Cheap clothes

One area of cheapness that's a constant fascination for me is cheap clothes. And luckily there are a lot of avenues to explore these days in terms of auction sites, second hand shops and so on. There's also some very good stuff on the high street too.

Why spend extra on clothes, especially when what you are buying is for a temporary situation e.g kid's clothes they'll grow out of soon enough, maternity clothes,  and so on.

And this is also the time of year when a few extra bargains could be had - what with all the snow that's been falling for weeks, it looks like the retailers haven't had as many shoppers in as normal for this time of year - which could well end up meaning pre-Christmas discounts. Yay...!

Assembling your own house might sound a bit too good to be true, but maybe one day that will be a good low cost way to live.

It's something that's been around in one form or another for a while, although maybe not in a snap-together way like this. The continuous advances in 3D printing and digital design will surely mean that the instant house is not far off.

Cheapness in finance

The how to save on financial products theme is one that you'll see referred to time and time again in the money sections of the newspapers. Things like how to make sure you transfer your credit card so that you can get a time of interest free credit, and so on. There will also be plenty of advice from the money pages on cheap bank loans.

But one area not so much talked about in terms of savings to be made is PMI (private medical insurance). This may be because people aren't aware that there are different types of policy to suit your needs, including ones where you go NHS and if the NHS wait is too long, then for eligible treatment you go private.

Individual health insurance and other types of insurance are worth checking out, or if you already hold policies it might be an idea to see what you are covered for and think about whether you need more or less cover. For instance if you have no dependants you may not need life assurance and so on.

Another are of finance to look out for is savings accounts - the interest amounts on these can vary enormously, so don't settle for a savings account that pays less. Get on the internet and find out who is offering the best product for your needs.