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We are all looking for ways to save money each month; it would appear that monthly costs have gone up across the board. Fuel and supermarket bills are on the rise and salaries are remaining the same. The recession has not helped matters and most of us are feeling the pinch with little or no disposable income. There are some easy ways to reduce outgoings and free up some more cash to spend on enjoyable pursuits such as meals, nights-out and weekends away. It may even be possible to pay for a holiday if enough savings can be made. Make a list of all outgoings and go through them one by one eliminating anything unnecessary then going on comparison sites to find cheaper deals for insurance, gas & electricity or mobile phones. Some suppliers of phones, gas and electricity or television and broadband suppliers offer free gifts as incentives to encourage you to sign-up. This can be helpful if you need the free gift on offer such as a television or laptop. When it comes to car and house insurance it does not pay to stay with the same company when policies are up and it is time to renew. Ironically your existing broker may put their prices up and cost you more money to stay with them. When you receive you renewal notice go online and see if comparison sites can find you a better deal. Be sure that all aspects are the same for example if you have breakdown cover as an optional extra the new cheaper policy should also include this or you will not be saving money and could lose out. If you find a better deal elsewhere for phones, television and broadband or car and home insurance contact your existing supplier to give them the opportunity to match the new deal. Many have flexibility if it means they can retain you as their customer. Gas and electricity suppliers have various tariffs it could simply be a case of changing to a cheaper tariff. Again, comparison sites will be able to show you who is the cheapest in your area – be sure to give the correct information for example if you could provide the last year’s usage it will enable accurate new charges to be applied. It is a common mistake to obtain a cheaper monthly payment from a new supplier then after a few months when the actual meter readings are taken to find out the account is in debit and monthly bills rise again. Go online to look for comparison websites – you can compare just about every service or utility such as gas and electricity. Mobile phone deals and cheap phone contracts can also be compared online if your current contract is due to end it can be worth shopping around and possibly obtaining a free gift if you switch.
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