Apple provides plenty of free software to get you started with a new Mac but the applications provided with the operating system are sometimes quite limited in scope and leave a few gaps that can be quite frustrating, particularly if you're coming from a PC. Thankfully a large amount of functionality provided by the Apple supplied apps can be improved upon by some pretty impressive free (and sometimes open source) alternatives.
Here, then, is my list of the ten apps you should download onto every new Mac you buy.
I like to think I'm a very sensible credit card user. I treat my credit card as a charge card. I build up transactions over the month and then pay it all off in one go at the end of the month. I never over extend myself and accordingly, I never stumble upon any of these 12 ways your credit card company is ripping you off.
The £5 Repayment Trick
Most credit card companies set the minimum default payment to the monthly interest plus £5. This makes the repayment charge appear attractively low and a lot of people fall for this. If your debt is so big you can't pay it off in full at the end of the month, come up with a more reasonable repayment schedule that you can afford and ensure it's considerably higher than the minimum repayment.The Negative Payment Order Trick
This is where the ...
I'm sure I don't need to tell you that petrol is getting more and more expensive it'll keep going up, especially when VAT returns to 17.5% (or possibly higher with future governments). And with the government facing an ever-growing budget deficit, taxing motorists is easy cash.
So how can you cut your petrol costs? Well, there's the obvious expensive means: buy a smaller engined car. Convert to LPG. Buy a G-Wiz, Tesla (ooooo) or other electric car. I'm not interested in those. I'm interested in saving cash by not spending loads, so here's how I save a fortune on petrol short of walking or reverting to public transport.
Neglect. No More. • I've been neglecting this place recently - I've been so busy, I've not had a chance to even remember to breathe, let alone write tips on saving cash. Well, hopefully not for much longer.(0)
Thanks to Alastair Darling's latest budget, the price of beer (and other alcohol) has literally increased overnight. However you don't have to be affected by this. In fact you can actually cut the cost of beer by more than three quarters by brewing it yourself.
The initial outlay for a very good home brew kit is currently about £60 and you get everything you need to make your first 40 pints. The kit from Brew It Yourself includes:
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