Tweet us your best money saving tips to win a copy of Spare Change by Iona Bain
To be in with a shot of winning a copy, tweet us @moneywiseonline with your best money saving tips, using the hashtag #sparechange, by the end of May.
The top ideas will all feature in the next edition of Moneywise, and the top five ideas will win a copy of the book.
Here are some of our tips to get you started:
“Know what you take home for every hour you work. And use that to decide if purchases are worthwhile” – Moira
“Check if you can get cashback before you buy anything – utilities, flights, anything!” Helen
“Before you make a big purchase, wait a week and see how you feel.” – Gary
“Even if you’ve got the cash, it can pay to use a credit card for the protections as well as the rewards. But make sure you pay it off.” – Mark
“Don’t go shopping on an empty stomach.” – Tom
About the book:
Spare Change, by financial journalist and blogger Iona Bain, aims to help anyone have a more fulfilling approach to money, regardless of personality background or income.
Full of tips of how to take control and get the most out of their finances, there is practical advice on how to save, and tips to make your money go further.
Iona Bain is a consumer and financial journalist who launched the Young Money Blog in 2011. She has written for the Daily Mail, Telegraph, Sunday Times, Independent and The Times, to name a few. She is a regular contributor to The Herald and Mirror Money. She has also appeared on BBC Radio, BBC Scotland, Channel 4 News, the Max Keiser Report and local radio.
Terms and Conditions
The competition is only open to residents of the United Kingdom / Great Britain, who are 18+ at the time of entry.
By entering, participants give consent for their messages and Twitter names to feature in Moneywise magazine, or at Moneywise.co.uk.
For people entering via Twitter, only messages which include ‘#sparechange’, and are directed @moneywiseonline will be considered for the competition.
Entries submitted after 30 May 2016 will be ineligible for the book giveaway.
Obscene or inappropriate entries will not be accepted and Moneywise reserves the right to reject any entries for any reason at its sole discretion.
Moneywise retains absolute discretion regarding competition winners, and no further correspondence will be entered into. No cash alternative is available.
There’s no limit to the number of times you can enter, though only one prize can be won per person.
Ten of the best entries will receive a copy of “Spare Change”, by Iona Bain, published by Hardie Grant Books
Used by the holder to buy goods and services, credit cards also have a monthly or annual spending limit, which may be raised or lowered depending on the creditworthiness of the cardholder. But unlike charge cards, borrowers aren’t forced to pay the balance off in full every month and, as long as they make a stated minimum payment, can carry a balance from one month to the next, generating compound interest. As the issuing company is effectively giving you a short-term loan, most credit cards have variable and relatively high interest rates. Allowing the interest to compound for too long may result in dire financial straits.