Most people are able to manage their money to some degree but there are lots of ways of saving money or spending more wisely so that our money goes further.
One Money is a dedicated team within One Manchester that can help you get the most out of your money. On these pages we will explore the different ways of managing your money more effectively.
We have two really useful booklets to help you look at your spending and see if you can make any savings using helpful hints and tips. Once you have looked at your spending using our Budget Buster & Spending Diary will help you put your personal budget together.You can also use this online budgeting tool to look at your spending.
For some people it is helpful to change their bank account especially if the bank account is not working for them and they are regularly getting charged overdraft fees. Find out about other options such as a basic bank account or a Credit Union account that might suit your needs better.
Insurance cover is an expense that most people feel they cannot afford but we urge people to build this into their budget. It is often unexpected expenses such as replacing stolen items that gets people into debt, often turning to high interest lenders or expensive credit to replace them. We have a low cost option that we have arranged with Royal Sun Alliance which suits all needs which you can read about here.
We know the cost of gas and electric keeps rising so it is always worth looking at switching your provider to get the best deal for you. We have teamed up with Auriga switching service to offer you an easy way to save money on your bills. Find out more.
Water bills can also be a problem for some people and some are actually paying more than they need to. United Utilities have several schemes to help save on their bills. From water meters to assessed charges, help to pay schemes and the new support tariff you will find everything you need to know here.
Credit Unions are a great place to start saving and they also offer low cost loans should you need one. There are two credit unions in Manchester – Manchester Credit Union and South Manchester Credit Union. They both offer savings, loans and their engage account which is a great alternative to some high street bank accounts. Find out more here
If you would like to speak to one of our helpful team and get your Financial Health Check please give us a call. We can talk you through all the information outlined here and help you to set up your own budget to get the most out of your money.
So don’t delay, call us today – 0330 355 1000