2.12.2013

How Can Technology Help with Household Costs?

Hi everyone! I've been busy, and I have this super long memo due tonight at midnight...finished all the research but now I have 12 pages of writing to do. I was also up until 2am applying to summer internships. Now I'm up early reading for property...oh the joys of being a student again! Anyway, please enjoy this sponsored post about how technology can help with household costs, definitely useful with all of the options we have out there. Hope you are all having a great week! :)

Household technology has come on such a long way over recent years to the point where people can carry out all manner of tasks from their laptop, tablet or smartphone. 


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However, far from these devices simply being a medium for listening, watching or reading various forms of media, they also have the ability to save people a good deal of money each month.

There are countless tools, programmes and apps that can help curb your spending, allowing you to make significant inroads when it comes to a debt payment plan.

Obviously technology can't solve all your financial problems but it can lend a helping hand. Below are a number of tips on how to use various forms of technology to cut your expenditure each month.

Price comparison sites

Price comparison sites are invaluable when it comes to getting the best value for money in a wide range of areas.

If you are looking for essential products that can cost a good deal of money such as insurance then these sites should most definitely be bookmarked.
With firms such as MoneySupmarket and Confused.com, you can input your specific details and what you require. Then simply press enter and the website will come up with a list of quotes, from which you can select the one for you.
Just don't be complacent in thinking that the cheapest product is necessarily the best.

It's about ensuring you get everything you require for the best price; doing this can help alleviate the pressures of balancing the books.

Budgeting

In the old days, household budgeting would be done in a big notepad with pen and paper.

While for the traditionalists that still remains the best way, times have moved on and it's no longer ideal for keeping tabs on what you bring in and spend each month.

Instead, people are much better off using programmes on their laptop or computer such as Excel. Not only do these provide more flexibility in terms of alterations and changes, but the documents can also be backed up.
Hence, should you see a rise or fall in any form of income or expenditure, you are able to quickly alter it, giving you a much more accurate view of your finances.

From this clearer picture, you are then able to see what your biggest expenses are and where you could do with boosting your income.

Saving energy

Energy is one of the biggest drains on household finances, not helped by the recent price hikes by many of the major providers.

One of the best ways to cut the amount you spend on fuel and gas is by, firstly, ensuring you are on the cheapest tariff, but also be making sure you don't waste energy.

There are apps available that can turn off lights and other appliances when they are left idle, meaning you don't waste energy and run up higher bills than you need to.

Primarily, this should be used as a last resort for when you forget to turn appliances off, as you should always ensure you are savvy when it comes not leaving things turned on unnecessarily.

However, it's a handy tool for when it slips your mind and it can save you a good deal of money too.

Advice and research

Finally, surfing your tablets, smartphones and laptops can provide you with a vast amount of information when it comes to financial issues and saving money.

As well as obtaining debt advice from a company such as debtfreedirect.co.uk, the information superhighway is your one-stop shop for all sorts of facts, figures and guidance on improving your domestic finances.

The idea of taking on advice to reduce the chances of debt has rarely been more relevant, with a recent Office for National Statistics survey revealing the true extent to which people have struggled with debt during the recession.
It found that between 2008 and 2010, arguably the worst period of the recent downturn, the average household owed £3,200 on credit cards, overdrafts or loans.

What's more, Howard Archer, the chief economist at IHS Global Insight, told the Guardian it is likely to have gotten worse for many people since 2010.
"It seems reasonable to suspect that household debt has risen further since 2008-10, with people's purchasing power being squeezed by extended weak income growth and elevated inflation," he concluded.

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