Posts Tagged ‘personal finance’

Cheaper electricity bills

Sunday, April 24th, 2011

How do I get cheaper electricity or lower my utility bill?

This is a very common question, especially in Winter and Summer when the use of some form of heating or cooling is in effect. There are a lot of ways to get your average electricity bill down and some of them are extremely simple to do every day. So you too can start saving electricity right now. Employing even 1 of these tactics should instantly reduce your utility bill.

  • The most common thing to get a cheaper electricity bill is doors and windows. Most people don’t even think the check for air leaks in these areas. Especially in older buildings and apartments… these are built on a budget and will develop cracks with time. An easy way to deal with this is to get a towel and roll it up over the cracks. A lot of doors, especially those leading out of the house are not snug, you can again roll up a towel and place it along the bottom of the door to stop the air escaping.
  • Keeping your blinds and curtains closed when you are out is another great way to help out the old air con unit or heater in the expensive months. Also don’t forget to turn off you lights whenever you leave a room. Cheaper electricity is as simple as remembering to do these things on the way out the door.
  • Washing your laundry in cold water is another great way to lower your electric bill costs. Your water heating unit will get a rest and your bank account will thank you for it.
  • With the use of computers being a common household occurance and a lot of households having more than 1 computer… be sure to turn them off when you are not using them. The same goes for the television. It may be a bit of a pain to wait for a reboot every time you want to use your computer again, but the cheaper electricity bills is worth it.

And finally… regarding cheaper electricity and meters.

Utility bills are often wrong. You can easily test this if you employ some of the above methods and watch your meter readings. You can then see if your bill decreases or not. A lot of energy companies do not check meters regularly and just use historical data to charge you (so whatever you got charged last year they automatically charge again).

Getting your cheaper electricity bills in such a case will be impossible until you contact your energy company and getting them to check your meter. Another common problem is that some meters don’t report correctly. I believe all the major energy companies will check your meters upon request but some may have a charge involved.

If they refuse you should contact your Ombudsman about it. They will light a fire under the energy companies butt for you.

So there is a few ways to get cheaper electricity bills. Go ahead and try some and remember to watch your meter.

Article Source: http://www.articlesbase.com/personal-finance-articles/cheaper-electricity-bills-4659731.html

About the Author

Geoffrey Tuck is the owner of the Electricity Facts website. Wind electricity and more can be found there. Check it out today!

Get Unsecured Loans for Unemployed to Address Your Vital Needs

Sunday, April 24th, 2011

Unemployment is a horrific situation in everyone’s life but the best thing about it is temporary. People who are unemployed as they have got irregular income that is not suitable any kind of personal needs whether these are small or large. But unemployed people do not need to concern in any matter whether it is demand of cash. Unsecured loans for unemployed are the right solutions crafted specially to assist the unwaged people without requiring any type of security like job and collateral while traditional loan lenders provide their finances to the job holders and homeowners because of their home security. In the need of cash you can consider the unsecured loan for unemployed and carry out your cash need right away.

 

To get these loans in stress free way you have to meet with some certain qualification preconditions which including your age must be over 18 years, residency proof to show and your active valid checking account in any bank of UK. After completing these formalities you can avail the amount ranging form £1000 to £25000 for a limited repayment term of 1-10 years. Interest rate at this amount is charged high but a systematic research of the competitive online loan market will help you to fetch low rate deal possibly since several lenders in the online market provide loans at comparative rate deal in cut-throat competition.

 

Unemployed people with bad credit history can also derive benefit from unsecured loans for unemployed without any hesitation since lenders do not look into borrowers past and current credit history. In view of that if you are suffering from inferior credit ratings like CCJs, IVA, bankruptcy, skipping of installments, late payments defaults, arrears or foreclosure. You can still take monetary assistance with these loans and meet with your various vital needs such as debt consolidation, wedding expenses, holiday trip expenses, purchased used or new car, higher education expenses, home renovation and other utility bills.

 

Unsecured feature in these loans enables the unemployed tenants to have the economic advantages in hardship times. They do not need to place any sort of collateral like home, estate, vehicle etc against the amount. This is because no matter whether you are council tenant, home tenant, private tenant or not. You can simply apply with unsecured loans for unemployed and acquire the cash without more ado. Filling an online application form of the loan you can get the amount wired in your active bank account within the matter of hours.

 

Article Source: http://www.articlesbase.com/personal-finance-articles/get-unsecured-loans-for-unemployed-to-address-your-vital-needs-4660865.html

About the Author

George Phoenix is a financial specialist of unsecured loans for unemployed, which provides genuine information and advice on any type of loan like unemployed loans & unemployed personal loans etc.

 

Instant Cash Loans – Solution of Unforeseen Fiscal Problems

Sunday, April 24th, 2011

There is nothing in this world in the absence of money. If you have money in your pocket, you have all things in this world but if you don’t have money in your pocket, neither can you lead your expected life nor get self respect. You will find yourself helpless at every step of life. Even the employed people sometimes feel such situation when they face any unforeseen necessities but they can easily solve such problems taking the help of instant cash loans which are specially formulated for the customers who are in the same boat.

 

If you are thinking to apply for above mentioned loans, stop thinking about your adverse credit score because instant cash loans are easily available for good as well as bad credit holders. Hence, the customers with poor credit score including arrears, defaults, late payments, skip installments and bankruptcy can easily apply for these loans and can easily get loan to solve their all sudden fiscal problems. The financial assistance from these lenders will be available for you at the time of your desperate need or on the same day of applying because these lenders don’t get credit history checked, get faxed document and also don’t ask to pledge collateral against loan amount to ensure loan amount. Thus, these are hassle free loans.

 

It is also very easy to apply for instant cash loans if you have PC in your home with internet connection. You just need to log on lender’s website and press some keys of keyboard to fill all details of online application form. These lenders just want to know about your income status and personal details along with account number and physical details so that they can be sure that you are right candidate to offer loan amount. When you submit application form successfully, you get fast approval and soon the sanctioned amount is deposited into your mentioned account number same day within few hours. It is good if you read terms and conditions and come to know about interest rates and repayment period that will help you finding the right loan lender for you. Why wait then? Go online and find it out.

 

Article Source: http://www.articlesbase.com/personal-finance-articles/instant-cash-loans-solution-of-unforeseen-fiscal-problems-4657918.html

About the Author

Shane Bon is a successful contributor to finance allied websites such as unemployed cash loans, which bestows information and advice about cash loans and ameliorating credit scores urgently. For more info instant cash loans, etc.

 

Unsecured Loans for People on Benefits: No Need of Collateral for Money

Sunday, April 24th, 2011

It is quite understood that the survival of those people who are living on the DSS benefits in this competitive world is very difficult because every so often unexpected fiscal crunches keep taking place without any prior notification. In such circumstances, these people have to face a number of problems. If you are also facing the same condition, get ready to fight out with all pecuniary troubles because now a fantastic loan option has been introduced in the loan market that unsecured loans for people on benefits for the welfare of people who are disabled due to physical or mental ailment. These loans can easily be acquired by those who are covered under any kind of beneficial scheme offered by the government. Mentioned loans are very handy and fast that allow disabled people to carry out their urgent needs without getting late anymore.

 

Unsecured loans for people on benefits are ideal for those who are unable to pledge any valuable article as collateral against the loan borrowed sum as well as for those who are living as tenant because these loans are free from the requirements of pledging collateral. It means anyone can make the most of this loan service with no trouble. There is no tedious or lengthy paper work with these loans. Hence, one can get the loan without facing any hassle.

 

Being a borrower it is important for you to know that the loan amount varies from person to person as per his needs and repayment potential. For procuring the loan, an applicant has to do is to search systematically for a money lender who offers the loan at reasonable rate of interest. There are various online lenders who cater to the needs of people who are living on the benefits provided by department of social security. You can choose any of them after making comparison among their quotes. Now it just needs to fill out a loan application. Once the loan is approved, your bank account will be blessed with your required loan sum. So, apply for unsecured loans for people on benefits and get cash instantly.

 

Article Source: http://www.articlesbase.com/personal-finance-articles/unsecured-loans-for-people-on-benefits-no-need-of-collateral-for-money-4658050.html

About the Author

Shane bon is highly sophisticated engineer as well as content writer who have earned his fame by writing his blog, press release and articles in the arena of loans for people on benefits. For getting more details about any info unsecured loans for people on benefits, same day unsecured loans, etc.

 

Placing Emphasis in Online Credit Card Services

Sunday, April 24th, 2011

In choosing a credit card, people often use the following factors to come up with a decision: interest rates, fees and charges, introductory offers, reward programmes, and the issuing bank’s reputation. While all these factors are very important, and should indeed be considered carefully when comparing credit cards, the fact remains that another factor, which has become equally important (or even more important than other factors) is often overlooked. The factor being referred to is the online credit card services that comes automatically with each card.

Online credit card services, just like online banking, when it first entered the scene may have been regarded only as an added perk, a convenience that you can really do without. However, due to the magnitude of convenience that online credit card services bring, people are beginning to realise that this “perk” is actually something that they are becoming fast dependent on. And with that increasing dependence, it makes so much sense to treat the online card services that comes with each card to be one of the major deciding factors for choosing a card or not.

To compare the online services available for each card, the best way to do it is obviously to compare each site. Of course you won’t have an account yet, and as such will not be able to do a thorough comparison of the features and the feel of each online credit site. However, a mere glance at the bank’s website would already give you a good idea of the overall feel of their online credit card services. There might be exceptions, such as if a bank’s site is under renovation, but generally the quality of the website will reflect the quality of the online services they provide to their cardholders.

A cursory look at the website will already tell you a lot, but it is important that you do not leave it at that. Go through the site and find out the following information to be able to compare the credit card online facilities better:

1. Possible transactions – Find out the other transactions you can do via the online facility aside from the usual credit card payment and balance inquiry. The best online facilities will allow you to do balance transfers, money transfers, check and change your PIN, ask for a credit limit increase, and so much more.

2. Security – Find out what they have done to ensure the security of their site and the service they provide.

3. Support – Find out if they will provide support for you, as you learn how to navigate the online world, and if you have alternatives to the online facility.

 

Article Source: http://www.articlesbase.com/personal-finance-articles/placing-emphasis-in-online-credit-card-services-4659408.html

About the Author

Peter Carville is a freelance article writer who writes for Financial Facts about the current financial news and the credit crunch.