We’ve all had a tough year financially and there appears to be little in the way of good news as we head towards the New Year. So it’s a good time to start looking at ways to cut costs and ensure that we are getting the best deals on all our financial products. Don’t just renew insurances with an existing provider, check the market to see if you can find the same cover cheaper. Think about switching energy suppliers, bank accounts and credit cards if you find a better deal elsewhere. It often takes just one phone call and everything is arranged for you. In the meantime here’s our latest money bulletin to help you get the best deals. Have a very Happy Christmas and here’s to a prosperous New Year ahead. |
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INSURE AND SAVE Geoffrey Hoskins is delighted he listened to his brother. He helped him to save £60 off his car insurance. “My brother called me when I was about to renew the insurance on my Citroen C4 in September. “He’d spotted a feature on Auto Direct insurance in the Daily Mirror and said I should give them a call to see if I could get a cheaper quote,” says the 68 year old from Diss in Norfolk. Geoffrey had been with his previous insurer for five years and never thought of switching. “I just keep renewing and never thought of looking elsewhere. But I’m really glad I did this time round. I can’t believe I saved £60 with one quick phone call,” says the retired farmer. Find out if you could save money when you next renew your car insurance by calling Auto Direct on 0800 781 9665.  |
| RETIRING NEXT YEAR Are you one of the many Mirror readers planning to retire in 2009, and worrying whether the recent financial melt down will affect your pension? If you are in a final salary scheme you won’t need to worry. But if not you may be considering postponing your retirement in the hope that the stock market and your pension fund recovers. Well there is some good news because Mirrorsure Retirement Solutions, provided by independent retirement specialists Origen, can make sure Mirror readers have the best chance to get the highest pension income available. We look at the income offered by the company you have saved your pension with and compare it with that offered by other companies. Then we do all the paperwork to get you the best possible retirement income. It may add hundreds of pounds each year for the rest of your life. So a higher annuity rate could help offset any recent loss to your pension fund. And, by locking into today’s rates, you could protect yourself from future uncertainty. Nobody can predict the future and deciding whether or not to take income from your pension fund is an important decision, as it is likely to impact on the income that you receive for the rest of your life. Contact Origen on 0800 013 7722 if you are retiring in 2009 and get advice from the experts to help you make the most of your pension fund.  |
SAVVY CHRISTMAS SPENDING Q How can I make sure I don’t overspend this Christmas? A That’s easy. Just get yourself a Quidity Prepaid Maestro card. Add up what you want to spend on presents, food, drink and decorations and then load that amount onto your card. It’s simple to top up your card at the Post Office or a PayPoint outlet, or online using your bank card. Once the money is on your card, that’s all you can spend, so no risk of debt! Make sure you allow yourself a little bit extra for your own special Christmas treat. If you buy your presents from the MirrorCashback website, www.mirrorcashback.com, your cashback earnings of £25 or over will be put onto your Quidity card ready for the January sales. Visit www.quiditycard.com/mirror to find out more.  |
| CASH BOOST FOR 2009 It’s been a tough year for many with basic costs of living increasing but there is good news if you’re a homeowner aged over 55. You can use the money tied up in your home to generate a tax free cash lump sum which will leave more money in your pocket each month. Many people have found equity release has helped with not only the few extras in life, such as holidays or a new car but that money worries are eased by taking care of day to day living expenses. As with all financial decisions it’s important to seek out the best independent advice and find an equitY release plan that’s right for you. Don’t put off getting your finances back in order - ease the pressure in 2009 by releasing some cash from the value in your home. Mirrorsure has teamed up with Key Retirement Solutions, the UK’s leading independent equity release specialists. They only advise on SHIP approved plans, which means you will have a no negative equity guarantee and your plan can never leave any debt to your family. For more information visit www.mirrorsure.co.uk/equityrelease or call 0800 422 0800.  |
PLAN TO COVER COSTS As funeral costs keep rising, it’s difficult to work out how much money to save to ensure you don’t leave loved ones with a hefty unexpected bill. With a bit of forward planning you can rest assured that funeral costs can be covered. Mirrorsure have teamed up with Dignity to offer readers the Dignity Funeral Plan – practical and affordable ways to pay towards funeral costs. You can guarantee to cover all the services within the plan in full, giving you and your loved ones peace of mind that they will not have this financial strain. What’s more, because you pay at today’s prices, any future price increases needn’t be a worry. Acceptance is guaranteed; there are no health restrictions, medical questions and no upper age limits. Dignity’s free information pack explains just how easy it is to take out a plan. We have even arranged a special £50 discount for Mirror readers. Call free on 0800 633 5137 to receive a no-obligation pack.  |
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