Would you like a free holiday?
A week in Italy, perhaps?
What if I were to tell you that you could probably make that happen for yourself in 2017?
(N.B. certainly if you live in the UK, in the rest of the world quite possibly, but I can’t vouch for it!)
There is none, just a few hours to perhaps half a day of work once, sitting at home, on your computer.
(hint: the answer should be yes!)
OK, here we go…
Every day you pay for things, right? (e.g. food, transport, etc).
Every month you have bills, right? (e.g. phone, Internet, etc).
Be smarter about how you pay for them!
Often people don’t realise what choice – and deals – they have open to them, especially if they are used to do the same thing, the same way, without looking for anything better.
Don’t just pay how you’ve normally done, or pay the provider you always use; shop around for better deals, or better ways to pay.
Here are a few tips to get you started:
Paying for Things
- Stop paying for things with cash or a debit card that gives you no/weak bonuses
- Start paying for all of your day-to-day purchases with a cashback credit/debit card
- Make sure you get the best cashback/rewards credit card you can find
- Make sure you pay the full credit card balance each month (not just the minimum!)
- Find out how much gas and electricity pKw you consume per year
- Find out how much you paid for gas and electricity per year
- Search for a cheaper deal:
- that allows you to switch without penalty (or will still work out cheaper even after paying a penalty)
- that gives you rewards for switching (such as cashback)
- that will handle all the switching for you, so you have an uninterrupted supply and don’t need to do anything
- Calculate you actual minutes, data and text usage each month
- Once you are out of contract, find the cheapest SIM-only deal that will cover your normal usage
- Make sure:
- You use WIFI whenever you can, instead of your plan’s data
- You are able to unlock/swap your handset’s current SIM card with a new one
- Or, call your current provider and tell them you’ll change providers unless they give you a better deal
- When you are a few months from the end of your contract (or out of contract) find a better deal elsewhere and switch, or
- Call your current provider and tell them you are going to move elsewhere unless they give you a better deal
Open More Bank Accounts
- Look for bank accounts that pay you to switch to them
- Make sure you have the criteria fulfilled (e.g. the requisite direct debits set up)
- Make sure they handle the switching for you, with a guarantee, so you don’t have to do anything
- Switch and receive the money!
Stop Paying Credit Card/Loan/Store Card Interest
- Find the best balance transfer credit card deal (e.g. 0% interest for 2 years and a 0% transfer fee)
- Transfer your outstanding balances to the new credit card and stop paying interest
- Pay off as much as you can each month (at least the minimum!)
- Remember to pay off/transfer the full balance before the 0% interest period runs out!
Making just a few small changes soon add up:
Reducing your mobile phone bill by £5 a month is £60 a year – that’s enough for a Ryanair flight to most European cities!
Having banks pay YOU to use them adds enough for a few night’s dinner out.
When you add these things together (and repeatedly do them, switching whenever you can!) you could add £1,000‘s to your annual income.
(especially if you AND all the individuals in your household do it to)
The great thing is, once you’ve spent a few hours making some small changes in setting things up, you don’t have to do anything differently – you just reap the rewards!
And with that extra money?
You could probably afford a holiday to Italy!