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How to save money in Spain

How to save money in Spain, and how to find ways to save money online. Saving money is something that we are all a bit interested in. Find out how you can stop losing money on foreign exchage and currency rates and save money on foreign exchange rates instead. Find out how you can save money by an expat financial review. Learn more about expat health insurance and how you can save money on every day living expenses in Spain. You may even be able to save money on tax, and make the most out of your UK pension

Top Tips On How to Save Money on Your Villa Holiday in Spain: Save Money on Villa Rentals in Spain
21 June 2017

Self-catering holidays in Spain are still very popular. Sure, lots of people are beginning to snap up all inclusive deals in places like Thailand, but many families still travel to Spain and rent a holiday villa. When you start taking a look at self-catering villas in Spain, you may find they do not come cheap. For a lot of families, a self-catering villa in Spain can represent a major investment, but there are ways in which you can save money.

Car Rental in Spain

There is no way of getting around it, you will need a car for your holiday villa in Spain. You should never go for the first deal you come across online, and you should not go back to the same company you used last year without checking their prices first. Lots of visitors to Spain, presume the company they used last year may give them a better deal. This may not be true, so it is worth shopping around.

Should you use comparison some car rental web sites? It is actually better to stay away from them if you can. You will find the vast majority of car rental web sites, have an affiliation with a particular car rental company. It may even cost you more to book your car hire on a car rental comparison web site. Checking out individual companies is a much better idea. Keep all of the results in a spread sheet so you can quickly find the best deal. Also, make sure the terms and conditions are right for you. Some companies really do try it on when it comes to charging for a second named driver or try to charge you for insurance upgrades.

Eating Out in Spain

When we are on holiday in Spain, we may just enjoy eating out. Most of the time eating out in Spain is cheaper than in the UK, but you still need to watch your pennies. It can work out expensive for a family of four to eat out in Spain. After you have arrived at your destination, you may want to check out the local restaurants to see if they have any special offers. It will also be cheaper to eat mid day and enjoy a menu del dia, but many of us cannot tear ourselves away from the pool.

One way to save money on eating out is to check out the local press. Weekly papers such as the Round Town News and the Euroweekly may have money off coupons, and advertise special deals. Both options can save you a lot of money.

Downloading local apps such as McDonalds and Burger King is another good idea. If you just want to have a quick meal, food apps in Spain can save you money as well. Some of the freebie tourist guides may also have special offers available.

Saving Money on Supermarket Shopping in Spain

Lots of visitors to Spain tend to use the top supermarkets in Spain such as Mercadona and Carrefour. Lidl and Aldi are actually more expensive than their UK equivalents, and it could be better to take a look at other supermarkets. Mas Y Mas and Dia are two Spanish orientated super markets which can save both save you money. You may even want to sign up for their loyalty cards when you are in Spain. Both supermarkets issue discount coupons and they can be used against purchases. Take a look at their special offer publications and you will soon spot the best offers.

Things You Should Bring From the UK On Your Villa Holiday to Spain

Some drugs are more expensive in Spain, and if you think that you may need paracetamol or ibuprofen, it is a good idea to make sure you bring them. There are also some other things that are expensive in Spain. If you enjoy your morning cup of tea, it is cheaper to bring your favorite tea from the UK.

Another essential which is more expensive in Spain is washing powder. Bring quality washing powder such as Ariel or Bold Two in One from the UK, and you will save a lot of money. Ariel capsules and Bold work well in Spanish water. A lot of the water around the coasts of Spain, now come from desalinated water. Super markets generic washing powders may not work so well, and as you are likely to wash clothes which could be sticky from sun tan lotion, it is a good idea to opt for quality. Lenor unstoppables is an excellent scent booster for Spanish desalinated water and is easy to pack. Ladies should also remember to bring female hygiene as buying brands in Spain can cost a lot of money.

Yes, you can save money when you enjoy a self-catering villa in Spain. It may not feel that important to you at the time, but it could be a better idea than letting the credit card take the strain.




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How to Save Money in Spain: The Importance of a Funeral Plan in Spain
05 June 2017

Anyone living in Spain should consider investing in a funeral plan. There are still a lot of ex-pats living in Spain who do not have funeral plans. It may not seem important to you at the moment, but it is in fact very important. Recently, I found out how important it can be to have an expat funeral plan, or funeral insurance, in Spain. A friend of ours mother died with a wish to leave her body to medical science. The problem started when the hospital asked for an unexpected 1000 euros. It turns out donating your body to science in Spain is no longer for free.

Dying Without a Funeral Plan

First of all, this was money the family did not have. They had not expected to have to pay anything for donating the body to medical science, and the request for payment came as a great big surprise. At the time, the family did not have access to any extra funds at all, and did not even money to cover the wished for memorial service. If a prepaid funeral plan had been in place, a lot of stress could have been avoided. As it was, a local crematorium helped out and friends rallied around to get the money together.

Are Prepaid Funeral Plans in Spain Good Value for Money?

The question is – do you want this to be your legacy? It is much better to accept that anything in life, and in death, costs money and you may as well accept. When you look at funeral plans, they may initially seem expensive, but in fact, some of them are very good value for money. If you like, it is your chance to take a little bit of hassle out of the situation and you may make it easier for the family and friends you leave behind.

Dying Without a Will or Funeral Plan in Spain

I know funeral plans are a morbid subject, but sometimes it is better to face facts. You may not have any living family in the UK or Spain, and what happens when? If someone does not have Power of Attorney of your estate, you may find that even your money will be taken by the government. Dying without a will or a funeral plan, is still not that unusual. It happens a lot. The problem can easily be rectified.

Find the Right Funeral Plan for You

When you look for a funeral plan, you want make sure it suits your needs. Don't sign up for the first one which comes to mind. Take a look at a few and compare notes. Most importantly, make sure that it is a funeral plan which will ensures that you money is safe. After all, if there are no funds available when you die, your family will still be in the same situation. There are plenty of funeral plans available, and try to look at as many of them as you can.

Power of Attorney, Wills, Funeral Plans or Funeral Insurance

Of course, you can save up the money, or put the money aside for your funeral. In that case, your wishes need to be written into your will and you need to leave the money with someone you trust. A person with your Power of Attorney is a good idea if you are single and living in Spain, especially if you have no immediate family available. One another thing could be worth pointing out, you may want to make sure your funeral plan, or funeral insurance, covers you for wherever you die. Some of them do, and you want to make sure you sign up for a plan, or funeral insurance, which suits your needs.

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How to Deal with a Bank Complaint in Spain In a New Savvy Way
09 May 2017

Spanish banks are not the most user friendly companies, and many of us living in Spain are only too familiar with the problems that dealing with a Spanish bank can cause. As always, you should complain, but perhaps it could be worth while taking a different approach.

I am not really sure what goes wrong with Spanish banking, but I think that one of the biggest problems with Spanish banks, is their customer service attitude. They seem to forget that they actually have a customer base, and without their customers, they would not actually be in business. Often when I hear of a bank complaint, it seems that the bank in question does not care at all. This does not help, but you can turn it to your advantage with a bit of savvy.

Spanish Bank Charges

The most common problem with Spanish banks, seems to be bank charges. All of a sudden, your bank starts to notify of new charges which have not been charged to your account before. Of course, the next day you are in the bank complaining, and the normal response is that the bank has sent you a new contract. Really? Most of the time they have not, and even if they have done so, you should have signed the contract and had it explained to you. Actually, your bank should have called you into your bank, and explained the new range of account options. And no, what they are doing is not legal AT ALL.

How To Get Your Money Bank

How do you get your money back from your bank? Most banks would like you to write to their complaints department. As we all know, this may not work too well and they have a tendency not to respond. When they respond, it is not normally in your favour. You just end up becoming frustrated and annoyed, and the bank will tell you to write to the Spanish Bank Ombudsman.

This is where stuff becomes really complicated, and you may end up spending a small fortune on getting a lawyer involved. The fact is that you can even end up throwing good money after bad money.

The truth is that you may be better off making a case out of the problem yourself. Spanish banks hate bad publicity, and they really don't want you to give them bad publicity. I would not threaten your bank with bad publicity at all, I would just go ahead and give them a bad review on a relevant website. The trick is to send them the link to the review, and let them know what you are doing. Continue to annoy them, and you should get a result. Remember that it pays to be persistent. Yes, it is costing you time, by why should they be allowed to get away with it.

Does the Method Work?

I have been through this process a couple of times now with various friends and it is surprising how well it works. Name and shame may be something new to Spain, but it seems to work. Yes, the banks get a little bit “nasty” at times and threaten you with various things. I just tell them that they don't seem to have any commercial sense, and that I will be happy to continue to tell others.


By the end of the process, you may even find that you have a better working relationship with your bank, and they may even have learned to respect you.


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Pensions Advice for Expats: Retirement Investments
28 April 2017

If investing in a pension plan is not your sort of “thing”, it would be a good idea to check out the alternatives on how you could best invest for your retire income. Many of us are now beginning to think that actual pensions plans are not such good investments when it comes to retirement planning. Part of the problem is that politicians have messed around with pension rules a lot, and now the entire market is beginning to look less attractive to investors ans savers. Also, are young people going to be able to afford to invest in both a pension and a home? Buying a new home is expensive enough these days, and many young people are not going to be able to buy a home and invest in a pension plan. So, what are the alternatives?

Foreign Exchange Rates

If you are interested in investing part of your income on the foreign exchange rate market, it may be a good idea to look into offshore banking. Not only do offshore banks offer better rates of interests, but many of them are also very flexible when it comes to allow you to trade in different currencies. You may be able to move your money around different currencies much quicker when you have an off shore bank account. You may not want to move your money more than once a year, but is always a good idea to keep your eyes in the foreign exchange rate market.

Stock and Shares

Do you want to invest in the stock market? The stock market can be a very risky place, but at the same time, you can make a really good profit by investing in the stock market. Hiring a stock broker is one way of doing it, but you could learn how to trade yourself as well. There are a number on sites online which can help you, and point you in the right direction. It is called self investing and has made a lot of people a lot of money. Just make sure that you do not risk all of your capital when making your investments. There are plenty of online sites where you can receive good advice and you may even want to check out Youtube.

Property Market

The first thing you want to do is to pay off your own mortgage. Once you have done that, there is no reason why you cannot look into buy to let. It is a good idea, but make sure you invest in a good area. Buying a buy to let property abroad may not be the best investment. It would be better to invest in a country like the United Kingdom to make sure you get a good return on your investment.

We do tend to be a little bit worried about investing on our own without using a financial adviser, but it is one of the best way to make the most out of your money once you have learned how. That knowledge is not going to come over night, and you may have to study a bit. Above all, don't be frighten of offshore banking and foreign currency exchange rates. You will be pleasantly surprised when you discover how easy it is to be your investment adviser, and invest on your own. Remember to start with small amounts, and never invest more than you can afford. More than anything, learn the importance of saving money. 



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How to Maximize Your Retirement Income: Top 10 Tips on How to Make the Most out Of Your Pension
24 April 2017

Once you retire, you are more than likely to want to worry a bit less, and enjoy life to the fullest. For some, that is not very easy to do as they have not looked after their retirement capital and may see a lower return on their pension pot than they would have thought. This is really the time of life when you want to make sure that you have spare cash, and a good retirement income, will ensure that you can enjoy life.

1 Be An Active Pension Planner

Don't sit back on your laurels and assume that you are going to have enough money to live on in your retirement. Things change all of the time in the world of finance, and it is a good idea to complete your own pensions review. It is worth remembering that investments go up as well as down, and you need to stay on top of things to make sure that your retirement investments are in the right places.

2 Don't Rely On One Source

You should not rely on one source, or income revenue stream, when it comes to your pension. Today, the financial markets are much more volatile, outside changes such as new governments taking over, may influence your pension investment. Investing in stocks and shares is not a bad idea at all, but income from stocks and shares should never be your only income when it comes to your pension.

3 State Pension

If you are fortunate enough to be able to access a State Pension, you should by all means do so. But, in the years leading up to your retirement, you should check on your State Pension. Are you going to receive your entire entitlement, and have you paid in enough to your State Pension? If you have not paid in enough to receive your entire State Pension, it might be a good idea to check if you can top it up. Make sure that it is a cost effective option, and that your entire pension investment planning will benefit from your decision.

4 Work Out How Much You Need

Something that a lot of pensioners forget about is to work out how much they need. It is easy to presume that you are going to have enough money to cover your daily living expenses, and to go on on all of those holidays that you would like to take. Could it be a good idea to angle your investments to your personal needs? You may for instance want to have one particular investment which will cover your daily living expenses, and then another one which will cover the fun stuff such as going on cruises.

5 Keep Paying Into Your Pensions

If you do have a personal pension plan, you should try to keep paying into it as much as you can afford. Private pension plans are based on the idea that you will be buying an annuity at the end of the plan. There are other options now, but for most people pension annuities are still the best way to ensure they have enough income in their retirement. Most pension annuities are easy to contract, and you will find a good range of them out there. The amount of money which you have been able to save in your pension plan, will set the limit for the pension annuity that you can afford to buy.

6 Pay Off Your Debts

If you have debts nearing retirement, you should be absolutely honest with yourself about them. Hopefully you will have paid off the mortgage, but you may have credit cards or loans outstanding. Make sure that you know how much you owe, and then sit down and think about how you can pay it off. Don't be tempted into things like loan consolidation. It sounds great, but most of the time it works out very expensive. Stop spending on your credit cards if you have a balance at the end of every month, and settle your loans. You can even ask for a loan settlement.

7 Switching Your Pension

Should you have been involved with several workplace pensions schemes during your working life, it is a good idea to take a look at them. Most people tend to ignore their workplace pensions once they have left the company, but they are doing so at their peril. Of course, most companies don't want you to remove your pension, but it is a good idea to switch if you are not getting the best return on your pension. Modern pensions are often cheaper to run thanks to new technology, and you should really find out if you can put your all of your workplace pensions in the same pot. It is one way of boosting your retirement income for when you finally retire.

8 Investing in Bricks and Mortar

Investing in bricks and mortar is always a good idea but it should not be the sole capital for your pension investment. Remember that the housing market can crash as well as the stock market, and only invest in bricks and mortar after having checked out the additional costs. You may have to borrow the money to purchase the investment, and then you will also have maintenance. But, this could be a good route to go down if you like to rent out a property. Allow the rental income to build up, and use it towards your pension. You may even be able to pay it into a pension scheme, or put the money into a trust. When you are approaching your retirement, consider selling your bricks and mortar investment, and put additional income in a special scheme. This could be your cruise budget!

9 Private Health Plans

Is it a good idea to invest in a private health plan? It could be a good idea to invest in a private health plan. When you get older, you are likely to suffer a few health problems, and it is often cheaper to start to pay into a private health plan when you are younger. Many of them offer excellent terms, and with so many national health services around the world in crisis, private health plans could be a worthwhile investment.

10 Save On Tax

Smart tax planning is an essential part of good financial retirement planning. It is all too easy to assume that the tax man is going to be nice to you when your retire, but he may not be nice to you at all. Seek the advice of professional financial advisers and make sure that the company you use, are qualified to hand out advice. Many companies are only after earning commission, and may not have the best ideas. If you are not comfortable with your financial adviser, you should immediately step away.

Finally, are you accessing all of your benefits? Check if you are entitled to any special benefits. It could be that if you are looking after the grandchildren, you may even be entitled to Grandparents Credit, or discount on your council tax. Remember that if you don't ask, you don't get. Asking questions and staying on top of your pension planning, is what is going to make your retirement more enjoyable. Being able to afford to do the things that you would like to do, is after all what a retirement should be all about. A good place to get advice if you are British, is to contact the Government's Pension Wise service by calling 0800 134 3944. You can also learn more about this service by taking a look at  

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Don't Ignore Your Pension Because You Work in Spain: The Importance of Expat Pensions and Expat Pensions Reviews
17 April 2017

Many people who work in Spain still do not plan for their retirement. Planning for your pension when you work in Spain is just as important as planning for your pension when yo work in the UK. Spanish banks are keen to help you, but the problem is that you may be in a unique position. Just like me, you may have a private pension and state pension in the UK. You may have other investments in the UK as well. Asking a Spanish bank to help you to invest for the future may not be your best option as I have personally found out.

Take Your Entire Pensions Pot Into Consideration

The first thing you need to do is to establish your pensions pot. You may want to take into consideration private pensions as well state pension. If you are living in Spain, it is unlikely that you are still contributing to them, but there are people who still contribute to UK based pensions. For instance, you may even be topping up your state pension once a year.

Property Abroad As Part of Your Pensions Pot

Some of us still have UK property we may be renting out, and we consider that property part of our expat pension pot. Spanish pension providers would find that very hard to handle, and it certainly presents a challenge with Brexit coming up. It would be better to complete a full expat pensions review to make sure that all of what I like to call “pensionable” assets are taken into consideration when planning for your retirement.

A Flexible Expat Pension

Are you going to be staying in Spain when you retire? As people have become more and more “transitional” in recent years, it could mean that you will be spending your working life in Spain, but retiring in a different country. In that case, it means your pension needs to be as flexible as you are. Of course, if you have worked in Spain, paid tax and Social Security, you will be entitled to the Spanish National State Pension. At the moment it is easy to claim the Spanish State Pension for UK expats, and should hopefully continue to be so. Bear it in mind when you plan your pension as it may form part of your total pension income one day.

Still, you really do need to think ahead and find a flexible pension solution for you. It is best to speak to a company that specialise in dealing with expats pensions and understands expat pensions reviews. If you can the balance right, it may even be worth it for you to pay into a private pension here in Spain. After all, contributions towards a private pension here in Spain can be used to offset against tax, and as we all know, every little bit helps when it comes to retirement and pensions.

Also, don't forget about expat health insurance. At the moment you are probably covered by the national system, but what will happen when your retire. You may find that you are covered in Spain, but if you move to another country, what happens then. Expat health insurance is a very specialist subject, and it could be a good idea to start making some provisions now.




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How to Save Money on Energy and Electricity in Spain
13 April 2017

Almost 51% of your Spanish electricity bill goes towards taxes and other government charges. This is a staggering amount and you can't avoid paying it. Spanish VAT on electricity costs is a 21% which seems to be a bit unfair for a service that you cannot live without. Many think that they are going to save money by moving to Spain, but in fact, sometimes the opposite is true. When it comes to daily living expenses in Spain, it is just as expensive living in Spain as it is living in the UK. But, there are ways you can save money on electricity costs and energy costs in Spain.

How I Have Saved Money on Energy and Electricity Costs in Spain

There are several ways in which you can save money on electricity and energy costs in Spain. I started to identifying the most expensive areas of my home. There are some areas of your home where you spend more money than others, and if you find out what they are, you can start to address cost issues.

It may not be the areas that you spend most of your time. It is the areas where you use the most energy that you want to take a look at.

Top Energy and Electricity Tips in Spain

You need to come at this problem from all angles if you are serious about reducing your electricity and energy costs in Spain. There is not just one solution to this problem, so it is best to make sure that you look at all aspects.

Getting the Right Deal on Electricity

It is important to get the right deal on electricity in Spain. The main electricity supplier, has got all different deals going on. Their main deal is Night and Day, and allows you to use electricity at a cheaper rate during certain hours of the day. Of course, there are other suppliers in Spain as well, but I have not found them to be any cheaper than Iberdrola. You have to be careful with their peak charges and maintenance fees. Their customer service skills are not that great, and the sales staff are a bit too pushy for my liking. Despite everything, I think that Iberdrola is still the best supplier.

How Do You Cook Your Food?

The kitchen is one of the most costly places in the home when it comes to energy and electricity charges. It is really important to make sure that you have appliances which are rated with the best electricity rating that you can afford. However, that is not the end of it. If you want to save a lot of money on food preparation, you should look into some of the alternative cooking methods.

Save Money by Steaming Your Food

Steaming your food is not only better for you, but a steamer uses virtually no energy. I have long ago stopped boiling my vegetables, and I now steam them instead. It is not only vegetables which benefit from being cooked in a steamer. Stop boiling your potatoes and steam them instead. As a matter of fact, you can prepare a complete meal in a steamer in about half an hour.

Invest in a Slow Cooker

Slow cookers, or crock pots, are very popular in the United States. You can buy them in Spain as well, and they have become more popular in recent years even with the Spanish population. Since discovering my slow cooker, many of my Spanish friends have invested in slow cookers.

Of course, you can prepare an entire meal in a slow cooker, and the food tastes delicious. Not only can you go out and leave your slow cooker to it, but while you are out, your slow cooker saves you a small fortune in electricity costs.

Mini Ovens

Many ex-pats wonder why the Spanish are so fond of their mini ovens. Mini ovens are a great way to save on electricity costs. They heat up fast and cook the food that little bit quicker. If you enjoy simple meals such a jacket potatoes, they are the ideal way to prepare a quick meal. Yet another way to save money in Spain.

Do You Need the Dishwasher?

If there are only a few of you, you should not really need a dishwasher. Not only are you buying another detergent, but you are also using up a lot of water and electricity. Most hand washing up liquids are very environmental friendly, so you can use the dish water to water your plants in the garden or in the home. Another advantage of doing the dishes by hand.

Take it Off Stand By

Televisions and modern sound systems are often left on stand by. Do they really need to be? Take them off stand by and you will soon notice that your electricity costs will go down. It is a quick and easy solution to a very common and over looked electricity cost which many forget about.

You can also save water costs by using low flow water appliances. They are becoming more and more popular, and plumbers now recommend them. Also, don't forget to do the laundry at a lower temperature using a quality detergent and softener. There are other reasons why you should use a quality detergent and softener, but more about that later.

Start looking around your home and see what ways that you can come up with when it comes to saving money on energy and electricity costs. This savings tip is not all down to saving money on foreign exchange rates.

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How Do I Know if I Should Sell my Spanish Villa Before Brexit
31 March 2017

Brexit is causing problems for many expats. It does not matter if you live in Spain or Portugal, you are just as likely to have some financial concerns. Future foreign exchange rates are a major concerned for many expats. How do you know that you are going to have enough money to live on, and how much is your UK pension going to be worth.

Should I sell My Villa in Spain

Property owners in Spain are worried about the property they own. Are they going to be able to keep up the maintenance of your villa on a lower income if your pension is affected by a Brexit? If, you rent your villa in Spain out, are you going to have to pay higher rates of tax? Will people want to pay as much for renting your villa in Spain? There are many things to consider, and there is really very little guidance available.

Property Prices in Spain After Brexit

What is going to happen to property prices in Spain after a Brexit? No one really knows, but it is likely that property prices will slump as Sterling will be lower than it is today. It will be less tempting to buy a villa in Spain because of worsening exchange rates.Most large European banks are betting that the Sterling will slump even further. It goes without saying that a poor exchange rate will lower the price that you get for your villa in Spain, should you want to move back to the UK.

Foreign Exchange Rates for Expats in Spain

Also, if there are more properties on the market, there is a likelihood that many UK property owners in Spain, will lower their prices to get their villas sold off so that they can return to the UK or perhaps go into rented accommodation in Spain. Once again, foreign exchange rates are going to have huge effect on any profit that you may get from your villa. You are likely to make considerably less profit on your villa in Spain.

The Final Outcome – Should I Sell my Villa in Spain?

So, what should you do? Some people say that a Brexit will not effect property values in Spain. The problem is that so many other markets have opened up, and many more markets will open up once the UK complete the Brexit negotiations. There is a surplus in the US housing market, and flights are cheap to the US now. President Trump is keen to increase foreign investment, and the Americans do speak English. It is likely that a lot of Brits will choose to invest in other parts of the world, or even make foreign property purchases a thing of the past. After all, holidays to foreign destinations are cheaper today, and you are spoiled for choice.











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The Importance of an Expat Financial Review Before Brexit
26 March 2017

A final Brexit deal may come up sooner than we expect, and it is important to make sure that you review your own personal financial situation. Not only that, but you may want to check out where you stand on health as well. Will you need a Expat Health Insurance to stay in the country that you are in?

None of us really know what is going to happen after a final Brexit, so it could be a good idea to be prepared. After all, you do not want to end up out of pocket and not being able to afford your expat lifestyle which you have come to love. But, what factors should you take a look at?

Expat Income and Foreign Currency Exchange rate

Do you currently have income from overseas? If you currently have income from an overseas country like UK, you may want to remember that foreign exchange rates are likely to have an effect on your income. In fact, this week it was predicted that Pound Sterling would fall during and after the Brexit process. Many expats around the world have already been effected by the fall of Sterling. It could be a good idea to check out Currency Transfer Companies to see if they can offer you a better exchange rate.

In Trust or a Limited Company

If you have assets in the UK and abroad, you may want to speak to your independent financial adviser. It is very likely that cross border tax agreements will change in the near future. You want to make sure that you will not lose access to your assets, or end up paying too much income tax. There are several ways in which to deal with the situation. Considering open an offshore company, or setting up a trust may be the best way forward if you plan to spend your future in more than one country.


What will happen to UK State Pensions? Those on just UK State Pensions may end up suffering the most. The problem is that the UK government could perhaps even make a decision that you cannot have any pension increases in line with the any new agreement. At first you may think that it will not matter a lot, but if the value of Sterling drops as well, you may find that it can cost your dearly.

Set Up Some Savings

At the moment, you may not be getting much interest on your savings, but it is still a good idea to save money. You can think about it as your own personal little slush fund that you can go to when you need some money. If health agreements change, you may find that you will have to pay for some or all of the costs of your medication even though you have transferred your rights.

Expat Health Insurance

If you are an expat living in Spain, it could be a good idea to take a look at expat health insurance. Generally, the age you join a company, is the age that you stay. Companies such as ASSA have easy to understand policies and ASSA agents are often based locally. It is one of the better companies in the health insurance market place today, and you should perhaps ask for a quote.

Will Brexit make life easier for expats? Some say that nothing will change, but other financial advisers find that hard to believe. When it all comes down to it, it is better to be prepared and make sure that you are happy with your own financial situation. Complete your own expat review. It is better to know what areas may cause of concern. If so, you can do something about them, speak to a financial adviser or follow your gut instinct.

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How to Save Money On Your Holiday
18 March 2017

Most of us presume that it is cheaper to book your holiday online with sites such as, but that may not be true. If you are planning a holiday or vacation, you should certainly check out the rates online, but don't presume that it is cheaper to book your holiday online. Some of the so called discount booking sites are very tempting, but do they always give the best deal? I am not sure about that at all.

I have just booked my annual vacation, and going to be traveling in a couple of months time. Needless to say, I checked out all of the online sites, but I ended up booking directly with the hotel by phone instead. To my surprise I saved just under 200 Euros and got a better room as well. So, what is the secret to saving money on your holiday.

Booking to be Clever

Hotels may put some of their offers online, but far from all of the offers go online. Today, when I booked my holiday, I got a 10% early booking discount for booking with the hotel directly. The young lady who took my booking, also asked me if I had stayed at the hotel previously. No, I said and that entitled me to a special rate. None of these offers were available online or at sites such as

On top of that, I was upgraded to a better room. I simply asked the girl if they had any better room available and she said yes they did. As it was my first time with the hotel, and I was staying for two weeks, she would make sure that I got one of those room. When the booking confirmation came through, I found that I had been upgraded and a free bottle of Cava would be waiting for me as well.

How to Save Money on Your Holiday

Don't be frighten to pick up the phone. It is not the first time I have saved a serious amount of my money by booking by phone. Last year, I managed to get a drinks package included in our MSC cruise. That was not mentioned on the website, but was a special offer for phone bookings. In other words, pick up the phone and give them a call.

Ask questions. There is not harm in asking questions at all. Tell the company it is your first time booking with them, and ask if they have any better deals or rooms for first time bookers. Most of them will tell you if they do. Sometimes you do pay a little bit extra but it could be worth it.

It is not only rooms and booking deals that you want to check out. Don't forget to check out things like meal plans and excursion packages as well. Meal deals are great when it comes to hotels, and they are often more than happy to include breakfast if you book on the day.

Excursion packages can save you a lot of money. Cruise lines tend to offer a lot of excursion packages and two years ago, I got three free excursions when I booked a cruise around the Mediterranean. It sounded like they were anxious to book the last couple of cabins, and I asked what I would get if I booked today. The answer was an excursion package which included Rome.

How to Manage Your Holiday Money

If you are concerned about foreign exchange rates when you travel, you may just want to get yourself a prepaid debit card. There are many different companies which offer prepaid debit cards for overseas travel. Not only do many offer really good exchange rates, but it makes it easier for you to budget when you are on holiday. I have been using them for a few years now, and I think that they are great.

Check out them out online, and you will be surprised how convenient it is to use prepaid debit cards to save money on exchange rates.

So, by all means check out,the site does have some good deals, but remember to give the hotel a call as well. Be friendly and nice, and you may be pleasantly surprised. There is after all no harm in comparing prices. I normally check out first of all, then I give the hotel a call.


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