compare business fuel cards

 Businessfuelcards.co.uk provides a one-stop-shop that small businesses and fleet managers can trust, allowing them to benchmark the largest network of cards, which instantly enables cost and service comparisons. Our comparison tool enables comparison of Network Size, HGV access, opening hours, application charges and other services (such as access to shopping and other motoring related goods and online account management).

The tool requires you to submit details of their fuel usage and click a button. 

You will then be provided with a shortlist of cards best suited to your needs. To make a selection,  simply click on their card of preference and follow the online application process.

Click here to compare fuel cards for your business.

 

rising energy costs

With the rising energy prices a recent poll on moneysupermarket.com revealed that the majority of consumers believe they are paying too much for their gas and electricity and that recent price increases are totally unjustified. Five of the big six energy firms - British Gas, EDF Energy, Eon, Npower and Scottish Power - have increased their gas and electricity prices by an average of 15% since the beginning of the year. The typical household now pays more than £1,000 a year for energy - up from around £650 three years ago.
What should consumers?
The message is simple - move to the best deal you can. Despite the recent price increases, there are still significant savings to be made.Six out of 10 households have never changed their energy provider and are still on the standard tariff paying quarterly by cash or cheque. By switching to an online tariff and opting to pay monthly by direct debit, the average household could save up to £260 a year. Which provider works out to be the cheapest, will depend on your consumption and whereabouts in the country you live. A gas and electricity comparison tool should identify the cheapest deal in your area - but here is an indication of how the providers compare:

Provider	Average standard tariff*	Average online tariff**	Saving
British Gas	£1,055	£878	£177
EDF Energy	£1,007	n/a	n/a
Eon	£1,063	£769	£294
Npower	£1,056	£795	£261
Scottish Power	£1,100	£944	£156
SSE	£890	£804	£86

*Payment by quarterly bill.
**Payment by monthly direct debit.
Source: www,moneysupermarket.com March 4 2008 There are a few things to bear in mind when comparing deals at the moment. Remember that SSE has yet to increase its prices, so if you opt for one of its deals, your bills may rise in the next few months. Also, while Eon and Npower have recently hiked the cost of their standard tariffs, the costs of their online deals have not changed, so they too may go up in the near future.Nevertheless, this shouldn’t put you off shopping around. None of the leading providers issue 12month contracts so you can easily move again should your rate rise sharply.
Top Tips From Moneysupermarket.com

 

credit cards are too hard to compare

Are you finding it too hard to compare Credit Cards?

According to reports out today, Credit Card companies should be doing more to make it less confusing for us when comparing credit card deals.

The office are fair trading has also recomended that the FSA (Financial Services Authroity) should launch their own credit card compare service.

Around 70% of credit card holders don’t bother to shop around and therefore could be wasting money. The report follows a complaint from Which! about the way card companies calculate interest payments.

Personal Loans

 Whether you are a tenant or homeowner Credit4everyone can help no matter what your situation. For unsecured loans whether you are a tenant or homeowner no matter what your situation. Compare by applying for a no obligation quotation today. Both have repayments and terms to suit your situation and we  even offer Yes loans which may be able to help you if you have CCJ’s, arrears or previous credit problems.

<><>Unsecured personal loans 

Use the following table to compare the latest loans available online at some great rates.

Lender Min Max APR Typical Apply PERSONAL LOANS Money Back Bank Loan Lowest rate around £7,500 £15,000 6.7% Yes Loans Yes Loans can help customers who live with their parents and those with CCJs. £1000 £25,000 48 % Northern Rock Unsecured personal loans £1000 £25,000 12.9% Alliance & Leicester Low rate, instant online decision £7,500 £15,000 6.9%     AA Personal Loans Low rate, online instant decision £7,000 £25,000 6.8%

saving accounts

 

Savings accounts
Are you making the most out of your savings? We offer a range of services and products including high street savings, high interest savings, internet saving accounts, long term saving accounts and deposit accounts.

Saving tips
Just about everyone could benefit from saving more but many people say they never have enough money left over to put into a savings account. This isn’t necessarily the case as many people also make lifestyle choices which leave them short of cash. But by changing the way you think about saving and spending and learning to budget, you might just find that you can come up with some money saving ideas so you free up even a little cash to put aside for a rainy day.The first step to saving is to budget properly. Ideally you need to work out your essential monthly outgoings and then add a little extra to pay for the odd little treat like books, CDs and going to the cinema. Hopefully you live well within your means in which case you’ll have some surplus money to stash away. Don’t worry if you need to start small - even a tenner a month will build up eventually.

Look at your monthly expenses in detail - all of them. There is rarely one that can’t be cut in some fashion with a little effort. See where you can prune so you can free up more money to add to your savings. And try to take care of the stuff you’ve already got. Servicing your car regularly means you won’t have to get a newer one so soon, for example.

You should evaluate your budget at least once a year to make sure you’re still on track because your goals and circumstances will change. Some short-term expenses may be paid off and new ones will be added so you’ll want to know if you’re still cutting back as well as you could.

Click here to view the saving accounts available via Credit4everyone.co.uk today

british gas price rise

On January 18th 2008, British Gas was the next Utility supplier to increase prices. You can save money by making sure you are on the correct price plan/utility supplier. To do this, you should you a Compare service.

Uswitch can save you time and money - click here

Money Super Market - click here to compare utility bills

• British Gas prices going up by 15% or £85 for gas and 15% or £54 for electricity
• Average household bill for a dual fuel British Gas customer will go up from £912 to £1,051 - only £64 cheaper than when prices were at an all time high
• Gas customers will suffer most, as British Gas will now be the most expensive supplier for gas - gas bills will go up from £568 to £653 a year
• Increases are on standard tariffs - over half its 16 million customer accounts will be affected
• British Gas reported record half year profits of £533 million, but Citigroup predicts that year end profits will hit almost £639 million - more than six times the £95 million it made in 2006
• Average British Gas dual fuel bill rocketed by 85% or £513 (2004 - 2006) but only fell by 19% or £208 last year.

changing your utility supplier

 Changing your Utility Supplier - Cheaper Gas - Cheaper Electricity 

There are two ways to cut energy costs; use less and pay less for what you use.

When you switch, only the price really changes

The pipes, circuits and wires, safety coverage and gas and electricity flowing through the house are all the same. Only customer service, billing and, most importantly, prices change; the new supplier performs the switch; all you do is take a meter reading.

The savings also depend on how you choose to pay:

 Direct Debit is cheaper.

Fixed monthly direct debit payments (where you pay a fixed estimate each month) save you up to 10% as companies are sure you won’t default, and they earn interest on any overpayments (which should be refunded at the end of the year). Yet if you pay by variable Direct Debit, always ensure you call in a meter reading after a bill, don’t rely on their estimates.

 Dual Fuel isn’t always cheaper.

Logically dual fuel (gas and electricity from the same supplier) should be cheaper and it often is, yet not always. During your comparison, also compare the cost of the cheapest dual fuel supplier with separate cheap gas and cheap electricity suppliers. 

Even if you’re on a prepayment meter you can switch and save.

Those who have prepayment meters can still switch and save, the comparison services allow you to see who offers the cheapest prepayment charges. Yet if you can switch away from a meter (it’ll often be credit scored) do so, as that’s much cheaper.

So how do you Compare?

We could list every Utility supplier here in a long list, not only would you suffer from such a list, the truth is, you just wouldn’t bother. Uswitch offer a service which allows you to compare prices from Utility companies at a few clicks of a button. It’s fast, easy and could save you £££s.

 Looking to Compare Business Utility bills? Click here for more details

Saving money on utility bills

NEW YEAR MISERY FOR CONSUMERS – NPOWER THE FIRST TO PUT HOUSEHOLD ENERGY BILLS UP

• npower is putting its prices up by an average of 17.2% or £92 for gas and 12.7% or £48 for electricity from tomorrow, 5th January[1]
• Increases on standard tariffs will affect over two thirds of its 6.8 million customer accounts[2]
• Average household bill for a dual fuel npower customer will now go up from £908 to £1,047[3] – £18 more expensive than when prices were at a peak last year[4]
• npower is now the most expensive supplier in the market – on average it is 15% more expensive than competitors[5]
• 15 price rises made by suppliers in 2006 added £4.8 billion to consumer energy bills, price cuts in 2007 only shaved off £1.7 billion[6].

Britain’s fourth largest energy supplier, npower, has today announced that it is putting up prices from tomorrow, 5th January, 2008. The increases – an average of 17.2% or £92 for gas and 12.7% or £48 for electricity[1] – will hit its standard tariffs, affecting almost 4.9 million customer accounts[2]. It will add an extra £139 on to the average standard dual fuel customer’s household energy bill, which is now set to rise from £908 to £1,047[3].The New Year price hike wipes out the £121 (12%)[7] price cut that npower made last year. It means that customers only enjoyed lower prices for 8 months[7], mainly during the summer period when energy usage is lower. Prior to this, in 2006, npower increased prices by £358 or 53%[8].The price rise blow comes only a month after npower put up the prices on its wholesale tracker plan by 17% for gas and 13% for electricity[9] and by 17% on its new online energy plan[10]. However, customers will be dismayed as, at its last full year results, RWE npower reported bumper profits of Euro 658 million[11]. It has also spent just over £12 million on advertising this year - only British Gas and E.ON spent more[12].Suppliers will, however, find it difficult to justify sweeping price rises to customers whose perception is that energy companies are slow to pass on price cuts, but quick to put prices up. Energy prices soared across the board by £277 (38%) on average between 1st January 2006 and 1st January 2007, but prices were only cut by £101 during 2007[13], despite a 56% decrease in wholesale energy prices[14]. While 15 price rises in 2006 added £4.8 billion to consumer energy bills, price cuts in 2007 only shaved off £1.7 billion[6].

Today’s move gives other providers the green light to put prices up too and household energy bills are now expected to top £1,000 again in 2008. Suppliers will follow npower’s lead and point to increased wholesale energy costs, as well as an increase in other costs, such as distribution, transmission, the Renewables Obligation and the introduction of the Carbon Emissions Reduction Target (CERT). These additional costs alone could be responsible for an additional £40 being added to household energy bills in 2008 [15].

Tim Wolfenden, Head of Home Services at uSwitch.com, comments: “The prospect of being able to raise prices has had suppliers champing at the bit, so it was always just a matter of time before one of them made the move. By announcing price increases today, npower has given the other suppliers the green flag they’ve been waiting for. The coast is now clear for a general price hike and energy bills can be expected to top £1,000 again - consumers are going to be in for a rough ride this year.

“The good news is that npower has softened the blow for its pre-payment customers. But, by being the first supplier to put prices up, npower is skating on very thin ice. Its reputation for customer service has taken a real nose dive over the last year – our latest independent Customer Satisfaction Report shows that consumers now rate it only marginally better than British Gas[16], which is not a good place to be. Today’s move will simply alienate customers further”.

“The price increase kicks-in tomorrow on 5th January. Customers have to switch now to reduce the impact of higher energy bills on their household. By not switching, consumers could waste over £2.3 billion in total or £334 each[17]. Those who have never switched before and are sitting on an uncompetitive standard plan have the most to gain and should switch straight away. The only consumers who can afford to sit back and wait to see how this round of price increases plays out are those who are already on a competitive online deal.”

Supplier	Standard Plan (paying on receipt of bill)	Online Plan (paying by Monthly Direct Debit)
npower	£1,047	£901
ScottishPower	£958	£770
E.ON	£913	£769
British Gas	£912	£742
EDF Energy	£907	£819
Scottish & Southern Energy	£875	£777
Average	£935	£796

Based on a dual fuel medium user consuming 3,300kWh electricity and 20,500kWh gas with bill sizes averaged across all regions. EDF Online Dual Fuel Plan is only availible in 10 of 14 PES regions. For Scottish and Southern Energy, the online bill size used is for their online plan available through Atlantic Electric and Gas, which is part of Scottish and Southern Energy.

compare the market

comparethemarket.com searches over 300 insurance schemes for your visitor’s car insurance, and over 10 van insurance providers. They won’t need to go elsewhere! •Searching 300 insurance schemes takes your visitors just 4 minutes.
•Leading brand names on our panel such as Norwich Union, Zurich, Allianz Cornhill, HSBC, M&S and BUDGET