Saving 6: Boys of Tommen #3

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Anyone who lives alone, or with people who are ‘disregarded’ for council tax purposes, can get a 25% discount on their council tax bill. The days of a pen-and-paper budgeting book are long gone, thanks to the large number of mobile phone apps that’ll help you fix your finances. Experts do not expect any more accounts paying an interest rate of 6 per cent or over for the fixed-rate market to appear.

He says: 'I think the days of 6 per cent fixed-rate savings accounts will be gone within the next seven to 10 days. How does your pension compare to the average saver's pot - and will you get the retirement you want? As top accounts disappear, is this the last chance to bag a one year fixed-rate savings deal paying more than 6%? As long as you know you’re going to use them before they go off, you can make big savings by buying discounted products that are near the end of their life cycle. When you arrive at your dinner destination, you'll simply need to remind your server that you booked through a special deal online. 24. Sign up for chain restaurant discountsThe base rate is the interest rate the Bank of England pays to commercial banks on the money they hold with them, so this affects how much they can pay you on your savings and how much they charge people to borrow money. The base rate is changed as a way of controlling inflation to meet the government’s target of 2%.

Buying supermarket basic and budget ranges can produce significant savings – and you may find that avoiding big brands doesn't mean compromising on taste. Can a smart meter really help Britain stop relying on imported gas to heat our homes? Our writers probe key claim We all know washing clothes at a lower temperature is good for the planet, but it’s also good for our wallets. Find out more: how to get the best mobile phone deal – would you be better off on contract or pay-as-you-go?

Easy Access ISA (Online) (5)

Inspop.com Ltd for the introduction of non-investment motor, home, travel and pet insurance products (FRN 610689). Inspop.com Ltd is authorised and regulated by the Financial Conduct Authority (FCA) to provide advice and arrange non-investment motor, home, travel and pet insurance products (FRN310635) and is registered in England and Wales to Greyfriars House, Greyfriars Road, Cardiff, South Wales, CF10 3AL, company number 03857130. Confused.com is a trading name of Inspop.com Ltd. If there are more increases to come, you might be better off waiting a while before you commit to a fixed interest rate as you could end up earning less than if you’d put your money somewhere else. However, at the start of the term at least, you’ll be earning more than you would from an account that gives you easier access to your money, which will make up for when - or if – this difference narrows or even disappears. The issues we uncovered with unit pricing are worrying as we found you could pay up to 346% more by going for different sizes of exactly the same product.

Now just two savings providers are offering a one-year fixed-rate account paying more than 6 per cent. Which? Limited is registered in England and Wales to 2 Marylebone Road, London NW1 4DF, company number 00677665 and is an Introducer Appointed Representative of the following: As a rule of thumb, fixed-rate bonds can be convenient if you have a fairly big chunk of money to deposit in them. If you don’t, they’re probably not worth the risk. You can buy needles, thread and spare buttons for a fraction of the price of a new shirt. Many garments come with spare buttons anyway, so you may as well put them to good use. 49. Save on prescriptions

Junior Cash ISA (2)

Clothes and beauty products can be pricey. Here are five tips on how to save. 46. Recycle old clothes Coventry Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (firm reference number 150892). Coventry Building Society. Principal Office: Coventry House, Harry Weston Road, Binley, Coventry, West Midlands CV3 2TQ. However, the independent This is Money savings tables are littered with banks that aren't exactly household names.

Chloe Walsh is a genius when it comes to creating characters and writing, making you feel every emotion ‘While the loss of access to funds is generally seen as the price you pay for a better rate, it could also be seen as an advantage – if you’re tempted to dip into your savings and splurge on something, for example, you simply won’t be able to. How to choose the best fixed-rate bonds Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions If you regularly dip into your overdraft, you could be charged up to 39.9% EAR (effective annual rate) for going overdrawn. The next-best rate for a two-year account is 5.9% AER, offered by Cynergy Bank, Loughborough Building Society, Market Harborough Building Society, Secure Trust Bank and United Trust Bank. Three-year fixed-rate savings accounts