Thursday, 15 May 2008

Eating on a budget?


It can seem like an uphill struggle injecting some variety into your diet without spending a fortune. Here are some hearty, filling recipes that will hit the spot -not your wallet!

Pasta Bolognaise: this old classic never goes out of style!
Heat 2 tsp olive/vegetable oil in a large frying pan over a low heat.
Add a diced carrot and onion and cook for 5mins, to soften.
Increase the heat and add 500g of minced beef/pork, stirring for 3 mins until it begins to brown.
Stir in a tin of chopped tomatoes and a little water and bring to the boil. Lower the heat and simmer gently for 5 mins. For extra flavour, try adding a stock cube and/or a little red wine instead of the water.
Meanwhile, cook 450g pasta in a pan of salted boiling water. Drain and return to the pan.
Stir in the Bolognese sauce and serve, sprinkled with a little grated cheese.
(For a vegetarian alternative, try substituting chopped button mushrooms and courgettes instead of the meat.)

Total cost per serving: approx £2

Chunky Casserole: a great one-pot meal to keep you warm through the winter (or the great British summer!)

Fry two finely chopped onions or leeks and a few sausages in a little oil until brown and thoroughly cooked.
Then add about 500g mixed beans (ie, tinned or dried kidney, mung, aduki, black eye beans and chick peas (if dry when bought, these should be soaked in water overnight before use) and stir until coated with the oil.
Add two tins of chopped tomatoes, ¼ pint of stock, two teaspoons of black pepper and the same amount of mixed herbs and bring the whole lot to the boil. Simmer gently for about 20 minutes and serve.
(The sausages are optional, feel free to simply leave them out if you prefer)

Total cost per serving: approx £2

Easy Jambalaya: a spicy Cajun treat straight from New Orleans!

In a large saucepan, fry 2-3 cloves of garlic, a small diced onion, two roughly chopped sticks of celery and a green bell pepper until soft.
Add to this a bay leaf, a tin of drained kidney beans, a chopped smoked sausage (you could use Chorizo or Andouille (available from most supermarkets) as a treat!), 150-200g white long grain rice, salt, a lot of black pepper and about ¾ pint of water.
Simmer for about an hour or until the rice is tender. That’s it, enjoy!

Total cost per serving: approx £3

Hearty Vegetable Soup: another one-pot warmer to help with your ‘five-a-day’!
Finely dice a large onion and two cloves of garlic and fry until soft in a little oil.
Roughly chop three parsnips, two sweet potatoes and four carrots and add to the pan with a tin of chopped tomatoes, dissolve two stock cubes in enough water to cover all veggies and simmer for 20-30 mins.
Serve with crusty bread and friends!

Total cost per serving: approx 50p

Here are just a few of our suggestions, if you have any cheap & cheerful recipes of your own that you’d like to share please feel free to post them on our message board. Bon appétit!

Wednesday, 23 April 2008

Travelling Light



Travel costs are getting more and more expensive, whether you use public transport, or run a car. Here are our tips to save you money.

If you use the bus or train, make sure you are using the cheapest ticket. Most bus & train companies have weekly or monthly tickets. Some will require a photo-card, others are just purchased on the bus, or at the station.

This means a bit of organisation is needed, but it will also stop you spending extra daily money, because you need change for the bus or train. In addition it will give you a travel option for the weekend & evening, which could save on a regular taxi fare.

If you have children at high school, this can also help with the daily search for money for school fares.

Consider walking or cycling to work. Save money and get fit at the same time.

For any one off trips, try and book in advance to get the cheapest tickets.

Work out how much you spend on petrol & parking. Could you save money by using public transport? Make a diary of how much you spend; you may be surprised at the amount.

Look at the running costs of a car, calculate how much you need to cover car tax, insurance and spares, servicing and MOT. Shop around for car insurance, and check out the best deals for servicing, spares & MOTs. (see www.moneysavingexpert.com)

If you do the School Run, can you start a car share with other parents, or look at a walking bus scheme for the children. Buy the cheapest petrol in your area and try to keep your car well maintained so that your engine’s running smoothly. Try and avoid fines & parking tickets – try to leave time to drive carefully & plan where you will park.
(see http://www.iam.org.uk/)

Please share your tips for cheap travel options, or have you recently decided you can live without a car? How much money have you managed to save? Let us know, on our message board here.

Wednesday, 16 April 2008

Mortgage Worries



Worried about making your next Mortgage or Secured Loan Payment?

Have you already missed a payment, due to problems with your finances, or problems managing your bank account?

CCCS can help.

As the biggest free debt advice provider, we have recently launched our specialist mortgage advice service. This is due to the large number of clients accessing our service to get help with unsecured debt (loans, credit cards etc) who also had problems with their secured lending.

We can provide support and advice on negotiating with your lender prior to legal action, advising you how to deal with legal action if repossession proceedings have already started and how to manage the situation if there is no option to save the property.
You will also be given advice about how to deal with your unsecured credit debts, including any overdraft situations.

Even if you have been unable to face dealing with your situation so far, it is never too late to get advice and start looking at the options available.
The advice we offer is free, confidential, practical and non-judgemental.

We can give you advice if you have only missed one payment, or if you already have a notice of possession or eviction.

There has been a lot of recent media interest in the area of reposessions. Click here see the video on this page of the recent news item about our service that was broadcast on BBC Breakfast on 14/04/08 for more details, or clike here to read a news report based on a visit from ITV to our Leeds office last week.

To speak to our Mortgage Advice Helpline, call 0800 975 9558.

Not in arrears but worried about the future?
Can you afford to pay your secured lending and your credit debts?

If you have managed to keep the payments up to date on your mortgage but are struggling with your other bills and credit cards, you may want to consider a debt advice appointment with CCCS. We can provide help with budgeting options to deal with your unsecured credit debts.

Try Debt Remedy for debt advice to suit your individual circumstances or call our freephone Helpline on 0800 138 1111.