Money To The Masses http://moneytothemasses.com Putting you in control Fri, 19 Dec 2014 15:52:46 +0000 en-GB hourly 1 21 tips for keeping you and your possessions safe this Christmashttp://moneytothemasses.com/quick-savings/tips/21-top-tips-for-keeping-you-and-your-possessions-safe-this-christmas http://moneytothemasses.com/quick-savings/tips/21-top-tips-for-keeping-you-and-your-possessions-safe-this-christmas#comments Fri, 19 Dec 2014 12:28:46 +0000 http://moneytothemasses.com/?p=17986 Top tips for keeping you and your possessions safe this Christmas Your valuables keep wallets, purses, mobile phones and other valuables safe and out of sight and make sure bags are secure don’t carry large amounts of cash and avoid using ATMs at night and in secluded places never disclose your pin number be extra...

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Top tips for keeping you and your possessions safe this Christmas

Top tips for keeping you and your possessions safe this ChristmasYour valuables

  • keep wallets, purses, mobile phones and other valuables safe and out of sight and make sure bags are secure
  • don’t carry large amounts of cash and avoid using ATMs at night and in secluded places
  • never disclose your pin number
  • be extra vigilant in bars and restaurants, be discreet if you use your mobile phone or open your wallet or purse, somebody is probably watching you
  • if you have expensive jewellery be careful where and when you wear it
  • before you go out make sure you know how you are going to get home at the end of the night

Your property

  • make sure your property and contents are fully insured, including the value of all the presents kept over Christmas
  • keep presents and other valuables hidden so they cannot be easily seen by potential thieves
  • fully secure your property when you are not at home
  • if your windows have locks make sure you use them otherwise it will likely invalidate your insurance
  • if  you are going out always leave a light on to deter burglars
  • do not answer the door until you know who is calling, always ask for ID
  • do not leave Christmas lights on when you are out or asleep
  • if you have a burglar alarm always use it, even at night
  • if you are going away make sure you cancel any newspapers or other regular deliveries and let your neighbours know you will be away
  • make sure you have batteries required for presents so that you are not tempted to remove batteries from safety equipment such as smoke alarms
  • keep cards and decorations away from naked flames and light bulbs and always blow out candles before going out or to bed at night

Your car

  • always park your car in busy well lit areas and make sure your car is locked at all times
  • do not leave valuables or shopping on display in your car
  • take all valuables with you when you leave your car
  • in winter always put a spare coat in the car and if snow is forecast carry a shovel
  • make sure you keep topped up with petrol in the case of a delayed journey

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The latest MTTM Podcast – How to make it, How to save it, How to spend ithttp://moneytothemasses.com/news/podcast/latest-mttm-podcast-make-save-spend http://moneytothemasses.com/news/podcast/latest-mttm-podcast-make-save-spend#comments Fri, 19 Dec 2014 11:00:00 +0000 http://moneytothemasses.com/?p=15948 Welcome to the FREE MoneytotheMasses.com podcast. MTTM Podcast episodes You can listen to the latest episode of the podcast by clicking on the play button in the player below. To hear past episodes simply click on ‘More Episodes’ in the player’s top menu. Here is the full list of episodes: Episode 26 – How To Win At...

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Money to the Masses podcastWelcome to the FREE MoneytotheMasses.com podcast.

MTTM Podcast episodes

You can listen to the latest episode of the podcast by clicking on the play button in the player below. To hear past episodes simply click on ‘More Episodes’ in the player’s top menu. Here is the full list of episodes:

  • Episode 26 – How To Win At DIY Investing And Crash Diet Testing
  • Episode 25 – Investment Analogies And Pension Pot Strategies
  • Episode 24 – Lost and found & selling your house for a pound
  • Episode 23 – Scams, spam and diet plans
  • Episode 22 – How to make £40,000 in 6 months
  • Episode 21 – Best ways to save for kids, cheap MOT trick, new tax disc laws & remortgaging
  • Episode 20 – How comparison sites work & car insurance quirks
  • Episode 19 – Changes to pensions & radio mentions
  • Episode 18 – Interest rate hikes & cashback sites
  • Episode 17 – Property Auction Tips And Money Regrets
  • Episode 16 – Christmas steals & train ticket deals
  • Episode 15 – Income protection, Private Jets and Investment Mantras
  • Episode 14 – Damien’s little nuggets (and the rules of money)
  • Episode 13 – Claiming Your Fuel Payment And Becoming A Field Agent
  • Episode 12 – Inside Estate Agents’ Minds And Back To School Finds
  • Episode 11 – Get a pay rise, credit myths & business start-up gems
  • Episode 10 – Lets talk about tax baby
  • Episode 9 – Buying, Selling And Letting Advice – The Property Special
  • Episode 8 – Huge Amounts on Current Accounts and You Can’t Go Wrong With Honest John
  • Episode 7 – Reader and Listener Question Special – Pensions, Trusts and IFA’s
  • Episode 6 – Big Picture Budgeting and The Fiver Challenge
  • Episode 5 – Organic Pear and Best Airfares
  • Episode 4 – Writing a Bestseller & Magnificent Melons
  • Episode 3 – House Buying Tricks and Life Insurance Tips
  • Episode 2 – Insider Secrets and DIY Investing
  • Episode 1 – Interesting Apps and Interest Rates

For those who don’t know, the show is jointly hosted by myself and Andy Leeks (author of the brilliant As They Slept – The comical tales of a London commuter) and aims to be informative as well as enjoyable. Every show is split into 4 sections:

  1. How to make money – covering ways to make money whether it be apps, websites, investing, business ideas or any way we can make you richer
  2. How to save money – this section teaches you how to not loose it. Be it saving, cutting bills, secret tricks or insurance
  3. How to spend money – this section covers how to spend it and how others do including celebrities.
  4. Reader / listener questions – I answer questions sent in by you guys!

Please have a listen below and if you do enjoy it then please thank us by downloading the podcast from itunes and leaving a 5 star review. I realise that you might listen to the podcast in the window below so be thinking ‘why the hell would I want to download it as I’ve already heard it once?’ Well by downloading it you will help push the show up the itunes charts and help us spread the word. Think of it as a thank you from you to us.

Download from iTunes

Alternatively here’s the show’s RSS feed – http://moneytothemasses.libsyn.com/rss.

Get in touch

If you want to get in touch, whether it’s a reader question or just to give feedback on the show then you can contact the show here.

Once again, please leave a review of the podcast on itunes here.

 

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Latest interest rate predictions – when will rates rise?http://moneytothemasses.com/owning-a-home/interest-rate-forecasts/latest-interest-rate-predictions-when-will-rates-rise http://moneytothemasses.com/owning-a-home/interest-rate-forecasts/latest-interest-rate-predictions-when-will-rates-rise#comments Thu, 18 Dec 2014 08:00:39 +0000 http://moneytothemasses.com/?p=12789  This article is continually updated to bring you the latest analysis on when interest rates are likely to rise. You can now enter your email address here to receive updates to your inbox. Also at the bottom of this article I tell you how to quickly calculate the impact of an interest rate rise on your...

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bank of england This article is continually updated to bring you the latest analysis on when interest rates are likely to rise. You can now enter your email address here to receive updates to your inbox.

Also at the bottom of this article I tell you how to quickly calculate the impact of an interest rate rise on your own monthly mortgage payments.

If you are wondering whether you should fix your mortgage rate, but don’t know a mortgage adviser whose opinion you trust, then we’ve team up with an award winning mortgage advisory firm to provide fee-free expert mortgage advice. The service, which I’ve personally vetted, compares thousands of mortgages here* plus you can see the current best-buy mortgages as well.

When will interest rates go up?

In summary: as recently as September the market consensus was that the Bank of England’s first interest rate rise would occur in the first few months of 2015. This has now shifted back due to recent poor economic data and falling inflation. Now interest rates are not expected to rise until mid 2015 at the earliest, after the general election. But there is an outside chance that the the first interest rate rise won’t come until late 2015 or even the start of 2016. See bullet points below for more detail.

The forecasting of the Bank of England base rate has been transformed in recent months. First of all Mark Carney, the Governor of the Bank of England (BOE), issued new ‘forward guidance’ on when the Bank of England will raise interest rates.

This is a policy which he employed during his previous role in Canada’s central bank to try and control the market’s expectations of when interest rates will rise. The reason for doing this is that an expectation of a rate rise is as important as the actual rate rise itself. If a market thinks that the BOE will increase rates then the cost of borrowing throughout the economy will rise. This can prove damaging for a stuttering economic recovery, meanwhile artificially low interest rates also make cash deposits unattractive, which in turn boosts consumer and corporate spending.

Mark Carney originally created a notional link between the UK unemployment rate and BOE base rate. In a pledge to keep rates lower for longer Mark Carney said that rates would not rise until UK unemployment fell below 7%. But this threshold was hit, somewhat unexpectedly, so Mark Carney had to ditch the unemployment trigger when it looked like a breach was imminent, instead replacing it with 18 economic indicators.

So now Mr Carney has moved the goal posts on when interest rates will likely go up:

  • the BOE has now decided it won’t tie interest rate rises to any particular economic indicator but a range of 18 of them
  • at the start of 2014 the market had thought that the the BOE’s first interest rate rise was unlikely to occur before the General Election in May 2015
  • But at the annual Mansion House Speech back in June Mark Carney dealt a shock by saying that rates could rise sooner than markets had priced in. Most people took that to mean late 2014 or the start of 2015
  • Now he has completely changed tack as the rate of inflation has now fallen to just 1%. Mark Carney now says that the market is right to rule out a rise in interest rates any time soon. The market has taken this to mean that interest rates won’t go up until the second half of 2015 at the earliest
  • But don’t be too complacent, as recent minutes from the BOE rate setting meetings show that two committee members have started voting for a rate rise.
  • Plus, when interpreting its annual survey of household finances, the BOE claims that the majority of mortgage borrowers could cope with a 2% interest rate rise. Yet, just a year earlier similar survey results were interpreted as showing that borrowers would struggle if rates were raised to 2%. This is a complete change in rhetoric which the market is taking as a signal that the BOE will definitely look to increase interest rates by Autumn 2015.
  • Either way, Mark Carney keeps reiterating that when rates do rise it will be gradual and, in the medium term, materially below the 5% level set on average by the BOE historically. It is expected that the first interest rate rise will occur in summer or autumn of 2015 to 0.75% followed by further 0.25% increases at regular intervals

So the current forecast of when interest rates will go up is: Markets are now pricing in the first rate rise (to 0.75%) to occur in the second half of 2015 with interest rates increasing again to 1% in 2016.

Whilst the BOE is now claiming that not just one economic indicator will be used in any ‘forward guidance’ of when rates will rise, a range of them will still determine when they actually do put them up. So economic indicators are still important in judging when interest and mortgage rates are likely to rise. Below is a roundup of the most important indicators which will influence when interest rates go up:

So what might influence when rates rise, despite the change in the BOEs ‘forward guidance’  

  • Inflation has unexpectedly fallen – in November the official measure of UK inflation fell to just 1%, a 12 year low! Inflation has tumbled in recent months, the biggest reason being the fall in the price of oil. The oil price has almost halved in the last 6 months meaning cheaper petrol at the pumps for consumers. The RAC has even stated that we could see petrol fall below £1 a litre. Inflation doesn’t look like spiking any time soon either. In his Autumn Statement the Chancellor claimed that inflation will still only be 1.2% in 2015 and only 1.7% in 2016. Don’t forget that the Bank of England’s target inflation rate is 2% (with anything above 3% or below 1% getting them a slapped wrist from the Chancellor). To combat inflation interest rates would be increased but the prospect of low inflation for the foreseeable future has fuelled speculation that the first interest rate rise will now not occur until mid 2015 at the earliest, with late 2015 being more likely.
  • Increasing official support for a rate rise?  – in August the Bank of England’s Monetary Policy Committee (MPC), who are the people who decide the UK base rate, once again voted to keep the base rate at 0.5%. But what ruffled a few feathers was that the vote was not unanimous for the first time in 3 years. 2 out of the 9 committee members voted for a rate rise. Since August the 7-2 split has remained each month suggesting that an interest rate rise is on the way in 2015. Also, the BOE now claims that only 4% of mortgage borrowers would struggle to cope with a 2% rate rise. Such positive PR would suggest that the BOE is paving the way for interest rates to start going up.
  • The UK economy is growing again –  the Office of National Statistics has confirmed that the UK economy grew by 0.7% in the third quarter of 2014. Although this is below the 0.9% recorded for the second quarter, it still makes the UK the fastest growing industrialised economy in the world!  Economic growth is already back at its pre-crisis level. However, a growing economy increases the prospect of a rate rise.
  • There’s cautious optimism about future economic growth – be it the UK services, manufacturing or construction official data has pointed to improved signs of economic recovery. Importantly the services sector, which accounts for about 75% of the economy, has grown at its fastest rate for almost a year. However, a recent survey of British business confidence has shown it dip from its previous highs. But if the economic recovery becomes more entrenched analysts expect interest rates to rise sooner and faster than suggested by the official guidance.
  • Unemployment is falling – The number of people out of work fell by 63,000 to 1.96 million (a six-year low) in the three months to October. The UK unemployment rate now sits at 6%, below the BOE’s old ‘forward guidance’ threshold, a threshold the BOE hadn’t expected to be breached until 2016. But interestingly wage growth now finally exceeds inflation – a trend we last saw back in 2009. A lack of wage growth is a sign of slack in the economy which would make an early rate rise less likely. But if wage growth continues to improve then calls for an interest rate rise will increase.
  • UK economic growth forecasts are being upgraded – such is the optimism for UK economic growth that the British Chambers of Commerce, the BOE as well the International Monetary Fund (IMF) have upgraded forecasts for economic growth. The IMF in particular now expects the UK economy to grow faster than any other major European economy in 2014, while the BOE now expects a growth rate of 3.5%. Plus, the Chancellor George Osborne upgraded his forecasts for UK economic growth in his Autumn statement. He now expects the UK economy to grow by 3% in 2014, which is higher than the 2.7% he originally forecast in his Budget back in March.

So should you rush to fix your mortgage now while rates are low?

Fortunately I’ve answered this question in my  post ‘Should you fix your mortgage rate now?‘ But if you want more help or advice then you can contact an award winning mortgage adviser here*.

Interest rate rise / fall calculator – calculate the impact on your monthly mortgage payments

You can quickly calculate the impact of an interest rate rise on your mortgage payments in pounds and pence by using this interest rate rise calculator*. Just make sure you enter the original details of your mortgage, such the original amount you borrowed and the original term. This will ensure that the starting monthly mortgage payment matches yours. Then simply enter different interest rate rises and you will see how your monthly mortgage payments will change. Now that you know the answer don’t just bury your head in the sand about it, take action and review your mortgage options today.

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The Do’s & Don’ts of buying gift vouchershttp://moneytothemasses.com/quick-savings/tips/dos-dont-buying-gift-vouchers http://moneytothemasses.com/quick-savings/tips/dos-dont-buying-gift-vouchers#comments Thu, 18 Dec 2014 06:00:14 +0000 http://moneytothemasses.com/?p=17976 How safe is it to buy gift vouchers as presents? The first thing to bear in mind is that gift vouchers are only as safe as the company that provides them. The problem for consumers is that they need to judge whether a company is at risk of going into administration  – which is difficult. Companies...

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gift voucher cardsHow safe is it to buy gift vouchers as presents?

The first thing to bear in mind is that gift vouchers are only as safe as the company that provides them. The problem for consumers is that they need to judge whether a company is at risk of going into administration  – which is difficult. Companies don’t tend to shout about it when they are having problems!

If a company goes into administration there is no compulsion for the administrators to honour existing vouchers.

Do gift vouchers have time limits?

Most do, but not all. If they do, a company does not have to honour expired gift voucher

 Gift voucher tips & the alternatives

  1. First of all go for product specific gift vouchers which can be spent in a range of places, such as book tokens. Then you don’t run the risk of an individual retailer going bust.
  2. Then choose vouchers that don’t expire. A perfect example are Theatre tokens which can be used at nearly all theatres and have no expiry date.

But if you want to allow the gift recipient more choice, good alternatives are…..

Online

  • Amazon vouchers – you can buy them online and only expire after 10 years. Holders can buy anything from Amazon!.

Offline

  • Try a shopping centre gift voucher – Then you avoid the risk of an individual retailer going bust. Some shopping centres operate their own schemes (such as Bluewater), but a large number offer gift voucher cards via Flex-e-card.com. Leading shopping centres such as Lakeside Thurrock and Westfield Stratford are participants in flex-e-cards which are available in a variety of designs and up to £1,000 in value. Although they do have expiry dates.

If you don’t want to just give cash then you can always gift a prepaid VISA or Mastercard.

Always buy vouchers with a credit card

If you plan on spending over £100 on a gift voucher then it may be wise to pay for it via a credit card as you might get protection under Section 75 of the Consumer Credit Act (i.e you can claim against your credit card company) if the issuing firm goes bust.

Further Reading

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Compare Life insurance quoteshttp://moneytothemasses.com/quick-savings/insurance-2/life-insurance/compare-quotes http://moneytothemasses.com/quick-savings/insurance-2/life-insurance/compare-quotes#comments Wed, 17 Dec 2014 12:33:24 +0000 http://moneytothemasses.com/?p=17688 Compare life insurance policies We’ve have sourced the best comparison tool in the market to allow you to quickly compare life insurance policies from the UK’s leading insurance companies. Just click on the image below to get started and find the best policy for you. Click the image below to get started    

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Compare life insurance policies

We’ve have sourced the best comparison tool in the market to allow you to quickly compare life insurance policies from the UK’s leading insurance companies. Just click on the image below to get started and find the best policy for you.

Click the image below to get started

 

compare life insurance and critical illness insurance

 

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Your top 10 money concerns answeredhttp://moneytothemasses.com/ask-damien/our-top-10-money-questions-of-2014 http://moneytothemasses.com/ask-damien/our-top-10-money-questions-of-2014#comments Tue, 16 Dec 2014 14:11:45 +0000 http://moneytothemasses.com/?p=13094 1. Where to get the best savings rates? - a regularly updated look at where to stick your cash for the best return. 2. Latest interest rate predictions – when will rates rise? - a long time favourite where we update our interest rate predictions on a monthly basis. 3. Should you fix your mortgage now? - we advise...

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calendar

1. Where to get the best savings rates? a regularly updated look at where to stick your cash for the best return.

2. Latest interest rate predictions – when will rates rise? - a long time favourite where we update our interest rate predictions on a monthly basis.

3. Should you fix your mortgage now? - we advise you of  what you should look for when trying to decide on a fixed or variable mortgage.

4. The buy-to-let guide - the inside track on whether buy-to-let is a good investment for you.

5. Latest inflation figures determine 2015/6 basic state pension, ISA allowance and benefit levels - explanation of how much certain benefits will rise by in the next tax year.

6. How to cut the cost of train travel - some useful tips on how to save money on train travel.

7. 41 things to check & ask when viewing a house - some key pointers for buyers when viewing a property.

8. How much income could I get from a £100,000 pension pot - some insight into the options when retiring and the potential income generated.

9. 39 simple ways to pay less tax - some tips on how to keep more of your hard earned cash.

10. How to phone call-centres for free & avoid queuing - how to save money money & time when phoning those dreaded call-centres.

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6 tips on how to negotiate a pay risehttp://moneytothemasses.com/saving-for-your-future/6-top-tips-on-how-to-negotiate-a-pay-rise http://moneytothemasses.com/saving-for-your-future/6-top-tips-on-how-to-negotiate-a-pay-rise#comments Tue, 16 Dec 2014 14:00:19 +0000 http://moneytothemasses.com/?p=15354 We all think, on occasions, that we deserve a pay rise and sometimes are not sure how to go about asking for one. Get your preparation and approach correct and will give yourself the best chance of receiving that extra bit of cash in your pay packet. How to negotiate a pay rise 1. Only...

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how to negotiate a pay riseWe all think, on occasions, that we deserve a pay rise and sometimes are not sure how to go about asking for one. Get your preparation and approach correct and will give yourself the best chance of receiving that extra bit of cash in your pay packet.

How to negotiate a pay rise

1. Only fight battles you can win

  • don’t ask for a pay rise if you are underperforming in your current role
  • if feedback from appraisals is negative or you have been disciplined in some way then you are not likely to get a pay rise
  •  it may sound strange but you would be surprised how many employees think they are entitled to a pay rise regardless of their job performance.

2. Do your homework

  • make sure you are aware of the going rate for your current job prior to discussing a pay rise
  • look at sites such as Linkedin jobs for comparisons or talk to recruitment agencies to get a feel for your worth in the job market
  • make sure you know when you last had a pay rise and how much it was
  • make a list of your recent achievements or any training you have undergone to prove your value as an employee
  • if you have any information on the rate for comparable jobs in your organization then use this information
  • all the information collected should be written down so that you can refer to it easily during any pay discussions

3. Take control

  • don’t ask your boss for a pay rise whilst you are both making a cup of coffee in the kitchen, you must ask for a  more formal meeting
  • use these words when requesting a meeting ‘ I would like to arrange a meeting with you to discuss my future’
  • refrain from stating that you want a pay rise ahead of your meeting, keep your powder dry
  • try to arrange the meeting early in the day as you and your boss will both be fresh and hopefully in a reasonable mood

4. It’s a discussion not an argument

  • always keep the tone of the meeting professional, don’t resort to raising your voice or making threats to leave, this will not help your cause
  • rehearse before hand the presentation of your case for a pay rise as this will help to calm any nerves
  • don’t talk too much, this will tend to confuse yourself and your boss and your presentation will come across as unclear
  • once you have made your presentation shut up! and let your boss respond
  • take any supporting information with you to your meeting and don’t be afraid to refer to it during the meeting

5. No doesn’t mean never

  • if your approach for a pay rise receives a negative response then ask what you need to do to get a pay rise in the future
  • offer to take on more duties, or be part of any project teams, to further your chances of a pay rise in the future
  • also use a bit of psychology and try and get your boss to thing like you. Rather than say something like ‘I think that’s unfair as I’ve worked really hard‘ try rephrasing it into something like ‘if you were me and you had worked really hard and helped the business grow successfully, how would you feel if you were told you couldn’t have a pay rise?“. Forcing someone to think like you is one of the simplest tricks to get them to agree with you.

6. Always end the meeting on a positive note

  • if you are successful in obtaining a pay rise make sure you keep proving your value to your employer
  • don’t rest on your laurels as this will effect your chances of gaining a pay rise in the future
  • if you are unsuccessful don’t leave your boss with a negative view of your professionalism by either losing your temper of making threats of leaving

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Save money & stay safe with this winter motoring checklisthttp://moneytothemasses.com/quick-savings/save-money-stay-safe-with-this-winter-motoring-checklist http://moneytothemasses.com/quick-savings/save-money-stay-safe-with-this-winter-motoring-checklist#comments Tue, 16 Dec 2014 13:10:31 +0000 http://moneytothemasses.com/?p=13057 With winter and Christmas fast approaching it is easy to ignore keeping your car well maintained. Here are a few simple tips to make you keep safe and in the long run save you money. Take out breakdown cover Not having breakdown cover is the cardinal sin of motoring. For as little as £30 you...

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car reliability indexWith winter and Christmas fast approaching it is easy to ignore keeping your car well maintained. Here are a few simple tips to make you keep safe and in the long run save you money.

Take out breakdown cover

Not having breakdown cover is the cardinal sin of motoring. For as little as £30 you can get some basic cover and this could be a lifesaver if you, or your family, are left stranded. Just one breakdown would cost you more than the annual breakdown cover fee, so put your family first and get covered.

Be prepared before you make a journey

  • never start a journey without a coat in the boot (preferably light coloured for visibility)
  • make sure your mobile phone is charged
  • don’t allow your petrol to get too low as you may be stuck in a traffic jam for hours, no petrol means no heating
  • make sure you have a sat-nav or printed details of your journey before you start
  • always carry de-icer and an ice scraper
  • take water and food on longer journeys

Check your vehicle

  • keep your car clean as this will help your visibility, especially in bright winter sunshine
  • check that all your lights are working
  • keep screen washer and water topped up
  • check tyre pressures regularly
  • if you are having any issues with your battery (e.g. difficulty starting), or it is over 5 years old, then change it now. It will save you money in the long run
  • have your car regularly serviced to keep it in ‘tip top’ condition for the winter. It is a false economy not having your car serviced as it will let you down eventually
  • make sure you have a 50/50 mix of antifreeze and water in your coolant system as this will save major, and expensive, problems in very low temperatures

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Compare income protectionhttp://moneytothemasses.com/quick-savings/insurance-2/income-protection-insurance-insurance-2/compare http://moneytothemasses.com/quick-savings/insurance-2/income-protection-insurance-insurance-2/compare#comments Mon, 15 Dec 2014 20:51:31 +0000 http://moneytothemasses.com/?p=17861 Compare income protection policies We’ve have sourced the best comparison tool in the market to allow you to quickly compare income protection insurance from the UK’s leading insurance companies. Just click on the image below to get started and find the best policy for you Click the image below to get started      

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Compare income protection policies

We’ve have sourced the best comparison tool in the market to allow you to quickly compare income protection insurance from the UK’s leading insurance companies. Just click on the image below to get started and find the best policy for you

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compare income protection insurance

 

 

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Best of the Sunday papers’ PROPERTY sectionshttp://moneytothemasses.com/news/best-of-the-sunday-papers-property-sections http://moneytothemasses.com/news/best-of-the-sunday-papers-property-sections#comments Sun, 14 Dec 2014 07:30:36 +0000 http://moneytothemasses.com/?p=16656 14th December 2014 The Independent London’s new homes hotspots to watch in 2015 The secret tenant finds finds another London rental for less than £500 Cosy Christmas cottages for under £250,000 The Telegraph My space: Jo Whiley Homes with their own woodland for sale Properties with ice rinks on grounds or nearby

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14th December 2014

The Independent

London’s new homes hotspots to watch in 2015

The secret tenant finds finds another London rental for less than £500

Cosy Christmas cottages for under £250,000

The Telegraph

My space: Jo Whiley

Homes with their own woodland for sale

Properties with ice rinks on grounds or nearby

The post Best of the Sunday papers’ PROPERTY sections appeared first on Money To The Masses.

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