Nearly 20 million consumers have never changed their mobile phone provider and could be missing out on considerable savings, according to a new study by Which? Mobile.

The consumer group’s poll found that 44% of people said they have never switched provider, while another 31% said they had not done so in the last two years.

Which? Mobile asked 8,001 members of the public about their experiences when switching mobile phone providers.

Some 48% of people who had switched provider said they were now spending less on their mobiles, as opposed to just 17% said they were spending more.

Which? Mobile said that consumers should take advantage of new and competitively priced tariffs that are being launched almost every day to make substantial savings on their phone bills.

Tom McLennan from Which? M

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I always find it fascinating when the business interests in this state complain about increased taxes and fees and then turn around and attempt to impose the same on their customers. Though I understand why trade groups like the Florida Chamber of Commerce and the Associated Industries of Florida put the interests of businesses above those of consumers, I do not understand how they can, in good faith, offer arguments so rife with hypocrisy.

This last legislative session, The Florida Chamber and AIF fought tooth-and-nail for the passage of Senate Bill 408. The Chamber even held an insurance symposium in an attempt to explain to Florida powerbrokers why 408’s changes were needed. I

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The advantages to a loan workout plan will be divided between a lender and a borrower. For the borrower, there is a chance to avoid default on the loan by creating a voluntary repayment agreement with the lender. Further, the borrower will typically repay only a fraction of the total cost owed. For the lender, a loan workout plan is essentially a way to settle a debt without going to court. Lenders typically recover only a small amount if a default does occur. With a loan workout plan, they can recover this small amount and completely avoid the expenses associated with an attempt to collect.

Students who have been working this summer should make sure that they are not paying unnecessary tax, says Mark Atherton in The Times. Everyone is allowed to earn up to £7,475 a year (the personal allowance) tax-free. But students may find employers deduct tax that they don’t have to pay.

Students who have tax wrongly deducted can make a claim by filling in form P50, but as a Revenue spokeswoman says, “It is much less hassle if you don’t have the tax deducted in the first place.” So make sure you fill in form P38(S) at . Similarly, students who have been working abroad who have been taxed automatically may be eligible for a refund. You’ll “probably be able to claim a deduction or credit in the UK”, says HMRC’s website. For a 10% commission plus handling fee, firms such as Taxback.com will do the work for you. Taxback.com clai

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I recently read about a CareerBuilder survey where 42 percent of Americans admit living paycheck to paycheck with around 21 percent admitting to paying late or missing at least one bill payment in the last year. Of those earning over six figures, six percent find themselves in the same boat – living paycheck to paycheck just to make ends meet – and many admit that they don’t make it without credit of some sort.

I know. I’ve lived that way before myself. It stinks. Paycheck to paycheck living is a recipe for financial disaster, lost sleep, strained marriages, and stress.

I broke MY personal paycheck to paycheck cycle by doing two things:

• I found a better paying job
• I drastically reduced my expenses through budgeting the YNAB way

I may not be able to help you find that better job (though you should read The Inner View of Your Interview) but when it comes to reducing expenses by budgeting, I have a lot of experience in that arena.

YNAB is short for You Need A Budget and it’s by far the best way to gain control of your finances. No, it is

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How does one assess if they will need a premier financial advisor? Let’s begin with asking yourself some basic questions. Firstly, ask yourself how much could you improve your financial situation? Well, the first possible answer that would come to your mind is that you have a good pay, settle your bills on time, and even have some spare money for saving and spending. Many individuals regard that as being sufficient, but that is because there is a lack of awareness about the financial opportunities that are available.

There is no denying that with time spent planning and implementing a well-researched financial arrangement will lead to results such as more spendable money for you and your family, better flexibility for any life changes, or even increase the protection against emergencies or mistakes. O Full Article…