| Money Saving Tips
20 Ways to Save Money...Earn Money & Improve your Finances
Scot-Saver are authorised to distribute, promote and introduce a wide range of services to help you save money on everyday household bills. We are dedicated to help you save money, earn money and improve your finances and to find you the best deals from reputable business you can rust. Here are a few ways to help you do just that!
 1. Claim what's rightfully yours... A staggering £9.9billion worth of tax credits and other means-tested benefits went unclaimed last year, and, with the cost of living continuing to rise, it's more important than ever to ensure you're not missing out on any extra money. To find out if you are claiming your full entitlement we can put you in touch with our specialist advisors.
2. Financial Claims... If you have a credit card or personal loan there is a strong possibility you are due hundreds if not thousands of ££££'s in compensation. Be it unfair credit card charges, mis-sold payment protection insurance or Unenforceable Credit agreements Scot-Saver specialist representatives can help you find out if you are entitled to make a claim.
 3. Debt Solutions... Debt management solutions are designed to help those falling into the debt trap find their way back to the surface once again. By negotiating with lenders on your behalf we can help you with an appropriate debt management solution to give you breathing space once again, with the potential to stop charges and freeze mounting interest rates.
4. Car Finance... Car sales are falling because of the current economic climate, but those who do buy a new car could potentially waste hundreds of pounds. Experts suggest that buyers of new cars could be throwing away an average of £800 by using a showroom finance deal rather than a low-cost personal loan. For expert advice and competitive quotations why not check out our Cashback deals or call us to find out how we can help.
 5. Remortgage... If you think you are paying too much for your mortgage then it pays to look for the best remortgage deal on the market. Whether it be to lower your repayments, consolidate debt or finance another property it pays to get advice from a reputable specialist.
6. Pay for your cover up front... If you can afford to buy your insurance in a lump sum you should do so, as you usually pay more to spread the cost monthly. You could also consider increasing your excess - the portion of any insurance claim you pay yourself - in order to reduce premiums.
 7. Financial Protection... If you want cover that will pay out in the event you can't meet mortgage payments because of sickness, unemployment or accident then it may be worth your while to check out the available options to give you peace of mind and protect you and your family.
8. Turn electrical items off... Don't leave items such as televisions and stereos on standby as this wastes electricity. Similarly, only fill the kettle with as much water as you need, and turn lights off when they aren't needed to help keep fuel bills down.
 9. Conserve Energy... According to the Energy Saving Trust, 20% of all heat loss in a typical home is through poor ventilation and draughts. It is estimated that if everyone in Scotland draught-proofed their homes we'd save around £25m per year, so make sure your home is properly insulated.
10. Check to see if you are eligible for grants... There could be grants available to help you pay for things such as draught-proofing and cavity wall insulation and loft insulation. For more information you can call the Scot-Saver Hotline to find out if you qualify.
11. House Hold Utilities... It is essential to make sure you aren't paying over the odds for your Gas, Electricity, Home Phone, Mobile Phone, and Broadband. Check out Scot-Saver Cash Back for all the latest Utility Cashback deals plus money back into your pocket where it counts.
As authorised distributors for Utility Warehouse Scot-Saver also recommends that you check out our utility website. The Utility Warehouse calculate that a typical household can save over £870 a year with them - click here to find out how!
12. Use the same provider... Switching to an "all-in-one" package, where you get your gas, electricity, phone and broadband from the same provider, could result in significant savings. You could be saving £100's of pounds per year by switching your utilities to the Utility Warehouse.
13. Pay by direct debit... Most gas and electricity providers offer discounts of up to around 10% if you pay your bills by direct debit rather than by cheque or any other means.
 14. Cut Petrol Costs... The website www.petrolprices.com enables you to find the lowest petrol prices in your area, and includes information from 9,763 petrol stations. You have to register on the site to find out where you can buy the cheapest fuel, but this is free to do and also means you will get regular updates on changing fuel prices in your area.
15. Increase Fuel efficiency... Reduce fuel costs by making sure you aren't using more than you need to. Make sure you regularly check your tyre pressure - low air pressure can increase fuel consumption by up to 10% and by watching your speed. Driving at 70 miles per hour can consume almost 25% more fuel than driving at 50 miles per hour.
 16. Reduce Insurance Costs... Never accept the renewal quote you are offered from your existing insurance company for either home or motor cover. Scot-Saver associate advisors will assist you to find a competitive deal or Alternatively you can grab your self a fantastic special offer + money back into your pocket with Scot-Saver Cash Back.
17. De-Clutter and earn money... Sell unwanted items through online auction sites such as www.eBay.co.uk, or through a car boot sale. Pitches tend to cost between £5 and £20, and you can find sales in your area at www.carbootjunction.com.
 18. Earn Cash Back by Shopping On-line... Scot-Saver cash back website www.scot-saver-cashback.com provides constantly updated information on the latest and best offers from some of the UK's biggest retailers. You can pick from the day's best offers or browse through some of the latest deals, and earn cash back on all your purchases.
19. Buy in bulk... Buy non perishable items such as toilet paper and kitchen rolls in bulk, as they will usually cost less. It also saves you from having to go to the shops to stock up on these items. Take advantage of two-for-one offers when shopping too.
20. Reduced food wastage... To avoid throwing away unused food, try to write a weekly meal plan, so you buy only what you know you will be eating each day. When food shopping, don't always go for the names you know. Compare the prices of products you are buying and go for special offers wherever possible.
For further information about any of our Money Saving Tip call our FREEPHONE hotline on 0800 542 0880 and one of our representatives with help you with your enquiry. Alternatively click to register your enquiry and one of the team will be in touch.
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