If you’re looking to tighten the purse strings this year, chances are you’ll be thinking of a value for money mobile phone deal. You may think that unlimited phone calls are the preserve of expensive pay monthly deals, but fortunately, this is no longer true.

How so? Well, thanks to giffgaff, a new mobile phone company, you’re now able to receive all the benefits of a pay monthly deal without being tied down to a 12 or 18-month contract. Think this sounds too good to be true? Think again – by cutting out the usual blurb, the network is able to pass on its savings directly to you, the customer.

giffgaff operates on a SIM-only basis. If flexibility is what you’re after, you’ll be pleased to learn that the network’s customers receive a new SIM card to pop into their existing handset. Depending on how much you top up each month, you can buy a giffgaff goodybag, giving you unlimited texts and free minutes.

By selecting a £5 goodybag, for example, you’ll get unlimited texts for a whole month – so they’ll be no excuse for those of us on a budget not to stay in touch with friends and family.

Increase this to £10, and your free SIM card pay as you go deal will give you unlimited texts and unlimited mobile Internet for a month in addition to 100 free minutes to UK mobiles and landlines. This compares favourably to dishing out £30-£40 on a pay monthly contract, particularly if you are happy with your existing phone.

If you consider yourself a bit of a talker, then get the £15 goodybag, where you will receive all these benefits plus 300 minutes of free phone calls.

If your budget can stretch a little further and you simply can’t let go of your phone, then with the £35 you’ll be able to send unlimited texts, make unlimited phone calls and browse the Internet as much as you like for a whole month.  Aside from these fantastic offers, texts cost just 4p while calls are priced at just 8p per minute.

With a giffgaff SIM card, you have the power – perhaps you want to make lots of phone calls over the next month and spend £15, maybe things are tighter the next and you just want to take advantage of the unlimited texts offer. The choice is yours – and with budgeting such an important part of everyday life, you’ll find it easy to never have to pay more for your mobile than you have to.

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There are many perks to shopping online, and contrary to popular belief heading online to shop does not mean you have to give up any of your high end tastes.  In fact, if you selectively shop and keep your eye out for deals on select merchandise from John Lewis, Next, Boots, and other popular high street shops you may actually find that with the money you save you can make more high end purchases than you have become accustomed to.

This is because shopping online is not only convenient, but it is much easier than heading to a shop and sorting through rack after rack of clothes looking for sale items that fits your tastes and your size.  When you head to an online shop website you can simply enter your own search perimeters such as sale items, clearance items, or the price ranges that you would like to view.  Once you find the perfect item all you have to do is click on your size and your journey is complete.

However, that’s not the only advantage of shopping online and saving money, because if you are an educated retail shopper online you will know how to be on the lookout for voucher codes and discount promotion codes that can help you save more off your entire purchase.

Many of the top retail shops across the UK offer heavy discounts of 15-20% off your entire purchase every few months simply for signing up for their online shopping website which is like walking into the retail shop with a golden sale pass in your hand.

Only you have another golden pass in your hand, the guarantee that your size will be in shop because when you shop online you have access to the entire warehouse inventory and not just what is currently in one particular shop.  For those who always have trouble finding their size, this is an advantage that is hard to match.

The best part is there is no limit to what you can buy online once you start working your way through the online websites of your favourite retailers.  From boots to shoes to sunglasses to swimwear to everyday fashions you can find almost anything online today plus a few more things that you probably never considered before.

If you can find it on the high street, you can find it online but at a much better price in most cases.  Add in the fact that to compare prices all you have to do is open another web browser instead of travel to two or more shops, and you have the setting for the easiest shopping trip ever located on the largest mall in the world, the internet.

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