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KEEP AN APPY BUDGET<br />
In the UK, seven out of 10 people now own a smartphone. We use<br />
them to connect with family and friends, search for information, keep<br />
up to date with the news and even to find the way from A to B. But did<br />
you know that they are also great for saving money and helping you<br />
manage your budget?! Read about 4 free apps that can help you save.<br />
Checkout Smart & Shopatize<br />
Watch the savings build up on your<br />
weekly shop, even after you’ve left<br />
the supermarket by using cashback<br />
apps like CheckoutSmart and<br />
Shopatize. Sign up and receive<br />
exclusive access to offers from all your<br />
favourite supermarket brands, including<br />
freebies. Use your phone to scan<br />
your receipt and earn cash back from<br />
everyday purchases.<br />
FoodMatic Lite<br />
If you’re looking for a way to cut food<br />
waste and don’t mind being a bit<br />
adventurous, Foodmatic is the perfect<br />
app for you. All you need to do is raid<br />
your cupboards and fridge, enter all the<br />
ingredients you have into Foodmatic<br />
and use the suggested recipes to whip<br />
up something delicious.<br />
Spendometer<br />
The Spendometer app allows you to<br />
keep tabs on your spending. You can<br />
easily set a budget, log every spend<br />
and keep track with simple reports. The<br />
Spendometer shows you how much<br />
of your money has been spent so far<br />
in a given week or month ensuring you<br />
make the most of your money.<br />
MySupermarket<br />
MySupermarket makes sure you<br />
never overpay on your groceries by<br />
comparing thousands of products,<br />
so you don’t have to. Their prices<br />
are updated daily from all the major<br />
supermarkets including Tesco, Asda<br />
and Sainsbury’s.<br />
PUTTING SERVICE<br />
CHARGE UNDER THE<br />
MICROSCOPE<br />
Service charges cover the communal<br />
cost of keeping your neighbourhood<br />
safe and tidy. This can cover the cost<br />
of things like window cleaning,<br />
maintenance of door entry systems<br />
and fire extinguishers, keeping the<br />
grounds tidy or cleaning communal<br />
corridors.<br />
These costs will vary, depending on<br />
where you live, but you will only pay<br />
for the services you receive.<br />
How is my Service<br />
Charge Calculated?<br />
At the beginning of each year we try<br />
to estimate the costs of the services<br />
we aim to provide at your scheme<br />
throughout the coming year. Once<br />
we have identified a cost for this<br />
work the total is divided evenly<br />
between all tenants at that scheme<br />
and the service charge per tenant is<br />
then spread out so that it’s paid over<br />
52 weeks.<br />
Sometimes, at the end of the<br />
year, when we compare our actual<br />
service costs to the amount we<br />
had estimated these amounts don’t<br />
match. If we have over estimated<br />
and charged too much during the<br />
year, we will charge you less the<br />
following year to make up for it. In<br />
just the same way, if we have under<br />
estimated, this will be built into your<br />
service charge for the following year.<br />
Example Service<br />
Charge Calculation<br />
Cost of work<br />
£50,000<br />
100 tenants 52 weeks<br />
£2,000<br />
+<br />
overspend<br />
÷<br />
in previous<br />
year<br />
÷ =<br />
Weekly<br />
service<br />
charge of<br />
£10<br />
Clanmil Housing Group | 9
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