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Save Money And Time This Christmas By Using The Internet
By Rachel Lane, Sat Dec 10th
You don't have to be a Scrooge this Christmas to save money.Financial planning isn't the same as financial skimping and withjust a little time spent on the internet, you can ensure you'regetting the best deal on all of your personal finances, as wellas your shopping. It is interesting that many of us will shoparound for insurance and to a certain extent for our Christmasshopping, but with products that demand long term accountabilitywe tend to be more passive. For example, we may choose to shopat Tesco instead of Waitrose to save money and we buy Valueinstead Finest, but when we are paying more than we have to oncredit cards and loans - apparently we're more than happy tostay put.
The lack of interest in managing our personal finances has moreserious consequences though and in its October report, CreditAction, a national debt education charity, informed that: * 15% of 18-24 year olds thought an ISA was an iPod accessory * 10% of 18-24 year olds thought an ISA was an energy drink * Almost 80% of people surveyed did not associate APR withinterest rate
Whilst we are quick enough to apply for credit, we're quite slowin effectively managing our borrowing, but it's not as if thetools aren't there to help us. Moneynet, for example, not onlyprovides pricecomparison research for loans and credit cards; it alsooffers a tool to help you manage your finances online -securely, and has published a series of product guides to helpconsumers make sense of their finances.
The increase in young people entering higher education - andthen leaving with debt has also provoked many financialinstitute companies to review their product portfolio, targetinggraduates who want to get one foot on the property ladder andthe other foot on the career ladder. Barclays for example,offers several graduate products on its loans page ( http://www.barclays.co.uk/loans-index/
), including career development personalloans, professional studies personal loan and a graduatepersonal loan.
Whilst young people may not be saving, they do tend to be moreadept at using the internet for online shopping. Not only doesshopping online often save you money, it's also more convenient.Without moving from your home, you can do all of your Christmasshopping in one session. Whether you're looking for the latestSony Ericsson 3G mobile ( http://www.sonyericsson.com ), an engraved iPod from Apple ( http://www.apple.com/ipod/), or even a classic piece of jewellery from H Samuel ( http://www.hsamuel.co.uk/webstore/jewellery.do ) - it's all online. Andwhether you're stocking up from Tesco ( http://www.tesco.com ) or goingfor something a bit more upmarket like a Christmas hamper ( http://www.christmashamper.com/ ), the internet allows you to order exactly what youwant and get it delivered to your door.
If you're new to shopping and banking online, moneynet offers acomprehensive guide to personal finance at Christmas andsites such as Kelkoo and Ciao will give you a head start tobegin finding the best price for your Christmas shopping. Famousonline brands like Amazon and eBay will also offer you anextensive range of conventional and less conventional Christmaschoices at discounted prices.
Shopping online is now as secure as high street shopping andgiven that the internet is open 24 / 7, you can now shop whilstthe kids are in bed. About the author: Rachel writes for a variety of online publications, includingher own personal finance blog Cashzilla.
http://www.cashzilla.co.uk
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