deadcert .com

Welcome to deadcert.com. Money saving tips for everyone!

Don't upgrade your phone!

Free phones are nice but you're likely to get a better deal on a SIM only tariff - cheaper monthly charge and you won't be locked into a 12/18 month contract. Remember free phones are paid for by locking the price into the long term monthly tariff.

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Get the best rates.

To get the best rates, always research in Times/Telegraph or online, try to get a rate over the rate of inflation.

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Redundancy Payment - tax

Be aware how much redundancy payment can be worth to you - it can be a useful cash buffer so it is wise to have an idea how much you might get. If you're payment is below £30K and you have left your job then your tax rate goes down to 20% but remember you may have to pay more later if you resume work in the same tax year.

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