30 Havering Extra, February 2012 Reshape your finances By Jeremy Gates


MANY of us will need to look closely at where our money goes in 2012. The Family and Parenting Institute has warned


that the average income of households with children will fall by 4.2 per cent between now and 2016 -equivalent to £1,250 per year. Andrew Hagger,savings expert at Moneynet.co.uk, says: “Many people promise to sort out their finances -and do nothing about it. “This time, set some time aside and look at everything going out on your bank account and credit cardstatement, and tackle each individ- ual component. “You have to pay council tax, but other things


-mortgages, insurances, utility bills -invariably cost less elsewhere. And always look to switch acredit cardbalance to azeroper cent intro- ductory rate, if your credit rating allows it.” Kevin Mountford, head of banking at MoneySupermarket.com, reckons afamily can save as much as £3,200 ayear from asmart financial review. He says: “Nobody denies 2011 was an uphill


Gatwick Flyer C


ELEBRATE 25 years of success with Gatwick Flyer this year,with aspecial anniversary offer. The company,which was launched in 1987


by George and Carole Tovey and joined by Roy and Sally Seboa in 1988, celebrated its 25th anniversary on February 1. The families, who arevery much still involved with


the business, now have plans to make changes that look set to secureits unique service for years to come including taking online bookings from travellers visiting the country,especially in this Olympic year. Gatwick Flyer began operating services to and


from Gatwick Airport, beforeadding asecond serv- ice to Stansted Airport in 2006. It now runs up to 12 pre-booked scheduled services around the clock, every day except Christmas Day. One of its owners, Roy Seboa, said: "It is quite


which is alot cheaper than taxis." It’sfleet of modernvehicles offer passenger com-


fort, three-point seat belts and hands-free tele- phone communication system. To join in the celebrations call Gatwick Flyer for


your airport transfer,quote "25 years" when book- ing and enjoy adiscount until February 29, 2012! For further information about Gatwick Flyer call 01708 730555 or visit www.gatwickflyer.co.uk


remarkable that we have continued in this climate, but we believe it is down to our unique service. "Wegive people apersonal service, door-to-door,


struggle as increased winter fuel bills and the rising cost of living took their toll on families. “Consumers must tighten up their finances. Despite the tough economic climate, too many Britons still make the mistake of sitting on aver- age products which provide alow returnor cost morethan they need to. “Often, savings don't even requireachange


of lifestyle, merely afew minutes of research to check your current deal. Then compareitto other products and change to amorecompeti- tive deal if necessary.”


◆ Get debts down. ◆ Consider an offset mortgage. ◆ Maximise your savings power. ◆ Get acheaper loan. ◆ Get the right current account. ◆ Choose the right credit card. ◆ Get the right deal on your car and home insurance. ◆ Get the right deal on TV,phone and internet charges.


Tips include:


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