Avoiding Extra Charges On Overseas Transactions

One of the cheapest – and most easily controlled – ways to access foreign currency is with a prepaid currency card. These are loaded with cash before you go and there is no credit or overdraft facility, so it’s easier to budget.

Foreign exchange companies such as FairFX, Travelex and CaxtonFX provide the cards, as do the AA, Virgin Money, the Co-operative Bank and the Post Office. There are also specialist providers such as My Travel Cash and Escape Travel Money.

Although you can get more specialist currency cards, the majority are in either euros, US dollars or pounds sterling – designed to be used anywhere.

The cards have a MasterCard symbol on them and are accepted anywhere that credit cards are, either by swiping – normally fee free – or by withdrawing money from a hole in the wall for a much smaller charge than on a normal credit or debit card.

Great Ideas For Saving Money

There are a lot of people who, because of the unpredictable economy and increasing cost of living, are looking for methods that they can use to help them save money. In order to truly do this, however, you need to make a real effort to change your habits and stop living beyond your means. The following methods of saving money can be really helpful for you to get started.

If you eat lunch out most of the time, you can save a surprising amount of money by making your own and bringing it to work. Even the ingredients for sandwiches every day or making a little bit extra at dinner to be taken in at lunch will cost less than what you would spend buying lunch at a restaurant every day. Healthy eating is easier as well when you make your own lunches since most take out has extra calories and lots of fat and salt. If your schedule is tight, eating out will make that problem worse. Making lunch is an easy way to save money and as time goes on the savings can be quite substantial.

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DO work out a repayment budget

By taking out a fast payday loan you are not only eating into your next pay packet by paying the loan amount back, but also the lender’s interest. Before you take out the loan you should ensure that you budget accordingly for the following month to ensure you can meet all your obligations. Keep receipts, work out how much you spend per month and plan to reduce it appropriately.