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INC

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AL

CURBCHILDCARECOSTS

BYUPTO£1,000AYEAR

ALITTLEknownschemeal-

lowsyoutobagchildcare

vouchersfrompre-taxin-

comemeaningbasic-rate

tax-payerscansave£300

per£1,000ofchildcare.

Save:£900/yearper

parent

ReadMartin’sarticle:

www.moneysavingexpert.

com/childcare

CRUSHCREDITCARDDEBTS

IFYOUhaveexistingcreditcarddebtssimplyshiftthedebttoanewcard

atthecheapestrate.You’llneedtoshoparoundforthebestdeals,but

therearegoodsavingstobehad.

Save:£150per£1,000debt.

ReadMartin’sarticle:www.moneysavingexpert.com/bts

CUTYOURFUELSPENDBYATHIRD

SAVEhundredsonyourfuelbillbymakingyourcarmoreefficient.Thinkof

theacceleratorasamoneypedal.Bynotover-revvingandslowingnaturally

youcanslash£££sfromyourmotoringcosts.

Save:33percentofffuelbills.

ReadMartin’sarticle:www.moneysavingexpert.com/petrol

SEVERINSURANCECOSTS

CHOPyourcarinsurancecostsbyspeedilycomparingscoresofquotes.Don’t

think“it’snottimetorenewnow”—youcanstillditch,switchandsave.

Save:Upto50percentoffyourexistingpolicy

ReadMartin’sarticle:www.moneysavingexpert.com/carins

EATOUTFORHALFTHEPRICE

IFyou’reintheknowit’spossibletoneverpayfullpriceforamealout.Using

vouchersyoucanget‘2for1’ontonsofplaceslikeZizzi,PizzaExpressandGBK.

Save:50percentoffmealsout.

ReadMartin’sdailyupdateddealslist:www.moneysavingexpert.

com/restaurantdeals

CHEAPPACKAGEHOLIDAYS

HAGGLEhardtogetyourhandsonbargainholidayprices.Withtherighttechniques

andtiming,youcanlophundredsoffpackageholidays.

Save:£500-plus.

ReadMartin’sarticle:www.moneysavingexpert.com/holidayhaggle

INTHEGreen—HURRAH!Youearn

morethanyouspend.

Providingyou’vebeenhonestwith

yourself,youcanrelaxalittle—but

moneysavingdoesn’tstopthere.In

fact,it’sjustthebeginning.Payingless

forthingsmeansyouhavemoremoney

inyourpockettoenjoylifemore(and

possiblysavesomeforthefuturetoo!)

WatchoutforMartin’sweeklymoney

savingcolumnhereforplentymoretips

onhowtoslashthecostineveryarea

ofyourbudget.

ACHIEVEYOURDESIREDMONTHLYSPEND

NOWyou’veworkedoutwhatyouspendand

whereyoucansave,usePartCtomatchyour

spendingtowhatyouearnsoitbalances.Sim-

plyallocatethespendingasnecessarytomatch

upwhatyouplantospendwiththeamountof

moneyyouhavecomingin.Tohelpyou,I’ve

developedatechniquecalled‘piggybanking’.

Seethenextpageforfulldetailsonhowthis

works.

INTHERed—MISERY!Youspend

morethanyouearn.

Spendingmorethanyouearnmay

notseemlikeabigdeal,yetit’sa

potentialdisaster—andnotjustfinan-

cially.Atbestyou’llbeeatingawayat

yoursavings;atworst,you’llneedto

borrow.

ThistypeofborrowingistheWORST

asitmeansyoucan’taffordyourlife-

styleandsothere’snoplanningto

yourdebtandnoendinsight.

YourfinancesneedIMMEDIATEsur-

gery.Firstlookatwhereyoucanmake

pain-freesavings,cuttingbillswithout

cuttingback.Thenreworkyourbudget

toseeifyounowspendlessthanyou

earn.Ifnot,gobackAGAINandhunt

foroutgoingswhereyoucancutback.

KeepaneyeouthereforMartin’s

weeklymoneysavingcolumnstacked

withmoretipsonhowtosavemoney

onEVERYbitinyourbudget.

lGOTaquestion?Email

TVMoneyGuruMartin

Lewis—creatoroftheCon-

sumer

Revenge

website—atnotw@Money-

SavingExpert.com

+HAPPINESS

MONTHLYMAGIC

HACKHUNDREDSOFFYOURMORTGAGE

MAKEmonstersavingsonyourmortgage—theyaremucheasiertoachievethan

youmightthink.

Save:£100amonthforeachonepercentlowerrateper£100,000owed.

ReadMartin’sarticle:www.moneysavingexpert.com/mortgagebrokers.

lGotothewebsite

www.moneysavingex-

pert.com/banking/Budget-

planning

RESULTS

—MISERY

TAKEthemonthlytotalfromeachareaand

enteritintheboxbelow.Thentotupyour

monthlyspendstogiveyouyourfinalgrand

figure...

NEEDMORE

PLANNERS?

HERE’Showtocontrolyourcashin2009—withthe

aidofmyuniquebudgetplanner.Itwillguideyou

throughALLyourspending,helpingyoubetterman-

ageyourmoneyinthedifficultmonthsahead.

Onething,however—beforeyoustartmakesure

you’vereadthefullinstructionsontheprevious

page.Sonowlet’sgetstarted.

nFIRSTfillinyourearningsinPartAofthetableon

theright.Ifyou’reemployedoronbenefitsenter

yourearningsaftertax.Ifyou’reselfemployedadd

yourearningsbeforetaxbutmakesureyouenterthe

taxlaterintable13.Ifyou’repaidfour-weekly,divide

yourincomebyfourandenteritintotheweekly

column.

nTHENfillintheplanneraccordingtowhetheryour

spendisweekly,monthlyorannual.Thenworkout

whatthisaddsuptoonamonthlybasisandjotit

downinthemonthlytotalcolumninPartB.Leave

themonthlydesiredamountinPartCemptyforthe

moment.

nITEMSintheweeklycolumn—multiplytheamount

by4.33(theaveragenumberofweeksinamonth)

andsticktheanswerinthemonthlytotalcolumn.

nENTRIESinthemonthlycolumn—movetheanswer

straightintothemonthlytotalcolumn.

nSUMSintheyearlycolumn—dividetheamountby

12andwritetheanswerinthemonthlytotalcolumn.

nFILLinyourexpenditureintables1to13.