Money Saving Tips:

1 - Cut the cost of your bills - Bills: everybody gets them and nobody likes them; but just a few minutes spent online can cut the annual cost of your gas, electric and phone bills. Compare prices of gas, electricity and telephone suppliers in your area with the online price comparison site U Switch - switching suppliers is much easier than you think and the average household could save £140 off their energy bills if they change their gas and electricity supplier! Click here to find out how much you could save. 2 - Get cashback when you shop online - Greasy Palm is a UK site which gives you a cash back discount every time you shop online. Get cash rebates from over 650 UK online retailers when shopping online. It's completely free to join and new members even get a free £2.50 credit when they sign up! Shops offering cashback discounts include Argos, Boots, Comet and Debenhams! You can also earn cashback on UK car insurance, RAC breakdown cover, travel insurance or when you apply for a bank account or credit card. Members also get a regular newsletter featuring the best online sales, freebies, money off vouchers and coupons and other internet special offers and bargains. 3 - Earn more interest from your current account - Most bank accounts pay a paltry rate of interest (as low as 0.1 percent) but switch to a high interest paying bank account like the Lloyds TSB current account and you can earn up to 4% AER interest on your money plus get a £30 free bonus just for opening the account! New Lloyds TSB current account customers get a fixed interest rate of 4.0% AER on the first £5,000 of their balance when they agree to pay in a minimum of £2,000 a month (if you agree to pay in a minimum of £1,000 a month you will still earn 3.75%. You also need to log on to Internet banking at least 3 times every 3 months and apply online. If you want a high interest current account with no need to pay in a salary or other minimum monthly amount, Citibank Direct current account offers a 4.59% AER interest rate, with no need to pay in your salary, no monthly minimum deposit amount; as well as free telephone and internet banking. For a high interest saving account which can be opened with just £1, Alliance and Leicester's new Online Saver Account is already in the Best Buy tables with their 'best savings rate' of 5.35% Gross p.a. /AER. All you need is £1 to open your account. No notice period for withdrawals plus you can manage your money online. More information... 4 - Cut the cost of credit - you may be paying way to much interest on your credit card or store cards. Save money by switching to credit cards with lower rates or 0% balance tranfer offers. For new spending, get a cashback credit card to earn cash back on every purchase. The Blue Card from American Express gives you 2% MoneyBack for the first 3 months and cashback of 1% after that; while the More Th>n Credit Card offers CashBack of up to 0.8% on all card purchases. Or combine cashback and a 0% balance transfer - get up to 0.8% cashback and 0% balance transfers for 6 months with an Accucard credit card. 5 - Check your credit report - Manage your finances and take control of your credit history with a Free credit report and 30-day trial of CreditExpert. 6 - Use money off coupons at supermarkets - Register for free at Wishvalue UK, choose which money off coupons you would like and next time you go down to the supermarket you can save yourself a few quid. (They send you the free coupons by post). 7 - Compare prices when shopping online - Use an online price comparison service like Kelkoo or PriceRunner to find the lowest price on anything you plan to purchase. It's also worth taking advantage of online special offers, bargains and deals when they come along - a selection of the latest offers are featured on the bottom of our UK Online Shopping home page, including offers for a free £5 gift voucher; 10% off Clothing at Bodens and 20% off Furniture at Cotswold Company. The free e-mail newsletter from Greasy Palm will also keep you up to date with the latest UK offers and of course you can earn cashback for yourself too. Finally, take a look at Vouch4me, where you can get free vouchers by answering short surveys. Vouchers include 2-4-1 wine offers; 2-4-1 dining; Holiday vouchers; Vouchers for Free Reflexology or Head Massage; Ice Skating; a Free Personal Trainer; a Free round of golf; a Free Horse Ride; a Free Facial or Free Reiki. 8 - Cheaper phone calls - Save up to 30% on your landline calls with Talk Talk. You also get free calls to other Talk Talk customers in the UK and they promise to be cheaper than BT guaranteed or they'll give you £1000! When you join Talk Talk you keep your existing phone number and it's free to join, with no prefix to dial and no additional hardware. You can cut the cost of calls and also still keep your BT line and number with Equitalk - Join on-line now (in just 3 minutes) to save up to 89% on your BT call cost and get £5 of free calls. 9 - Buy or sell on eBay - Most people have plenty of unwanted items in their attic or garage; so why not have a clear out and sell them on eBay? You may also pick up a secondhand or brand new bargain and save some money too. Whether you want to earn a bit of extra cash by selling or are looking to bid on a bargain, you can register free - this only takes a few minutes and places you under no obligation to buy or sell anything! Once you have registered you will be able to take advantage of lots of useful features. If you are new to eBay, then this page explains a bit more about how it all works. 10 - Go on a Money Diet! - Buy the excellent Money Diet Book by Martin Lewis, packed full of money saving tips and advice - highly recommended! Money Saving Expert Martin says that he can save you up to £6000 a year with his fully-researched, easy to implement, cutting-edge advice. Whether you want to build a nest-egg, pay off your debts, or would just like a few extra pounds in your pocket , you'll find practical, clear-cut advice. And the best part is you don't have to cut back on anything – the Money Diet is about how to ‘spend better’ not ‘stop spending’. Martin's excellent www.MoneySavingExpert.com web site is also packed with moneysaving advice and tips on finding the best credit card, the cheapest international phone calls, cheap flights and much more. Please note that all offers and prices listed above were correct when checked but are subject to change at any time. Please check the websites listed for current offers, as well as full terms and conditions.