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One of the easiest ways to make big savings is to buy online, but to anyone without a credit card this can be almost impossible. Now however there is a solution for anyone too young or lacking the creditworthiness required to get a card, or simply doesn't want the temptation. Extrem Cred is a new Maestro card that can be used just like a credit card but only with money added to the card, much like a pay as you go phone card. You pay only a small fee to buy the card (currently £8.95) and thereafter you just pay 70p each time you top up the card at your local post office. (You can also top up online or at paypoint terminals, but loading fees are higher.) There are no fees for using the card, other than overseas transactions and cash withdrawals - see site for full details. Alternatively, if you are simply completely new to credit, are self-employed or have a low income a Vanquis Visa Card could be a solution for you. With no annual fee, up to 56 days interest free on purchases and a free additional cardholder they offer the possibility of a Credit Card to the people that most financial institutions won't even consider. Typical APR 39.9% variable. Vanquis is wholly owned a subsidiary of Provident Financial plc. Full details are available from the Vanquis web site. www.pricerunner.co.uk When it comes to DVDs, CDs and computer games, the internet offers huge saving on high street prices, especially as most of the top sites now offer free delivery. Make a point of bookmarking the following three sites as between them you're virtually guaranteed to find whatever you're looking for at the best price available. If you're looking for a bargain, you won't do better than Savapoint. Not only do they offer a large selection of electronic goods and computer software, DVDs etc. at incredible prices (e.g. portable DVD player under £40) and ex-demo items at around half price or less, but they have pages of free items, where you only pay a token delivery cost of up to £2.99. These items usually retail for between £10 and £30 but some actually have retail prices in excess of £100 so are well worth checking out. Stock varies regularly so remember to visit often. Play.com is always my first port of call, particularly for DVDs as their prices are consistently lower than anywhere else. With free delivery on all orders, 24 hour dispatch on all in-stock titles and over 500 000 products to choose from, this has to be my favourite site. In addition to DVDs, you'll find Cds, games and books. If you're looking for the latest CDs, check out CD-Wow where the latest releases and top 75 albums are just £6.99 or £7.99 (and sometimes even less), or £10.99 for double albums. They also offer free worldwide delivery, and a "bargain basement" of older titles at even better prices. DVDs and games are also available. 
With free postage on orders over £19, and probably the biggest catalogue of products in one place, together with customer reviews on most items, Amazon.co.uk is always worth checking out. In addition to the enormous book shop that made their name, they now offer videos, DVDs, CDs, games, electronic equipment,toys and even home and garden equipment as well as an amazing marketplace where you can pick up new or secondhand goods for greater savings. Bestseller books at 50% off, Chart CDs at £8.49 and new release DVDs at least 25% off mean their prices are extremely competitive. Alternatively, instead of looking for the cheapest outlet to buy the latest films etc. why not download them for a fraction of the price, rent them or simply watch and swap. Here are the best in each sector: Free books, games, CDs and DVDs
 The official film downloads site, Vizumi offers a selection of great films from the likes of Universal, Warner Bros, 20th Century Fox and Sony Pictures. This service is 100% legal, 100% safe and 100% endorsed by the major Hollywood studios. Titles can be downloaded to rent from £2.99 or downloaded to keep from £4.99. Find out more from Vizumi Metaboli offer the chance to save a small fortune if you or any of your family regularly spend money on computer games. Metaboli is a new subscription service that allows you to legally download and play full versions of over 130 of the latest PC games for just a few pounds a month, with more added every month. I found several games my eldest son had been badgering me to buy. You can even download onto as many computers as you wish within the same subscription. Check out the list of current titles at http://www.homeworkinguk.com/metaboli.html
LOVEFiLM is a subscription service where for a monthly fee as little as £4.99 you select a wishlist of DVDs and games online,
receive them by 1st class post, watch them in your own time, return them in the Freepost envelope provided and
receive your next DVDs in exactly the same way. It’s a rolling exchange of DVDs and you can have up to 3 at
home at a time. 65,000 titles to choose from. FREE 14 day trial available from LOVEFiLM | |
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