Going green needn’t cost the Earth

11.09.2018 by Jim Ker

A lot of us would like to make environmentally friendly changes but sometimes it can be hard to justify purchasing higher cost alternatives when juggling a stretched household budget. We have pulled together 8 lifestyle changes we could all make that may help save us some money too!

1. Keep some shopping bags in the boot of your car or the bottom of your bag so you don’t get caught short without your reusable bags when visiting the supermarket. Not only will it reduce plastic usage it could just save you some money too. It is estimated that the average family in the UK uses 800-1200 shopping bags each year, which equates to a £40 – £60 spend each year just on shopping bags!

2. Buy loose vegetables – these can often be cheaper in supermarkets than their over-packaged alternatives and can be emptied straight from your shopping bag to your vegetable rack. It might speed up the time it takes to unpack all your shopping too.

3. Try to avoid single-use products, such as snack packs / individual portions of food or airline sized toiletries. These often have a very large packaging to product ratio and cost considerably more than a larger size pack by volume. Could you buy a larger pack and fill it into smaller reusable containers to suit your needs?

4. Can you reduce cling film use? Why not use Tupperware with lids or wrap in reusable beeswax covers – you could make your own or buy on Amazon.

5. If you often purchase takeaway coffees, why not invest in a reusable cup to keep in your bag? Many coffee shops offer an incentive to use a reusable cup, such as Costa who discount their drinks by 25p each time you buy with a reusable cup.

6. Expecting to be out all day? Take a refillable bottle with you to avoid buying single-use bottled waters. This can save you money and reduce plastic consumption.

7. Get together with a group of friends and bulk buy toilet roll. Who Gives a Crap produce toilet paper from recycled and sustainable sources. 50% of their profits are donated to not for profit organisations working to improve access to hygiene, water and basic sanitation in developing countries. When we recently did our sums, we found bulk buying from WGAC to be cheaper than buying from Aldi.

8. Check your recycling. What items do you throw out most? Is there an alternative? Have you considered using a bar of soap rather than bottles of handwash and shower gel? These are often cheaper and can be purchased without any plastic packaging. Did you know that shampoo and conditioner can now be purchased in a solid form too? Lush Cosmetics claim to have saved 6 million bottles from being produced through selling shampoo bars globally rather than the bottled equivalents.

We’d love to hear any other suggestions you might have. Contact us and let us know!

Please Note: You must confirm you have read the key facts, before downloading this document.

Key Facts about our services and costs

1. The Financial Conduct Authority (FCA)

The FCA is the independent watchdog that regulates financial services. This document is designed by the FCA to be given to consumers buying certain financial products. You need to read this important document. It explains the service you are being offered and how you will pay for it.

2. Whose products do we offer?

We offer products from the whole market

We only offer products from a limited number of companies

We only offer our own products

3. Which service will we provide you with?

We will advise and make a recommendation for you after we have assessed your needs.

You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

We will provide basic advice on a limited range of stakeholder products and in order to do this we will ask some questions about your income, savings and other circumstances but we will not:

  • conduct a full assessment of your needs;
  • offer advice on whether a non-stakeholder product may be more suitable.

We can only offer products from Kingston Unity Friendly Society. These products will enable you to:

  • protect yourself and your loved ones in the event of death
  • save and invest with the added benefit of protecting yourself and your loved ones in the event of death
  • provide benefit cover in the event of sickness

4. What will you have to pay us for our services?

Normally, if you buy a financial product direct from us, there will be no payments such as commission or fees payable. If there are any commission or fees payable, we will tell you how we get paid and the amount before we carry out any business for you.

5. Who regulates us?

Kingston Unity Friendly Society, 9 Navigation Court, Calder Park, Wakefield, WF2 7BJ is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and .the Prudential Regulation Authority. Kingston Unity Friendly Society’s FCA Registered Number is 110056.

Kingston Unity Friendly Society permitted business is advising and arranging life assurance and pensions business.

You can check this on the FCA’s Register by visiting the FCA’s website www.fsa.gov.uk/register or by contacting the FCA on 0845 606 1234.

6. What to do if you have a complaint

If you wish to register a complaint, please contact us:
…in writing Write to Kingston Unity Friendly Society, Complaints Department, 9 Navigation Court, Calder Park, Wakefield, WF2 7BJ. …by phoneTelephone (01924) 240164

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

7. Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

Most types of insurance business are covered for 90% of the claim with no upper limit.