The internet has many applications but saving money on every day services and purchases is one we can all use to our advantage.
We have product information at our fingertips and we can compare prices from different suppliers in just a few minutes. This means the market for many things from electrical appliances to holidays is increasingly competitive. Delivery costs are usually reasonable and you avoid hours spent on the phone or in shopping centres.
For occasions like Christmas or birthdays we are all likely to be out shopping for presents. Both large and small purchases can be cheaper if ordered online. Electrical appliances are one obvious example. Of course you may wish to browse in a show room for ideas but retailers often have further models and information on their websites. If you know what you want then use the internet to find a supplier. However, remember the cheapest offer may not necessarily be the most reliable service so make sure you get the balance right. You could also look for bargains on ebay and even sell items of your own.
Renewing your car or household insurance is essential and it is tempting just to continue with the same company. However you could well save money by shopping around. With the help of dedicated websites this does not need to be a time consuming process. Simply enter your details online to receive quotes from different sources. Finding a personal loan or mortgage is a similar procedure. You can use loan calculators, a comparison service or a broker online to help you work out the best value deal for your particular situation. Rather than going into your bank and letting them sell to you, you are more likely to find cheaper loans by doing some research on the internet.
Rising energy prices have caused a significant increase in fuel bills recently. However, many people could be paying more than necessary for their gas and electricity. You can use the internet to compare prices and switch supplier. prices are changing all the time, so mark your diary and review your situation every few months.
Broadband users can route telephone calls through the internet using a voice over internet protocol. Skype is one of the most popular systems for this purpose and although many telephone providers are offering voip services, they are already available for free so there's no need to pay any extra.
If you are planning a holiday then why not book your accommodation direct with the owner through their website? This will be considerably cheaper than using an agent. You can also find the best value flights, travel insurance and last minute deals on the internet.
Anthony Dean provides hints, tips and advice on a wide range of money-saving subjects. His latest initiative on cheap loans and personal finance can be found at http://www.niceloans.co.uk