There is one really basic rule, which can control supermarket price. This of course is supply and demand.(if we the public don’t buy a product it will come down in price.)

Recently I have noticed premium 1KG blocks of cheese go from around $7.50 to just under $10. This is a a price increase of around 33%, compared to any other increases it seems rather extravagant. Then compare this item with home brand 1KG block of cheese which is around the $6-6.50 mark. This is a huge difference. Worked out in $ value it,s only a couple of bucks, but work it out as a percentage and you get a very rude shock. Yes it is around 40%.This is a huge saving.

Yes I know the quality is not as good. I have worked in a process plant before. The difference is only the Quality control, where I worked we just changed the tubs and kept running the same batch of product.

TIP.If you are eating a  product by it self, go for a name brand.If you are cooking with a number of ingredients the home brand products are fine.

TIP.I have also found that because of the quality control factor you can get a very average home brand product one time and the next it will be fine.

Brought to you by John Paech at Localspecial.com.au

When driving around in our car do we think about how to save on Fuel?

• One of the easy ways we can all win is to keep the traffic flowing. If there is a red light ahead there is no point in rushing up to it. Take your foot of the accelerator and coast. If we can keep momentum in our vehicle it will save fuel. The greatest drain on the fuel tank is under acceleration, and the to go even farther from stationary.Therefore if we can slow down a little earlier and maintain some momentum until the light turns green we will save on our fuel consumption.
• Remove unnecessary items from the car. Every bit of weight that is extra in the car is a bit more energy we need to use to make the car accelerate.
• Keeping the tyres pumped up reduces the drag on the road and therefor reduces the energy required to accelerate the vehicle.
• Buy Fuel when the price is on the down side of the fuel cycle.

 These tips and many more can be found at www.localspecial.com.au

When I was young My parents taught me the most valuable lesson ever.

This lesson was to save 10% of what ever I earned and put it away for a rainy day, so that I had money to fall back on if things ever got tough. Then when you have enough to spare you can invest that money.

Through out my working life I have keep to this principle. At some points I even aimed to have one pay period left in the bank as a reserve.(this is especially handy when you only get payed once a month)

Regards Localspecial.com.au

Far to many young people start of their working life by getting a credit-card and spending up big.

Soon we realise how much money we are giving away to the banks and look for a better deal, of course there are hundreds of other banks who want you to give them the extra money, so they give you a deal you can’t refuse and before you know it you have a bigger debt, and so on and so on.

So how do we get out of this situation? Find a Credit card with the lowest interest you can find, consolidate all your cards to the new account. When you get the new card CUT IT UP.

Now you have a way out, yes you will have to work hard at paying this debt off but soon it will be all worth while.

Brought to you by Localspecial.com.au

On of the easiest ways to save money is to buy in bulk.

When you next go shopping, compare the price of items that are the same brand but of different quantities. The best way to do this is to break the size down into a common figure, grams, milliliters, units. Say we are looking at a 100g tin of coffee compared to a 1000g tin(1kg) . Now if we divide the larger quantity by the smaller we know that there is 10 times the amount. So then if we divide the price of the 1000g tin by 10 and compare it to the price of the smaller we can compare in real terms.

You will nearly always find the larger quantity to be of better value. One of the reasons for this is the packaging, it is about the same for both size tins, but as a percentage of the total price it makes the larger quantity item better value.

This tip brought to you by Localspecial.com.au

With all the speculation in the US stock market, over bank lending, it would seem that we all need to know how to budget.

One of the most important abilities in life is to be able to control our personal finances. This ability is something that we need to be teaching our kids so that they grow up with good money habits.

The ability to know how much we can afford to spend each week, is of the greatest importance as if we over commit it leads to stress and the loss of assets.

Find other money saving ideas here.

Over the past three years I have developed the Localspecial web site.

The aim of the site is to give small to medium businesses a place to post thier specials, discounts, sales. With a back end where advertisers can amend thier product information.

I developed a mapping system in which users can search for products in thier area, changing the search area depending on the type of product they are looking for.

Currently I am offering free memberships for six months to give the site substance. The site is for businesses in brisbane currently and will slowly expand to Australia wide, later. 

From Localspecial.com.au

How often do we go into a service station and come out with more than we went in for?

Next time you go to a servo, just sit there and observe the people coming out of the store. You will be surprised at how many people buy extras. All these extras are marked up by huge percentages. This is where they make their money.

Now one way we can save money is by not buying these extras, out of habit. Just think about what we buy!!!!!! This dosn’t mean we can’t have a treat every now and again.

From localspecial.com.au

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