How to save money on a child's buggy | Money

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Here he looks at how to save money on a buggy</p> </div> <ul id="content-actions" class="strapped"> <li> <div class="pluck-init-block" id="comment-info-related"> <a href="http://web.archive.org/web/20090730010626/http://www.guardian.co.uk/money/2009/jul/29/saving-money-buggy?commentpage=1" class="comment-count-info comment-icon">Comments (<span class="comment-count">…</span>)</a> </div> </li> <li class="third-party-tool "> <a id="buzzlink" href="http://web.archive.org/web/20090730010626/http://buzz.yahoo.com/buzz?publisherurn=the_guardian665&targetUrl=http://www.guardian.co.uk/money/2009/jul/29/saving-money-buggy&summary=%3Cstrong%3EMarc+Lockley%3C%2Fstrong%3E+is+%3Cstrong%3Ethe+Negotiator%3C%2Fstrong%3E.+Here+he+looks+at+how+to+save+money+on+a+buggy&headline=How to save money on a child's buggy |Money |guardian.co.uk">Buzz up!</a> </li> <li class="third-party-tool"> <a id="digglink" href="http://web.archive.org/web/20090730010626/http://digg.com/submit?url=http%3A%2F%2Fwww.guardian.co.uk%2Fmoney%2F2009%2Fjul%2F29%2Fsaving-money-buggy&title=How+to+save+money+on+a+child%27s+buggy">Digg it</a> </li> </ul> </div> <div id="content"> <ul class="article-attributes"> <li class="byline"> Marc Lockley </li> <li class="publication"> <a href="http://web.archive.org/web/20090730010626/http://www.guardian.co.uk/" name="&lid={contentTypeByline}{guardian.co.uk}&lpos={contentTypeByline}{1}">guardian.co.uk</a>, Wednesday 29 July 2009 00.00 BST </li> </ul> <div id="article-wrapper"> <div class="image"> <img src="http://web.archive.org/web/20090730010626im_/http://static.guim.co.uk/sys-images/Guardian/About/General/2009/7/28/1248788915221/pushchair-001.jpg" width="460" height="276" alt="pushchair"/> <p class="caption">Find a bargain, but make sure the wheels don't fall off. Photograph: Tatjana Alvegard/Getty Images</p> </div> <p>The joy that a baby brings is beyond anything money can buy – less enjoyable are the mounting bills. Earlier this year it was claimed that <a href="http://web.archive.org/web/20090730010626/http://www.guardian.co.uk/money/2009/jan/23/child-care-costs" title="Average cost of raising a child nears £200,000">in the first year alone parents fork out an average of £9,000</a> on bringing up their child. You might not need all the accessories that baby stores and manufacturers will try to sell you in your new role as a parent, but a pushchair will be vital. This can be a costly item, but there are ways to cut costs, whether you are going for the top of the range super deluxe or a budget buggy.</p><p></p><p></p><p><h2>Think about what you need</h2></p><p>There are almost as many kinds of pushchairs as there are models of cars. Take time to consider which one will suit your lifestyle. Are you a keen walker? If so, you might want a more rugged chair to climb those hills. Do you live in a third-floor flat? You should maybe look for a lightweight model. How long do expect to use it? Do you need multiple seat positions for the chair to last through the years? <a href="http://web.archive.org/web/20090730010626/http://www.mumsnet.com/" title="Mumsnet">Mumsnet</a> has a useful <a href="http://web.archive.org/web/20090730010626/http://www.mumsnet.com/guides/pushchairs_from_birth.html" title="Beginner's guide to buying a pushchair">Beginner's guide to buying a pushchair</a> which lays out the main options. Having decided what type of pushchair you are after, you can visit retailers like <a href="http://web.archive.org/web/20090730010626/http://www.mothercare.com/" title="Mothercare website">Mothercare</a> or <a href="http://web.archive.org/web/20090730010626/http://www.mamasandpapas.co.uk/" title="Mamas and Papas website">Mamas & Papas</a> to see what models are available in your chosen category.</p><p></p><p><h2>Search for the best price</h2></p><p>Start with an online search for your chosen model. You could be surprised by how much prices vary – one popular pushchair varied in price by 20% among retailers. Put the make and model into a search engine and visit price comparison sites like <a href="http://web.archive.org/web/20090730010626/http://www.kelkoo.co.uk/c-100450323-pushchairs-strollers.html" title="Kelkoo pushchair comparison">Kelkoo</a> and <a href="http://web.archive.org/web/20090730010626/http://www.pricerunner.co.uk/cl/674/Pushchairs" title="Pricerunner pushchair comparison">Pricerunner</a> to get the price range. Factor in any discounts you can find on voucher websites. <a href="http://web.archive.org/web/20090730010626/http://www.myvouchercodes.co.uk/discounts/mothercare.co.uk" title="Save 10% at Mothercare">Myvouchercodes has a voucher offering 10% off at Mothercare</a>, and often offers discounts at a variety of stores.</p><p>Also reductions are frequently made for older models – the new one often only has minor changes that you might not even notice.</p><p>Make sure you are comparing like-for-like as pushchairs can come with valuable added extras like cosytoes for winter and rain covers for all year round British weather. Make a crib sheet (excuse the pun) of facts and prices and take it to the stores.</p><p></p><p><h2>Strength in numbers</h2></p><p>Approaching a store with buying power can bring great reward – whether it just for a buggy or a larger range of items. Through ante-natal classes you will have met other parents-to-be. If several of you get together you can have a go at getting a group discount. Say something like "we will offer you around £1,500 worth of business if you guarantee a discount". Most stores will fall over backwards to gain this amount of trade, especially if you call on a Tuesday morning when shops are notoriously quiet. Alternatively make a proposal: "If you give us 10% discount on all items and a free pack of nappies each we will guarantee you over £1,500 worth of business today."</p><p></p><p><h2>In-store tactics</h2></p><p>In most cases it is evident to the retailer you intend to buy as you will either be pregnant or have a baby in tow. You could ask a friend to do the purchasing for you – he or she may be less emotionally attached and more like to bag a bargain. They could say something like they are not sure whether to buy a present or open up a bank account with the money.</p><p>When you go into the store speak to a senior member of staff and make them aware of the various bargains you can get elsewhere, but tell them if they are prepared to offer you a deal you would be happy to buy now. Show models could be offered cheaper and should carry the same guarantees as boxed versions. Don't try to be a tough aggressive trader as friendliness wins out most of the time.</p><p>If it's a general baby store you are likely to buy a few items. If so, start by saying to the salesperson you are interested in one or two items (generally the most expensive) and see if you can get the cheaper items for free as well as a discount on the larger items. For example, "I will buy the pushchair and cosytoes for £130 if you throw in a baby bath."</p><p>Wherever you end up purchasing your buggy, make sure you take it for a test drive beforehand, as height, weight and strolling comfort are all-important factors in your purchase.</p><p></p><p><h2>Second-hand strollers</h2></p><p>Buying second-hand baby items can cut costs considerably, however only buy pushchairs that comply with the <a href="http://web.archive.org/web/20090730010626/http://www.tradingstandards.gov.uk/advice/problemswithgoods-sum20.cfm" title="Buying a pram or pushchair - what you should know">British Standard safety rules</a>. Make sure it is in good working order, <a href="http://web.archive.org/web/20090730010626/http://www.babycentre.co.uk/baby/buyingforbaby/knowhow/secondhand" title="Buying second-hand">Babycentre shows you checks</a> you can make and places you can go to buy second-hand baby items. Tell us about your second-hand buying experiences too.</p><p></p><p><h2>Useful sites</h2></p><p>Make full use of your all terrain pushchair and soak up some free fresh air, <a href="http://web.archive.org/web/20090730010626/http://www.pushchairwalks.co.uk/" title="pushchairwalks.co.uk">pushchairwalks.co.uk</a> will send you walking routes for pushchairs for £1 a go. Whether it's for raising a child or childcare costs it's worth checking out <a href="http://web.archive.org/web/20090730010626/http://www.direct.gov.uk/en/MoneyTaxAndBenefits/TaxCreditsandChildBenefit/index.htm" title="Directgov">Directgov</a> as you could be entitled to thousands of pounds each year.</p> </div> </div> <div id="related"> <ul id="article-toolbox-side"> <li class="printable"><a href="http://web.archive.org/web/20090730010626/http://www.guardian.co.uk/money/2009/jul/29/saving-money-buggy/print" rel="nofollow" id="printlink" class="printable rollover" title="Link to a printer-friendly version" name="&lid={pageToolbox}{Printer-friendly version}&lpos={pageToolbox}{1}"><img src="http://web.archive.org/web/20090730010626im_/http://static.guim.co.uk/static/77051/common/images/icon_print.gif" alt="Print this" class="trail-icon"/><span>Printable version</span></a></li> <li><a class="rollover sendlink" 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finances}&lpos={inlineKeyword}{4}" rel="tag">Family finances</a> </li> </ul> <h3><a href="http://web.archive.org/web/20090730010626/http://www.guardian.co.uk/lifeandstyle" name="&lid={inlineKeyword}{Life and style}&lpos={inlineKeyword}{5}">Life and style</a></h3> <ul class="relatedlinks-keywords"> <li> <a href="http://web.archive.org/web/20090730010626/http://www.guardian.co.uk/lifeandstyle/family" name="&lid={inlineKeyword}{Family}&lpos={inlineKeyword}{6}" rel="tag">Family</a> </li> </ul> <h3>Series</h3> <ul class="relatedlinks-keywords"> <li> <a href="http://web.archive.org/web/20090730010626/http://www.guardian.co.uk/money/series/the-negotiator" name="&lid={inlineKeyword}{The Negotiator}&lpos={inlineKeyword}{7}">The Negotiator</a> </li> </ul> </div> <div id="manual-trailblock"> <ul> <li class="picture first-trail "> <div class="pictureurl"> <a href="http://web.archive.org/web/20090730010626/http://www.guardian.co.uk/money/2009/jul/01/loft-conversion-saving-money" 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class="title"/> <col class="rate"/> <col class="more-info"/> <thead> <tr> <th scope="col">Lender</th> <th scope="col">Initial rate</th> <td></td> </tr> </thead> <tbody> <tr> <th scope="row" class="finance-row">First Direct</th> <td>2.98%</td> <td id="1.moreInfo"> <a href="http://web.archive.org/web/20090730010626/http://guardian.lcplc-online.co.uk/BestBuy.aspx?GUProdID=3667&Type=F" name="&lid={compareAndBuyPromo}{First Direct|link|Money}&lpos={compareAndBuyPromo}{1}"> More </a> </td> </tr> <tr> <th scope="row" class="finance-row">Yorkshire BS</th> <td>3.99%</td> <td id="2.moreInfo"> <a href="http://web.archive.org/web/20090730010626/http://guardian.lcplc-online.co.uk/BestBuy.aspx?GUProdID=3350&Type=F" name="&lid={compareAndBuyPromo}{Yorkshire BS|link|Money}&lpos={compareAndBuyPromo}{2}"> More </a> </td> </tr> <tr> <th scope="row" class="finance-row">First Direct</th> <td>2.98%</td> <td id="3.moreInfo"> <a href="http://web.archive.org/web/20090730010626/http://guardian.lcplc-online.co.uk/BestBuy.aspx?GUProdID=3667&Type=V" name="&lid={compareAndBuyPromo}{First Direct|link|Money}&lpos={compareAndBuyPromo}{3}"> More </a> </td> </tr> </tbody> </table> </div> <ul> <li class="link info"> <a href="http://web.archive.org/web/20090730010626/http://guardian.lcplc-online.co.uk/bestbuy.aspx" name="&lid={compareAndBuyPromo}{See more mortgage best buys|link|Money}&lpos={compareAndBuyPromo}{4}"> See more mortgage best buys </a> </li> <li class="link bullet"> <a href="http://web.archive.org/web/20090730010626/http://guardian.lcplc-online.co.uk/Wizard1.aspx" name="&lid={compareAndBuyPromo}{Get a personal quote|link|Money}&lpos={compareAndBuyPromo}{5}"> Get a personal quote </a> </li> </ul> </div> <div id="finance-pane-1" class="finance-pane"> <div class="finance-table"> <table id="credit-card-table"> <col class="title"/> <col class="rate"/> <col class="more-info"/> <thead> <tr> <th scope="col">Name</th> <th scope="col">BT Rate</th> <th scope="col">BT Period</th> <th scope="col"></th> </tr> </thead> <tbody> <tr> <th scope="row" class="finance-row">Virgin Credit Card</th> <td>0%</td> <td>16 mths</td> <td id="1.moreInfo"> <a href="http://web.archive.org/web/20090730010626/http://www.moneysupermarket.com/CardsP/DoIQualifyExternal.asp?CardID=671&ProviderID=790&Source=GU07&BestBuy=1&Url=http://ad.uk.doubleclick.net/clk;207240094;29508258;g?http://uk.virginmoney.com/credit-cards/?source=MSP-AGG-50562-55903~amp~targetURL=/virgin/credit-cards-v7&CatID=163" name="&lid={compareAndBuyPromo}{Virgin Credit Card|link|Money}&lpos={compareAndBuyPromo}{6}"> More </a> </td> </tr> <tr> <th scope="row" class="finance-row">NatWest Platinum</th> <td>0%</td> <td>15 mths</td> <td id="2.moreInfo"> <a href="http://web.archive.org/web/20090730010626/http://www.moneysupermarket.com/CardsP/DoIQualifyExternal.asp?CardID=1224&ProviderID=352&Source=GU07&BestBuy=1&Url=http://clk.atdmt.com/NAT/go/136621154/direct/01/&CatID=163" name="&lid={compareAndBuyPromo}{NatWest Platinum|link|Money}&lpos={compareAndBuyPromo}{7}"> More </a> </td> </tr> <tr> <th scope="row" class="finance-row">MBNA Platinum</th> <td>0%</td> <td>Until 01/09/2010</td> <td id="3.moreInfo"> <a href="http://web.archive.org/web/20090730010626/http://www.moneysupermarket.com/CardsP/DoIQualifyExternal.asp?CardID=1300&ProviderID=553&Source=GU07&BestBuy=1&Url=http://clk.atdmt.com/OUT/go/151830639/direct/01/&CatID=163" name="&lid={compareAndBuyPromo}{MBNA Platinum|link|Money}&lpos={compareAndBuyPromo}{8}"> More </a> </td> </tr> </tbody> </table> </div> <ul> <li class="link info"> <a href="http://web.archive.org/web/20090730010626/http://www.moneysupermarket.com/link.asp?Source=GU07&Section=cardsbestbuys" name="&lid={compareAndBuyPromo}{See more credit cards best buys|link|Money}&lpos={compareAndBuyPromo}{9}"> See more credit cards best buys </a> </li> <li class="link bullet"> <a href="http://web.archive.org/web/20090730010626/http://www.moneysupermarket.com/link.asp?Source=GU07&Section=cards" name="&lid={compareAndBuyPromo}{Compare over 300 credit cards|link|Money}&lpos={compareAndBuyPromo}{10}"> Compare over 300 credit cards </a> </li> </ul> </div> <div id="finance-pane-2" class="finance-pane"> <div class="finance-table"> <table id="loan-table"> <col class="title"/> <col class="rate"/> <col class="more-info"/> <thead> <tr> <th scope="col">Provider</th> <th scope="col">Typical APR</th> <th scope="col"></th> </tr> </thead> <tbody> <tr> <th scope="row" class="finance-row">Sainsbury's Personal Loan</th> <td>7.9%</td> <td id="1.moreInfo"> <a href="http://web.archive.org/web/20090730010626/http://www.moneysupermarket.com/loansp/LoansExternalDb_new.asp?LoansId=1562&BestBuy=1&Source=GU07&Url=http://www.sainsburysbank.co.uk/borrowing/micro/bor_loans_ms_apply.shtml?source=NETMSBBDLOANMSIT0001" name="&lid={compareAndBuyPromo}{Sainsburys Personal Loan|link|Money}&lpos={compareAndBuyPromo}{11}"> More </a> </td> </tr> </tbody> </table> </div> <ul> <li class="link info"> <a href="http://web.archive.org/web/20090730010626/http://www.moneysupermarket.com/link.asp?Source=GU07&Section=loansbestbuys" name="&lid={compareAndBuyPromo}{See more loan best buys|link|Money}&lpos={compareAndBuyPromo}{12}"> See more loan best buys </a> </li> <li class="link bullet"> <a href="http://web.archive.org/web/20090730010626/http://www.moneysupermarket.com/link.asp?Source=GU07&Section=loans" name="&lid={compareAndBuyPromo}{Compare over 500 loan providers|link|Money}&lpos={compareAndBuyPromo}{13}"> Compare over 500 loan providers </a> </li> </ul> </div> </div> </div> <div class="capsule commercial"> <h3>Free finance guides</h3> <div class="services first"><a href="http://web.archive.org/web/20090730010626/http://www.dianomioffers.co.uk/partner/guardian/brochures.epl" name="&lid={financialServicesBrochures}{View all brochures}&lpos={financialServicesBrochures}{1}"><img src="http://web.archive.org/web/20090730010626im_/http://static.guim.co.uk/sys-images/Money/Consumer/financialservicesbrochures/2008/10/29/Investment-Trust.gif" alt="View all brochures" height="78" width="130"/></a></div> <ul class="services"> <li><a href="http://web.archive.org/web/20090730010626/http://www.moneyguides.co.uk/partner/guardian/brochures.epl?partner=117&smartreferer=http%3A%2F%2Fwww%2Eogenterprises%2Eco%2Euk%2Findex%2Ehtml&offer=6839" name="&lid={financialServicesBrochures}{Recession investing}&lpos={trail}{2}">Recession investing</a></li> <li><a href="http://web.archive.org/web/20090730010626/http://www.onlinetradingservices.co.uk/partner/guardian/brochures.epl?partner=117&smartreferer=http%3A%2F%2Fwww%2Eogenterprises%2Eco%2Euk%2Findex%2Ehtml&offer=1909" name="&lid={financialServicesBrochures}{Online trading}&lpos={trail}{3}">Online trading</a></li> <li><a href="http://web.archive.org/web/20090730010626/http://www.isabrochures.co.uk/partner/guardian/brochures.epl?partner=117&smartreferer=http%3A%2F%2Fwww%2Eogenterprises%2Eco%2Euk%2Findex%2Ehtml&offer=1904" name="&lid={financialServicesBrochures}{ISAs}&lpos={trail}{4}">ISAs</a></li> </ul> <ul class="sublinks"> <li><a href="http://web.archive.org/web/20090730010626/http://www.dianomioffers.co.uk/partner/guardian/brochures.epl" name="&lid={financialServicesBrochures}{View all brochures}&lpos={financialServicesBrochures}{5}">View all brochures</a></li> </ul> </div> <div class="capsule commercial slot"> <h3>Compare insurance</h3> <p class="linktext"> <a href="http://web.archive.org/web/20090730010626/http://www.money-deals.co.uk/travelinsurance.html" class="first" name="&lid={commercialSlotMachine}{Travel insurance}&lpos={trail}{1}">Travel insurance</a> </p> <a href="http://web.archive.org/web/20090730010626/http://www.money-deals.co.uk/travelinsurance.html" class="services first" name="&lid={commercialSlotMachine}{Travel insurance}&lpos={trail}{2}"> <img src="http://web.archive.org/web/20090730010626im_/http://static.guim.co.uk/sys-images/Guardian/Pix/commercial/2008/09/11/passport-and-money-travel-insurance-promo.jpg" alt="" height="78" width="130"/> </a> <p class="services">Book your annual multi-trip holiday insurance from £39 and single trip travel insurance from £2.50</p> </div> <div class="capsule commercial"> <h3>Property search</h3> <script type="text/javascript"> //<![CDATA[ function hb_find_a_house(buyOrRent, position) { _hbLink('{find a house}{'+ buyOrRent +'|Money}','{find a house}{'+ position +'}'); return true; } if (document.getElementById && document.getElementsByTagName && document.createTextNode) { addEvent(window, "load", initShowProperty); } function initShowProperty() { var toggleProperty = document.getElementById('find-a-property'); var propertyTabs = toggleProperty.getElementsByTagName('a'); for (var i = 0; i < propertyTabs.length; i++) { propertyTabs[i].onclick = function() { showPropertyTab(this); return false; } } } function showPropertyTab(s) { hidePropertyTab(); var id = s.href.match(/#(\w.+)/)[1]; document.getElementById(id).style.display = 'block'; } function hidePropertyTab() { var toggleable = document.getElementById('toggleable').getElementsByTagName('div'); for (var i = 0; i < toggleable.length; i++) { toggleable[i].style.display = 'none'; } } //]]> </script> <div id="find-a-property"> <ul class="tab-toggle"> <li> <a href="#find-a-house-to-buy">Buy<b></b></a> </li> <li> <a href="#find-a-house-to-rent" class="inactive">Rent<b></b></a> </li> </ul> <div id="toggleable"> <div id="find-a-house-to-buy"> <form onsubmit="hb_find_a_house('buy', 1)" target="_top" method="post" action="http://web.archive.org/web/20090730010626/http://www.thinkproperty.com/guardian/property/search" id="propertysearchform"> <fieldset> <legend>Buy</legend> <p> <label for="geo">Location:</label> <input name="geo" id="geo" type="text"/> <input name="aliasid" id="alias" value="0" type="hidden"/> </p> <p> <label for="lop">Minimum price:</label> <select name="lop"> <option value="20000">£20,000</option> <option value="30000">£30,000</option> <option value="40000">£40,000</option> <option value="50000">£50,000</option> <option value="60000">£60,000</option> <option value="70000">£70,000</option> <option value="80000">£80,000</option> <option value="90000">£90,000</option> <option value="100000">£100,000</option> <option value="110000">£110,000</option> <option value="120000">£120,000</option> <option value="130000">£130,000</option> <option value="140000">£140,000</option> <option value="150000">£150,000</option> <option value="160000">£160,000</option> <option value="170000">£170,000</option> <option value="180000">£180,000</option> <option value="190000">£190,000</option> <option value="200000">£200,000</option> <option value="225000">£225,000</option> <option value="250000">£250,000</option> <option value="275000">£275,000</option> <option value="300000">£300,000</option> <option value="325000">£325,000</option> <option value="350000">£350,000</option> <option value="375000">£375,000</option> <option value="400000">£400,000</option> <option value="425000">£425,000</option> <option value="450000">£450,000</option> <option value="475000">£475,000</option> <option value="500000">£500,000</option> <option value="600000">£600,000</option> <option value="700000">£700,000</option> <option value="800000">£800,000</option> <option value="900000">£900,000</option> <option value="1000000">£1,000,000</option> <option value="1100000">£1,100,000</option> <option value="1200000">£1,200,000</option> <option value="1300000">£1,300,000</option> <option value="1400000">£1,400,000</option> <option value="1500000">£1,500,000</option> <option value="1600000">£1,600,000</option> <option value="1700000">£1,700,000</option> <option value="1800000">£1,800,000</option> <option value="1900000">£1,900,000</option> <option value="2000000">£2,000,000</option> <option value="2100000">£2,100,000</option> <option value="2200000">£2,200,000</option> <option value="2300000">£2,300,000</option> <option value="2400000">£2,400,000</option> <option value="2500000">£2,500,000</option> <option value="2600000">£2,600,000</option> <option value="2700000">£2,700,000</option> <option value="2800000">£2,800,000</option> <option value="3000000">£3,000,000</option> </select> </p> <p> <label for="hip">Maximum price:</label> <select name="hip"> <option value="20000">£20,000</option> <option value="30000">£30,000</option> <option value="40000">£40,000</option> <option value="50000">£50,000</option> <option value="60000">£60,000</option> <option value="70000">£70,000</option> <option value="80000">£80,000</option> <option value="90000">£90,000</option> <option value="100000">£100,000</option> <option value="110000">£110,000</option> <option value="120000">£120,000</option> <option value="130000">£130,000</option> <option value="140000">£140,000</option> <option value="150000">£150,000</option> <option value="160000">£160,000</option> <option value="170000">£170,000</option> <option value="180000">£180,000</option> <option value="190000">£190,000</option> <option value="200000">£200,000</option> <option value="225000">£225,000</option> <option value="250000">£250,000</option> <option value="275000">£275,000</option> <option value="300000">£300,000</option> <option value="325000">£325,000</option> <option value="350000">£350,000</option> <option value="375000">£375,000</option> <option value="400000">£400,000</option> <option value="425000">£425,000</option> <option value="450000">£450,000</option> <option value="475000">£475,000</option> <option value="500000">£500,000</option> <option value="600000">£600,000</option> <option value="700000">£700,000</option> <option value="800000">£800,000</option> <option value="900000">£900,000</option> <option value="1000000">£1,000,000</option> <option value="1100000">£1,100,000</option> <option value="1200000">£1,200,000</option> <option value="1300000">£1,300,000</option> <option value="1400000">£1,400,000</option> <option value="1500000">£1,500,000</option> <option value="1600000">£1,600,000</option> <option value="1700000">£1,700,000</option> <option value="1800000">£1,800,000</option> <option value="1900000">£1,900,000</option> <option value="2000000">£2,000,000</option> <option value="2100000">£2,100,000</option> <option value="2200000">£2,200,000</option> <option value="2300000">£2,300,000</option> <option value="2400000">£2,400,000</option> <option value="2500000">£2,500,000</option> <option value="2600000">£2,600,000</option> <option value="2700000">£2,700,000</option> <option value="2800000">£2,800,000</option> <option value="3000000" selected="selected">£3,000,000+</option> </select> </p> <p> <label for="bed">Min bedrooms:</label> <select name="bed" id="bed"> <option value="0" selected="selected">No preference</option> <option value="1">1+</option> <option value="2">2+</option> <option value="3">3+</option> <option value="4">4+</option> <option value="5">5+</option> </select> <input name="dbtype" value="1" type="hidden"/> </p> <p class="results"> <input name="submit" id="searchnow" title="Search for properties" value="Search now" type="submit"/> </p> </fieldset> </form> </div> <div id="find-a-house-to-rent" class="initially-off"> <form onsubmit="hb_find_a_house('rent', 2)" target="_top" method="post" action="http://web.archive.org/web/20090730010626/http://www.thinkproperty.com/guardian/property/search" id="propertysearchform"> <fieldset> <legend>Rent</legend> <p> <label for="geo">Location:</label> <input name="geo" id="geo" type="text"/> <input name="aliasid" id="alias" value="0" type="hidden"/> </p> <p> <label for="lop">Minimum price:</label> <select name="lop"> <option value="0" selected="selected">£0 pcm</option> <option value="100">£100 pcm</option> <option value="200">£200 pcm</option> <option value="300">£300 pcm</option> <option value="400">£400 pcm</option> <option value="500">£500 pcm</option> <option value="600">£600 pcm</option> <option value="700">£700 pcm</option> <option value="800">£800 pcm</option> <option value="900">£900 pcm</option> <option value="1000">£1,000 pcm</option> <option value="1250">£1,250 pcm</option> <option value="1500">£1,500 pcm</option> <option value="1750">£1,750 pcm</option> <option value="2000">£2,000 pcm</option> <option value="3000">£3,000 pcm</option> <option value="4000">£4,000 pcm</option> <option value="5000">£5,000 pcm</option> <option value="6000">£6,000 pcm</option> <option value="7000">£7,000 pcm</option> <option value="8000">£8,000 pcm</option> <option value="10000">£10,000 pcm</option> </select> </p> <p> <label for="hip">Maximum price:</label> <select name="hip"> <option value="0">£0 pcm</option> <option value="100">£100 pcm</option> <option value="200">£200 pcm</option> <option value="300">£300 pcm</option> <option value="400">£400 pcm</option> <option value="500">£500 pcm</option> <option value="600">£600 pcm</option> <option value="700">£700 pcm</option> <option value="800">£800 pcm</option> <option value="900">£900 pcm</option> <option value="1000">£1,000 pcm</option> <option value="1250">£1,250 pcm</option> <option value="1500">£1,500 pcm</option> <option value="1750">£1,750 pcm</option> <option value="2000">£2,000 pcm</option> <option value="3000">£3,000 pcm</option> <option value="4000">£4,000 pcm</option> <option value="5000">£5,000 pcm</option> <option value="6000">£6,000 pcm</option> <option value="7000">£7,000 pcm</option> <option value="8000">£8,000 pcm</option> <option value="10000" selected="selected">£10,000 pcm</option> </select> </p> <p> <label for="bed">Min bedrooms: </label> <select name="bed" id="bed"> <option value="0" selected="selected">No preference</option> <option value="1">1+</option> <option value="2">2+</option> <option value="3">3+</option> <option value="4">4+</option> <option value="5">5+</option> </select> <input name="dbtype" value="2" type="hidden"/> </p> <p> <input name="submit" id="searchnow" title="Search for properties" value="Search now" type="submit"/> </p> </fieldset> </form> </div> </div> <p>Powered by <img src="http://web.archive.org/web/20090730010626im_/http://static.guim.co.uk/static/77051/common/images/thinkproperty-logo.gif" alt="thinkproperty.com" class="inline-image"/></p> </div> </div> <script type="text/javascript"> //<![CDATA[ function CheckPostcode(){ var userEnteredPostcode = document.getElementById('IFApostcode').value; if (userEnteredPostcode.length<5) { if (userEnteredPostcode.length<1) { alert('You have not entered your postcode'); } else { alert('You have entered an incomplete postcode'); } document.getElementById('IFApostcode').focus(); return false; } _hbLink ('{findifa-search}','{findifa-search}{1}'); return true; } //]]> </script> <div class="capsule" id="find-ifa"> <form action="http://web.archive.org/web/20090730010626/http://www.unbiased.co.uk/gu/input.asp" id="PCInput" onsubmit="return CheckPostcode()"> <h3>Find an independent financial adviser</h3> <h4>Search from 9,000 locations UK-wide to find an independent financial adviser near you</h4> <div class="capsuleform"> <div class="text-input-row"> <label for="IFApostcode">Enter your postcode:</label> <input type="text" size="10" name="postcode" id="IFApostcode"/> </div> <div> <input type="checkbox" name="AreaSplitC"/><label for="AreaSplitC"><abbr>IFA</abbr>s for consumers</label> </div> <div> <input type="checkbox" name="AreaSplitB"/><label for="AreaSplitB"><abbr>IFA</abbr>s for businesses</label> </div> <div> <input type="submit" value="Search"/> </div> </div> </form> </div> <div class="capsule commercial credit-check"> <h3>Find out your credit rating</h3> <a href="http://web.archive.org/web/20090730010626/http://joincreditexpert.co.uk/guardian/" class="services first" name="&lid={creditCheck}{Get free access to your credit report and protect against identity fraud}&lpos={trail}{1}"><img src="http://web.archive.org/web/20090730010626im_/http://static.guim.co.uk/sys-images/Money/Credit_and_debt/creditcheck/2007/09/03/creditcheck_block.jpg" alt="" height="78" width="130"/></a><p class="services"><a href="http://web.archive.org/web/20090730010626/http://joincreditexpert.co.uk/guardian/" class="services first" name="&lid={creditCheck}{Get free access to your credit report and protect against identity fraud}&lpos={trail}{2}">Get free access to your credit report and protect against identity fraud</a></p> </div> <div id="sponsored-features" class="capsule sponsored-features commercial"> <script type="text/javascript"> //<![CDATA[ function showSponsoredFeatures() { var sponsoredFeatureComponent = document.getElementById('sponsored-features'); if(sponsoredFeatureComponent) { sponsoredFeatureComponent.style.display = 'block'; } } //]]> </script> <ul class="trail trailblock tri"> <li class="major-heading"> <h3>Sponsored features</h3> </li> <li class="normal image odd"> <script type="text/javascript" src="http://web.archive.org/web/20090730010626js_/http://ads.guardian.co.uk/js.ng/spacedesc=sponsoredfeature1&comfolder=familyandrelationships&keywords=%2CSaving%2Bmoney%2B%28Money%29%2CConsumer%2Baffairs%2B%28Money%29%2CMoney%2CFamily%2Bfinances%2CFamily%2B%28Life%2Band%2Bstyle%29%2CLife%2Band%2Bstyle%2C&site=Money&bandwidth=broadband&url=%252Fmoney%252F2009%252Fjul%252F29%252Fsaving-money-buggy&rand=-1576751833&system=article&blockVideoAds=false"></script> </li> <li class="normal image"> <script type="text/javascript" src="http://web.archive.org/web/20090730010626js_/http://ads.guardian.co.uk/js.ng/spacedesc=sponsoredfeature2&comfolder=familyandrelationships&keywords=%2CSaving%2Bmoney%2B%28Money%29%2CConsumer%2Baffairs%2B%28Money%29%2CMoney%2CFamily%2Bfinances%2CFamily%2B%28Life%2Band%2Bstyle%29%2CLife%2Band%2Bstyle%2C&site=Money&bandwidth=broadband&url=%252Fmoney%252F2009%252Fjul%252F29%252Fsaving-money-buggy&rand=-1757309821&system=article&blockVideoAds=false"></script> </li> </ul> </div> <div id="global-jobs" class="capsule jobsbox"> <h3><a href="http://web.archive.org/web/20090730010626/http://jobs.guardian.co.uk/?gusrc=gu_jobs_box_Money&link=Money_jbx_logo" name="&lid={rules/jobsBox}{Guardian Jobs}&lpos={rules/jobsBox}{1}"><img src="http://web.archive.org/web/20090730010626im_/http://static.guim.co.uk/static/77051/common/images/guardianjobs.gif" alt="Guardian Jobs"/></a></h3> <ul class="tab-toggle javascript-on"> <li id="global-jobs-1-link"> <a href="#global-jobs-1" class="active">UK<b></b></a> </li> <li id="global-jobs-2-link"> <a href="#global-jobs-2" class="inactive">USA<b></b></a> </li> </ul> <div class="pane-wrapper"> <div id="global-jobs-1" class="global-jobs-pane tab-toggle-pane"> <h3 class="js-hider">UK</h3> <div class="capsule jobsbox"> <form action="http://web.archive.org/web/20090730010626/http://jobs.guardian.co.uk/searchjobs/" onsubmit="return doSearchAllSubmitUK( this );"> <fieldset> <input type="text" class="text plain-search" id="freetext-searchalljobs" name="freetext" value="Search all finance jobs" onfocus="this.value='';"/> <input type="hidden" name="csr" value="finance"/> <input type="hidden" name="keyword" id="keyword-searchalljobs" value=""/> <input type="submit" class="submit" name="go" value="Go"/> <input type="hidden" name="gusrc" value="gu_jobs_box_Money"/> <input type="hidden" name="link" value="Money_jbx_go"/> <input type="hidden" name="industry" value="149"/> </fieldset> </form> <p class="find-a-job"> <a href="http://web.archive.org/web/20090730010626/http://jobs.guardian.co.uk/jobs/finance?gusrc=gu_jobs_box_Money&link=Money_jbx_brsesec" name="&lid={jobsBox}{Browse finance jobs}&lpos={jobsBox}{1}">Browse finance jobs</a> </p> <ul class="jobs"> <li class="odd"><h4> <a href="http://web.archive.org/web/20090730010626/http://jobs.guardian.co.uk/job/892569/tax-excellence-consultant?RSSSearch=0&gusrc=gu_jobs_box_Money&link=Money_jbx_vac" name="&lid={jobsBox}{Tax Excellence Consultant|Money}&lpos={jobsBox}{2}">Tax Excellence Consultant</a></h4> <p><span class="employer">reilly people.</span> <span class="location">senior level tax appointment. senior manager and c….</span> <span class="wage">to £100K + Benefits.</span> </p> </li> <li><h4> <a href="http://web.archive.org/web/20090730010626/http://jobs.guardian.co.uk/job/895072/head-of-delivery-marketing-communications-?RSSSearch=0&gusrc=gu_jobs_box_Money&link=Money_jbx_vac" name="&lid={jobsBox}{HEAD OF DELIVERY - MARKETING COMMUNICATIONS|Money}&lpos={jobsBox}{3}">HEAD OF DELIVERY - MARKETING COMMUNICATIONS</a></h4> <p><span class="employer">regan & dean.</span> <span class="location">are you an experienced communications specialist w….</span> <span class="wage">Not Specified.</span> </p> </li> <li class="odd"><h4> <a href="http://web.archive.org/web/20090730010626/http://jobs.guardian.co.uk/job/894078/pbc-accountant?RSSSearch=0&gusrc=gu_jobs_box_Money&link=Money_jbx_vac" name="&lid={jobsBox}{PBC Accountant|Money}&lpos={jobsBox}{4}">PBC Accountant</a></h4> <p><span class="employer">morgan law.</span> <span class="location">south east.</span> <span class="wage">Up to £350 per day.</span> </p> </li> </ul> <script type="text/javascript"> //<![CDATA[ function doSearchAllSubmitUK( form ) { var jobsSectionToSearch = 'finance'; var freeText = 'finance'; var searchTextField = document.getElementById( 'freetext-searchalljobs' ); var keywordElem = document.getElementById( 'keyword-searchalljobs' ); var isSectionSearch = function() { return jobsSectionToSearch != ''; } var textIsModified = function() { if( isSectionSearch() ) { return ( searchTextField.value != 'Search all ' + freeText + ' jobs' ); } return ( searchTextField.value != 'Search all jobs' ); } if( !textIsModified() ) { keywordElem.value = ''; if( isSectionSearch() ) { form.action = 'http://web.archive.org/web/20090730010626/http://jobs.guardian.co.uk/jobs/finance'; return true; } form.action = 'http://web.archive.org/web/20090730010626/http://jobs.guardian.co.uk/'; return true; } keywordElem.value = searchTextField.value; if (isExternalSystemOn("hbx")) { _hbLink( '{jobsbox-searchalljobs}', '{jobsbox-searchalljobs}{1}' ); } return true; } //]]> </script> </div> </div> <div id="global-jobs-2" class="global-jobs-pane tab-toggle-pane initially-off"> <h3 class="js-hider">USA</h3> <div class="capsule jobsbox"> <form action="http://web.archive.org/web/20090730010626/http://www.guardianjobs.com/" onsubmit="return doSearchAllSubmitUSA( this );"> <fieldset> <input type="text" class="text plain-search" id="freetext-searchalljobs" name="q" value="Search all finance jobs" onfocus="this.value='';"/> <input type="hidden" name="csr" value="finance"/> <input type="hidden" name="keyword" id="keyword-searchalljobs" value=""/> <input type="submit" class="submit" name="go" value="Go"/> <input type="hidden" name="gusrc" value="gu_jobs_box_Money"/> <input type="hidden" name="link" value="Money_jbx_go"/> <input type="hidden" name="industry" value="149"/> </fieldset> </form> <p class="find-a-job"> <a href="http://web.archive.org/web/20090730010626/http://jobs.guardian.co.uk/jobs/finance?gusrc=gu_jobs_box_Money&link=Money_jbx_brsesec" name="&lid={jobsBox}{Browse finance jobs}&lpos={jobsBox}{1}">Browse finance jobs</a> </p> <textarea id="jobs-box-usa-textarea" style="display:none;"> {for result in results} <li> <h4> <a href="${result.url}">${result.jobtitle}</a> </h4> <p> <span class="description">${ result.snippet }</span> <span class="location">${ result.state }</span> </p> </li> {/for} </textarea> <script type="text/javascript"> //<![CDATA[ var userip = '207.241.235.66'; var country = 'usa'; var isUSA = (country.toLowerCase() == 'usa') ? true : false; var jobsBoxView = new guardian.r2.JobsBoxView('jobs-box-usa', 'jobs-box-usa-textarea'); var jobsBoxService = new guardian.r2.JobsBoxService('%22Director%22', userip); /* category, location */ var jobsBoxController = new guardian.r2.JobsBoxController(jobsBoxView, jobsBoxService, isUSA); //view, service, locationIsUSA //]]> </script> <ul id="jobs-box-usa" class="jobs"> <li class="javascript-on">Loading jobs...</li> </ul> <p class="attribution javascript-on"><a href="http://web.archive.org/web/20090730010626/http://www.indeed.com/">jobs</a> by <a title="Job Search" href="http://web.archive.org/web/20090730010626/http://www.indeed.com/"><img alt="Indeed job search" src="http://web.archive.org/web/20090730010626im_/http://static.guim.co.uk/static/77051/common/images/icon_usjobs.gif" width="54" height="19"/></a></p> <script type="text/javascript"> //<![CDATA[ function doSearchAllSubmitUSA( form ) { var jobsSectionToSearch = 'finance'; var freeText = 'finance'; var searchTextField = document.getElementById( 'freetext-searchalljobs' ); var keywordElem = document.getElementById( 'keyword-searchalljobs' ); var isSectionSearch = function() { return jobsSectionToSearch != ''; } var textIsModified = function() { if( isSectionSearch() ) { return ( searchTextField.value != 'Search all ' + freeText + ' jobs' ); } return ( searchTextField.value != 'Search all jobs' ); } if( !textIsModified() ) { keywordElem.value = ''; if( isSectionSearch() ) { form.action = 'http://web.archive.org/web/20090730010626/http://www.guardianjobs.com'; return true; } form.action = 'http://web.archive.org/web/20090730010626/http://www.guardianjobs.com'; return true; } keywordElem.value = searchTextField.value; if (isExternalSystemOn("hbx")) { _hbLink( '{jobsbox-searchalljobs}', '{jobsbox-searchalljobs}{1}' ); } return true; } //]]> </script> </div> </div> </div> </div> <div id="intrusive"> <script type="text/javascript"> //<![CDATA[ if(isExternalSystemOn("displayads")) { buildIntrusiveAd('http://web.archive.org/web/20090730010626/http://ads.guardian.co.uk', 'broadband', '1809419026', 'familyandrelationships', '%2CSaving%2Bmoney%2B%28Money%29%2CConsumer%2Baffairs%2B%28Money%29%2CMoney%2CFamily%2Bfinances%2CFamily%2B%28Life%2Band%2Bstyle%29%2CLife%2Band%2Bstyle%2C', '%252Fmoney%252F2009%252Fjul%252F29%252Fsaving-money-buggy', 'Money', 'article', 'false'); } //]]> </script> </div> <script type="text/javascript"> google_ad_client = 'ca-guardian_js'; google_ad_channel = 'Money'; google_max_num_ads = '3'; </script> <div id="google-ads-container" class="capsule advertiser-links" style="display: none;"></div> <script type="text/javascript"> //<![CDATA[ if (isExternalSystemOn("googleadsense")) { generateScriptTag("http://web.archive.org/web/20090730010626/http://pagead2.googlesyndication.com/pagead/show_ads.js"); } // ]]> </script> </div> <div class="section" id="more-in-series"> <h3>More from <a href="http://web.archive.org/web/20090730010626/http://www.guardian.co.uk/money/series/the-negotiator" name="&lid={moreInSeries}{More from index}&lpos={moreInSeries}{1}">The Negotiator</a></h3> <ul> <li> <p>You can save money on almost everything if you know how, says Marc Lockley, author of How to pay less for more. Each fortnight he offers tips on driving a bargain – from beating down the cost of a mobile phone contract to paying less for your gym membership. You could save thousands</p> </li> <li class="series"> <h4>Previous: </h4> <p> 14 Jul 2009: <a href="http://web.archive.org/web/20090730010626/http://www.guardian.co.uk/money/2009/jul/14/digital-camera-bargain-negotiator" name="&lid={moreInSeries}{Previous}&lpos={moreInSeries}{2}"> Digital camera shopping? Stay focused to snap up a bargain </a> </p> </li> </ul> <p class="link-to-index"><a href="http://web.archive.org/web/20090730010626/http://www.guardian.co.uk/money/series/the-negotiator" name="&lid={moreInSeries}{Index}&lpos={moreInSeries}{3}">The Negotiator index</a></p> </div> <div class="related-content"> <h3 class="first" id="relatedInformation">Related information</h3> <div id="keyword-rule-wrapper"> <div class="relatedlinks" class="capsule"> <h3 class="first"><a href="http://web.archive.org/web/20090730010626/http://www.guardian.co.uk/money" name="&lid={inlineKeyword}{Money}&lpos={inlineKeyword}{1}">Money</a></h3> <ul class="relatedlinks-keywords"> <li> <a href="http://web.archive.org/web/20090730010626/http://www.guardian.co.uk/money/saving-money" name="&lid={inlineKeyword}{Saving money}&lpos={inlineKeyword}{2}" rel="tag">Saving money</a> · </li> <li> <a href="http://web.archive.org/web/20090730010626/http://www.guardian.co.uk/money/consumer-affairs" name="&lid={inlineKeyword}{Consumer affairs}&lpos={inlineKeyword}{3}" rel="tag">Consumer affairs</a> · </li> <li> <a href="http://web.archive.org/web/20090730010626/http://www.guardian.co.uk/money/family-finances" name="&lid={inlineKeyword}{Family finances}&lpos={inlineKeyword}{4}" rel="tag">Family finances</a> </li> </ul> <h3><a href="http://web.archive.org/web/20090730010626/http://www.guardian.co.uk/lifeandstyle" name="&lid={inlineKeyword}{Life and style}&lpos={inlineKeyword}{5}">Life and style</a></h3> <ul class="relatedlinks-keywords"> <li> <a href="http://web.archive.org/web/20090730010626/http://www.guardian.co.uk/lifeandstyle/family" name="&lid={inlineKeyword}{Family}&lpos={inlineKeyword}{6}" rel="tag">Family</a> </li> </ul> <h3>Series</h3> <ul class="relatedlinks-keywords"> <li> <a href="http://web.archive.org/web/20090730010626/http://www.guardian.co.uk/money/series/the-negotiator" name="&lid={inlineKeyword}{The Negotiator}&lpos={inlineKeyword}{7}">The Negotiator</a> </li> 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