4 Common Mistakes When Buying Broadband

Okay, so you’re sick and tired of internet that’s barely faster than dial-up speed, and you’ve decided to take the plunge and start shopping around for a new broadband package and provider. This is all well and good, except for the fact that shopping for broadband is like wading through quicksand at waist height. There are so many variables to consider, so many providers, so many deals, so many packages, and so many pitfalls to watch out for that you may wish to quit before you’ve even started and stick with your super-slow internet instead. To make your broadband shopping experience that little bit easier, here are 4 common mistakes people make when buying broadband. Make sure you don’t make these same mistakes, and everything will run a whole lot smoother.

Not shopping around

Nobody wants to pay more for something than they have to, and if you’re looking for broadband that doesn’t cost the earth, you’ll need to shop around and take your time. Virtually every household now has broadband, and when you consider the fact that the internet plays such an important role in everyday life, it’s easy to understand why. Because of this, there are now more broadband providers than ever, and each one offers their own unique deals and perks.

Going for the cheapest option

While it pays (literally) to be savvy with your finances, sometimes it’s worth spending a little more when looking at the bigger picture. You see, some people that shop around for broadband, literally base their search purely on the cost of the broadband deal itself. You get what you pay for in this world, and if you go with super-cheap broadband, there’s a strong chance that it will not be up to scratch. Competitively priced broadband is one thing, but if it’s ridiculously cheap, it will likely be plagued with issues. You needn’t spend a fortune, but don’t base your search purely on price alone.

Not considering data usage – If you’re a large household, or if you stream a lot of content and download a lot of things, you’ll get through a lot of data. Therefore, an unlimited broadband data plan will be more beneficial to you. If however, you don’t download very much, you might be okay with a data allowance. These packages will likely be cheaper than unlimited data packages and so you’ll save yourself a bit of money in the process.

Not considering bundles

If you have Sky TV or Virgin, it might be cheaper and more beneficial for you to go with a bundle deal instead of an individual broadband package. Bundles tend to include line rental, the TV package you’ve purchased, and the broadband, all rolled into one. If you need all three things anyway, it could be cheaper and easier to go with a broadband bundle deal instead.

Myths About Car Finance and Insurance

Myths About Car Finance and Insurance

Buying a new car is either a treat, or a chore. Some people take great pride in their vehicles, while others view them purely as necessities. The great thing about the motor industry nowadays, however, is that thanks to the numerous car finance deals currently available to us, we can purchase a variety of new and attractive vehicles without bankrupting ourselves in the process. As well as car finance however, there’s also the insurance to consider. When it comes to finance and car insurance, there’s a lot of myths and misconceptions that need clearing up. That’s what we’re aiming to do today. Here’s a look at a few common myths and misconceptions about car finance and insurance.

You don’t need to pay an excess if you’re not at fault

This is one of the most common myths surrounding car insurance, and it’s simply not true. Many people out there seem to think that if they make a claim that wasn’t their fault, I.E if another insured vehicle crashes into them whilst they were stationary, that they don’t need to pay the excess. The truth is that you still need to pay the excess up front. The good news is that most insurers will refund this excess if it is deemed that you were genuinely not at fault. This is why it’s important to remember to go with an excess that you know you can afford.

Car finance is a rip off

When you speak to a lot of people about car finance, many of them will tell you that it is a rip off and waste of money. Yes, the finance companies do charge more than the vehicle is worth because it is from the interest payments that they are able to make their money. These interest rates are usually very competitive and very affordable. Car finance is ideal because it allows you to purchase an expensive vehicle and pay for it over the course of several months/years, by making affordable monthly payments. If you go with the right deal, car finance is actually anything but a rip off.

Some colours of car are more expensive to insure than others

We’re not quite sure where this myth originated from but take it from us that it is simply not true. Some people claim that black cars and red cars, are more expensive to insure than others. We don’t know why people assumed this, but it is simply not true at all. It is incredibly rare for an insurance company to even ask what colour your car is, so please do not avoid red or black cars if you are trying to save money on your insurance because in reality it won’t make any difference at all.

Credit scores don’t matter

When you are looking to pay your insurance on a monthly basis, insurance companies will check your credit rating. After all, they want to know that they are going to get their money on time, and your credit rating will help reassure them. If you have a poor credit score, getting car finance will be much tougher, as will finding affordable monthly insurance deals as well.