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2. If you feel that you deserve a hair-do, massage, manicure, foot massage,
etc., have you thought of trying your local college?
The student may take a little longer to complete the procedure, but
it will cost a fraction of the 'high street' charge. Also, it is worth bearing
in mind that in a few months' time that same student will be joining the
professional market and charging a 'high street' price.
3. When you feel in need of a new outfit,
before you visit the usual fashion chain stores, why not peruse the charity
shops en route?
You'll possibly pick up something that
is unique to you for the price equal to that of a coffee and sandwich.
Also many Charity Shops now have a 'designer rail' where well-made outfits
can be purchased at a fraction of the original price.
This time of the year is a particularly good time to visit Charity Shops,
as often the unwanted gifts make an appearance.
4. Have you visited your local Library
lately? 
If not, you'll be surprised how they have changed. Libraries are not
just about books. They provide DVDs, videos, CDs, language tapes, etc. So
instead of buying DVDs and CDs why not borrow them from the Library?
Also why not borrow an audio book or foreign language course and enjoy and
learn whilst carrying out mundane household tasks.
By the way, the internet
service is free at Libraries.
5.I have just taken out
RAC
Membership for a year and it has not cost me a penny, and last year I purchased
an item of furniture from MFI and 
that
also didn't cost me a penny. How, you may ask??? ….
Easy, just exchange the money vouchers issued
by Tesco in respect of their Club Card points. www.tesco.com/clubcard
As mentioned in a previous article - use their Visa card instead
of cheques or cash (for any purchases anywhere, not just at Tesco's) and
it's amazing how quickly the points accrue. HOWEVER, I MUST EMPHASISE, ONCE
AGAIN, THAT IT IS IMPORTANT THAT THE COMPLETE VISA BALANCE IS CLEARED
EACH MONTH, AND TO THIS END IT IS ADVISABLE TO SET UP THE DIRECT DEBIT
METHOD WITH YOUR BANK YOU WILL CERTAINLY
NOT SAVE MONEY IF YOU PAY ONLY THE MINIMUM BALANCE REQUESTED ON YOUR MONTHLY
STATEMENT. THAT IS THE WAY THAT THE YOUNG GET INTO DEBT, AND WE KNOW BETTER
DON'T WE? When we use a Visa card we must remember to
use it for things we would NORMALLY BUY and treat it as though we were using
cash.
And talking of Tesco's
or any other major supermarket for that matter . . .
6. Have you thought about
ordering your groceries on the internet and enjoying the luxury of having
them delivered to your door at a time convenient to you?
If there is a charge for delivery, it will probably be outweighed by the
amount of money we have saved through not 'impulse buying'. Isn't it amazing
how we go into the supermarket in order to get a few essentials and stagger
out with a trolley overflowing with bargains?? It is worth remembering when
we are strolling around the supermarket that every aisle and every item
has been strategically placed to increase sales.
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