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New Year Resolutions List
It's time to action all of those items on your new year
list. If you don't do something now you'll only end up putting it off
for another year…
- Open a savings account. Set up a standing order,
making sure it's an affordable amount. Start off aiming low and increase
it after six months. Why not set a target for this time next year. (We'll
be millionaires Rodders!).
- As there are fewer people using their mobile
phones than expected, companies are competing fiercely against each
other. You should review your tariff as most are offering competitive
price plans to switch - or will allow you to adopt another on your existing
phones. One thing's for certain, they won't offer you a cheaper service
without you asking, so get off your behind right now!
- Those of you that have been putting off joining
your company pension scheme, should consider this. If you were offered
a pay rise of between 3% and 5% for no extra work or hours -What would
you say? If you're not a member, you will simply be throwing part of
your salary away.
- Writing a will must be the most popular thing
that people never do. We don't like to think about the ultimate event,
but many of us should. The law is still very unclear, when it comes
to the passing of estates between same sex couples. Make sure your views
are expressed and they cannot be disputed by some long lost cousin.
- Why not switch your credit card balance? Many
providers are offering six month deals on cheap or even no interest.
You know it makes sense!
- When was the last time you looked at your mortgage
interest rate. It is estimated that between 40 and 50% of mortgage holders
are paying their lender's standard variable rate. Over the term of your
loan this could cost you thousands of pounds. The mortgage price war
is getting hot, with many lenders offering low rates and to pay the
costs of switching. Buy now while stocks last!
- Instead of renewing your home and motor insurance
automatically, why not compare deals this year. Many insurers offer
teaser rates in the first year. They rely on a large percentage of new
customers failing to move on in years two or three. Don't give them
the satisfaction. Why not take advantage of the teaser rates every year?
- If you have money in a savings account and have
not opened a cash ISA, you are paying too much tax. You have until 5th
of April to take advantage of your £3,000 limit. Any cash held
in these accounts will earn tax free interest. Visit Pinkfinance's best
deals to find the top rates.
- If you're struggling under the burden of loan
and credit card debts, why not consolidate them into one easy monthly
payment. Make sure you're switching to a lower rate of interest or else
you won't benefit in the long run.
- Buying an annual season ticket for travel could
save you substantial amounts over the year. If you are unable to raise
the lump sum, you could make this one of your savings targets for the
year and save ££££ next January.
Tell us about your financial resolutions? Send them
to editor@pinkfinance.com
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