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Financial Debt

Saving Tips

SAVING TIPS are always an attention grabber because we all need to save where we can! We’ve compiled a list of money saving tips for you to use. Life has become increasingly expensive, and we’ve done some research and come up with a few ways to save a bit of cash each month.

Electricity Saving Tips:

Geyser: Geysers add up to 40 percent of the monthly electricity bill. The easiest way to keep these costs down is to switch off your geyser when you leave the house. You could also install a geyser blanket – either purchase one or make your own from ”think pink” material. It’s a good plan to isolate the first metre of your existing hot water pipe as well. By switching off your geyser you can save huge amounts of money usually spent on electricity.
Lightbulbs: Lighting comprises up to 10 percent of an electricity bill, so by switching to energy-saving light bulbs and turning off lights in unoccupied rooms.
Fans: Summer time can become extremely hot and the use of fans can become expensive. If you have security doors and burglary bars, rather open the windows and doors to get the air flowing through the room. Unplug appliances: Even when they’re turned off, appliances and electronics on standby draw electricity that can amount to between 10% and 20% of your electricity bill.
Stove: The stove is one of the heaviest users of electricity. When cooking match pots and pans to plates of equal size. A small pot on a large plate means the heat around the pot is wasted.
Kettle: Every time you boil an overfilled kettle you waste unnecessary energy. Rather boil the kettle once and keep the water hot in a flask.

Saving Tips = Planning!

Plan your meals: Work out your Menu before going shopping. Using this saving tips will help you purchase only what you need each week. You’ll also avoid grabbing a takeaway on nights when you’re unsure what to cook. And if you’re shopping for food items make a grocery list and stick to it!
Ditch the pricey brands of food: Consider buying generic items rather than branded ones. They’re probably made in the same factory, have the same ingredients, and do the same job!
Household cleaners: We need to do a Post on what to use instead of… but use old school methods like bicarbonate of soda or vinegar and lemon juice instead of buying expensive cleaners . Make your own detergent for cleaning brassware by mixing a bit of tomato sauce and vinegar. The acidity in both aid the cleaning process. Rub onto brassware with newspaper, then wash with cold water and a bit of dishwashing liquid.
Not all DIY cleaners work. As far as washing dishes goes, the cheaper makes of dishwashing liquid are not always the best, as they are not very concentrated and could cost you more every month.

Saving @ Work…

Make up your lunches at home:  If you plan your lunches, you won’t need to buy them in that expensive coffee shop at work. Try making up a big pasta and leave it in the fridge to keep you going for a few days, rather than rushing in the mornings. You could also save money by microwaving your dinner leftovers from the night before.

Carpool: Can you combine your journey with someone else’s to save on cost? Ask around or advertise on your social media site to see if there’s anyone interested in splitting the cost of travel. Remember SAFETY FIRST! Make sure you are traveling with someone you know, and this saving tip will work for both of you.

Get staple work clothing: Rather than keep spending money, take a serious look at your work wardrobe and bring out the staple pieces each day. Depending on your work environment you could ask to wear a uniform which means you don’t need to supply your own clothing each day.

Don’t feel obliged to go to work socials: If your workmates go out a lot, don’t feel you need to, too. Choose the ones you want to attend of course, but head straight home rather than going to the others.

Shopping:

Avoid impulsive shopping: Do you really need that extra pair of shoes, jeans or accessories? Think carefully before you make each impulsive purchase. If it helps you to avoid those situations, don’t go to shopping malls at all.

Shop at flea markets: Flea markets are great places to bargain. The person behind each little store is usually their own boss. They set the price and that means they can change it. Before negotiating you must decide on your bottom line. You need to be clear about two things. First, what you can afford and second, the going price. Shop around to find out what most people are charging for the same item.

Staying in is the new going out: Consider inviting friends over rather than meeting up in town. You’ll still have fun but you won’t all be spending so much money. If you absolutely have to go out: Visit your local museum, Botanical Garden, or join a reputable Hike or Cycling Club.

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Why use DOCTOR DEBT?

With Doctor Debt you will be in safe hands and valued as a client right from the very moment you ask for help, our advice is always free.  Doctor Debt has a solution best suited to every person’s individual situation. Debt Restructuring is our primary offering, however, it does not suit everyone. Therefore in response to the wide variety of situations we face daily, we have created a large spectrum of solutions.

Our services include:

  • FREE Debt Assessment and advice
  • Debt Restructuring
  • Credit Reports
  • Budget Assistance
  • Insurance Reviews
  • Investigate Garnishee Orders
  • Investigate Reckless Credit
  • Assist with Voluntary Sequestration

Doctor Debt is a highly reputable Debt Counselling company established in 2009.

We are proud to have won ‘The Best Medium-Sized Debt Counsellor Award’ in 2014 and have since been ranked as one of the top 5 Large Debt Counsellors in South Africa. Doctor Debt strives to give the best customer service possible, and we are big enough to cope but small enough to care.

Our highly trained team competently deal with clients either face-to-face at one of our branches, visit you at your work or private premises if you are in our area, and assist via email, phone or fax.

The company is growing daily with satisfied clients. All cases are handled in accordance with the National Credit Regulator’s regulations and are closely monitored for the client’s best interest. We offer exceptional client support and aftercare service with regular review processes.

Doctor Debt’s PRIMARY PURPOSE IS TO HELP PEOPLE.  Our objective is for your life to become what you deserve Stress and Debt Free!

If you need FREE advice, either give us a call on 039 904 0840 or send an SMS “DD help” to 30772 (free SMS)

 

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Spring Cleaning Finances

Pink Piggy dusted with an orange hand duster. White lady’s hand. Green background

The first day of the New Year always has an air of excitement about it: A new season with the promise of new beginnings. Traditionally we give our homes an extra vigorous clean but it’s also a great opportunity to do exactly that with our finances. Here are 5 simple steps you can take to give your finances a fresh new start:

1. Compare your actual spending to your budget

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