Saving Money and Reclaiming Money!

 Couponing

If you have ever thought of saving some money in the Supermarkets, I suggest you take a look at http://www.moneysavingexpert.com/deals/supermarket-coupons
It’s definitely worth a look and if you, like me, are finding the cost of groceries increasing on almost a daily basis, then please visit this website.

Reclaiming  Mis-sold Payment Protection Insurance (PPI)

There are a lot of adverts around at the moment, telling you to ring them and they will reclaim mis-sold Payment Protection Insurance for you.

Yes, you are right, there is a ‘catch’, and they will take a percentage of any monies that they are able to claim back for you......

Wait just a minute; you can do it YOURSELF and KEEP ALL YOUR MONEY.

Just go to the Financial Ombudsman web page and follow the instructions.   You can also download  a form on this website and complete it and send it off to your bank, or other financial institution (i.e. credit card, mortgage).
www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

Pay Day Loans

Have you seen the adverts for Pay Day Loans - I saw one the other day who were charging over 5,000% APR....... Yikes!

I completely understand why someone might consider these loans, particularly as the Banks are not lending money, in fact from my experience they are actually decreasing overdrafts.... thereby causing serious cash flow problems for individuals and businesses alike.   But these loans can cause further problems in later months.    Please take a look at this website - www.guardian.co.uk/money/cartoon/2012/feb/07/payday-loans-borrower?...
It appears that these companies are also targeting pet owners!

However, there are other options out there from www.zopa.com that organise loans for individuals, by real people. 

-------------------------------------------------------------------------------

For further hints and tips for saving money and helping yourself, then please visit my website at www.osfs.co.uk or call me on 01276 691215 or email me jane@osfs.co.uk.