Article03.htmlMany people in the UK, in fact as many as one in three UK taxpayers have paid too much tax!
A new `No Win No Fee` tax refund service has just been launched by Greer & Taylor LLP on a dedicated new website
The Taxation People which can be found at www.thetaxationpeople.com where you can find out all the infomation need before making the decision to apply for a tax refund.
The Taxation People offer a cost effective `No Win No Fee` online service, with a simple and easy to follow process they will guide every step of the way as you apply for a the refund.
I would urge you to check out www.thetaxationpeople.com, where you can enlist the help of the
The Taxation People who will get you the Tax Refund you are entitled to.
The Taxation People are a trading name of Greer & Taylor LLP a respected and trusted accountancy service provider who is moving to provide a number of online services. Initially they are only offering the Tax Refund service that can be found at www.thetaxationpeople.com, but Greer & Taylor LLP are about to lauch a cost effective Self Assesment Service, keep an eye on www.greer-taylor.com for more information.
Homeowner LoansAnother bill has just landed through the letterbox and your still haven`t paid the monthly direct debt to the utility firm. You`ll have to sort out funds for your credit cards next week and then there are the catalogue payments to make. It`s the same story each and every month where you struggle to keep on top of your regular payments. Having taken out dribs and drabs of loads over the last few years you now have to pay a number of companies back. What if you could amalgamate all of your loans into one fixed monthly payment? Suppose you could reduce the amount that you pay each month by spreading the payments over a longer period of time. Look into the various
Homeowner Loansthat are available at the moment and you could end up paying less in repayments each and every month. Price comparison sites are the places to look if you want one of the
Homeowner Loans. They`ll scour the marketplace searching for
Homeowner Loansthat will suit your individual needs. Combine all of your debts into one slightly larger loan amount and you should have more money each month that can be put away for a rainy day.
Create some good financial habits by taking a look at where you are now. Where do you want to be? Follow these tips to help you get there.
· Keep a money diary for a week. If you don?t know where you spend your money, you can?t start making changes. Carry a notebook with you and write down every single penny you spend as soon as you spend it, every day for a week ? every bill, standing order, newspaper, snack, bus fare, coffee ? At the end of the week look at where it all went. Can you see any areas where you could make changes?
· What is your minimum survival income? How much do you need to pay for the basics like mortgage, rent, insurance, bills, food and car each month? Aim to save at least three times your monthly survival income with easy access in case of emergency.
· Your monthly expenditure. Work out what you spend monthly on everything else: meals out, entertaining, clothes, holidays, presents, credit card repayments etc. etc. Including the basics, compare your total outgoings with your income. Where?s the fit? Are you overspending?
· What are any debts costing you each month? How much do you pay in interest? What would you rather be spending that money on? If you can create some spare income each month can you put it towards ?busting? some of your debt. Contact me for a specific debt-busting exercise.
· Save 10% of your income. As a minimum put aside at least 10% of your monthly salary. You never know when you might need it. Place it somewhere with easy access, preferably earning interest ? not under the mattress!
· Search around for the best deals. How often do you check out the best deals available for insurance, mortgage, fuel, credit cards? I?ve just saved myself almost £200 on my car insurance renewal. Check out all the brokers and online insurance companies for the best quote. Use cost comparison sites such as www.kelkoo.com or www.dealtime.com. You can also save money by switching to a different energy supplier via sites such as www.uswitch.com
· Talk to a Financial Advisor. While you can learn a certain amount from newspapers, magazines and the Internet, it?s always worth discussing your financial requirements with a good IFA. Your bank may be a place to start ? they may not be independent but will be able to advise you on your financial needs for your situation depending on age, family, income and future plans. The sooner you start the better off you?ll be.
