In the last 5 years Yes Car Credit have approved over 500,000 people who were unable to get car finance elsewhere. Joining them is probably much easier than you think. At Yes Car Credit they believe that no one should be denied the pleasure of owning a quality car just because they've had credit problems in the past or have no previous credit history.

AA Vehicle Membership 2 is included with every car

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Credit Card Balances

Credit Card companies are crying out for you to swap your existing balance to them. It's easier than you may think and you usually pay less interest or even 0% for a named period.

But it's all a bit confusing what with all those different rates and different reduced interest payment periods.

The Daily Mail offers an excellent credit card compare service on it's web site which you can access directly from here. Enter the name of your existing card, the outstanding balance, how much you spend on your card each month and it will calculate how much you can save by switching to any of the many other cards available.

Don't fib! - there's no point. You'll only get an inaccurate answer and besides the savings can be in £100s so it's best to get the best advice! There is also a useful credit card guide.

Remember to read the small print before applying for a card as you may not qualify for the advertised rate. And on some 0% transfer deals, conditions may apply.

• CREDIT CARD COMPARE TOOL
• CREDIT CARD GUIDE

The Lazy Man's Guide To Saving Money With His PC

OK so when you bought your PC you thought it would help you save money - perhaps by using it to keep track of your household accounts.

Personal money packages like Microsoft's MONEY are quite good at helping you budget and preventing the month being longer than your bank balance. Your computer though can save you much more through it's Internet connection.

So you need a loan, car insurance or are thinking of re-mortgaging - so how do you go about getting the best deal? Well you could take a week's holiday, lock yourself away somewhere with a phone surfacing only for coffee and natural breaks.

On the other hand, you could look at the website of one of the many 'comparison' sites now springing up on the net.

Essentially, these are companies that have realised comparing hundreds of possible deals for loans, insurance, mortgages and even electricity, gas and phone charges is mind numbingly boring to us humans.

On the other hands it's perfect for a computer - and a good idea for a business !

So they work on getting all the information available for all sorts of deals and then let the computer work out what's best.

Finally, let's not forget that when all else fails there's always The Lotto.

Now while we can't improve your chances of winning we can take the hassle of racing to the newsagents at the last minute away from you.

Signing up to buy your tickets couldn't be easier. You can buy your ticket for one draw or for several, you can choose your own numbers or play a 'Lucky Dip'.

What's more, Camelot will check your tickets for you and even e-mail you if you win!

Remember - If You Ain't In It You Can't Win It!