JON CLIFT & AMANDA CUTHBERT's Your Money Use less – save more An A–Z guide to making PDF

By JON CLIFT & AMANDA CUTHBERT

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60 a cup sets you back about £104 a month – that’s £1,248 a year. COLD CALLING People calling on you unannounced trying to sell you things are a nuisance and cost you money; don’t get sucked into their bizarre sales talk. A polite but firm ‘no thanks’ before shutting the door or putting the phone down works well and is very simple – stop them before they get really started! uk 0845 703 4599 Sign up to reduce the number of cold telephone calls by registering with the TPS. COMPETITIONS Entering free competitions can be good fun, and surprisingly few people actually enter the many competitions in newspapers and magazines.

This normally works on a simple points system, with extra points given to those who baby-sit after midnight. All it needs is someone to start a circle – how about you? Get one started by letting other parents know; doctor’s surgeries are a great place to advertise, and ask your health visitor to spread the word. Most baby-sitting circles change the organiser every couple of months to spread the workload. BANKRUPTCY If you think you are about to become bankrupt, or are considering making yourself bankrupt, get advice as soon as possible.

Reduce, reuse, recycle’ saves cash in almost every area of life. The less you buy, the more cash you have in your pocket and the fewer goods there are going to landfill and polluting the planet – and there’s a lot of free stuff to be had, if you can take time to find it. So use this book to have fun, be more self-sufficient and get together with others to share costs. Whether it’s buying in bulk, watching a DVD with friends or organising a clothes swap party, you’ll save money. A–Z guide AGE UK A charity for older people that can help with free money advice.

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