Money Saving and useful Web Pages

Index Page click on >> SITE MAP Next Page (Photography)

This page contains a wide variety of links to other websites. From Hotels in Orlando to how to research your family tree. So get surfing the net ! Just click on the underlined link. To return here click on the 'Back' arrow. For Financial site links click HERE

One special site, which I use frequently is Wikipedia. There is information about almost everything under the sun and much of it is contributed by volunteers around the world. I really do believe that information is the key to human advancement and understanding, so I feel that it is worth supporting.

Did you know that you can move down the list of links by pressing the Tab key ? Then press Enter to go to a selected site. You can also move down the page by pressing the space bar.... holding shift to move up again.

Now where's that dictionary ? No need : http://dictionary.reference.com/ Dictionary, thesaurus, language translator and more.

Please note that I have introduced a one off voluntary subscription of £5 to encourage me to do more research on such links. If it saves you a small fortune on holidays or insurance (or whatever) it could be a bargain !

Sites relating specifically to older people, including Health sites, have been moved to Here Click on this link. For Savings and Investments click Here and Computer purchasing click Here.

Some folks have saved a fortune using these links. One couple saved hundreds on flights to New Zealand, another bought a new car via Oneswoop and saved loads. I have just saved a couple of hundred on a holiday and lots on insurance. For computer bits I favour www.ebuyer co.uk. It really pays to shop around.

News, Weather and Football

Reuters World News

100 best links http://www.tourbus.com/best.html.

Top 500 sites accessed from the UK click HERE

DISCOUNTS GALORE ! Cashback sites are all the rage. Sellers are desperate to compete these days. If you buy via them you get cash back. Wepromiseto: Pays £25; Topcashback: Pays £22; Cashback Kings: Pays £22; Quidco: Pays £21
Cashback Network Discounts and cashback from a wide range of retailers.
VOUCHERS and promotional codes are the in thing these days with many companies vying for your business by offering money off and 2 for 1 deals. See www.vouchercodes.co.uk
You can find more Promotional Codes HERE , at www.voucherseeker.co.uk and MyVoucher Codes
ART http://www.starving-artists.net/index.htm View others or display and sell your own
AUCTION SITES
www.qxl.com www.ebay.co.uk ebid.net www.icollector.com
Computer Fairs
BOOKS etc
www.amazon.com Get second hand and rare books www.bibliofind.com
CARS I have bought two cars as a result of internet research. Very happy with both. But do be careful. Scammers can use the 'net' to sell fictitious or cloned cars. 'Which?' did a study and found that new cars were often much cheaper on line e.g Citroen Xsara Picasso £10,262 (list £16,895) Brokers include www.jamjar.com (DirectLine), www.Ukcarbroker.co.uk and www.buyacar.co.uk which specialises in supplying discounted cars without the waiting lists. A large selection of new and used cars available, but no older cars. Car supermarkets include www.autoquake.com, www.cargiant.co.uk and www.Mortorpoint.co.uk and you can try http://www.uk-car-discount.co.uk/ www.oneswoop.com www.autoexpress.co.uk www.BroomBroom.com If you are nervous about buying on line then you can still use it to research prices before bargaining with your local dealer.
www.dvla.gov.uk/vehiclelicence To tax it on line; www.askmid.com To check a car's insurance status. www.motinfo.gov.uk (Check a vehicle MOT history) £35 MOT at www.kwik-fit.com booked on line
Feel like spoiling yourself with the 'Drive of your life ? Take a look at www.drivingdaysuk.co.uk Or it could be a great birthday present for someone.
COMPUTING & COMPUTERS
Manuals (Computers or ANYTHING ELECTRONIC) Go to http://safemanuals.com/
Ready-made Spreadsheets for budgeting. Excel etc. Very useful. All the work done for you www.budgetworksheets.org
Loads of videos on a variety of computer subjects. Often the easiest way to learn. See http://www.computeractive.co.uk/tv/
http://www.donateapc.org.uk/ Spare equipment? Find a loving home for it (UK only) Get equipment for clubs etc.
www.computer-aid.org if you have a spare computer. They do them up for 'Third World' schools.
http://www.direct.gov.uk or Ukonlinecentres.com. Free Computer courses
www.learndirect.co.uk Another government sponsored initiative providing more advanced courses
www.bbc.co.uk/webwise. A couple of on line courses from the BBC
www.howstuffworks.com has a Computer Section
www.help.com also provides various courses
http://www.abilitynet.org.uk/All kinds of help for the disabled PC user. www.remakes.org Enabling disabled people to play games
See also pensioners page for more
Free games : www.free-games-net.com
Hardware : Comparative shopping : www.computeractive.co.uk/activeprices (now links to Kelkoo comparison site) www.argos.co.uk/ www.ebuyer.com www.dabs.co.uk www.insight.com/uk www.7dayshop.com www.misco.co.uk (was Simply Business) www.maplin.co.uk
Information : www.pcpro.co.uk www.computerbuyer.co.uk
Software downloads : www.filehippo.com www.jumbo.com www.tucows.com www.download.com www.cnet.com www.computeractive.com/downloads www.pcworld.co.uk
Web based e-mail addresses www.gmail.com www.2mogi.com www.hotmail.com www.yahoo.com
www.address.com Find people worldwide
If you have ever had a problem getting e-mails and suspect the hold up is that someone sent you a very large attachment it is possible to remove the offending item by going to www.mail2web.com and entering your details Useful for picking up mail anywhere in the world, too.
Find the Best/Worst ISP : www.ispreview.co.uk
Viruses and Virus Hoaxes : www.f-secure.com www.mcafee.com www.symantec.com www.ca.com www.sophos.com
Ink (Clone packs) : www.choicestationery.com (my favourite) www.madforink.com or see ComputerActive adverts
General Help : www.helpwithpcs.com www.techsupportguy.com www.allexperts.com www.helpwithpcs.com www.howstuffworks.com www.pcpitstop.com (Pcworld) This site will give you a health check of your computer, as will McAfee's Clinic (free 2 week trial) www.mcafee.com
Another VERY useful resource similar to (but even bigger and better than) Silverhairs is http://kg7ka.tripod.com
EDUCATION and TRAINING see also under Other Silver Surfers Sites, below
Free computers and broadband for children in low income families http://www.direct.gov.uk/en/Nl1/Newsroom/DG_183990
www.niace.org.uk The National Institute of Adult Continuing Education (NIACE) aims to encourage all adults to engage in learning of all kinds.
Everything You Wanted to Know about Sponsorship, Placements and Graduate Opportunities www.everythingyouwantedtoknow.com (Money !)
http://typefaster.sourceforge.net/ Free touch typing tutor program
http://www.awardsforall.org.uk/ Application for grants from £300 to £10,000 for community projects of all kinds (Lottery Funded)
http://www.computeractive.co.uk/computeractive/features/2152190/build-skills-links-page
http://www3.open.ac.uk/courses www.open2.net or phone 0800 77 1234 to book your Free Internet starter session with the government sponsored UKonline http://u3a.org.uk (University of the Third Age) www.free-ed.net Free courses in almost everything.. http://www.direct.gov.uk Free course availability.
University of Liverpool. http://www.liverpool.ohecampus.com/index.php?Ref=gbmsn2xxxx
Encyclopaedia http://en.wikipedia.org/wiki/Main_Page

EQUIPMENT FOR DISABLED PEOPLE
http://www.stairlifttrader.com/ Second hand stairlifts and free advertising if you have one spare
FINANCIAL (see also Savings page)
http://www.surf4finance.com/. This site provides links to useful sites dealing with Debt Management, Mortgages, Insurance, Bank charges etc.
It is difficult to beat Themoneysavingsexpert for an all round site. Sign up for their email
www.litrg.org.uk The Low Incomes Tax Reform Group
The Financial Services Authority has a useful comparative site at http://www.fsa.gov.uk/, dealing with many different financial offerings. Just fill in what you want to do and it will show an up-to-date list of what is available.
Helping offspring with house deposits : www.ParentAidNow.com
Help the Aged financial advice: http://www.helptheaged.org.uk/Money/_default.htm
www.thisismoney.co.uk/ (Daily Mail) www.moneyexpert.com www.learnmoney.co.uk www.virginmoney.com - not just Virgin products www.moneysavingexpert.com Did you know there is £8 billion unclaimed money in banks and Premium Bonds ? Maybe granny forgot an account ! You can check all 45 banks in one go by getting a form from the British Bankers Association www.bba.org.uk For Building Societies go to www.bsa.org.uk To check Premium Bonds go to http://www.nsandi.com The Pension Scheme Registry can check if you are due for anything http://www.thepensionsregulator.gov.uk/
In debt ?
http://www.thinkmoney.com/debt/ See HERE for a complimentary report on this company by Times On Line. Thinkmoney also has a useful link at http://www.thinkmoney.com/tag/pension/
INSURANCE
Car insurance can be a problem for older people. An article in the Mail on Sunday dealt with this (03/07). It found that the chances of having an accident were 13% higher anongs the over 70s and that the cost of claims for over 75s was 50% higher than for those aged 60. As a result a number of companies are refusing to take on new customers over certain ages, though most will continue to insure existing customers who reach a certain age. For new customers More Than has an upper age limit of 79; Tesco made that 80, Churchill say 90 and draw the line finally at 99 for existing customers. The most amenable are Help the Aged, Saga, Age Concern and RIAS, but the cost of cover varies a great deal, depending on location, gender and, of course, accident record. Health factors may also be a consideration and it is essential that you inform your insurer (and DVLC). In their study of insuring an 84 year old living and working in London RIAS worked out the most expensive. Age concern was considrably cheaper and Help the Aged worked out the cheapest at almost half of the RIAS cost.... shop around
http://www.norwichunion.com/nud/index.htm (-10% off if you sign on the web). I just saved £100 on car insurance here. Car insurance : Recommended by a 60+ site visitor : www.cornhilldirect.co.uk Brokers : www.inspop.com (I just saved another £100 + here on House Contents insurance) - and got BETTER cover) www.screentrade.com www.coverquote.co.uk for over 50's.
Cars If you have a big 'No Claims Discount' and your spouse wants their own cover do shop around to see if you they can benefit from your good record. Try Churchill for what they term and 'introductory bonus'.
TRAVEL INSURANCE Click Here or for general advice see www.travelinsuranceguide.org.uk/
GENEALOGY See also my page on the subject
I have not attached links to these sites, so you will have to key in the address, adding www. at the beginning. Some may charge to do research for you. WWW.GOOGLE.CO.UK CYNDISLIST.COM, ANCESTRY.COM, FAMILYSEARCH.COM (Mormon church) FAMILY.COM. ROOTSWEB. COM RECORDS@GRO.SCOTLAND.GOV.UK, GENUKI.COM (UK site), ESSEXVILLAGES. NET, GOOGLE.COM, ASKJEEVES.COM, COPERNIC.COM. PRO.gov.uk (Public Records Office) SOG.ORG.UK (Society of Genealogists) ARMY.MOD.UK FAMILYRECORDS.GOV.UK
MEMORIAL SITES Some people would like to have a site as a memorial to a loved on. See http://www.gonetoosoon.org/ and www.muchloved.com
OTHER SITES TO TRACK DOWN LONG LOST FRIENDS OR RELATIVES
www.missing-you.net www.myoldmate.net www.familysearch.org www.lookupuk.com www.missing-you.net http://people.yahoo.co uk www.bigfoot.com http://uk.bigfoot.com www.army.mod.uk, www.smartgroups.com www.bureauofmissingheirs.com www.probate.com (charge made) www.british legion.org.uk www.servicepals.com www.missingpeople.com. www.missingpersons.org www.peoplesearchers.co.uk www.lookupuk.com www.infospace.com www.whowhere.com www.switchboard.com www.192.com (phone number, address, electoral roll), www.411.com (U.S. private phone numbers) Track old school friends. www.friendsreunited.com www.ukbirth-adoptionregister.com www.locatefirst.com/uk (UK Electoral roll) www.locatefirst.com/us (USA people finder)
HEALTH SITES Most have been moved to Here
http://www.privatehealthcareguide.com/ Private Health Care Guide. This covers all types of private health related services.
HOLIDAYS & TRAVEL (for travel insurance click Here)
Which ? Money reports that the cheapest way to spend abroad is to draw cash from an ATM with a Debit (not Credit) card and the cheapest of all is the Nationwide FlexAccount. Just stuff it with cash before you go.
For cheap hotels try http://www.hotels4u.com/
http://www.frixo.com/ Before travelling check this site for traffic reports on major roads and in cities
http://www.destinology.co.uk/ A useful looking travel site
www.flyzoom.com. If you are going from Manchester, Gatwick or Cardiff try this airline. e.g. New York ret from £158
www.hotelscomparison.com,
www.travelsupermarket.com
www.priceline.co.uk
www.trailfinders.com (excellent for tailor-made excursions)
www.transportdirect.info The Department of Transport site. Directions, flights, trains, road holdups
http://www.eurohotelguide.com With links to other hotels around the world
http://www.hotels-advice.com/ Help finding hotels worldwide
http://www.findorlandorooms.com/ a wide variety of accommodation near Disney World, Sea World and all the rest.
http://www.telegraph.co.uk/global/main.jhtml The Telegraph for Ex-Pats
www.holidaysuncovered.co.uk. A real gem this site. 40,000 genuine descriptions, warts and all and some discounts.
www.laterooms.com To find a room
www.lastminute.com.. the famous one
www.hotelcomparisons.com Comparative prices. Came out cheapest
www.tripadvisor.com General advice and price comparisons.
www.travelsupermarket.com For Car Hire comparison .
www.airflights.co.uk Bargain flights, especially short haul
http://www.tobook.com Hotels in Europe
www.nationalexpress.com/over60 If you are over 60 you qualify for 50% off bus fares. No coach card needed
www.pet-friendly-hotels.co.uk
www.globalholidays.co.uk Easy to use site for searching a variety of holiday companies. Insurance up to 80, too!
www.travelox.co.uk
www.a1travel.com
www.holidaydiscountcentre.co.uk
www.teletextholidays.co.uk/
www.bookmeacruise.co.uk/Cruises booked anywhere and great discounts compared with the brochures
www.villa-holidays.com/
www.flightmapping.com/
http://www.youstayuk.com/ Holidays in the UK

LOCATION SPECIFIC
Ölüdeniz, Fethiye, Hisaronu, Turkey http://www.hanhotel.com
http://pgoh13.free.fr/focusonmalaysia_greetingsworld.php
http://www.hotel-amsterdam-tobook.com. Specifically Amsterdam
http://rome.hotels-advice.com/ Discounted Hotels in Rome
http://www.allflorencehotels.com/links.asp
http://www.barcelona-and-hotels.com/links.asp
http://pgoh13.free.fr/paris.php
http://pgoh13.free.fr/barcelona.php
Riga, Latvia. Flights for peanuts and £18 per room at the Margrietinas Hotel. Big breakfast for £2! Been there, done that. Contact me for details
Going Racing or visiting Cambridge? For the best self contained B&B near Newmarket contact dkbowes@waitrose.com Personally recommended

Flights
Specific airlines :www.ryanair.com, www.easyjet.co.uk, www.thomsonfly.com, www.flybmi.com (British Midland), www.flybe.com (British European), www.easyjet.co.uk
General : www.bhx.com (Birmingham Airport), www.flightmapping.com www.flycheapo.com, www.skyscanner.net, www.momondo.com www.buzzaway.com www.cheapflights.com www.expedia.co.uk www.telme.com www.deckchair.com www.dialaflight.com www.cheaponlineflights.com Easy to navigate site. Flights, Holidays, Hotels. Shows discounts available.
Long-haul : www.cheapflights.co.uk, www.travelocity.com, www.trailfinders.com, www.expedia.co.uk If you register with www.expediaguides.com/farealert/ a small, unobtrusive icon will be installed onto your desktop. You can double-click the icon any time to see the current low fare, and when we find a fare that meets or beats your pre-set price limit, a small window will pop up briefly to notify you
Long winter breaks : E.g. You can get a month in Morocco or the Algarve in self catering apartments from £8 per person per day, where the daytime temperature is 60 - 70 www.thomson-holidays.com www.airtours.co.uk www.cosmos-holidays.co.uk www.thefirstresort.com www.thomascook.com www.ebookers.com www.holiday-rentals.co.uk (Accommodation) www.lunn-poly.co.uk www.thomascook.co.uk www.Holidayautos.com www.HotelSearch.com
HOLIDAY MONEY Are all the money rates the same ? BY NO MEANS.! Last year buying 1000 Euros from Marks and Spencers costs much less than Lloys TSB and even more from Travelex. But rates vary, so you may not always get the best rate from one supplier. But M & S seems to do well most of the time. Bear in mind that Thomas Cook has an on line service which promises to match any rate that you find elsewhere.
Nationwide used to be the cheapest way to get money abroad from a cashpoint but they have now started to charge (like the rest)

HOUSEHOLD
May 09 . Wrongly Rated ? Since Moneysavings Expert started to suggest that people check their rating band 130,000 households have been rerated. See HERE for instructions as to what to do
Winter 08 It is important to check the latest government offers as to whether you can gain from any of their energy saving measures. At least they have bludgeoned the energy providers to help fund the schemes. A government report said "Some 11 million people are expected to be offered assistance through the scheme. Almost half a million of the most vulnerable consumers would not see their bills rise at all this winter. Under the package, all low-income and pensioner households will be eligible for free insulation, saving up to £300 a year.
Every household will be offered half price energy saving installations The government would spend some £575m on more than doubling winter fuel payments for pensioners if there is a severe winter this year. The PM said he would ensure "by legislation if necessary" that the one in ten households on pre-payment meters "do not face unjustifiably higher tariffs". He also announced legislation for energy suppliers and electricity generators to provide £910m funding for the package.
So ,you may be able to get assistance with wall and roof insulation and, more important with an efficient central heating system, including up to five radiators. Some people may get small grants if there is a hard winter 2008/9. I was hoping they would double glaze my house.. but no such luck !
The Energy Saving Trust (0800 512 012) can tell you about grants (up to £2,000) from power companies and councils in your area. Tap in your postcode.
GRANTS In addition you may find grants available to bring substandard propery up to scratch (such as damp, problems, installing a bath or shower, hot and cold water and inside toilet) There are more generous grants where disabled facilities are required, such as widening of doors, ramps, stair lifts and downstairs toilets. Although these may be means tested, no means test is applied if a child under 19 is disabled. There is even an 'empty rooms grant', to bring back accomodation to a habitable state and also lead (water) pipe replacement.

Compare your Gas , Electricity, Telephone and Broadband : www.uswitch.com. Make sure you include offers from companies with which Uswitch do not have a deal.

www.TheEnergyShop.com is another free, totally impartial, energywatch accredited price comparison and switching service that allows domestic customers find the best deals for their gas and electricity. Customers can compare deals from all the main licensed suppliers and then switch suppliers online or over the telephone. The whole process takes just a few minutes and customers switching for the first time can typically save themselves as much as £150 a year.
Another useful site for this is www.ukpower.co.uk. Very simple to use.
Powergen, formerly Txuenergi, have a Staywarm scheme for pensioners, see.... http://www.ukpower.co.uk/staywarm.asp (or people or low incomes) which sets a monthly amount you pay regardless of the gas and electricity you use. To set up an account telephone them on 0800 169 4694. But one contact had a quote under Staywarm that was £20 more than he was paying !
I requested an estimate of the cost of freezing prices until 2010. It was just £9 a month (for both gas and electricity) and I feel tempted. They also award Tesco Clubcard points for every pound you spend.
This is the one I am currently using. For an idea of how much you can save by getting combined Electricity and Gas and doing everything on line (meter reading, bills etc) see Here

Check the value of your property and see trends : www.hometrack.co.uk

INFORMATION
www.clicksumer.com/guides is a general information site which refers to a multitude of subjects
www.police.co.uk has a link to Police Message Broadcast. It is possible to register and receive information about such things as burglary in your area
Major Newspapers all over the world http://www.newseum.org/todaysfrontpages/flash/
Can't find a manual for your equipment ? Search for one here : http://safemanuals.com/
http://www.direct.gov.uk/en/index.htm The government's main 'portal' for information.
Or if you wish to get in touch with your local council all you have to do is put in your postcode when you have chosen the service you requires. Click http://local.direct.gov.uk/mycouncil/
http://www.direct.gov.uk/en/Diol1/DoItOnline/index.htm Yes, you can do it on line. No, not that ! But there is lots that you can. Police, health, leisure, motoring, Your rights, voting, tax and benefits and lots more
Encyclopaedia http://en.wikipedia.org/wiki/Mai Business enquiries (yellow pages type) www.118.com/ http://www.guinnessworldrecords.com/ www.Newseum.org international newspapers www.telegraph.co.uk (Telegraph newspaper) www.lawrights.co.uk (Legal questions) . www.number-10.gov.uk. (Your chance to sound off at the government) http://astronomylinks.com (Astronomy )www.nature.com (science) www.newscientist.com (Science) www.britannicaca (World records ) The British Library - View ancient documents e.g. Dead Sea Scrolls. Government : http://www.direct.gov.uk
Mr Goh's site at http://pgoh13.free.fr and it is well worth having a look for computer tips, news, jokes, inspirational poems, brain teasers, dictionaries. http://www.separatedfamilies.org.uk/
http://www.createwrt.net/. A voluntary group which aims to help housebound people with creative writing.
Will Writing from £48: http://www.halifaxlegalexpress.co.uk/halifax/ The page also offers legal advice at fixed costs
Will Writing for a fixed £69 http://www.glosslegal.co.uk. Each Will is checked by a qualified solicitor, and is then professionally printed, bound and sent to you by post to make sure it does not get invalided by the probate office -- as happens with online downloads improperly printed and stapled at home.
Other legal services can be found at The Coop and QualitySolicitors.com (a group of 150 High Street Solicitors)

MAPS, POSTCODES AND TELEPHONES http://www.transportdirect.info/Web2/JourneyPlanning/JourneyPlannerInput.aspx
www.mapquest.co.uk www.mapminder.co.uk www.ukphonebook.com (phones, postcodes, addresses and maps) Postcodes can also be found HERE www.easymap.co.uk www.getmapping.com. www.royalmail.com http://uk.multimap.com www.mapquest.com Telephone numbers : http://www.bt.com. www.old-maps.co.uk (download old maps of your area) For free Faxing or SMS messages to mobile phones see a full list on www.textmefree.com but don't expect miracles as these services are limited and oversubscribed. I did manage a fax via Extext - I think ! Try www.lycos.co.uk for SMS. You will need to register.

MISCELLANEOUS
The Oliver Foundation. A very worthwhile cause, which is training disadvantaged youths near Port Elizabeth, South Africa

www.GiveMyLifeMeaning.com You can join in this one
Landshare. I website that connects people with land and those who want an allotment See http://landshare.channel4.com/
Gardening http://www.landscapejuice.com/
TV Guide : http://www.tvguide.co.uk/
www.whatsyourdogsthing.com. The Pedigree website for dog lovers
Sport on TV e.g. football highlights for a week after the games www.virginmedia.com/sport
www.upmystreet.com Information about your area. House values, policing, best schools etc. Just enter your postcode.
www.teachingart.co.uk www.saa.co.uk Sites dedicated to helping people with their art hobby.
Glasses : No need to spend £300 - £500. Get your prescription free from any optician - don't be embarassed to just ask for it - and look at www.glassesdirect.co.uk or www.specs-by-post.com The latter will send you your chosen frame with clear lenses. If you like them, you then return them with a photo, so they can pick the correct measurements. You choose the combination of features you like (bi focal, multifocal, anti -reflective, light reactive, stronger, lighter, anti scratch etc) and send them your free prescription. Voila. Who needs an optician ? If you don't save £200 I will eat my fedora.

MUSIC http://entertainment.msn.co.uk Get tracks even before the shops do for 75p - 99p each. 200,000 to choose from and all legit.
Lyrics. Mr Goh's site includes the titles of many songs at http://pgoh13.free.fr and it is well worth having a look for computer tips, news, jokes, inspirational poems, brain teasers, dictionaries. Also see http://askbobrankin.com/finding_lyrics.html for links to lyric sites

SHOPPING
Good site for Trampolines at http://www.365trampolines.co.uk
VOUCHERS and Promotional codes are the in thing these days with many companies vying for your business by offering money off and 2 for 1 deals.
Have you ever noticed, when buying on line that it says 'Enter your promotional code here'. So what is that about ? Almost every large retailer is now doing this from Argos to Vodaphone and Wickes.

VOUCHERS and promotional codes are the in thing these days with many companies vying for your business by offering money off and 2 for 1 deals. See www.vouchercodes.co.uk You can find more Promotional Codes HERE , at www.voucherseeker.co.uk and MyVoucher Codes and Voucher Codes UK

Cashback sites are also all the rage. If you buy via them you eventually get cash back. Wepromiseto: Pays £25; Topcashback: Pays £22; Cashback Kings: Pays £22; Quidco: Pays £21 Cashback Network Discounts and cashback from a wide range of retailers. To my knowledge none of these are related to Shopper Discounts and Rewards (Webloyaty International) which charges a monthly fee
http://www.cheaptraintickets.info/cheap-train-tickets-guide/ Is an excellent guide to how to save money on train tickets.
How about www.howtocomplain.com
http://www.hotukdeals.com/ This site lists bargains that people have spotted in shops or on line
Cheapest petrol in you area (it changes by the day). Just put your postcode in at http://www.petrolprices.com/
Cashback sites are all the rage. If you buy via them you eventually get cash back. Wepromiseto: Pays £25; Topcashback: Pays £22; Cashback Kings: Pays £22; Quidco: Pays £21 Cashback Network Discounts and cashback from a wide range of retailers
Get rid of your junk and find bargains. Join your local Freecycle. See http://uk.freecycle.org/
http://www.mysupermarket.co.uk/FirstTimeHome.aspx. A comparative shopping site for the major supermarket chains
http://www.trustedreviews.com/ Excellent site for independant views of modern gadgets
Don't forget the Which ? site at http://www.which.co.uk/. You don't have to sign up for much of the info.
www.helptheaged.org.uk/homeshopping
SmartClicks - Discount voucher codes and online shopping offers. Helping consumers to save money shopping online. A free, easy to use directory of discounts and savings at thousands of online shops, with hints for people who haven't shopped on line before.
www.kelkoo.com www.pricewatch.co.uk uk.shopping.com www.tooboo.com www.shopsmart.com Letsbuyit.com www.buy.com (John Lewis) www.bigsave.co.uk www.tesco.com www.iceland.co.uk www.toysrus.co.uk www.carphonewharehouse.com Compare the deals.
www.sears.ca will deliver things to Canadian addresses on your Visa card.

Telephone Calls
Telephone call charges are very confusing. At least the competition from computer based telephoning should make competition fiercer. But you may still be paying a premium on some calls if you are not careful. Premium rate numbers include all those beginning with 090 and can vary between 49p and £1.50 a minute of which the recipient gets a substantial cut. But even the following numbers have variable charges : 0845 numbers ARE charged at local call rates. But 044 is charged at 5ppm at any time. 0870 and 0871 numbers are charged at the national rate, even if it is local and pay the owner a cut if you phone at peak times, whereas 0871918 numbers are 10ppm at any time. Many companies will quote an 0870 number even though they have a free 0800 number. There is a website that enables you to check whether a company has a cheaper alternative. Study the site at www.saynoto0870.com to find non geographical alternatives to 0870 numbers. Always bear in mind that most telephone companies will charge around 5p for the first minute. So, if you are on pay-as-you-go dialup and get through but then your PC has to re-dial seconds later it is probably costing you.

With competition opening up the telephone market you should check the comparative costs of telephone suppliers. For instance http://tele2.co.uk has recently introduced an evening call charge of 0.75 per minute (local OR national). OFTEL recommends www.uswitch.com, who are allowed to help you change. It only takes a few minutes and can save you tens of pounds a month, particularly if you phone abroad a lot. You may be able to save on telephone calls especially to the USA and Australia (e.g. 2p per minute). But the cheapest of all is a PC to PC call by a service such as Skype. When it comes to cost FREE is hard to beat ! See Here.

For international calling codes see http://www.countrycallingcodes.com/index.php

Other Silver Surfer's Sites - see Here

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