Facing financial constraints? One of the top strategies to save money is to avoid spending on anything you can obtain for free. Guard yourself against potential scams. This article lists a few things you shouldn’t be paying for in 2013:
PPI
The PPI scandal is a highly publicized issue. If you believe you are affected, reach out to your bank directly as opposed to hiring a third party that claims to handle your claim in exchange for 25% of your PPI refund. PPI officials only communicate directly with the individual for security reasons. So, engaging these companies is basically getting ripped off – they merely mail your application form, which you have to fill out yourself. You can do this for merely the price of a postage stamp rather than giving away 25% of your compensation.
Block Unwanted Calls
Telemarketers and fraudsters attempt to scam unsuspecting individuals via phone calls. Use The Telephone Preference Service (TPS) to block unwanted calls at zero cost. Always reject services that charge you for this. If the blocked numbers continue to harass you, they’re violating the law, and you should obtain legal counsel.
Building New Skills
The cost of self-enhancement can be daunting. Are you prepared to spend a fortune on a cooking masterclass or a series of foreign language courses? Check out your local Skill Swap or Skillbound, where you can exchange your talents with others at no cost. But you should be ready to share your skills.
Furniture Disposal
Most local government institutions will bill you for waste management services. However, if your old furniture is still in good condition, consider donating it to charity. Many charities accept these donations and even offer to pick them up from your doorstep, sparing you the hassle.
Website Development
A successful website can generate lots of revenue. However, securing a domain doesn’t necessarily require a financial investment. Moonfruit and Webs offer free page templates that you can use.
Holiday Accommodation
Rather than spending a fortune on lodging during vacation, consider swapping homes with another family or individual. Various web platforms provide this service, and all that you’re required to do is ensure your home is clean for your guests. You can also consider couch-surfing as a unique opportunity to meet new friends.
Counseling Services
Ignore career advisors who demand hefty fees for their guidance. The National Career Service offers free online career exploration resources that you should utilize.
Medical Assistance
While the NHS used to run an expensive health advice line, they now offer a free hotline, 111, for non-emergency but urgent health concerns. Never dial their old 0845 number, or else you risk a hefty phone bill.
