12 Tips to Help You Survive The Credit Crunch

Save Energy, Money and the Planet.

By making the smallest of the changes, we can make a big difference in helping reduce carbon dioxide emissions – one of the main greenhouse gases thought to contribute to climate change.

Home improvement measures such as insulting your loft, filling gaps between your floor boards and putting a jacket on your hot water tank can cut your fuel bills.
In the office, small measure like switching off lights after work, switching off your monitors and using your desktop printers less all help to make a difference.

Cut the cost of travel.
There has never been a better time to consider ditching you car in favour of public transport. The increasing cost of car ownership is a great reason to switch to public transport, cycling or walking.

Cut your cost of Living.
If you are feeling a strain with your finances, here are a few tips to help you trim your budget during the Credit Crunch (recession).
Give your finances a health check; review your direct debits, spending patterns and subscriptions. Cancel the non-essential direct debits, such as gym membership. You can always rejoin when your finances are in better shape. If you are experiencing Debt problems, you can get help from centres like Consumer Credit Counselling Services (CCCS) or Citizen’s Advice Bureau (http://www.citizensadvice.org.uk/ or http://www.adviceguide.org.uk/)
Reduce your energy bills. Don’t leave appliances on standby, lower the thermostat and see if you can switch to cheaper utility suppliers, but check the terms of your contracts first. Various organisations offer help with switching energy suppliers, visit http://www.consumerdirect.gov.uk/
Check and find out if you are missing out on any entitlements or government grants such as family tax credits or grants to insulate your home. Visit http://www.direct.gov.uk/ or www.energysavingtrust.org.uk
For a week or two, write down every expenditure you make. You will be surprised how much cash you are wasting on coffee, chocolate bars and snacks.
Also, resist the temptation of buying on impulse at the corner shop. Instead, plan and write down your shopping and go to the supermarket once in a week. Learn to use your freezer and fridge.
Before making any major purchase, check for the cheapest prices online on sites such http://www.gocompare.com/ or http://www.moneysupermarket.com/.
Sell your old books and any unwanted items in the house online on sites like http://www.ebay.co.uk/ or at your local car boot sale.
Start making your own packed lunch rather than buying a shop-prepared sandwich or kebab. You can easily save more than £60 a month.
If however, your finances are in such terrible situation, you may consider sacrificing the satellite or cable TV until when you are back on your feet.
Above all, set a budget and stick to it and ensure your wages last you beyond pay day.
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If you have been laid off due to the credit crunch or you are just looking for a job, http://www.uklocalcounciljobs.co.uk/ can help you get back to work soon. With hundreds of different job opportunities on http://www.uklocalcounciljobs.co.uk/, you will definitely find a vacancy that’s suitable for you.
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GOOD LUCK