Reader’s Digest is delighted to announce the publication of How To Pay Less For Just About Everything on 25th June, price £12.99: the essential guide to how to beat the credit crunch, for everyone, from those still working to those already enjoying retirement, looking to get more for their money. Top tips and advice include:

• Commonly missed benefits
Don’t be one of the huge number of pensioners who are missing out on benefits – Age Concern estimates that almost £5billion in pensioner benefits remain unclaimed each year. Make sure you keep up to date with the benefits system. Even if you have savings or a large house, you should still check out your entitlements. Includes advice on Pension Credit, Housing Benefit and Attendance Allowance.

• Saving with a stakeholder pension
You can now save as much as you like in any number and type of pensions and this includes Stakeholder Pensions. You can invest up to 100% of your earnings each year and get tax relief (maximum invested is £245,000 in 2009-2010). What tax relief means is that for every £80 you pay into your pension your fund grows by £100. Higher rate taxpayers can claim extra tax back.

• Retiring Abroad – Avoid NI shortfall
Many people who head overseas before the state retirement age unwittingly lose out. If you leave before making enough National Insurance Contributions you could miss out on the State Pension. Contact the Pension Service to see about making voluntary contributions to maintain your 100% entitlement to the State Pension.

• Cash for clutter
Unwanted possessions could be converted into cash, even if it’s only enough for a special treat. How to sell valuables – You can sell direct to market traders or, for a small deposit, set up a stall at an antiques market. You can sell valuable items at auction, although the profit is reduced by commission, insurance, handling fees and VAT.

Also…
Want to know how to look good on a budget? Trying to maintain a healthy diet and lifestyle as the credit crunch rolls on? Wondering how to afford that family holiday? Questioning how to keep up mortgage repayments or maintaining a car in the middle of a recession? Just generally want to be a bit more savvy with your spending?

TOP TIP
If you like a gamble book a ticket on a popular flight – if it’s overbooked you could get the airline to pay you £100+ if you’re prepared to give up your seat and travel later.

Look no further! How To Pay Less For Just About Everything is the truly comprehensive guide to how to beat the credit crunch. Packed full of trade secrets and top tips from those in the know about money, this invaluable book will show you how to make every penny count.

TOP TIP
If you’ve got an awful cold – don’t dose yourself with branded products – own-brand aspirin and paracetamol can be up to 85 per cent cheaper than the big names.

In the current financial climate, everyone needs to find ways to cut back on their outgoings and this book reveals exactly how to do it. Covering all aspects of modern life from how to save money on your weekly food bill and get the cheapest phone deal to getting a cheaper mortgage or planning a wedding on a budget, this book will become an indispensable guide in every home.

TOP TIP
Don’t buy the latest TV – instead go for last year’s model. It will cost hundreds of pounds less than it did when it was first launched.

How To Pay Less For Just About Everything is laid out in an easily accessible format including handy reference sections and a useful directory of addresses.