First day of Christmas
On the first day of Christmas moneysupermarket gave to me an easy way to save time and money.
Second day of Christmas
On the second day of Christmas moneysupermarket gave to me two enhanced insurance channels - motor and home - and an easy way to save time and money.
Third day of Christmas
On the third day of Christmas moneysupermarket gave to me three improved money channels - credit cards, savings and loans - two enhanced insurance channels and an easy way to save time and money.
Fourth day of Christmas
On the fourth day of Christmas moneysupermarket gave to me four reasons to go on holiday - cheap flights, hotel offers, great value packages and top deals - three improved money channels, two enhanced insurance channels and an easy way to save time and money.
Fifth day of Christmas
On the fifth day of Christmas moneysupermarket gave to me five golden rules:
- review your financial products at least once a year to see if you can get better deals elsewhere;
- use your annual Isa allowance;
- check you're in the right tax band;
- don't live beyond your means;
- close accounts you no longer use.
... four reasons to go on holiday, three improved money channels, two enhanced insurance channels and an easy way to save time and money.
Sixth day of Christmas
On the sixth day of Christmas moneysupermarket gave to me six customer promises:
- best price;
- most comprehensive;
- clear;
- impartial;
- trustworthy;
- supportive;
... five golden rules. Four reasons to go on holiday, three improved money channels, two enhanced insurance channels and an easy way to save time and money.
Seventh day of Christmas
On the seventh day of Christmas moneysupermarket gave to me advice on how to avoid seven financial sins:
- don't renew with the same insurer - shop around, you'll probably get a better deal elsewhere;
- save energy and cut your fuel bills;
- pay bills by direct debit - you avoid late payment fees and protect your credit score;
- spread your savings - don't have more than £50,000 with a single institution;
- always repay more than the minimum on credit card debts;
- avoid using a credit card to withdraw cash from an ATM;
- don't buy travel money at the airport;
... six customer promises; five golden rules. Four reasons to go on holiday; three improved money channels; two enhanced insurance channels and an easy way to save time and money.
Eighth day of Christmas
On the eighth day of Christmas moneysupermarket gave to me eight ways to shop safely online:
- ensure your firewalls and anti-virus protection are up-to-date;
- stick to well known names;
- only use secure websites (look for a padlock symbol in the bottom corners of the browser window and check that the web address begins with 'https://');
- don't use the same password on every website you use;
- pay with a credit card - under the terms of the Consumer Credit Act 1974, the credit card company and retailer are jointly liable for purchases between £100 and £30,000;
- retain proof of purchases and check them against your bank and credit card statements;
- avoid leaving a trail - don't save credit card details online or save passwords on to your desktops;
- watch out for 'phishing' emails - your bank or credit card provider will never ask you to disclose your account details or password via email. If you receive such a request it will be from a fraudster.
... advice on how to avoid seven financial sins; six customer promises; five golden rules. Four reasons to go on holiday; three improved money channels; two enhanced insurance channels and an easy way to save time and money.
Ninth day of Christmas
On the ninth day of Christmas moneysupermarket gave to me nine simple energy-saving measures:
put your heating on timer. Even over the Christmas period when you might be at home, don't be tempted to leave your heating on constantly. If you get cold, put an extra jumper on;
- turn your heating down by 1°C;
- have a shower rather than a bath;
- do your washing at 30°C;
- use energy efficient light bulbs and turn lights off when you leave the room (assuming no one else is in there);
- don't leave electrical appliances on standby - turn them off properly when they're not in use;
- boil less water - unless your making tea or coffee for the entire family, there's no need to fill the kettle;
- buy economical appliances. If you need a new washing machine, fridge or freezer, look for products that are A-rated;
- lag your water tank - a lagging jacket only costs around £15 but the heat it conserves could knock £30 a year off your bill.
... eight ways to shop safely online; advice on how to avoid seven financial sins; six customer promises; five golden rules. Four reasons to go on holiday; three improved money channels; two enhanced insurance channels and an easy way to save time and money.
Tenth day of Christmas
On the tenth day of Christmas moneysupermarket gave to me 10 top tips.
nine simple energy saving measures; eight ways to shop safely online; advice to avoid seven financial sins, six customer promises; five golden rules. Four reasons to go on holiday; three improved money channels; two enhanced insurance channels and an easy way to save time and money.
Eleventh day of Christmas
On the eleventh day of Christmas moneysupermarket gave to me 11 reasons to join its community:
Share your best and worst bits of 2008 and your hopes for 2009 in our community forum...
... 10 top tips; nine simple energy saving measures; eight ways to shop safely online; advice to avoid seven financial sins; six customer promises; five golden rules. Four reasons to go on holiday; three improved money channels; two enhanced insurance channels and an easy way to save time and money.
Twelfth day of Christmas
On the twelfth day of Christmas moneysupermarket gave to me, help and advice from 12 financial experts (as seen on TV!):
Stuart Glendinning, MD of money
Kevin Mountford, head of banking
Louise Cuming, head of mortgage services
Tim Moss, head of loans and debt
Paul Wilson, debt expert
Peter Harrison, credit card expert
Andy Leadbetter, MD of insurance
Scott Byrom, utilities expert
Rob Barnes, head of general insurance and home services
James Parker, broadband and mobiles expert
Graham Donoghue, MD of travel
Bob Atkinson, travel expert
... 11 reasons to join its community; 10 top tips; nine simple energy saving measures; eight ways to shop safely online; advice to avoid seven financial sins; six customer promises; five golden rules. Four reasons to go on holiday; three improved money channels; two enhanced insurance channels and an easy way to save time and money.
Wishing you a very merry Christmas and all the best for 2009 from everyone at moneysupermarket.com.
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