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SAVING MONEY AT WORK?

It may seem strange that you can save or make extra money from your job or career, but here are some interesting tips which may help you;

Getting to and from work

More and more people are working from home and many jobs can now be done from home electronically using a computer, web site and email. The frequency of visits to the office can thus be reduced from daily to maybe at best one or two a month. Review you task and suggest to your manager, it can save a lot of stress, time and cost even if you do it some of the working week.

Our web site http://www.smallbusiness-support.net discusses how to set up small businesses many of which can be run successfully from a home base.

If you have to travel to work then our section saving money on travel will help look at your modes of travel and ways you can reduce costs.

Save on tax with what you wear

Some employers will, if the task requires it, supply footwear (e.g. safety boots) , uniforms, overalls and other types of wearing apparel. Make sure you get enough for your needs and get new ones as the others wear out, get damaged or are lost.

The actual cleaning and maintenance of special wear is down to you, BUT you can claim this expense off your tax - many employers will arrange this direct and reduce your tax paid, otherwise you will need to contact your local tax office for details of how to claim.

Asking for a raise

Large firms often announce wage and salary reviews each year automatically so individual negotiations can be reduced. Unions can negotiate for all their members on a collective basis so most employees go along with everyone else and take what is globally offered and agreed. Even if you are not a union member the bulk of employees usually are.

If you feel your tasks have CHANGED since you took the job you may wish to pursue a request for a review of your pay, or upgrading to a high pay level, which although as such is not a saving does mean mean more money in your pocket if you succeed.

Bear in mind these issues when trying to negotiate a raise;

• how long with the company or organisation, new starters have proved little to the firm.

• have your working hours or conditions changed?

• do you have more responsibility than you used to?

• is your task any more difficult or risky than it used to be?

• have you contributed to new ideas to improve efficiency or save money for the firm?

• have you asked for a raise before, if so what was the reason for rejection?

• how long since you had a raise? the longer, the stronger a case for one now.

Make sure you write down the REASONS why you think you DESERVE a raise.

Work based food and drink

• more than likely the expense of one or more meal breaks and drinks at work are down to you, however often a company may provide free or subsidised food and/or drink - take advantage of it, why spend your own money on things you can get free or cheaper?

• bring food and drink from home, sourced from normal your weekly shop, buying from small shops on route is often expensive and potentially not as good for you. Fresh fruit, rolls or sandwiches well wrapped or in an airtight lunch box can be both a healthy and thrifty snack.

Please feel free to Contact Us with questions or to give us information to add to our knowledge base.