Save money and beat the cost of living crisis
SAVE ON CAR INSURANCE
When you compare, you could save time and money. It’s easy to compare prices for Car Insurance or Home Insurance to see if you could get a better deal and beat the price hikes.
“Compare 120 Car insurers to see if you can beat your renewal”
Eman – Founder OnestopSave
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Drivers – Save on Motor Insurance
Leading brands are overpriced: Sky news reported that “Direct Line overcharged their customers £30m”.
Car insurance prices have risen by 58% over the previous year, we have 120 providers so compare quotes to see if you could get a better deal.
Renters – Save on Contents Insurance
If you’re renting like many people, your possessions in a rented property are not covered by the landlord’s insurance in the event of theft. Make sure your belongings are covered.
Compare insurers to see if could save money on your Home Contents Insurance.
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Cyclists – Save on Bicycle Insurance
Bicycles have increased in value making them a target for thieves. Make sure your bicycle is protected this summer by insuring it.
Compare insurers to get the best deal on Bicycle Insurance.
Find the right Credit card
Compare credit cards and find the card that’s right for you – here are some of the options available:
0% Balance transfer credit cards – If you have a balance to transfer, look for the best deals on these cards. The longer the interest free period, the more money you can save.
0% Purchase credit cards – If you plan to make purchases and want to pay off over a longer period, look for 0% purchase deals, so even if you pay off nothing you will not pay any interest for a set time period (usually 6 months)
Check out our guide on choosing the right credit card.
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Consider a Personal Loan?
A loan can spread repayments over a longer period, making bigger purchases that bit more affordable.
When you compare loans online, providers may do a soft credit check (which doesn’t affect your credit score) so that your search results show the loans that you will more likely be accepted for when you apply for them.
Check out our essential guide to getting a loan.
More Save Money Tips
You could save time and money by comparing insurance providers
Spend less, Save more
We live in a society that makes us spend more not spend less. It may be those trainers or dress we see on instagram. Everyone is telling us to “Buy now, pay later”. Sometimes it’s better to spend less and save more of your hard earned cash.
“Spend less and save more of your hard earned cash”
Eman – Founder OnestopSave
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Spend less
Spend less and you will save more money – it works. So how can you do it? It helps if you have a budget and know how much free cash you really have to spend. Then when you spend, you’ll be doing it guilt free knowing it’s in your budget.
Spend less, save more – if you’ve cut back on spending, tuck away some of your spare cash in a pot in an app like Revolut – you can move it back to your current account in seconds if you need it.
Cooling off
Purchases can fall into two groups – needs and wants. Often we have to spend on things we need and of course look for a bargain, like a winter coat in the sales. It’s the second group we have a problem with, the wants. I want the latest iphone or trainers but I don’t really need them. This is hard because the want stuff plays on your mind. Try a cooling off period – leave the store or come out of the online shop and give yourself time to cool on it – then next week if it’s still something you want then consider buying it.
Save now buy later
On social media there’s a lot of pressure to buy gear using ‘buy now pay later’. It’s better to work out how much you need to buy something, then save a bit towards it each month. If you go crazy with BNPL, not only will you spend more you’ll be stacking up a problem that will hit you in a few months time.
We’re not fans of BNPL as too often we’ve seen shop assistants trading people up to spend more saying its ok as “Klarna will cover it” – they won’t, it’s you who will be covering it and paying it off for many months to come.
Store reward cards?
Sometimes you can get deals or rewards with store credit cards. Just beware they don’t get you into spending more to save very little!
We’re not talking loyalty cards though, when you’re rewarded for buying essentials like food with points on your Tesco clubcard, then saving money is clearcut – you should 100% use it.
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0% purchase cards?
There are credit cards offering 0% interest on purchases – these may be a better options for planned purchases and offer you a longer period of credit than BNPL.
It’s why credit cards used to be called “your flexible friend” as they offer some flexibility on payment with an interest free period.
For the latest 0% purchase offers on credit cards you can look on price comparison websites.
Car Finance
There are many ways to finance a car purchase. You need to know about each one and whether its right for you or it will cost you more money in interest repayments. Let’s explore your car finance options.
“Compare a Car Loan see if you can to beat the dealer – it could save you money”
Eman – Founder OnestopSave
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Beat the Dealer?
When you’re buying your next car you pay lots of attention to the car itself but do you look at the car finance agreement? When you’ve chosen the car the dealer quickly moves to sell you on their car finance and most of us take the easy way out and sign up – more commission for them, but it could be a lot more interest and higher repayments for us.
Don’t sign before comparing what’s on offer with a Car Loan to see if you can beat the dealer – often its a cheaper way to finance a car and could save you thousands over the loan period.
Car buying options
Cars are one of the most popular reason people borrow money. We’ve broken down how a Personal loan or Hire Purchase agreement works, to finance your car and own it at the end:
Personal Car Loan
Step 1: Purchase car with loan
Step 2: Pay monthly for few years
Step 3: Payments end – own the car
Hire Purchase (HP)
Step 1: Pay a deposit – 10% car’s value
Step 2: Pay monthly – 12-60 months
Step 3: Contract ends – own the car
PCP made simple
Personal contract purchase or PCP may be for you, if you plan to exchange cars for the latest models every few years.
You’ll pay less monthly versus loans, with more options at the end of the contract
Personal Purchase Contract (PCP)
Step 1: Pay a deposit
Step 2: Pay monthly – 12-60 months
Step 3: Options- end of contract
Own the car – pay balloon payment
Exchange the car – start new deal
Return the car – nothing to pay
More about Car Finance
You could save money by comparing car finance deals vs the dealer
CREDIT CARDS
Compare Credit Cards
Compare Credit Cards to find the right card for you.
Representative 26.5% APR (variable)
PERSONAL LOANS
Compare Personal Loans
Compare Personal Loans to find the right loan for you.
Representative 26.9% APR
OnestopSaving.com Limited (trading as OnestopSave) is acting as a credit broker , not a lender and is an Introducer Appointed Representative of Creditec Limited and is entered on financial register under reference number: 1006061
Creditec Limited a credit broker not a lender is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 971164
OnestopSaving.com Limited will introduce you to Creditec Limited to provide you with an information-only comparison service for loan and credit cards from a range of providers. Creditec is acting as a credit broker, not a lender and will not charge you a fee for using their services.
OnestopSaving.com Limited will receive a commission from Creditec Limited if you subsequently purchase a credit product through Creditec’s service as a broker. More information about this commission can be provided on request.
OnestopSaving.com Limited, Registered in England and Wales (Company number 14862511), Registered Office; OnestopSaving.com Limited 30 Crescent, Richmond, England, TW9 3NS, Licenced by the Information Commissioners Office, (registration number: ZB640974).