It’s July and the sun is shining but don’t let your finances burn a hole in your budget. Read on to find out how to be a bit savvier with your cash.

work you carried out, you may not be able to make a claim.

You can help to keep premiums down by declaring work that has been or is due to be completed and you must also ensure that any building work has been approved via a planning application.

Insurance is based on the cost of rebuilding a property – not on the value of a property, including the land it sits on.

Our home and contents insurance comparison tool helps highlight the best home and contents insurance deal for you. As well as being your most valuable asset your home is also the place you and your family live so it is always recommended to protect your home against damage by taking out buildings and contents Insurance. getting things done. We didn’t do it for money reasons it was more not leaving the kids with anything to sort out. When someone dies people end up just going through the motions and getting through the other end, so this means no one has to do any sorting out or decision making at an already emotional time.

“But, it’s good to know that my organisational skills may have saved the family a bit of money by freezing the price at today’s cost, rather than what a funeral might cost in the future. It’s good to know everything is done and dusted and out of the way.”

Carole and Terry aren’t the only Mirror readers to get their future sorted. Thousands have taken out the Prepaid Funeral Plan with Dignity, one of the UK’s leading funeral plan firms.

By planning and pre-paying you can freeze the cost at today’s prices, which could prove a smart financial decision as costs keep rising.

MGNM53ND Defrost food in the fridge rather than out in the kitchen – not only will it stop it potentially going off in the heat, but the defrosting food cools your fridge saving you money. You will need to give food more time to defrost this way.

Turn off your heating to ensure it doesn’t come on automatically during the night or when you are out of the house should the temperature drop.

If you have a conventional boiler and you have a timer for the hot water you may want to shorten the time it heats hot water – you probably don’t need as much during the summer months.