Cllthcroe Advertiser & Times. 2 YOUR MONEY "V ^ " .-.: v ; ; t w ^ : . *\vr2'.s-v


DREAMING OF A SUMMER ‘ HOLIDAY? Start thinking about your annual •


• holiday now and you could save; v ;. youiself a packet, says Bob. Atkinson, from www.travelsupermarkeLcom.' “There are more early booking


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AUGUST UNDERGRADUATE ECONOMICS


: Students heading off to university should be aware that banks will' befalling over themselves to get you through the door. . . But don’t be fooled by incentive gifts such as a free iPod Touch for all new customers.


• Banks know if you sign up to them now, you probably won’t . leave them for life, so take advantage of your bargaining position and see if they won’t throw in some free cash along with the gimmicks. If you don’t ask, you don’t get.


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Plan your annual budget at the ^


start of theV.V!


financial year toja^ ^ ''.'".; . keep a track' of


_ where your. kmoney Is going:


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DROP THE DEBT . , ‘ : . ■


If you’ve racked up debts with unexpected expenses or a big buy-now-pay-later purchase or three, deal vvitli it novv. ■ " .


Take advantage of an, interest-free credit card to sensibly manage your debt. With up to 13 months zero per cent offers available, you’ll be paying it off in no time.


- ‘ - Just don t fall into the trap of keeping your debt rolling on zero per cent cards year in year out.


TTi6 money you will spend on balance transfer fees will soon increase your debt. If your debt is growing and spreading, better to consolidate it with a low interest loan or add it to the cost of your mortgage. It’s a better way to pay off debt in the long run. '


•JUNE O U T A N D ^O U T


’’As,the weather gets warmer, our social lives get ' -livelier!


' ■


'. Whether it’s eating out with friends al fresco, ■ or heading down to the lixial pub's beer garden, ; it’s easy to spend more than we intend.


’ . .Set yourself a realistic limit for entertainment ■'■ B U IL D I N G SO CI ET Y marsden Today, the Marsden has over £356M of .assets and 40,000 members, providing


. 'T^,;- a strong mutual alternative to communities across the North West. •- • . . , We remain focused on the needs of our savers and borrowers. ’


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■ expenses and if you are going to splash but on - that pricey bottle of wine, make cuts elsewhere


You can have your cake and eat it too - iust riot all the time!


' FREEZE YOUR HEATING BILLS ' OCTOBER


JULY V GETAWAY


Jetting off somewhere hot this summer? Ensure you have your European Health Insurance Card and suitable travel insurance, says Bob Atkinson, travel advisor for ■ www.travelsupenmarket.com. “It’s vital to buy a travel insurance


policy - ideally at the same time you book the holiday so any unexpected cancellations are covered. Cover is available from as little as El T for a family of four travelling to Spain, so it’s very affordable.” ■


H -


ivMake sure you move over to the c h e a p e s t -,3 ^energy provider foifyour consumption and»,.n:,.~-i|.


rTr^ion before the cold weather.sets in.- ff-H-You can shave pounds off your monthly < - ’’■'and quarterly bills by haggling with customer-


~ services ■ ■ Scott Byrom, energy expert at »! vvww.m'oneysupermarket.comi says; ’’^yone^;;]


Vwh'o has never changed their supplier is - - ■ .’ i without doubt overpaying for their eneigy.— '


-^i'jf'Standard deals’ wjth a quarterly 1 ; fE I'-cash/che'que payment method are some, of. rthe most expensive deals on the market The^ ^


-laverage saving rriade by.changing to icheaper^online deal is 5300 per year.,-1^ .


j


NOVEMBER / TRY SCMETHING DIFFERENT


Are you living within your means or spending more than you earn? Why not switch ■ ■


■ -; -


supermarkets and pay less for groceries?;. . : Drop the daily coffee and cake splurge and


get into the habit of taking a packed lunch to ■ work. You might even decide to invest in a ■ bike - you’ll save hundreds of pounds on . , ■ petrol or train fares not to mention ;


the cost of a gym subscription. Or, '


i instead of shopping ‘ ■ori the high-street, ;': rscourthe internet - % Tor better deals on ■


! everything from;;,"J.:: ; clothes to .CDs arid f; Avideb'gariiM:'iT';i;:T^ i'TTiere’s 'no end to J ’’ fthese jp e savirig'sJ-S ;. orice you. put your v mind to it.T':;: „ ■ '■


BUI LDING SOCI E T Y marsden


AERsiandsfbrAnnualEquivalenlRateandilluslrateswhatiherale would be tf interest was paid and compounded once each year Gross means the • contractual rate of Interest payable not taking account of the deducUon of Income tax at the appropriate rate. Min investment £250. max irjvestmenl £250 000


■


: per person. Full details available on request wwwthemarsden.co.uk. Rale is correct as at 01f06/t0. Marsden Building Society is authorised and regulated by the Financial Services Authonty and ts entered in the FSA Register under number 206050. A member of the Financial Services Compensation Scheme and the sTinancial Ombudsman Service. Pnncipal Office 6-20 Russell Street Nelson Lancashire BB9 7NJ ' .


. - ' ■ ' ' - ' • ■ i cMckwww.themarsden.co.uk M i i i l ' '■'' " id ^ ^ S ^M is S rs v - 1860.2010 ANNIVERSARY


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- ^------------The festive season seems _


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m , SEPTEMBERm CHRISTMAS COME . ' EARLY


to amve earlier with each passing year,'.&d .there’s .;,Ji no reason why you’.'. •• '■ ■


I T shouldn’t start planning:; ; - ’ for those Christmas expenses come ■September


^ ;


': According to fBse^ch;fc:! ' by www.money.co.uk, just 15 per cent of us spread y


the cost of. Christmas, - ' over the year. In fact, says ;


■the company’s MDChris' Morling,'almostthree'■ - ; quarters will pay for / ; y. ■;,


' Christmas bn the 'right. : now’. Some early financial j planning will help avoid J;T; ■ rtinning into debt.’ '


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Plan your Christmas budget early to avoid .'■running into debt


eSaver account


invest from £250 to £250,000 rate guaranteed riot to fall below 1.60% prior to 31 December 2011


marsden ©Savings


JEREMY SMADJA provides a tip for each month of the year to heip you manage your finances in 2010 and beyond...


- offers available in January than any ■ other time of year, plus there’s more: ; availability._Planning a holiday is


.


also a great,way to beat those. ■ ■ ■ post-Christmas blues and get you :;: through the most miserable month • of the year.”


DECEMBER CHRISTMAS SALES


After all the excitement of Christmas, we’re back in the shops for the sales. It’s a great time to buy clothes and electrical goods but spend wisely, says Chns ■ Moiling, from www.money.co.uk. ■ ^ ^ . “It’s all too easy to give way to temptation but with


-


a slow recovery from the recession predicted,'and pressure set to continue on household budgets, it pays to do your homework.” Write a ‘wish list’ and stick to it - you don’t want to end up with armfuls of bargains you’ll never use.


FEBRUARY COMPARE THE DIFFERENCE.


Febniary is a busy month for : car insurance renewals. If the’


• ' time has come to renew yours, be sure to shop around to get;


: the best deal. Steve Sweeney, - head of car insurance at ' ■


-T .www.mqneysupenmarket.com, says: "The average person can C.'-,''' .'; save around £180 per year by .; .v comparing costs through our website."


. ’jiM * ■


/And yet research shows 7.3 million UK drivers ■ don’t bother. Collectively, we’re missing out on a .


./■whopping El.Sbn saving! Unfortunately when i t : comes to car.insurance loyalty doesn’t pay, and / with insurance prices rocketing, now’s the time to shop around to secure the best deal. , '


MARCH LITTLE POT OF GOLD


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The end of the tax year is coming up. Hopefully you’ve managed to save over - ; the course of the year. Just make sure you make the most of your tax-free ISA allowance and put savings into an- ■ account with the best possible rate. You will be aware by now that in 2010 the annual limit is £10,200. Find the best rates online because,. the difference . between the best and worst


deals can mean far more than a few extra ■ pence in your pocket.


: ; ■: -


www.clllhoroeadvortl5cr.i-n u local knowledg© financial strength trusted nsrne


. www.clllheroeadvortlsnr.cn nv 9 Advertiser &TIme8.Thursday. June 3,2010 www.themarsden.co.uk


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