Researching and Saving

It is that time of the year when all our finances are at out accountants and we are putting our figures into the tax credits, and we finally know what we have earned over the last year! It is always a little depressing to know what we have earned and what we have left for that hard work over the year.

This year has been financially hard, like it has been with so many families, and we have really had to pull the purse strings this year. We have had to be ruthless with the stuff that we pay out and we have heavily researched everything that we pay. We have looked at all of our direct debits, scrapped the ones that don’t need to be there, and tried to find better deals on the ones that have to be there. Our home insurance is up for renewal very soon, and it will also be researched heavily to find the better deal for us, ComparetheMarket.com has become our best friend. We are using this regularly to find the cheaper insurances for us.

We need these insurances and our home insurance has been a life saver for us in the past when we had a massive leak in the bathroom, going through the floor into the downstairs toilet and rotting the ceiling in the downstairs toilet. We called them out not really sure what to do and they were so helpful and got us out of a very sticky situation. So we can’t live without it especially with a dog and child in the house, things happen after all don’t they. I would not be comfortable not having a good home insurance, however I am also not comfortable paying over the odds for it.

If we can find a better deal we will go with it, and we have been shocked in the past year at how much we have saved from simply just changing who we are insured with or who is providing our telephone. They are so easy to change and our making a big difference to our already tight budget going that little bit further.

It is all about change in our house, but insurance is really an important thing like food, we can’t live without it we need it but we can find it a little cheaper with a little research and a little common sense.

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