Being a single mum you get a special department to deal with it all as they are supposed to be geared up for single parents – Lone Parent Advisors. I saw supposed to be as I wouldn’t really call it geared up. They can do lots of what if calculations and can talk through what is your best situation but when I talked about the changed to free school meal entitlement that will be changing in some parts in September they knew nothing about it. At the moment you can’t be in receipt of Tax Credits to qualify for free school meals and when you have two bottomless pits to feed the £20 a week, that it is worth to me, does get counted on. In September and February this is changing so check with your local school meals office to see if it might affect you.

One other thing that was alarming to say the least with the ‘Lone Parent Advisor’ set up is how much information they got wrong. To help they do an electronic service where they notify all the relevant offices that you have changed your details. For me this was tax credits and housing benefit. I thought it would save me lots of phone calls and providing proof. I was wrong. Yes the information was sent to all the correct places but some of the information was incorrect. This has a knock on effect and was slightly worrying when the rent was due to go out. I was suddenly faced with not being able to pay my rent only because they received the wrong information and had to recalculate it all and whilst the computers where doing there calculation they couldn’t tell me what was actually going to be paid and when.

I only found out they had the wrong information because I rang all the departments to check they had received all the information. Never using the job centres tell them all service I wasn’t convinced it would work. When you’re in the situation that every penny is counted for, this sort of error can be stressful to say the least.

So my advice when dealing with anything benefit related is check and check again. Don’t worry your becoming a nuisance by calling every day. If I hadn’t if called I would be explain to my landlord why his rent wasn’t paid.

The effects on saving on electricity are not only green but saves money too but if you’re on water meter, wasted water is not just wasted water but money down the drain too.

So here I have pulled together some of being a bit greener and saving money along the way.

Change your light bulbs – Only 10 percent of the input power in a traditional light bulb is converted into light. The rest is lost in heat. Lighting a LED bulb is more efficient as I can convert 50 per cent of input energy into light.

Use a clothes line – Reduce tumble dryer use with an indoor drying rack or an outside clothes line. Natural drying is better for your clothes, cheaper and doesn’t waste energy.

Take your shoes off – leaving your shoes at the door will cut levels of lead dust in your home by 60per cent. This is due to almost all the lead dust inside our homes comes from contaminated outdoor soil.

Consider CFL Light bulbs – those funny swirly looking light bulbs may cost more in the first place but they use a quarter of the electricity and last for years. But remember to recycle as they contain small amounts of mercury.

Reuse containers – instead of paying for kitchen storage boxes, reuse old packaging like ice cream containers and such like. Also try and reuse plastic bags as 3 billion kilograms of the stuff enter the waste stream each year.

Don’t replace, use it up – Its greener to use up what you have first then replacing everything and throwing goods away even if they aren’t eco-friendly.

Use less paper – we go through 900 million trees a year to keep us in paper. Use both sides of the paper. Don’t print out emails unless vital and try to recycle as much paper products and packaging as possible.

Use a microwave to cook – a microwave is faster and more efficient and will reduce your energy usage by about 75 per cent.

Dim the lights. Dimming your lights by 25 or 50 per cent with a dimmer switch will save about the same amount in energy.

Put your heating on a timer – No one needs the heat on at night. Set a timer to switch the heating off at bedtime and on again in the morning. It would also save 25 per cent of your heating costs and even more in terms of energy.

Don’t buy bottles of water – instead buy a water filter instead of all those plastic bottles.

Get a home energy audit – Most utility providers will do one for free. You will then know how green you are or aren’t.

Recycle all your drink cans – the energy saved by recycling one can could run a television for three hours.

Don’t charge your mobile phone overnight- most phones only take an hour to charge. So charging it all night is drawing wasted energy.

Switch your DVD off standby- Eighty-five per cent of energy used by a DVD player is wasted when it’s on standby.

Use rechargeable batteries – Six hundred million batteries are used in the UK alone every year – most end up as toxic components of landfill.

Reuse plastic bags – we use over 500 billion plastic bags every year (that’s a million a minute) It will take over a millennium for these to degrade.

Open your windows – by airing your house when it’s chilly outside you will get rid of some of those VOC’s. Turning off the air conditioning will not only save energy but money too.

 Only use your washing machine when it is full. With 90 per cent of households having a washing machine and using 50 – 120 litres a cycle it’s a lot of water used. You can save water by only switch it on when you have a full load. By using a 30 degree wash setting it will save energy but will also get your clothes just as a clean as a 40 degree wash. When your machine does give up the ghost then replace it with an energy saving model that allows you to run shorter cycles. There is always the washboard and mangle but I wouldn’t expect any mum to resort to that.

When you’re brushing your teeth turn the tap off. It doesn’t need to run the whole time and your literally throwing away 8,100 litres a year.

Showers are famously quicker and use less water than baths. Showers use 35 litres where as a bath uses 80 litres. Power showers though use about 80 litres. 

Flush less often. Obviously flush what needs to be flushed but the average house flushes 50 litres of water down the toilet every day. Next time you only blow your nose then flush the tissue down the toilet, think before you flush it.

Collect rainwater. We get enough of it that if you only used the collected water for plants and the garden at least you have saved some. You only need a water butt in your garden to collect water from the down pipe.

Think before tip. The half filled glasses of water you tip down the sink every day could be saved in the fridge for later or used for watering the plants.

If you regularly run the tap to get cold water for drinks, fill a jug and put it in the fridge.

Turn your thermostat down on your hot water. Does it really have to be that hot? Turning the thermostat down will save energy and if you don’t spend so long in a hot steamy shower you have saved water too.

• How many children you have living with you
• Whether you work and how many hours you work.
• If you pay for childcare
• If you or any child living with you has a disability
• If your ages 50 plus and are coming off benefits

Your payments will also depend on your income, the lower your income the more tax credit you could get.

Tax and child credits do get a bit confusing in the way they work. They work by basing your payments on your current circumstances and your income from the previous tax year. A tax year runs from 5 April to the following 5 April.

Each April, May and June the tax Credit office will write to you and ask you to:

• Check the information they have on your personal circumstances
• Confirm the income you received in the year that has just ended
• Renew your claim.

Whilst this checking process is happening, the payments they pay you from 6 April until you have renewed your claim are provisional payments. After they have calculated the correct payment it works out that they have paid you too much you may be asked to pay them back. They will normally do this by adjusting your payments after the renewal. The same applies if they haven’t paid you enough.

The best way to avoid nasty surprises is to notify them of any change of circumstances as they happen.

Child maintenance is regular, reliable financial support which helps towards a child’s everyday living costs. The parent who does not have main day-to-day care of the child provides child maintenance to the parent who does.

There are three ways you can arrange to pay or receive child maintenance:

1). through a private arrangement

2). through the statutory system, provided by the Child Support Agency (CSA)

3). through a court order

Child Maintenance Options

A good place to get information about your maintenance choices is from the Child Maintenance Options service. It is a government-funded online and telephone service which gives parents information and support about child maintenance so that they can decide for themselves which arrangement best suits their circumstances.

The Options service is free and confidential. It is separate from the Child Support Agency and completely impartial.

The website is simple to use and can signpost you to practical support for any other issues you may face as a single mum such as housing and benefits. You can visit www.cmoptions.org or call the free helpline number 0800 988 0988 and speak to a specialist. Lines are open from 8am to 8pm Monday to Friday and 9am to 4pm Saturday.

Option 1 – Private Arrangement

Separated and separating parents can set up a private arrangement to sort out child maintenance, without using the courts or the CSA. There are lots of benefits to having a private arrangement:

• It can be quick and easy to set up
• There’s little paperwork to do
• It could help keep things friendly between you and the other parent
• There are no set rules so you can be more flexible. For example:

- You can agree between yourselves on how much payments should be and when they should be made.
- If either parent’s circumstances change your arrangement can change straight away if you both agree to it.
- You could agree to offer or receive financial support in kind; for example the parent with the main day to day care could pay for clothes, music lessons or school trips.

However, a private arrangement is not legally binding and therefore parents will have to rely on each other to stick to the agreed terms as well as be honest about any change in circumstances.

Option 2 – CSA Arrangement

If you feel a private arrangement wouldn’t work in your situation, the government’s statutory child maintenance service, currently run by the Child Support Agency, can collect child maintenance for you.

It can do the following:

• Try to trace the other parent if their address is unknown
• Collect and enforce payments
• Allow you to avoid any contact with the other parent

Either parent can make an application to the CSA. The CSA isn’t as flexible as a private arrangement. If circumstances change it can take a while for the payments to be adjusted.

The CSA also offers ‘Maintenance Direct’, which is where child maintenance is calculated by the CSA but not collected. The parent without the main day-to-day care makes payments directly to the other parent. Maintenance Direct allows parents to be more flexible; you can agree between yourselves how and when money is paid and the amounts can be varied if circumstances change. The CSA is still available if a new calculation needs to be made or to step in if the non-resident parent doesn’t make the payments that are due.

You can get an idea of how much child maintenance you might pay or receive through the CSA by using this link https://secureonline.dwp.gov.uk/csa/v2/en/calculate-maintenance.asp

Option 3 – Consent Order

An alternative way of sorting out child maintenance is through the courts, but this varies depending on where you live.

Consent order (in England and Wales)

This is an official ruling made by a court. It is normally used when parents are deciding a divorce settlement or sharing assets. Both parents normally have to work with solicitors to agree the amount of child maintenance to be paid. They then apply to the court to turn the agreement into a consent order.

A consent order means the court can enforce payment if the parent without main day-to-day care of the child fails to pay. However, getting a consent order can be expensive. Legal aid won’t cover these costs if you are only going to court to get a consent order for child maintenance.

Minute of agreement (in Scotland)

If you live in Scotland, a child maintenance arrangement can be made into a legally binding contract called a ‘minute of agreement’. The sheriff officer can collect and enforce payments if the parent without main day-to-day care of the child breaks the agreement.

For more information it is best to call the Options service or visit the website.

You need to be:

• Bringing up children on your own
• Starting work of at least 16 hours per week
• Expect the work to last 5 weeks or more

You must also have been getting Income Support or Jobseeker’s Allowance (or a combination of these benefits) for at least 52 weeks or more without a break.

If you’re entitled to In Work Credit you need to claim it before you start work.

• Jobseeker’s Allowance
• Income Support
• Employment and Support Allowance
• Incapacity Benefit
• Severe Disablement Allowance
• Jobcentre Plus / New Deal Allowance
• Employment Zone payments

The amount available is £250 for lone parents (£100 for single people without children). There is no need to claim this grant as you automatically receive it if you are eligible. You just need to inform your local Jobcentre Plus Office that you are starting work and i is paid the same way as you were paid benefits.

As Job Grant is tax free it won’t reduce other benefits or tax credits that you may be entitled to once you start work.

If you qualify for the Job Grant you will also be eligible for Extended Council Tax Credits and Extended Housing Benefit.

The only way to claim this benefit is to fill in a Child Benefit claim form and send it to the Child Benefit Office along with your child’s birth or adoption certificate. It cannot be claimed over the phone or via the internet. The claim form is supplied with the Bounty Pack that’s given to new mothers in hospital or is available to print off online. (You will still need to send the completed for to the Child Benefit Office)

You get a higher rate for your eldest child or only child, then a lower rate for additional children.

Current rates until April 2010 are:

• Eldest or only child £20.00 weekly
• Additional children £13.20 weekly

April 2010-02-06 :

• Eldest or only child £20.30 weekly
• Additional children £13.40 weekly

There is normally a small increase each April but letters are sent out before hand to notify you.

Child Benefit can be paid direct into a bank account every 4 weeks, you can request for it to be paid weekly if you are on income support, income-based jobseekers allowance, income related employment and support allowances or if you are a single parent.

Claiming child benefit can also protect your State Pension entitlement. You can read more about this at the Direct Gov web site.

You won’t be able to claim though if you:

• Have savings over £16,000
• You live in a home of a close relative
• You’re a full time student unless you are disabled or have children

If you rent your property from a private landlord, your Housing Benefit will be calculated with the Local Housing Allowance rules.  

If you live in council accommodation or other social housing, the most Housing Benefit you can get is the same as your ‘eligible‘rent. (Eligible rent includes rent for the accommodation, charges for some services like lifts, communal laundry etc. Even if water charges, heating, hot water and lighting are included in your rent you won’t get housing benefit on these elements)

How much you get depends on:

• Money coming in
• Your savings
• Your circumstances: age, size of family and their ages, disablement.
• The amount of rent is reasonable for your home and the area you live
• The home is reasonable size for your family

If you are a council tenant, housing benefit will be paid direct to your rent account.

If you’re not a council tenant it is paid to you by cheque or direct into your bank account every 4 weeks.

Council Tax benefit is taken directly off your council tax bill. Once its worked out and applied you then receive a revised bill.

Housing benefit doesn’t affect any other benefits you get.

If you know you are about to move, you can claim up to 13 weeks before you move. This doesn’t necessarily mean you will get any money before you move in, it just organises everything beforehand.

You can get a Sure Start Maternity Grant if you receive any of the following:

• Income Support
• Income based Jobseeker’s Allowance
• Income related Employment and Support Allowance
• Pension Credit
• Child Tax Credit at a rate higher than the family element
• Working Tax Credit where a disability or severe disability element is included in the award

And if the following applies to you:

• You are pregnant and expecting a baby within 11 weeks or have given birth within the last three months.

There are also other situations like adoption, residence order and surrogates taken into account. See Direct Gov for more details. 

There is a time limit as to when you apply for the grant, from 29^th week of your pregnancy until your child is 3 months old.

As I manage to get these relating sections written I will post them up. In the meantime if you have any tips or advice on various benefits from your experinces that would help other single mums ( Sadly hoping on one leg and whistling a tune doesn’t work in getting answers from benefit departments faster– I did try) please drop me a line so they can be included.

• You may be able to get Income Support if you are aged 16 to 59 and any of the following apply:
• You are a lone parent ( from 26 October 2009 with a child under 10, from 25 October 2010 with a child under 7 living with them)
• You are registered as sick or disabled
• You are caring for someone who is sick or elderly
• You are pregnant and your baby is due in the next 11 weeks or you have given birth in the last 15 weeks.

You also:

• Don’t have savings of more that £16,000
• You’re not working or working less than 16 hours a week.
• There are further restrictions if you have a partner – please check these out with the Jobcentre.

How much you receive depends on your circumstances like your living arrangements, how many children you have and how much in savings you have. Just as a guide the personal allowances from 6 April 2009 for lone parents are £50.95 for under 18, £64.30 for lone parents aged 18 and over. As each person’s situation is different this is only a guide.

Its paid fortnightly into your bank, building society, post office or national savings account that accepts direct payment. They will arrange a cheque  that is cashable at a Post Office if you are unable to open or manage an account.

You can claim Income Support online.

If you are on Income Support you automatically qualify for the :

• Free dental care
• Free prescriptions
• Free school meals ( you have to apply by filling in a form)
• Housing Benefit/Council tax benefit

As it’s a voluntary programme, it is your choice as to whether or not you take part.

Although I personally haven’t tried New Deal for Lone Parents, I do know it has been a great help to some single parents. It has built their confidence up and helped them through the process of getting back to work.

Contact your local Jobcentre Plus for more details.

The basics of my situation – I want to become a web site designer. I have been making small websites for myself and friends for long enough to realise it’s my passion. Website design and SEO have been my hobby for many years, so with lots of research and thinking I have decided to take it to the next level. I have always followed the strict regime outlined by the benefit system but in doing so my paying customer number is down there on the nonexistent level.

At nearly 40 I am too old for the New Business schemes that are out there.

Also when I was made redundant I was put on income support automatically as I have two children. Now if I had been put on Job Seekers allowance then the step into self employment would be rewarded with a Self Employment Credit of £50 a week for 16 weeks which is a total of £800

Now if I stay on income support for another 6 months and then launch into being self employed after a full year of income support then I would qualify for In Work Credit. This is £40 a week for 52 weeks, a grand total of £2080.

In the grand scheme of things if I was sure I would be working over 30 hours a week and had lots of customers lined up then yes I would be hugely better off. But in starting up the business the early days are the days that the help is needed when customer numbers are low. It’s not like flicking a light switch and hey presto working lots of hours lots of customers.

So I have no option but to start gradually and inform the relative benefit sections of my increase in hours and income. This also cancels out the entitlement of the above schemes. I think this post could be now called I am about to launch a business on nothing.

Now don’t get me wrong I know it will be a lot of hard work to start up – it wouldn’t be rewarding if it was easy. I am not looking for an easy route. It’s just sad that out of all the help that is out there I don’t fit into any of the categories.

Please – if there any any self employed single mums out there get in touch and share your experiences.

There is in the UK, a British PLC called the Utility Warehouse Discount Club.  This company is a member of the FTSE 250 and trades under the name of Telecom Plus PLC.  As well as receiving many business accolades from such magazines as European Business Magazine, Investor’s Chronicle and being given the prestigious title of the number 1 UK PLC of the year in March 2009, this company also has received much credibility from independent consumer magazines such as Which? And in a consumer survey, it was reported that 94% of its customers would recommend the services to a friend.

So, just how does this work?  Well there are 3 easy steps.  The first being that The utility Warehouse Discount club is  a word of mouth marketing company so doesn’t pay for advertising costs of any sort.  It relies on its network of customers and distributors to promote its products and services and passes on the savings made to its customers and distributors.  you have one single, simple monthly bill for your gas, electricity, broadband and telephony and no minimum contract for most of the services.  The department of trade and industry have said that switching to the Utility Warehouse Discount club can save you somewhere in the region of £800 per year and that’s without employing the two other methods by which you can shrink your bills to nothing if you so wish.

The second method is simply to use the cash back card.  This card is a master card but not a credit card so you top up and then go and spend.  By spending on your food, clothes, baby goods, sporting goods, etc,

You can reduce your bill by around £30 per month.  Every time you spend, you reduce your bill by 5%.  That’s a good saving by anyone’s standard.

The third and final way is to recommend these services to your friends and family.  By recommending just 10 people you could potentially save yourself 20% for as long as your friends and family remain customers.  There are some people in this country who have shrank their bills so much that the Utility Warehouse Discount club has to pay them.  How fantastic is that?  As single mums we owe it to ourselves to save money but it’s also important to have good service so isn’t it worth taking a look at this?  What could a yearly saving shown above allow you to do?  Go on holiday perhaps?  Just do extra little things with the kids you couldn’t afford to do?

If you think you’d like to take a look then here is the MiniBills site.

The biggest mistake though is not facing the problem or not trying to tackle it. It may be on your mind all the time but not actually doing anything positive about it is just hiding from the problem.

Take control of the situation. So ok you’re in debt. You’re not the first or last and certainly not alone.

If you are in serious debt contact your creditors (the people you owe money to) before they contact you. They don’t actually want to take court action unless it is absolutely necessary. But the problems won’t go away if you ignore them. They will only get worse.

Seek advice. Don’t go to debt counselling companies that charge a fee for their services. I made this costly mistake and still trying to unravel the mess. There are companies that don’t charge and the money you would pay in fees could go towards paying off debts.

First make sure you getting all the money you are entitled to. www.entitledto.co.uk has a nifty anonymous calculator then will estimate what you could be entitled to.

Sit down and list everything and I mean everything. Be it on a piece of paper or getting nifty with an excel sheet. Work out exactly what you have coming in and what goes out. You have probably looked at this before and cancelled the things you don’t need like gym membership for a gym you don’t go to etc. But it is worth having another look at it.

Keep this to hand and then talk to your local http://www.citizensadvice.org.uk . There advice is free and up to date. Other free organisations are http://www.payplan.com and http://www.nationaldebtline.co.uk . These people deal with people with debt problems every day. They won’t be shocked but will offer advice on what the best action is for your situation and circumstances.

I can’t stress enough the importance of tackling the situation and keeping away from companies that charge for their services.

I have two children so the idea of dragging them on the quest for a new item never filled me with enthusiasm. Now it’s a way of life.

I don’t have to tackle the car parks or pay the extortionate price of parking. I don’t have to spend my precious petrol on the whole experience either. I shop with my slippers on and cup of coffee. Total bliss.

But now I am saving money as I shop on the internet. I promise its nothing shady or such like. I found a site that pays me back a percentage of what I spend. EH? I hear you cry. Well I pop along to Internet Cashback and log in. Browse to the section I want, like today it was New Look for clothes. I click the link and taken to New Look website. I happily shop away knowing that I will get 8% back into my Internet Cashback account from shopping at New Look . Once you have reached £40 they send it along to your bank account. Personally I am going to leave the money in there till Christmas.

It’s not all 8% either . Take out home insurance with HSBC and you have earnt yourself £25. Shop at Boots ? You could be earning yourself 4% on your purchases. WH Smiths for the kids back to school stuff, you could be earning 3.5% back into your purse. There really is such a wide variety on there that I have mearly skimmed the surface. And remember all those percentages add up to a nice deposit back into your purse just because you went through Internet Cashback.   

As well as loads of categories, it’s well worth joining for the free £10 they give you just for signing up. Now when I shop I go through Internet Cash back to reward myself with £%. How cool is that, it’s like being paid to shop.

Instead of buying a lottery ticket put the money into a jar, when it reaches a lump sum buy premium bonds instead.

Get used to using cash rather than credit cards. It’s a proven fact that people using cash spend less then those who pay with plastic.

Voucherseeker.co.uk  & Vouchercodes.co.uk– have the pick of the best discount from big names.

Toluna – get products for free to try out. Only catch you have to report back on what you think and your opinions on the products. Click Here to find out more.

Switch off TVs , hi-fis and PCs instead of leaving them on standby – can save up about £130 a year.

By swapping just 5 of the most used light bulbs for energy-saving bulbs saves you  £30 a year

Turning down the thermostat just one degree saves £50 a year.

Check your getting the best prices – it pays to shop around.

• Save On Your Bills – to see if you can save on your bills.
• mySupermarket.co.uk – to check the best prices in the supermarket before you go shopping.
• Beat That Quote – always wise to check out the quote you’ve had is the best one.

Use canned cream instead of fresh

Use dried beans and chickpeas instead of canned

Use streaky bacon instead of back bacon

Use pollack instead of cod

Use boneless chicken thighs instead of chicken breasts

Use the freezer to store bread and crumpets saves throwing it away what hasn’t been used because it’s past its best.

Empty wine dregs into ice cube trays, can be used then in soups, casseroles and sauces for extra flavour.

Send in your tips or add them in the comments below

Supermarket Loyalty Cards – if they do one – get one. By just presenting a card you get loyalty points. These will soon add up and can be used in a variety of ways.

Buy Loose – Fruit and veg is cheaper when bought loose. Will you really eat your way through that bag of oranges before they go off? I know I don’t in my vain attempt to get at least one piece of fruit into my kids.  Save even more by buying seasonal and if you can shop after 4pm they are often discounting it all too.

Write a shopping list – and remember to take it with you. Planning a weeks shopping and sticking to it wont add on the little extras you forget about till it comes to paying the bill. A special offer is only good if you actually like and use the product in the first place.

Time your attack – supermarkets need the shelf space for the next days delivery so many items are put on offer. If you can mange to shop in the evening or on a Sunday you can benefit by saving some money.

Buy Bulk – but only on your staples that you know you will constantly use. Things like rice, pasta, olive oil etc. And make sure you have storage space to keep it all.

Buy Own Brand – Not only are they cheaper they are just as good or better. My children thought they only drank branded squashes till they caught me refilling a branded bottle with own label.

Dont Shop When You’re Hungry – we have all done it and you always come out with loads more than you need.

Shop Alone – if at all possible don’t shop with kids or partners. They get in the way, add things to the trolley and stop you getting the job done.

Tesco

Basically you get 1 point for every £1 you spend. Once you have reached 100 points they convert it into a voucher worth £1. Now whilst your thinking this doesn’t sound much it does add up. They also do various promotions where you can double up your points, earn extra points and receive more for your points. Once they sold iPod shuffles for £49 and gave 999 bonus points. Add that to the normal points accrued on the sale and it actually turned out you had £42 of clubcard Deals making the iPod effectively £7.

Nectar Points – Used in Sainsbury’s. BP, Homebase, Amazon.co.uk, Play.com and Dixons.co.uk

For every £1 spent usually gains you 2 points. You can use the points in exchange for gifts, shopping discounts off member stores and days out.

Joining the email newsletter with them can boost your points when they send out questionnaires in return for 50 points or more.

Boots – Use online or in store an earn 4 points for every £1.

Most the stores have loyalty machines that print out offers and vouchers when you insert your card. Boots commonly hold mega weekends where extra points are given out . If you spend online though remember to collect your points from instore with in 6 months or you loose the points.

When we have already cut back on things just to make the sums add up, we are now faced with the task of having to cut back and tighten the belt even more.

So how on earth can we do it? Its not going to be easy and its not going to be pretty. Never more than now does the saying ‘every penny count’ mean so much. So I have now we have a money section. Simple tips, big tips, easy tips…..actually any tip I know or can find to help save those pennies.

Saving Money on the Shopping Bill – how small things as we shop can save some pennies.

Loyalty Cards – What do you get for your loyalty?

Saving Money in the Kitchen - simple and easy tips to help save the pennies.

Saving Money Generally - ideas to save moeny generally on anything.

Please get in touch with your moeny saving tips so they can be added and help others.