A Happy New Year to you all!

The start of a new year is a great time to take stock and maybe even save some money.

Everyone is feeling the pinch, with rocketing fuel costs and overall increases in the cost of living.

So, taking a look at your monthly outgoings is more sensible now than ever.

There’s plenty of advice out there about tackling your gas and electricity bills and getting help.

But what about your other bills?

Can you, for example, get a better deal on your telephone bill or your television subscriptions?

I’m telling my clients to check their insurance documents to see when their policies are up for annual renewal. Insurance cover and your personal needs are changing all the time so its worth a check to make sure you are still getting the best deal. I can help you work through your insurance to ensure you are still on the right policy. Remember, sometimes the cost of insurance can go down instead of up, so you might be able to save some money on a new policy.

It is also worth looking at your mortgage. You might be about to or have already come to the end of a fixed-rate deal and have moved on to your lender’s standard variable rate. These rates are often above what you might get by fixing your mortgage rate for, say, two or five years. Rates have risen during the past couple of months so its important you are on the lowest rate you can be. With uncertainty in the market, it is almost certainly worth thinking about fixing your mortgage rate to ride out the storm.

As the famous supermarket chain says, ‘every little helps’ and if you can chip a few pounds away from any of your monthly bills, it has to be worth doing.

For a free, no-obligation discussion on any mortgage or insurance-related issue, please give me a call on 01723 384558 or 07767 692 653 or email me at mgrayshan@googlemail.com