Hi All, I was recently approached by Barclaycard and asked to take part in their new consumer survey to help reveal which shopping ‘tribe’ I belonged to. Aimed at revealing how our relationships with retailers have developed over recent years, I was keen to take up this opportunity and report my findings. You can find out more info and take the online survey yourself by clicking here.
My Shopper Tribe = SCREEN SAVER.
So, after completing a few questions my shopper tribe is revealed to be the ‘screen saver’. This means I prefer to browse the internet from the comfort of my own home rather than trekking around the high street. This is pretty much spot on for my style I thought – surfing the internet for the latest bargains and comparison shopping is the name again when you are trying to live frugally!
Some interesting shopping statistics for my group included;
“Only 2% of you shop on your high street and only 14% bother traveling to discount villages to get the best bargains.” – This is a little less than I expected on the high street as I do still venture out to clothes shops and retailers where I need to see and feel something before I purchase, but at the same time I would be much more likely to compare prices on the internet rather than venturing to discount villages.
“You’re a social bunch, with 43% Tweeting regularly” – As you all know I am an avid blogger / social media advocate and I regularly like to tweet about my purchases and savings to my followers. I think the power of social media for retailers has and the importance for brands to have that social media profile is now evident for all retailers.
“Almost a third of you would buy an item you’ve already got just to have the latest version – you just love to impress” – I am extremely guilty of this unfortunately, everything from computers to running shoes I love shopping around for the latest gadgets and gear. Although upgrading to the latest model needn’t be an expensive task when you can compare prices online and easily sell your second products online using websites like ebay and amazon.
If you would like to find out more – click here to download the full infographic.
And a big thanks to Barclaycard Freedom Rewards for running this survey!
Would you like to get involved?
Which shopper tribe are you? Let me know which shopper tribe you are in the comments section and how accurate the findings are for you and you could win £60 Amazon Vouchers!
Thanks for reading.
Hi all! A fairly mundane update for you this week but one that has been bothering me for the past few months…Storage Heaters – How do they work and what is the most energy efficient way to use them? Since I do have these in my new apartment and its starting to get a little chilly in the North West, I thought this might be the ideal time to cover some quick tips.
I was actually surprised at how little people seemed to know when it came to operating a storage heater, I spoke to friends, work colleagues and family and everyone seemed clueless as to how to correctly work these things. So here are some quick tips I have chucked together…
A storage heater will (usually) have two knobs, an input and an output – We will discuss how to correctly position them in the next section. They will also usually have an ‘on’ switch on the wall – It’s worth noting that they are designed to come on at night when there is a lower rate of electricity so if you don’t notice anything happening straight away, don’t panic. During colder months I leave mine switched on all the time.
The input knob controls how much heat is stored in the heater over night. In colder weather you will obviously want more charge in the heater over night – but be advised this would use more electricity. You should only look to adjust this input knob as it gets colder outside.
The output knob control acts sort of as the room temperature. This will control how much heat is released from the storage heater whilst it is operating. The higher number you select the more heat it will release.
Energy Efficiency Tips
- Leave the output knob on a low setting during the day while you are out and then turn up in the evening when you return in from work.
- Check with your energy provider that you are on a tariff which provides cheaper electricity at night according to your energy needs.
Automatic Storage Heaters
It’s also worth noting that some automatic storage heaters will automatically adjust the amount of output according to your room temperature…Unfortunately I do not have these ha.
If you have any energy efficiency tips relating to storage heaters please let me know at email@example.com.
As house prices constantly seem to rise more people, especially the young, are beginning to feel that they will never be able to afford to buy their own home. It is not just first time buyers who face this problem, e.g. some parents rather than paying out thousands of pounds in rent so their children can go to university are considering the benefits of becoming ‘buy-to-let landlords. Then there are people who have rented properties for some time and feel the price they pay for rent would be better spent on a mortgage.
Media coverage of the problem is covered almost daily and at last something is being done’ However what we need to know clearly is just what schemes are available and we need unbiased, open minded information and help in simple terms to find out if we have enough money incoming or saved to afford a mortgage.
One of the latest schemes which should help buyers was introduced earlier this year by the government who introduced the first phase of their Help to Buy scheme which gave borrowers mortgage deals on new-build homes. Since then, as the second phase of the scheme was introduced at the beginning of October more banks have joined the line-up of banks offering mortgages to people with a deposit of little as 5%. All this seems good news for buyers. The Guardian reported today (31st October) that this particular new scheme has already had an impact on the housing market.
The barrage of information available is out there, and seemingly at last there is more opportunity for people to actually be able to afford to try and buy their own home. This can only be good news?
Yes, it is good news but when all said and done the concern for the prospective buyer is totally about money….do we have enough, how much can we afford to pay, and most important who will give up the best deal?
Gone are the days when we go off to our local bank or building society and ask for a mortgage….after all these big companies are biased – they will want you to borrow their particular funds and it may not be the best deal out there for you. Today we are fortunate that there are useful comparison websites which can great tools for that first stage in your search for a first time buyer mortgage.
So for your first step on the rung of that mortgage ladder try visiting website like Totallymoney where you can get impartial advice that will be specific to your own personal circumstances in a few seconds. There are at least 3000 deals out there to compare, covering brokers and lenders and all the necessary real time mortgage rates are monitored daily.
Your next step could be house hunting!!