Thursday, 27 March 2014

AK Management- How Much Can You Save on Fuel

It is official AK Management blog readers. Fuel is the lowest it has been in three years. So with this where are you saving money and what other tips and tricks can you use to save money on fuel?

Everybody always complains about the price of fuel, but the thing is, according to the Automobile Association, AA, fuel has fallen to its lowest price in three years. So what are the specifics of the situation?

Fuel Prices: What You Need to Know

It turns out the AA are right, fuel prices really are the lowest they are in three years and it’ the same way across the entire country. According to the Association, fuel prices currently average 129.46p per litre; they were 138.42p per litre a year ago.

However prices aren’t uniform and if you’re the sort of person who commutes across regions for their work, you’ll need to know where you should be filling up if you want to save money on fuel.

Yorkshire and the Humber is the clear winner in general. However if you drive diesel, then London and the Midlands are the cheapest, with a lire of diesel setting you back only 136.3p per lire. Scotland was the most expensive for diesel, costing 137.3p per litre.

These may seem like little savings, but the really add up. With current average fuel prices you are currently saving 8.96p. Per 20 litres you’re saving 179.2 p. Say you get 20 litres a week, this means you are saving £7.16. This is money that can be used to give a little extra room for your budget.

Other Petrol Saving Tips

However this isn’t the only way you can save money on the price of petrol. You can obviously start by not driving as much. This makes the fuel you do buy last longer and if you walk instead you’ll get a little fitter as well; win/win.

Alternatively, you can shop around. The thing is that the figure quoted by the AA is the average fuel price, but prices tend to vary from petrol station to petrol station. Do your research on the internet and find out where you can get the cheapest petrol so you don’t fall into this trap. A good site to use is

Another way to think about petrol is to think about the car you have. How efficiently does it use petrol? It isn’t a uniform thing, and it really can affect how much fuel you need to buy. Try trading yours in for a more fuel efficient model and watch the petrol bill fall.

You also need to think about how much weight is in your car. The more you have in there, the harder your car has to work to move, the more fuel you are using to do so. Don’t carry your whole life around with you.

A Helping Hand

Sometimes doing all of this still won’t help you in the short term, it takes time for these types of savings to kick in and you’re going to need something to tide you over until then. In this case, invest in a small loan.

With a small loan if you make sure you secure a solid repayment plan and great interest rates, you’ll be able to pay it back out of the savings you make on your petrol bill.  If you need help finding this loan, come to AK Management, the specialist loan finder. Get on the blower and one of the team will use your circumstances to find the best deal for you.

Fuel prices are at their lowest in three years. Make money here while you can and take full advantage of this to lower the burden of your petrol bill on the monthly budget. 

Why not find out more about AK Management on our About.Me page, our Google Sites page or our Facebook page.

Monday, 17 March 2014

AK Management’s Guide to the UK’s Cheapest Property Markets

With the housing market finally looking sunny again, it’s a great time to get proactive and climb the first rung of the property ladder. Saying this, what are the UK’s cheapest property markets?

When you’re looking for a new home you need to remember that the mortgage will be the biggest part of your budget. Therefore, if you’re looking to save money, the mortgage is the first place to start.

It’s not always easy to shave money off a mortgage; however one way to do it is to make sure that you’re buying a cheap house in the first place. You have to be careful where you buy; did you know that the average property price for the UK has actually grown recently by 5%. It now stands at £184,215. This means that it’s 5.8 times your average earning (P.E Ratio).

However this isn’t the same across the country. For example you’re going to be paying more on London because it’s the capital of the country and everyone wants to live there. So which are the best cities to make a killing in the housing market? We use P.E Ratio to find this out.

Stirling, Scotland

By far and away the place with the best P.E Ratio is Stirling, Scotland; it stands at 3.30. It’s a lovely place to live and the great thing about it is that that area of Scotland is known for its cheap prices.  Buy a house here and not only will you save money on your mortgage, you’ll save money on your bills as well!

Londonderry, Northern Ireland

If you want somewhere a little more metropolitan then why not try Londonderry, Northern Ireland. With a P.E Ratio of 3.56 it’s cheaper than neighbouring Belfast (4.12) and it’s a much more beautiful city with that classic Irish scenery as the perfect backdrop for your new home.

Bradford, Yorkshire

If you’re a northern stalwart and you love all things Yorkshire, then the best place to get a cheap new home is Bradford. Bradford is probably the most multicultural city in this country so if you want new experiences then this really is the place to go. With a P.E Ratio of 4.15 you’re getting a really cheap home and you’re in the perfect position to take advantage of those infamously cheap prices up in the north!

Lancaster, North West

If you’re looking for a home in the North West, then Lancaster is the perfect place with a P.E Ratio of 4.28. A University town, it’s only an hour away from Manchester for the commute, it has a series of great boutiques and cafes that are cheap due to the student crowd and you’re only 20 minutes away from the coast.

Get the Mortgage

So now you know where you want to live, you’re going to need a mortgage, the biggest loan you’ll ever need in your lifetime. There are so many concerns for a mortgage and it’s so hard to find one with a decent repayment plan and interest rates that work for you.

This is why you should come to AK Management, the professional loan finding service. Talk to a member of the team and tell them what you need then they’ll do the hard work and find the perfect option for you.

Setting up a new home is exciting; however it’s also a financial commitment. The good thing is that property prices in an area usually stay low in comparison to the rest of the country when they’re low now. Find that perfect area and then buy your new home. 

Why not find out more about AK Management on our About.Me page, our Google Sites page or our Facebook page.

Tuesday, 4 March 2014

AK Management Helps You Save Money On Your Broadband

The internet is something that AK Management knows that in this day and age, everybody needs. However people really can end up paying through the nose for it and they really don’t have to. Saying this how can you save money on your broadband?

Broadband is a reality of life; you need it to keep in contact with old friends, to do your banking, your shopping, to search for jobs etc. The list of things we need the internet for today is endless and the internet providers know this which is why you often end up paying an arm and a leg for it.

Broadband: The Facts

Deals may sound cheap when you first hear about them but that’s hardly ever really the case. A deal that may be advertised as £5 a month won’t ever really be that cheap.

First, most of the time you have to get out a line rental as well, which considering that more and more people rely only on mobile phones these days, is an extra cost that people don’t have any use for. It usually sets you back an extra £15 as well.

Then you have to think about download limits; these cheaper deals usually come with fairly small download limits and then you have to pay extra on top. Downloads is everything, even when a new page uploads, so you’re bound to get through this limit pretty quickly.

Save Money on Your Broadband

So as we’ve seen the broadband costs really can pile up, however it’s still very possible to save money on your broadband. You just have to know how.

First you have to shop around; the thing about broadband is that it’s so versatile, it isn’t a one size fits all kind of thing. If you want to put in a landline you’ll need one with line rental but if you want one with satellite TV then you’ll need another deal. Prices vary and you need to do your research if you’re going to find real value for money.

Also make sure that when you are negotiating your deal that you get one with a MAC code for your usage. This code allows you to switch providers quickly and smoothly, which means that if you need to save money you can do it. Also it makes them think you are leaving, which means they might knock down the price a bit.
Also think about download limits; it may seem appealing to get a cheaper deal with a lower download limit but you will pay, quite literally, for it in the long run. Make sure you get a strong download limit so you aren’t hit with any unexpected charges.

5GB is a good measure for most people when it comes to download limits. However if you do a lot of streaming then you’re going to need a larger download limit. Check with your provider for further details.

Covering the Cost

However before you switch to a cheaper broadband provider or get broadband in the first place, it’s always a good idea to make sure that you’ve got no bills playing on your mind. Get peace of mind by handling it in the short term with a small loan.

Get a loan with a good repayment plan and interest rates that are affordable and your budget will easily be able to take it. If you can’t find this loan come to AK Management, the service dedicated to finding the right loan for you. Get in touch and the team will find it for you.

We all need the internet but this doesn’t mean that you should be letting it be a drain on your budget. Follow these tips and get broadband cheaper today!

Why not find out more about AK Management on our About.Me page, our Google Sites page or our Facebook page.