%. A one year fixed rate Cash ISA with the Co-op Bank pays 1.85%, that’s 0.15% less than the Yorkshire BS 18 month account. Tying your money up in a two-year Cash ISA account with the National Counties Building Society paying 2.1%, earns you an additional 0.1%, compared to the Yorkshire BS 18 month fixed rate Cash ISA.
According to newly published research unemployment in Birmingham has risen in the last 10 years to 16.5% from 9.2%, which amounts to a staggering 79.4% rise. In addition the average house price in the city is £114,177, compared to the national average of £167,353.
These figures were released in a press release by credit comparison experts TotallyMoney.com, alongside the Total Money Credit Map, which shows that Birmingham is the ‘22nd most likely place to be rejected for a credit card’ in the UK. This would appear to add credence to the commonly-held notion that your geographical location has a direct impact on your ability to obtain a credit card.
I recently purchased a pair of hiking boots from Amazon. The offer included Free delivery and Free return.
The shoes arrived within the expected time but did not fit (too small). I then hit the on-screen button to return them and was asked for the reason. After that I was given the choice of returning them either by collection from my house and losing £6 from the price I had paid (Amazon’s highlighted choice) (!!!), or, I could return the shoes by any means I wanted but the maximum return postage that might be refunded to me would not exceed £3.49. Now, this was a box of shoes size 10, weighing just over 1kg. I very much doubted whether I could return it for anything near that price.
It’s certainly worth having a look at the prices for unleaded petrol and diesel if you’re planning to rent a car during your holiday.
Even if you’re not planing to drive for long distances but you are staying close to a border, you could fill up your rental car during a day trip to a neighbouring country which offers cheaper fuel. If you are staying in Norway, it’d cost a lot less to fill up your hire car in Sweden than in Norway. The same goes for the Iberian peninsula, as fuel is cheaper in Spain than in Portugal. Of course, I’m not suggesting that you do a trip only to find cheaper fuel, but it’s something of which to be aware when planning days out.
If you’re planning to do long journeys, you could save money by hiring a diesel car in a country such as France or Spain where diesel costs less per litre than unleaded petrol. You need to calculate the saving on fuel against any additional cost to hire a diesel car. This strategy worked well for us when we hired a diesel car at Lubeck Aiport in Germany and drove around 1,500 kms exploring the Mecklenburg Vorpormmen region in eastern Germany and had a day trip to Poland. I also hired a diesel car at Girona Airport in Spain when undertaking a round trip to the south-east of France. Read the rest of this entry »
I read that there had been an increase in the number of people in the UK switching their electricity and current account suppliers during late 2013.
In my opinion, the increase in electricity supplier switching was driven by the announcement of big price increases. The increase in current account switching was kick-started by advertising of the faster current account switching service, combined with some tempting offers for new current account customers.
We’re on an EDF Dual Fuel Fixed Rate deal until 30 June 2015. However, we could change without any penalties, so I am on the lookout for a better deal. I saw some longer fixed rates on offer a few months ago, but as the rate per unit was higher than we’re paying now, I decided to stick with our current supplier. If fuel prices do keep increasing, I may regret not switching to a longer fixed rate deal when these deals where on offer. I recently applied to get a free no-obligation quote through the ‘Ready to Switch’ collective purchasing scheme. I will hear the results of the auction at the end of this month.
A recent survey by Luma highlights some of the perils of not being aware of your partner’s finances before getting into a serious relationship. When interviewees were asked what was important in choosing a new partner, more than 50% answered physical appearance, but only 10% answered financial stability.
Only 30% of interviewees had discussed their personal finances before moving in together. That inevitably lead to some nasty surprises, with almost 30% of interviewees later discovering that their partner was in debt and nearly 13% had county court judgments and bank defaults. These types of financial issues can lead to being turned down for a joint mortgage or bank account.
So how to should you approach discussing finances with a new partner? It’s hard to say how soon you should start talking about money. In some ways, the earlier the better, so you know what could be in store for the future. In other ways, you want to get to know the person first, to decide if you want this to become a serious relationship.
We bought some ‘Shire Famous Pies’ Balti Chicken Pies (made with 100% chicken breast) from Aldi as a change to our winter diet; we thought that a pie with such a spicy chicken filling sounded like an interesting and unusual combination. Certainly the picture on the outside of the packet looked pretty enticing.
After the recommended cooking time we sat down for lunch, only to discover that between us (2 people, 4 pies) we had a grand total of 8 small pieces of chicken swimming in the sauce.
Compare the Market is carrying out a survey into debt consolidation. This is when you take out one loan to replace several different loans. This is often done to lower the rate of interest paid and/or to simplify your finances by only having one monthly repayment to make e.g. transferring credit and store card balances to a new card. Click here for more information on some of the best credit card deals.
If you’ve ever undertaken debt consolidation, can you please answer the five questions in the questionnaire below. It only takes a couple of minutes to complete. I’ll report on the results after the survey closes.
Create your free online surveys with SurveyMonkey , the world’s leading questionnaire tool.