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Rayleigh BRINGING LOCAL BUSINESSES TO LOCAL PEOPLE
SEPTEMBER 2018
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Welcome A very warm welcome to the September 2018 edition of the Rayleigh Local Business Guide. We’ve had some fantastic weather over the summer and so it’s a great reason to visit some of the lovely gardens that we have on our doorstep. Our feature ‘ Gardens in Essex’ on page 6 will give you some great ideas of where to go. In our regular ‘What’s On in Rayleigh’ on pages 16 and 17 we feature a ‘Visit the Vulcan Day’ - a chance to see former Royal Air Force bomber Avro Vulcan XL426 up close at what is a great day out for aircraft enthusiasts, photographers and the general public of all ages. We also feature an evening with Mark Routh presented by the Rayleigh Philatelic Society, a Family Fun Fest in aid of Havens Hospices, a Harvest Show and the Essex Poetry Festival. In our regular Acres Way feature (pages 10 and 11), we are really pleased that both Jerry the Labrador and Oscar the Boxer Cross that we featured last time have now found new loving homes! Unfortunately, Bear the Rottweiler Cross is still currently at Acres Way awaiting a new home, so we are featuring him again this month, along with 2 new dogs needing new homes. Within our Community section this month we feature articles on local charities ‘The Peaceful Place’ (page 19) and ‘SCAFT’ (page 22). We also feature an article on Free Days out in Essex (page 21) and we offer some Top Money Saving Tips (page 24). We also have our regular column from our financial expert Martin Lamb from Joseph R Lamb Financial Advisers (centre pages). If you want to feature any local charities or community based scheme, local sports clubs or other local activities in our Castle Point or Rayleigh guides then please get in touch at: info@thelocalbusinessguide.co.uk If you are a local business and would like to advertise in the Guide, then please contact our salesperson Ricky on 01375 402546 who will give you a no obligation quote. It really is a cost effective way of promoting your business and generating business from your local community.
The Rayleigh Local Business Guide Publisher Email: info@thelocalbusinessguide.co.uk www.thelocalbusinessguide.co.uk
Sales - Ricky Edwards 01375 402546
Advertisers Index GARDEN SERVICES, HOME IMPROVEMENT & CONSTRUCTION BATHROOMS 23 DECORATOR 23 KITCHENS
3, 8, 9
LANDSCAPING / FENCING / LAWNS
4
PLUMBING & HEATING RENDERING
25 Inside Front
SKIP HIRE
27
WINDOWS
13
WINDOW RESTORATION
Front Banner, 5
FINANCIAL, LEGAL & PROPERTY SERVICES ACCOUNTANT ESTATE AGENT FINANCIAL ADVISOR
8 Back Page Centre Pages
MORTGAGES
7
SOLICITOR 2
HOUSEHOLD & LIFESTYLE BUSINESS CARD DIRECTORY
26
CAR REPAIRS / SALES
20
CLEANING SERVICES
20
FLORIST
20
GOLF CLUB / ENTERTAINMENT VENUE
Inside Back
LEAFLET DELIVERY
18
TAXI CABS
12
UPHOLSTERY
4
HEALTH & BEAUTY CARE AND NURSING
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The Local Business Guide do not make any recommendations as to the fitness of the advertisers appearing in this publication to carry our their services and no recommendations should be deemed to have been made. All rights reserved. No part of The Local Business Guide Limited publications may be reproduced or used in any form or by any means either wholly or in part without prior permission of the publisher. This magazine is published by The Local Business Guide Ltd © The Local Business Guide 2018
www.thelocalbusinessguide.co.uk
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LEADING FIRM
2017
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Palmers Business Guide March.indd 1
to advertise in the next issue of The Local Business Guide call: 01375 402 546
02/03/2018 16:14
Double Oven HBM13B151B R.R.P £667.00
Induction Hob PUE611BF1B R.R.P £438.00
Including Free set of Saucepans R.R.P £130.00
Integrated Dishwasher SMV40C30GB R.R.P £370.00
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RJM Landscapes of Rayleigh Creative, competitive, conscientious
PATIOS • DRIVEWAYS • FENCING • DECKING • PONDS PLANTING • TURFING • CONSTRUCTION & MAINTENANCE
• City & Guilds trained • Free consultation & estimates • Fully insured
Rayleigh Office: 01268 642896 / 07703 444244 Email: rjmlandscapes@gmail.com www.rjmlandscapes.co.uk
Leather & Fabric Workshop What can we do for you? • Restore your tired cushions using the best quality fillings • Fully reupholster your furniture in fabric or leather • Professionally clean and condition all leather items • Supply foams, cleaning and colouring kits • Repair broken frames, springs and webbing • Modify your furniture to fit a smaller space • Provide leather repair solutions • Offer a bespoke colour matching service • Clean and restore automotive interiors
07545477032 / 01268 696926 canvey@leatherandfabricworkshop.co.uk Unit 2, Shannon Square Charfleets, Canvey Island SS8 OPE
leatherandfabricworkshop.co.uk 4
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Get the luxury comfort you’ve always wanted!
advertorial
Has Your Double Glazing Steamed Up? Established for over a decade Cloudy2Clear windows have become a leading company for glass replacement. Issues with double glazing can often be gradual and may only be noticed during a clear sunny day or during the winter. A failed glass unit may no longer provide you with the protection you need or be energy efficient. Why not spend a few minutes checking your home to see if you have any failed double glazing? If you act now you can avoid these problems. Now, you may think you need to replace
the whole window including the frames and all the hardware, however Cloudy2Clear have come up with a simple and cost saving solution‌ Just replace the glass!! If you see condensation in your windows just visit our website or give us a call on 0800 61 21 118. We will send out our highly experienced engineers for a free no obligation quote. A Cloudy2Clear quote takes on average no longer than 20 minutes. Once the quote is completed, we will sit down with you and explain the problem and tell you
how we can fix it. With years of experience Cloudy2Clear have a wealth of knowledge and are recognised as a Which Trusted Trader, plus our work is backed by an industry leading 25 year guarantee. Cloudy2Clear also replace faulty locks handles and hinges on all windows and doors. Your friendly local Cloudy2Clear specialist is Chris Miller and he services the Rayleigh area. So, if your windows are steamed up, broken or damaged give Chris a call for a free quotation on 0800 61 21 118.
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Gardens In Essex There are some lovely gardens in Essex so why not take advantage of the lovely weather and pay them a visit. Audley End House and Gardens in Saffron Walden is one of England’s grandest stately homes. Audley End House was built to entertain royalty and includes a Victorian Service Wing complete with kitchen, laundries and a dairy. With beautiful grounds to explore, including an impressive formal garden and the working Organic Kitchen Garden, there’s so much to see and do. For opening times and prices visit www.english-heritage.org.uk or call 01799 522842. Beeleigh Abbey Gardens near Maldon is a delightful series of gardens in three acres with plenty to explore and a river view, between Maldon and Woodham Mortimer. There are refreshments and a chance to buy plants, but the Abbey itself is now a private residence. Abbey Turning, nr Maldon, CM9 6LL. For opening times visit www.english-heritage.org.uk or call 07779 223321 Bridge End Garden in Saffron Walden is a series of seven interlinked gardens laid out by the Gibson family in the nineteenth century. These grade II-star listed gardens are now under the control of Saffron Walden Town Council, and remain open to the public each day free of charge. Careful restoration has replicated gardening techniques and designs typical of the Victorian era and has brought the garden back to its full splendour. Bridge End, Saffron Walden, CB10 1HR. Hyde Hall is a 360 acre estate near Chelmsford. This inspirational garden has a great diversity of plants and planting styles where you can watch the changing seasons and get closer to nature. It’s a garden to be enjoyed by people of all ages Facilities include a licensed restaurant, plant centre, shop, information centre and library.For more details visit www.rhs.org.uk/hydehall
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to advertise in the next issue of The Local Business Guide call: 01375 402 546
Fitzgibbons Fitzgibbons Tregellis Tregellis ---------------- Clear mortgage advice --------------------------------- Clear mortgage advice --------------------------------- Clear mortgage advice ------------------
Are YOU paying too much for your mortgage? Are YOU paying too much for your mortgage? Are YOU paying lookingtoo to buy your much forfirst yourproperty? mortgage? Are YOU looking to buy your first property? Are YOU looking to buy raiseyour additional funds? first property? Are YOU looking to raise additional funds? Are YOU looking to move? raise additional funds? Are YOU looking to move? Are YOU looking to invest move?in property? Are YOU looking to invest in property? Are YOU looking at abroad? to buying invest in property? Are YOU looking at buying abroad? Are YOU looking at buying abroad? If YOU answered YES to any of these questions, please call us FREE on: If YOU answered YES to any of these questions, please call us FREE on: If YOU answered YES to any of these questions, please call us FREE on:
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A fee of between £299 - £599 will be charged for any mortgages arranged. Fitzgibbons Tregellis is an Appointed Representative A fee of between £299 - £599 will be charged for any mortgages arranged. Fitzgibbons Tregellis is an Appointed Representative of Tryof Financial Limited is Authorised by thearranged. Financial Conduct Authority. A between £299 -which £599 will be chargedand forRegulated any mortgages Tregellis is an Appointed Representative offee Try Financial Limited which is Authorised and Regulated by the FinancialFitzgibbons Conduct Authority. of Try Financial Limited which is Authorised and Regulated by the Financial Conduct Authority.
Are you looking for high quality, individualized, flexible and compassionate caring in your own home? • Free assessment • Assistance with all personal care needs • Respite, shopping and light house chores • A company owned and managed by registered nurses • All carers have a DBS check and full training programme • Rated CQC as good
Please call: 01268 761459 or email: info@brooks-care.co.uk
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QUALITY KITCHEN FACELIFTS
Transform your kitchen this summer Est. 1999
Before
why replace when you can reface? • Door swaps to full kitchens – tailored to your needs • Huge choice of doors, worktops, appliances, sinks and taps • Installed by local skilled tradesman
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Visit our Showroom: Dream Doors Southend, 1741 London Road, Leigh-On-Sea, Essex, SS9 2SW www.thelocalbusinessguide.co.uk
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Working for the Community
Can you help Re-Home a Dog from Acres Way Kennels? Adopting a Dog If you think you can offer a dog a good home, the firs thing you need to do is to go down to the kennels, select a suitable dog you like, take it for a walk and see how you get on. Some people and dogs just don’t get along, so before reserving a dog, the Acres Way staff would need to see if you suit each other. If you have children, or another dog, they recommend that you bring them with you, to make sure that everyone will get on. Once you have visited the dogs, and hopefully found one that matches your lifestyle and expectations, a member of staff will arrange a convenient time for a home check. These are usually carried out within 2 or 3 days of your visit and take about half an hour. Once the home check is complete, you’ll
be able to collect your dog. You will need to bring with you some identifiction showing your current address, and the £130 adoption fee. Their staff will be on hand if you have any questions, and will be able to guide you through the adoption process. All the staff and dogs at Acres Way look forward to seeing you.
Re-Homing Update We are really pleased that both Jerry the Labrador and Oscar the Boxer Cross that we featured last time have now found new loving homes! Unfortunately, Bear the Rottweiler Cross is still currently at Acres Way awaiting a new home, so we are featuring him again this month, along with 2 new dogs needing new homes.
Successfully Re-Homed !
Jerry
- Labrador Aged 2-3 years
Oscar
- Boxer Cross Aged 2 years
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to advertise in the next issue of The Local Business Guide call: 01375 402 546
This Month’s Featured Dogs
Bear
- Rottweiler Cross Aged 4 years
Loves : His food. Looking for : Bear is a lovely lad and a gentle giant. He can be very nervous of new people but once he knows you he becomes your best friend. He wouldn’t be suitable with children and would need to meet other animals within the household if he needed to live with other pets.
Daisy
- Staffie Aged 7 years Loves : Lots of fuss and attention. Looking for : Daisy is a lovely little Staffie who is looking for a quiet life and comfy home. She is ok with children but due to not getting on with other dogs we would not have her with small children. She also may suffer with a little separation anxiety.
Arnold
- Shar Pei Aged 2 years
Loves : Lots of attention and his food. Looking for : Arnold is quite a quiet lad who enjoys his food and a good walk. He has tested well with other dogs but would recommend he meets any other pets in the home. He would not be suited to a home with small children as he can be quite lively at times.
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Money Guidance I have written several articles about Pensions following the dramatic changes Pensions Freedoms have made. To recap personal pensions are now much more simple, and very flexible long-term savings accounts. The only limitation for most is that they can’t currently be accessed until age 55, but if you could access it earlier you might end up with no pension! Tax relief is given on contributions at your marginal rate of tax, for high earners this is simply too attractive to miss, and for basic rate tax payers there are still long-term advantages. Pension funds accumulate free of capital gains or income tax, 25% of the total fund can be accessed tax free, the balance is taxed as income when you draw it, but most should be earning less in retirement so the income tax due on it should be less than the tax reliefs given. In addition, pensions are normally free of inheritance tax. If you run your own business and your business pays your pension contribution this is normally all set off against corporation tax as well, so you can extract money from your business into your own pension account free of corporation tax, income tax and national insurance. If you are happy to tie the money up to age 55 it really is a ’no brainer’ mathematically. Remember that after 55 (57 after 2028) you can access as much of your pension as you wish and when you wish. You can use the 25% tax free part as ‘income’ and draw it down without any tax until it is exhausted, and you could draw up to your income tax allowance from the taxed part of the pension, if you don’t exceed the allowance this will also be free of income tax. Pensions now really are just too good to miss out on, especially if you are a higher rate or additional rate tax payer. There is some confusion in the savings market however, as a Lifetime ISA broadly replicates a pension for basic rate tax payers. There is no tax relief on contributions, but the entire fund can be withdrawn without income tax and you can access them earlier than a pension. They are subject to certain limitations, but they do make sense as a form of long term savings. However, things may be about to change. The Government are looking to raise more money and are unlikely to want to borrow further. As economic growth is somewhat slow at the moment it is almost certain they will raise it from taxation but will want to limit direct 14
tax increases so tax preferred savings may well be in for a change. In fact, the Treasury Committee have very recently suggested simplifying the savings market by scrapping Lifetime ISA’s and limiting the attractiveness of personal pensions as they spend £billions on tax reliefs, mainly for higher earners. At the moment you can pay up to £40,000 a year into your pension if all your earnings total less than £150,000 per year and get tax relief at your marginal rates. The Treasury Committee are also proposing to reduce the £40,000 and to have a flat rate of income tax relief, (maybe 25%?). This will be fairer to lower earners as they will have an increase in tax relief and should encourage more to save, yet 25% tax relief is still attractive enough for higher earners to want to continue saving for later life, albeit with less available allowance if the £40,000 is reduced. Currently if you have not used your full pension allowance you can claim it back for three previous years, so potentially you could pay £160,000 in this year if you have made no pension funding. This facility could also be reined in by either limiting the years or limiting the carry forward amount to whatever the new reduced annual limit may become. Or by scrapping it all together! These proposal, or similar have been kicked around for some while now and look increasingly likely, as they are getting more support within the Government. So if you have any spare cash to invest to age 55, especially if you run your own business and are sitting on more cash than you need to trade and are limiting your drawings to reduce income tax, now may be an opportunity to extract money from your business more tax efficiently than any other method. Don’t wait until the Autumn statement if this is the case, seek advice or this massive tax saving opportunity may well be lost.
Martin Lamb, Dip.PFS Certs CII (MP & ER)
Some elements of business and corporate advice are not regulated by the Financial Conduct Authority. This article does not constitute advice and readers should seek an assessment of their needs and requirements before making any decisions based on the content of this article. The value of investments can go down as well as up and past performance is not a guide to future returns.
to advertise in the next issue of The Local Business Guide call: 01375 402 546
Own your own Company? You need to read this! At Joseph Lamb we have more than 45 years experience providing honest, effective investment and pension advice. View the performance of our portfolios and our client testimonials at josephlamb.co.uk. For a FREE consultation or a simple, informal discussion about your investment or pension concerns, call 01268 749880.
Investment Management Inheritance Tax Planning
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More than 45 years of experience in wealth management, investment advice and inheritance tax planning. Joseph lamb is the trading style of Joseph R. Lamb Independent Financial Advisers Ltd – Chillingstone House, 26 Eastwood Road, Rayleigh, Essex SS6 7JQ. Past performance is no guarantee of future returns. The value of investments can fall as well as rise. Joseph R Lamb IFA Ltd are authorised and regulated by the Financial Conduct Authority.
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What’s On In Rayleigh Visit The Vulcan Day Sunday 16th September 2018 Gates open at 10.00 am with last admission at 4.00 pm. Location: London Southend Airport, Southend-on-Sea, Essex SS2 6YF A chance to see former Royal Air Force bomber Avro Vulcan XL426 up close at what is a great day out for aircraft enthusiasts, photographers and the general public of all ages. Our team will give guided tours of Vulcan XL426 and for an additional fee you can climb inside the Vulcan’s cockpit. You can take photographs and also on display will be a rare WE177B bomb carried by the Vulcan and two 1,000 lb highexplosive bombs as used by the Vulcan in the Falklands conflict. There will be other exhibits and Vulcan souvenirs will be on sale. Refreshments will be available and free car parking is situated close-by (if free parking is full, please use the airport car parks for which there is a charge). General admission is £5.00 for adults with accompanied under-16s admitted FREE. Cockpit visits are an additional £4.50 each for all visitors. All tickets are on sale on the day - there are no advance ticket sales. Cockpit visits take place every 15 minutes and are done on a timed ticket basis, so there is no need to stand and queue. Space is limited so cockpit visit tickets are subject to availability.
Rayleigh Philatelic Society Meeting An Evening With Mark Routh Monday 24th September 2018 Starts: 7.30pm for 8.00pm to 10.00pm Location: Parish Rooms, Rectory Garth, Hockley Road, Rayleigh, Essex SS6 8BA Organised by Rayleigh & District Philatelic Society. Contact for details: Ray How (Secretary) – 01702 544632 Membership fees apply. Potential new members welcome.
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to advertise in the next issue of The Local Business Guide call: 01375 402 546
Havens Hospices Family Fun Festival Sunday 9th September 2018 Starts: 11.00am to 5.00pm At: Priory Park, Southend SS2 6ND To celebrate the launch of the new Fair Havens for life appeal. Plenty to see and do from live music and reptile encounters to a craft fair and fairground rides, refreshments and much more. Plenty to see and do! Free admission. Parking at Priory Park is limited but Southend United Football Club is opening their car park for those attending the event. For more information visit: www.havenhospices.org.uk/familyfunfest Facebook link: https://www.facebook.com/ events/471700333251791
Hadleigh Gardening Association Harvest Show Saturday 15th September 2018 Entries from 9.00am to 11.00am Viewing from 2.00pm to 4.00pm followed by a sale of donated exhibits and the raffle. At: Hadleigh Methodist Church Hall, Chapel Lane, Hadleigh, SS7 2PQ With classes for flowers, fruit, vegetables, homecrafts and photography. Admission £1.00. Refreshments & raffle. HGA website: http://www.hadleighgardening.co.uk
Essex Poetry Festival - Mervyn Linford Thursday 20th September 2018 Starts: 2.30pm to 4.00pm Location: Hadleigh Library, 180 London Road, Hadleigh, SS7 2PD. Mervyn will read and talk about his poetry Tickets £4.00 – book online at https://libraries.essex.gov.uk/events. For more information, phone 0345 603 7628.
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COST EFFECTIVE LEAFLET DELIVERY From £25 per 1,000 GuARANTEED DELIVERY bY OuR OWN TEAmS
ALL DELIVERED TO RESIDENTIAL ADDRESSES
Rayleigh
Castle Point Call Ricky 01375 402546
bringing local businesses to local people
www.thelocalbusinessguide.co.uk 18
to advertise in the next issue of The Local Business Guide call: 01375 402 546
Local Charity - Peaceful Place P
eaceful Place is a small but growing charity supported by and serving people in South East Essex. Their aim is to improve the lives of people with young onset dementia and those that care for them. At the heart of their services they operate a Day Centre from their base in Rochford which focuses on providing active, stimulating and person centred activities in a safe and friendly environment as well as community based activities enabling people to continue to live life to the fullest. They also provide advocacy services to people living with young onset dementia, providing much needed support to individuals and their families as well as regular support groups for carers and those with a young onset dementia diagnosis. The day centre is open on weekdays between 8.30 AM and 4.30 PM with a high staff to member ratio. Their aim is to stimulate the mental, physical and social skills of their members. Activities include pool, air hockey & table tennis, art, crafts & pottery, pub games & quizzes,
weekly outings & restaurant visits, live music & guest speakers and much more. Peaceful Place are able to go the extra mile thanks to the support of local people. They have a team of volunteers in the day centre and at their shop. Those who help fundraise are invaluable and it is because of their hard work and commitment that Peaceful Place can make sure they provide support that makes a difference. Younger adults with dementia under 65 years old and living within the Rochford, Castle Point and Southend areas can be referred to the service by contacting the Day Centre Manager on 01702 546476 or by email to DCM@peacefulplace.co.uk. If you would like further details of the individual services provided by Peaceful Place please visit www. peacefulplace.co.uk.
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to advertise in the next issue of The Local Business Guide call: 01375 402 546
Free Days Out In Essex Hadleigh Castle is open all year and is free to visit! After many years and the effects of land subsidence, the castle has been left in ruins, but two towers constructed in the era of Edward III still remain. It is a historic place to visit which overlooks the Essex marshes and Thames estuary- a great day out for a picnic or time to spend with the family!
Maldon Promenade Park is completely free with loads of fun stuff to do for both adults and children so is perfect for families! There are many take away kiosks, a scenic lake, sand pits, a splash water park, a children’s’ playground, wildlife area, grass recreation areas and much more to enjoy and experience!
Danbury Lakes is set within the grounds of Danbury Place. It has walking routes that take you around the beautiful waters of the lakes. Again, it is perfect for peaceful picnics where there are benches overlooking the tranquil lakes and in the spring and summer you can view the spectacular flower displays! Throughout the year there are also various children and family activities to enjoy.
Leigh-on-Sea Beach has been voted in the top 100 British Beaches, it is a lovely sandy beach which stretches on for seven miles from Leigh to Shoeburyness! It’s excellent for swimming, sailing and even windsurfing- the best part is it’s a free fun day out!
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Rayleigh Community Scaft - Supporting Carers And Families Together
S
caft - Supporting Carers and Families Together is a Rayleigh based organisation with the objective of relieving the social, emotional, mental, physical and educational needs of Carers and their families. This is achieved through the provision of support, personal and group centered interventions, advice, guidance and sign posting to other services as appropriate. Support is offered to both adult carers and young carers between the ages of 6 and 18.
Scaft can help if you you look after or care for a family member, friend or neighbour who has a physical or learning disability, a mental health condition/illness, a long term illness/condition, drug and alcohol related issues or has been subject to, or witnessed domestic violence. Young Carer Services Scaft provides the following support for children, young people aged 6 to 18 and their families:
Adult Carer Services Scaft provides the following support for adult carers: • Carers Cafés providing unpaid carers with a break from caring and the opportunity to meet with other carers and make new friends • individual support, advice, information and signposting to other services • a range of activities at the Cafés and outings including meals out and theatre trips All staff and Volunteers at Scaft have an Enhanced DBS check, are experienced and fully insured. Full dates of Scaft’s Adult and Young Carer services are available on their website www.scaft.org.uk or call 01268 741811.
• fortnightly group sessions with a range of activities, including the chance to learn new skills • the opportunity to meet with other children and young people who understand the challenges of caring • activities and outings during school holidays, these include cinema, bowling, horse riding and adventure centres • one to one support in local Secondary Schools
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to advertise in the next issue of The Local Business Guide call: 01375 402 546
Family Bathroom/ Ensuite/ Walk in shower room for only £4995.00 Designed / Supplied / Installed Fully installed
Including wall and floor tiles
www.bathtubonline.co.uk
Call Bathtub for a FREE quote on 01245 269778 3 showrooms in Chelmsford, Maldon and Rayleigh
LDS Decorators Painting and Decorating (LPAS)
Interior Decorating
Exterior Decorating
01268 777835 • 07715 613000 Commercial Decorators
Conservatory Cleaning
•Domestic & Commercial Painters & Decorators • Great Service•
•www.ldsdecorators.co.uk•
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Top Money Saving Tips Stop buying big brands! Most shops own brand items are made by the same people, just packaged differently and priced better. So why pay for the privilege of eating well known branded foods when an own brand tastes the same!
Watch the pennies! If you keep a record of every single penny you spend for at least one month; you’ll learn a lot and then later save the money you realized you wasted!
Haggling! You’d be surprised at the number of places you can haggle prices. From furniture stores to car dealerships to your local electrical store, by being friendly and just by asking you can get the price down on almost anything. If you don’t ask – you don’t get!
Switch off the plugs! A standard CRT television set still uses 2 watts of power on standby, with LCD and plasma screens using even more. According to the Energy Saving Trust, switching stuff off instead of leaving it on standby saves the average household at least £37 a year; it’s also helping out the environment!
Shop at cheaper places! Instead of buying higher priced products in premium supermarkets, make a visit to the less fashionable supermarkets. Your shopping experience might be a little lacklustre but it’ll be worth it when you see how much less you’re paying at the checkout. Stay organized! Computers are used by companies to save money. If you have a computer or laptop at home, use it in the same way. Use a spreadsheet to help with your budgeting. Keep your bank balance on it this will help you to stay organized and you can also use it so that you do not forget important dates. Interest! There is no such thing as 0% interest. When you see that advertised, it simply means that the cost of the interest is in the purchase price. If you are in a position to pay cash, then ask for this money back. The salesman may give you some trouble, but ask to speak to the manager, who may well cut the price to you for cash.
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Walk! One of the biggest money saving tips: walk don’t drive. If you need to get a paper at the shops, go on foot. It might not be practical if you’re off to do the weekly shop but by not driving your helping the environment by cutting carbon emissions, saving money and losing weight by walking everywhere! Layers in the winter! When it gets cold put on an extra layer instead of turning up the thermostat. There’s no point having the house heated and wasting money on electricity bills when putting on a cosy knitted sweater will do the job just as well! Online comparison sites! It might be annoying and feel like a waste of time, but checking the price of your household services, credit cards and loans with comparison sites like moneysupermarket.com could save you a lot of money; just take some time out to get organised!
to advertise in the next issue of The Local Business Guide call: 01375 402 546
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Directory BRINGING LOCAL BUSINESSES TO LOCAL PEOPLE
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• Clear & Easy to Use
rayleigh bringing
nesses to
local busi
le local peop
APRIL 2013
• Unique Business Card Format • Full Description of Business Services
FREE
Delivered FREE
• Contact Details & Location Map
essguide.co.uk
Rayleigh April.indd
s
to 5,000 home
09/04/2013
35
o.uk
inessguide.c
www.thelocalbusin
albus www.theloc
12:43:07
castle point
35
APRIL 2013
es to local people
bringing local business
• Link to the Business’s Own Website www.thelocalbusinessguide.co.uk
Delivered FREE to 10,000
homes
26
www.bizcd.co.uk
to advertise in the next issue of The Local Business Guide call: 01375 402 546
47
www.thelocalbusinessguide.co.uk
CP April.indd 47
02/04/2013 13:00:02
www.thelocalbusinessguide.co.uk
27
TO ADVERTISE IN ANY OF OUR LOCAL BUSINESS GUIDES
Rayleigh
Castle Point
Call Ricky: 01375 402546 Mobile: 07969 211229
DelivereD
bringing loc al businesse
s to local
o.uk
Free to
es
10,000 Hom
int Castle Po
bringing
l PeoPle
SEPTEMBER
2013
s to loCa
sinesse
loCal bu
oc albusi
ry.co.uk
www.busi
directo nesscard-
www.thel
39
e.co.uk .co.uk nessguide
sinessguid
calbu www.thelo
BRINGING LOCAL BUSINESSES TO LOCAL PEOPLE
to advertise in the next issue of The Local Business Guide call: 01375 402 546
OCTOBER 2013
helocalbusine www.thewww.t ssguide.co.uk localbus 31 inessgui de.co.uk
sales@thelocalbusinessguide.co.uk
28
0 Homes
rayleigh
people
DelivereD
www.busines scard-direct ory.c
Free to 5,00
Hadleigh Rayleigh Hockley
t: 01702 555 888 t: 01268 742 742 t: 01702 207720