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Should You Buy or Lease an Electric Vehicle? Pros and Cons Explained

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Should You Buy or Lease an Electric Vehicle (EV)?

The decision to buy or lease an electric vehicle (EV) has become increasingly relevant as the automotive landscape continues to evolve. Ten years ago, leasing was often seen as an option for affluent individuals who preferred to upgrade their cars regularly. However, the rapid pace of technological advancements in the auto industry has changed this dynamic. Cars are no longer just modes of transportation—they are complex technological devices. As a result, many consumers now seek to upgrade their vehicles more frequently to stay in sync with the latest developments, which has made leasing a popular alternative to purchasing. 

This guide explores the benefits and drawbacks of both leasing and purchasing an EV, helping you make an informed decision that fits your financial situation and personal needs. 

The Appeal of Leasing an Electric Vehicle 

Leasing an EV has become more appealing for many reasons. When you lease, you essentially “rent” the car for a fixed term, making monthly payments over a period of two to four years. Once the lease is up, you return the vehicle to the dealer, with no long-term financial commitment. This is particularly advantageous in today’s rapidly evolving electric vehicle market, where advancements in battery technology, charging capabilities, and software are happening every year. 

For instance, a 2027 model is likely to offer significant improvements over a 2024 model—including increased range, faster charging, and enhanced features. Leasing allows consumers to upgrade to these newer models without the long-term commitment of owning a vehicle that could quickly become outdated. 

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Benefits of Leasing 

  1. Access to the Latest Technology: Leasing allows you to always drive a newer model with the most up-to-date technology. This is especially valuable in the EV space, where developments in battery life, charging infrastructure, and performance are constantly evolving. 
  1. Lower Monthly Payments: Leasing typically requires less money upfront compared to purchasing, and monthly payments are often lower than loan payments. This makes leasing more accessible for people who want to drive a new car without making a large financial investment. 
  1. Flexibility: After the lease term, you have the option to upgrade to a newer vehicle or even switch to a different brand. This flexibility is crucial as EV technology continues to advance rapidly. 

Example Leasing Deals 

To illustrate, leasing a Hyundai Ioniq 5 can be a highly affordable option. Currently, you can lease the Ioniq 5 SE Standard Range for $229 per month over a 33-month term, with an initial payment of $3,999 due at signing. This brings the total monthly cost to around $350, which is just 0.8% of the vehicle’s total price of $43,195—an excellent deal by most industry standards.

On the other hand, leasing a Rivian R1S would cost a minimum of $699 per month for a 36-month term with an upfront payment of $8,594. The total monthly cost, excluding taxes and fees, comes to about $938, representing 1.2% of the car’s value, which is still reasonable but not as competitive as the Ioniq 5 deal. 

Drawbacks of Leasing 

Despite its advantages, leasing has some significant downsides. The most notable is that you don’t own the vehicle at the end of the lease term. This means that after making years of payments, you have no asset to show for it. Additionally, there are several other factors to consider:

  1. Mileage Limits: Most leases come with annual mileage restrictions (typically between 10,000 and 15,000 miles). If you exceed this limit, you may face expensive per-mile charges, which can significantly increase the total cost of leasing. 
  1. Wear and Tear Fees: Leasing contracts often include penalties for excessive wear and damage. If your vehicle accumulates significant dings, scratches, or interior damage, you could be liable for additional costs at the end of the lease. 
  1. Lack of Ownership: Leasing means you’re always making payments and will have to lease again or buy a vehicle outright at the end of the term. If long-term ownership appeals to you, leasing may not be the best option. 

 

The Case for Buying an Electric Vehicle 

While leasing is a popular choice, buying an EV has its advantages, particularly for those who plan to keep their vehicle for the long term. If you find an EV that meets your needs—offering sufficient range, charging speed, and other desired features—purchasing might make more sense financially. Ownership allows you to avoid mileage restrictions and wear-and-tear fees, and once your loan is paid off, you will have no more monthly payments. 

 

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Related: Will Investing in Electric Vehicle Chargers Increase the Market Value of Your Home?

Financial Considerations of Purchasing 

While buying requires a larger upfront investment and higher monthly payments, the long-term financial benefits can be substantial. For example, purchasing a Hyundai Ioniq 5 with a $10,000 down payment would result in monthly payments of around $555.70 over a 60-month financing period. If you put down the same $3,999 as in the leasing example, your payments would rise to $653.27 per month. Though higher than leasing, these payments allow you to eventually own the car outright. 

Once the car is paid off, the savings become apparent. For instance, after five years of payments on the Ioniq 5, your average monthly cost over a 10-year period would drop to around $361. Similarly, buying a Rivian R1S would lead to payments of $1,537 per month for 60 months with an $8,594 down payment, but the long-term costs are reduced after the loan is paid off. 

Potential for Resale Value 

A significant benefit of purchasing is the potential resale value of the vehicle after you’ve paid off the loan. If the car is in good condition after 10 years, you can trade it in or sell it privately, recouping some of your investment and lowering your overall cost of ownership. Additionally, ownership eliminates the concern of exceeding mileage limits or incurring wear-and-tear fees. 

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Purchasing and Federal Tax Credits 

For buyers, especially those purchasing EVs that qualify for the $7,500 federal tax credit, the financial advantages can be substantial. According to Joseph Yoon, a consumer insights analyst at Edmunds, if you qualify for the tax credit and plan to keep your vehicle for the long term, buying may be more beneficial than leasing. 

 

Should You Buy or Lease an EV? 

Ultimately, the decision to buy or lease an electric vehicle depends on your financial situation, driving habits, and desire for the latest technology. Leasing offers the advantage of lower upfront costs, access to the newest models, and flexibility, but comes with mileage restrictions and a lack of ownership. On the other hand, purchasing an EV allows you to own the vehicle outright, build equity, and avoid the fees and limitations associated with leasing.

If you expect to drive more than 15,000 miles per year or plan to keep the vehicle for a long time, buying may be the better option. If you prefer flexibility and staying current with the latest technology, leasing could be more appealing. 

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Whether you choose to lease or buy, always consider your long-term financial goals, current credit situation, and how much you’re willing to spend on the latest EV technology. 

 

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2025 Federal Income Tax Brackets: Key Changes and What They Mean for You

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Federal Reserve Bank

The IRS has announced the updated federal income tax brackets and standard deductions for the 2025 tax year, which will impact the taxes filed in 2026. These changes include higher income thresholds for each tax bracket, ensuring that taxpayers can potentially retain more of their income in lower brackets due to inflation adjustments. Understanding these new brackets is essential for tax planning and optimizing your personal finances.

Federal Income Tax Brackets for 2025

Federal income tax brackets define the tax rates applicable to different portions of your “taxable income.” Taxable income is calculated by subtracting either the standard deduction or itemized deductions from your adjusted gross income. Below are the updated marginal tax brackets for the 2025 tax year:

Taxable Income Marginal Tax Rate
$23,850 or less 10%
$23,851 to $96,950 $2,385 plus 12% of the amount over $23,850
$96,951 to $206,700 $11,157 plus 22% of the amount over $96,950
$206,701 to $394,600 $35,302 plus 24% of the amount over $206,700
$394,601 to $501,050 $80,398 plus 32% of the amount over $394,600
$501,051 to $751,600 $114,462 plus 35% of the amount over $501,050
$751,601 and above $202,154.50 plus 37% of the amount over $751,600

2025 Standard Deduction Increases

In addition to the new tax brackets, the standard deduction is set to rise in 2025:

  • Married couples filing jointly: $30,000 (up from $29,200 in 2024)
  • Single filers: $15,000 (up from $14,600 in 2024)

These changes reflect inflation adjustments, which help minimize the tax burden for many taxpayers. The higher standard deductions introduced under the Tax Cuts and Jobs Act (TCJA) of 2017 are set to expire after 2025 unless Congress extends them. Therefore, it’s crucial to take advantage of the increased standard deductions in the coming tax year.

How These Changes Impact Your Taxes

The updated federal income tax brackets and higher standard deductions may reduce your taxable income, particularly for middle- and high-income earners. To benefit from these adjustments, ensure you are aware of how the new tax rates and deductions apply to your financial situation.

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Whether you’re a single filer or a married couple, planning ahead can help you optimize deductions, reduce taxable income, and ensure you’re prepared for any potential tax obligations in 2025.

In summary, staying informed about these federal tax updates is critical for effective tax planning. Be sure to review your financial status and consider consulting a tax professional for additional guidance in navigating the changes for the 2025 tax year.

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Hundreds of pensioners to get one-off cost of living cash worth £100 after losing winter fuel payment

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Hundreds of pensioners to get one-off cost of living cash worth £100 after losing winter fuel payment

HUNDREDS of struggling pensioners could receive a one-off voucher worth £100 to help with their energy bills this winter.

It follows the government’s decision to make winter fuel payments means-tested.

2CFA9TB Scattered new 20 pound polymer notes with British monarch Queen Elizabeth II

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2CFA9TB Scattered new 20 pound polymer notes with British monarch Queen Elizabeth IICredit: Alamy

The Older Adults Winter Support programme by Peterborough City Council is aimed to help around 1,000 of the most vulnerable pensioners in the area.

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The scheme, which is funded by the Household Support Fund, will be accepting applications until March.

To be eligible, applicants must be aged 65 or over and live alone or with another person aged 65 or over.

They must have a household income of less than £320 per week, with savings of £10,000 or less – with proof provided.

And they must not be eligible for Pension Credit.

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To apply for the scheme, which is run in partnership with Age UK, pensioners should contact the charity’s Cambridgeshire and Peterborough branch.

The charity will then assess each claim, and suggest alternative forms of winter support if applicable.

Labour councillor Alison Jones said: “With winter just around the corner, we wanted to do something to specifically help older people who may be struggling and feeling vulnerable right now.”

Many other councils around the country are using the Household Support Fund to give one-off payments to vulnerable pensioners.

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For example, Norfolk County Council is giving out one-off payments of £120.

Fuel duty hike is double blow after Winter Fuel Payment loss, says pensioner

Charities are also giving out gadgets such as air-fryers and heated blankets to help those struggling with energy bills.

Labour’s decision to scrap winter fuel payments was announced by Chancellor Rachel Reeves earlier this year.

However, the support will still be available to those on certain benefits – including Pension Credit, income support, tax credits and Universal Credit.

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How has the Household Support Fund evolved?

The Household Support Fund was first launched in October 2021 to help Brits pay their way through winter amid the cost of living crisis.

Councils up and down the country got a slice of the £421million funding available to dish out to Brits in need.

It was then extended for a second time in the 2022 Spring Budget and for a third time in October 2022 to help those on the lowest incomes with the rising cost of living.

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The DWP then confirmed a fourth extension of the scheme through to March 31, 2024.

Former chancellor Jeremy Hunt extended the HSF for the fifth time while delivering his Spring Budget on March 6, 2024.

The Department for Work and Pensions (DWP) recently confirmed that eligible households will receive payments from November through to December.

To apply for the Older Adults Winter Support, call 01733 564 185 or email pbws@ageukcap.org.uk.

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What is the Winter Fuel Payment?

Consumer reporter Sam Walker explains all you need to know about the payment.

The Winter Fuel Payment is an annual tax-free benefit designed to help cover the cost of heating through the colder months.

Most who are eligible receive the payment automatically.

Those who qualify are usually told via a letter sent in October or November each year.

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If you do meet the criteria but don’t automatically get the Winter Fuel Payment, you will have to apply on the government’s website.

You’ll qualify for a Winter Fuel Payment this winter if:

  • you were born on or before September 23, 1958
  • you lived in the UK for at least one day during the week of September 16 to 22, 2024, known as the “qualifying week”
  • you receive Pension CreditUniversal Credit, ESA, JSA, Income Support, Child Tax Credit or Working Tax Credit

If you did not live in the UK during the qualifying week, you might still get the payment if both the following apply:

  • you live in Switzerland or a EEA country
  • you have a “genuine and sufficient” link with the UK social security system, such as having lived or worked in the UK and having a family in the UK

But there are exclusions – you can’t get the payment if you live in Cyprus, France, Gibraltar, Greece, Malta, Portugal or Spain.

This is because the average winter temperature is higher than the warmest region of the UK.

You will also not qualify if you:

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  • are in hospital getting free treatment for more than a year
  • need permission to enter the UK and your granted leave states that you can not claim public funds
  • were in prison for the whole “qualifying week”
  • lived in a care home for the whole time between 26 June to 24 September 2023, and got Pension Credit, Income Support, income-based Jobseeker’s Allowance or income-related Employment and Support Allowance

Payments are usually made between November and December, with some made up until the end of January the following year.

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PRS REIT mulls company sale as it launches strategic review

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NewRiver REIT raises £50m for CapReg takeover

The group said it would explore all options available to enhance value for shareholders.

The post PRS REIT mulls company sale as it launches strategic review appeared first on Property Week.

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Save 10 Cents Per Gallon with Amazon Prime Gas Discount

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Amazon Prime’s New Gas Discount: Save Big at the Pump with Your Membership!

Amazon Prime just rolled out an exciting new perk: a 10-cent discount on gasoline! This latest addition is designed to bring even more value to Prime members while addressing a common concern—fuel costs. Here’s everything you need to know to take advantage of this fantastic offer.

Unlocking Your Gas Savings

As a Prime member, you can now save 10 cents per gallon at approximately 7,000 participating gas stations, including Amoco, AM/PM, and BP locations across the United States. To access this benefit, all you need to do is:

1. Have an Amazon Prime Membership: Membership costs $14.99 per month or $139 annually, which covers a plethora of perks like free same-day deliveries, access to Amazon Prime Video, Amazon Music, and discounts at Whole Foods and GrubHub+.

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2. Set Up Your Earnify Account: Create a free Earnify account and link it to your Amazon account. To activate the gas discount, simply visit amazon.com/fuelsavings.

3. Use the Earnify App: This handy app allows you to find the nearest participating gas station. When you arrive, redeem your discount by entering your phone number or linked payment method at the pump.

More Value for Prime Members

According to Jamil Ghani, Vice President of Amazon Prime, the decision to introduce this gas discount stems from valuable feedback from Prime members. “Every time we ask what would make Prime even more valuable for them, it’s fuel savings,” he stated in an interview with USA TODAY. On average, Prime members could save around $70 annually with this new benefit—making it a highly attractive addition.

Looking Ahead: Electric Vehicle Charging Discounts

But the savings don’t stop there! Amazon plans to launch an electric vehicle charging discount at BP Pulse next year, showing their commitment to supporting members in an evolving automotive landscape.

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Industry Insights

Neil Saunders, Managing Director of Retail at Globaldata, highlighted the significance of this discount. “Since gas is a necessity for most Americans, saving 10 cents per gallon is a notable advantage,” he noted. Even with recent drops in gas prices, fuel costs remain a concern for many consumers, making this offer particularly timely.

Joining Amazon Prime: A World of Benefits Awaits

If you’re not yet a member, joining Amazon Prime is easy. Simply visit the Amazon Prime website, click on “Try Prime” to start a 30-day free trial, and enjoy all the perks that come with membership, including:

  • Free same-day and two-day delivery
  • Access to Prime Video and Amazon Music
  • Discounts at Whole Foods Market and Amazon Fresh
  • Medical care and prescription drug access
  • Exciting sports broadcasts like Thursday Night Football and NBA games

Students aged 18-24 can enjoy a six-month free trial, followed by a reduced rate of $7.49 per month or $69 per year. Those receiving government assistance like SNAP or Medicaid are also eligible for a discounted membership at $6.99 per month.

 

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A Competitive Edge in a Crowded Market

With over 200 million members globally and a selection of over 300 million items eligible for free Prime shipping in the U.S., Amazon continues to set itself apart. This wide variety of products, combined with fast delivery times, has been crucial to Amazon’s success, particularly as competitors like Walmart, Target, and Costco enhance their delivery services.

As fuel costs remain a pressing issue for many, Amazon Prime’s new gas discount is a smart way to add value to an already robust membership. Don’t miss out on the chance to save at the pump while enjoying all the other benefits that come with being a Prime member!

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Wealthtime partners with Wipro and GBST on platform upgrade

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Wealthtime partners with Wipro and GBST on platform upgrade

Wealthtime has partnered with tech firm Wipro and software provider GBST on its platform technology upgrade.

The partnership will see the Wealthtime and Wealthtime Classic platforms brought together under one brand on a significantly enhanced platform.

Wipro and GBST will employ a joint co-delivery model to provide end-to-end platform services.

Wealthtime’s Operations and Technology & Change functions will transfer to Wipro’s newly established UK centre of excellence for business processing, based in the Southwest area.

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Wealthtime, formerly called Novia, said the transfer will allow it to leverage Wipro’s advanced technology and substantial IT and AI experience to continually improve service standards and front-end applications.

Platform users will benefit from significant enhancements to the Adviser and Investor Zones, alongside a streamlined service provision. Through extensive automation, the platform will aim to reduce manual effort, enabling advisers to focus on higher-value work and generate more in-depth insights for their customers.

The deal also extends Wealthtime’s 15-year technology partnership with GBST, with the platform undertaking an accelerated enhancement in 2025. Further continuous updates will be implemented to the platform to future-proof Wealthtime’s technology for their customers.

Patrick Mill, CEO at Wealthtime, said: “This deal with Wipro will fundamentally transform our platform and service offering and deliver extensive benefits for advisers and their clients over the medium and long term.

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“Our existing relationship with GBST will allow us to fast track our proposition development through accelerated platform enhancements, to deliver market-leading technology that underpins our future strategy.

“While Wipro’s proven operational expertise across multiple sectors, including financial services, will bring new insights to the largely insular platform space to create a best-in-class experience for our customers.”

Omkar Nisal, UKI managing director, Wipro Limited, said: “This project solidifies our continued investments in the UK Life and Pensions industry through our FCA-regulated business entity.

“Backed by our unmatched industry and transformation experience, we will enable Wealthtime’s improved speed-to-market, enhanced customer engagement and cognitive operations through our innovative and GenAI-powered technology services, along with GBST’s agile and digital Composer platform.”

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Rob DeDominicis, chief executive officer, GBST, added: “This agreement marks an exciting evolution in our long-standing relationship with Wealthtime and provides further proof that our strategic partnership with Wipro offers a compelling alternative for wealth-management organisations reviewing their end-to-end administration needs.”

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Martin Lewis reveals how to get £311 worth of M&S Christmas beauty goodies for just £50

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SHOPPERS looking for a bargain advent calendar can save hundreds of pounds by using a Martin Lewis tip.

Martin Lewis‘ MoneySavingExpert has urged shoppers to race to buy the M&S beauty Advent calendar which drops tomorrow (October 24).

The Marks and Spencer Beauty Advent Calendar 2024 costs £50 when you spend £35

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The Marks and Spencer Beauty Advent Calendar 2024 costs £50 when you spend £35

The Beauty Advent Calendar 2024. M&S Collection

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In this week’s newsletter, the team said the bargain calendar packs £315 worth of beauty products but will be on sale for just £50.

It advised shoppers must “go quick” if they wished to buy the 2024 calendar, which has been eagerly-awaited by M&S lovers.

But there is a slight catch – in order to buy the £50 calendar you must spend a minimum of £35.

So, in total you actually need to spend £85 to get the £311 worth of goodies.

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But this is still a great deal with a whopping £226 worth of items for free.

The team at MSE said: “It’s a good excuse if you need to top up on some extra clothing for winter, or replace all those socks with holes in.”

But it also added: “Don’t buy stuff you don’t need just to get the beauty calendar.”

If the timing is right for you, then the calendar can provide 25 goodies all sourced from renowned beauty brands.

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For example, it has the 15ml Take the Day Off Balm from Clinique, which usually costs £4.98 based on the 30ml pots from Sephora.

There is also the Color Wow Colour Security shampoo and conditioner in 75ml bottles which usually costs £11 at Lookfantastic.

‘So pretty it made me shed a tear’ shoppers cry over M&S’ £15 Christmas choc box, but you’ll have to be quick to nab one

Or you can get the 8.5g Fan Fest Mascara from Benefit which typically sells for £21.60 at Lookfantastic.

And the calendar also has a L’Occitane 30ml Shea Hand Cream which usually costs £9 at John Lewis.

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But remember, it’s only worth buying if you’re likely to use the products.

Here is the full list of what you can get:

  • Floral Street Vanilla Orchid Eau Deu Parfum, 10ml – £24.65 at Floral Street, currently on sale
  • Clinique Take the Day Off Balm, 15ml – £4.98 based on 30ml at Sephora
  • Color Wow Colour Security Shampoo, 75ml – £11 at Lookfantastic
  • Color Wow Colour Security Conditioner, 75ml – £11 at Lookfantastic
  • Benefit Fan Fest Mascara, 8.5g – £21.60 at Lookfantastic, currently on sale
  • REN EverCalm Cleansing Milk, 50ml – £8.50 at Lookfantastic, currently on sale
  • Nails Inc Cranberry Me Merry, 10ml – £3 based on 15ml product
  • Percy & Reed Tame That Mane Smoothing Blow Dry Cream, 100ml – £20 at John Lewis
  • Formula Sleep Cream, 15ml – £9.50 at M&S
  • L’Occitane Shea Hand Cream, 30ml – £9 at John Lewis
  • Philip Kingsley Elasticizer, 40ml – £12.50 at Asos
  • Fresh Elements Glow Day Cream, 15ml – £3.75 based on 50ml at M&S
  • Aveda Botanical Repair Strengthening Masque, 15ml – £7.50 based on 25ml at John Lewis
  • Nails Inc Nude In Noelle, 10ml – £3 based on 15ml product
  • Pixi Eye Define Waterline Tightline Black, 0.35g – £12 at Next
  • Cowshed Relax Bath & Body Shower Gel, 100ml – £7.33, based on 300ml at Ocado
  • Margaret Dabbs Nail and Cuticle Serum, 15ml – £13 at Lookfantastic
  • This Works Deep Sleep Overnight Whip, 200ml – £22.40 at Lookfantastic, currently on sale
  • Discover Velvet Amber, 10ml – £10 at M&S
  • Cowshed Relax Bath & Body Body Lotion, 200ml – £14.67 based on 300ml at John Lewis
  • Dr. PAWPAW Ultimate Red Tinted Lip Balm, 10ml – £2.68 at Holland & Barrett
  • Prai Ageless Throat & Decolletage Crème, 30ml – £24 based on 15ml at Boots
  • Living Proof PhD 5-in-1 Styling Treatment, 60ml – £16 at Lookfantastic
  • Emma Hardie Purifying Pink Clay Detox Mask, 15ml – £15 from Emma Hardie
  • Bloom & Blossom Keep Dancing Foot & Leg Mist, 100ml – £24 at Blossom & Blossom

These products can be great at filling the gaps in your beauty routine which you’ve been meaning to spend money on for a fraction of the price.

But MSE also suggested dividing the gifts up and saving them to use as presents over Christmas or for birthdays next year.

This means even if you don’t need the calendar now you could still use the deal to save significant cash over time.

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The newsletter also reminded customers to choose wisely when spending the £35 required to buy the £50 calendar.

MSE’s Olivia said: “Although M&S says it doesn’t participate in Black Friday, it’s likely it’ll still run offers in November, so it’s worth bearing this in mind when choosing what to buy for the required £35 minimum spend as some items could be cheaper next month.”

Last year you only had to spend £30 to buy the calendar, and its contents were worth £40 more.

However the 2024 calendar still offers a great selection of goodies and a huge opportunity for savvy shoppers to save.

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The Sun also rated the M&S 2024 Christmas selection which features 450 new products.

We also revealed the exact date you can order a Christmas food-to-order slot with Ocado this year.

How to save money on Christmas shopping

Consumer reporter Sam Walker reveals how you can save money on your Christmas shopping.

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Limit the amount of presents – buying presents for all your family and friends can cost a bomb.

Instead, why not organise a Secret Santa between your inner circles so you’re not having to buy multiple presents.

Plan ahead – if you’ve got the stamina and budget, it’s worth buying your Christmas presents for the following year in the January sales.

Make sure you shop around for the best deals by using price comparison sites so you’re not forking out more than you should though.

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Buy in Boxing Day sales – some retailers start their main Christmas sales early so you can actually snap up a bargain before December 25.

Delivery may cost you a bit more, but it can be worth it if the savings are decent.

Shop via outlet stores – you can save loads of money shopping via outlet stores like Amazon Warehouse or Office Offcuts.

They work by selling returned or slightly damaged products at a discounted rate, but usually any wear and tear is minor.

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As always we recommend people shop around when buying for Christmas so not to get caught out by hiked-up seasonal prices.

You can use Trolley as a useful comparison site for comparing prices on specific products between supermarkets.

And keep in mind that Black Friday is just around the corner so something you’ve got your eye on may eventually decrease in price.

But also remember that not all Black Friday deals are completely face value, so keep a close eye on how prices change.

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You can also subscribe to the MoneySavingExpert newsletter to receive weekly updates on all the products which are deals or duds.

Do you have a money problem that needs sorting? Get in touch by emailing money-sm@news.co.uk.

Plus, you can join our Sun Money Chats and Tips Facebook group to share your tips and stories

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