Reviews and savings

The budget was everything it promised it to be and that was a big B for boring.  Don’t give up hope for your own expectations coming to fruition.  If it’s going to be, then it’s up to me’. You make it happen.

Hard times, tax guarantees, troubles in the Middle East

Mr Osborne delivered his second budget.  One thing that stood out was people with Lear jets and non domiciles needed to worry because they would be taxed more.  Well, if they can afford a Lear jet, what’s an extra 30 or 40% of tax to your pocket?  Very little!  While those of us with mere cars, can look forward to paying 1p less on a litre of petrol.  But don’t jump for joy yet. In some weeks’ time, there’ll be an extra 5p on the same litre.  So it’s hard cheese for us.  Let’s get serious.  We really need to look for where we can save money.  The mortgage/rent, food and utility bills are the largest monthly outlays.   Remember, if your fixed term mortgage is coming to an end then start planning NOW.  Then there’s food.  There’s no point in saying ‘the bill is what it is’.  I strongly believe in setting limits.  If you don’t, you’ll be enticed to buy every ‘buy 20, get one free’ deal that the supermarkets offer.  Where’s the savings in that?  These days the supermarkets appear to be in price wars, pitting themselves against each other, saying our price is cheaper than Tescos, or cheaper than Asda or Morrisons etc.  This looks suspiciously like an agreement where they take it in turns to have the lowest or highest prices. And Utility Warehouse supply gas, electricity and phones very cheap. (You can post your comments on http://moneyworkshops.blogspot.com/ – let us know how you feel)

De-clutter tip

So this weekend’s de-clutter tip is about savings.  Take the food bill.  If you could grow your own and live organically, apart from the hard work, you’d save money.  Buying fruit and veg locally could save something.  Because when you go to the supermarket for a few items, you end up buying loads.  There’s something not quite right about perfectly shaped and sized fruit and veg.  Think about it.  Besides food, who do you know that needs a review of their expenditure?  Get them to give us a call.  We’re giving a personalised budget.  We’ll talk about where savings can be made.  We deal with mortgages, remortgaging, pension release advice, buy to let nightmares, credit card, debt solutions, business recovery, coaching or financial reviews. There’s got to be a saving somewhere. 

Regards

Saleah

http://www.moneyworkshops.co.uk/