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  It doesn't have to cost the earth to stay in touch. There are a number of ways you can cut the cost of calls, no matter where your friends and family live. PC to PC Download Skype* and you can enjoy free calls to other Skype users. There are no hidden costs - it's free to download and free to use. All you need is a broadband connection. Plus, if you have a webcam, you can make video calls and talk face to face. Download Skype*   PC to landline Instead of using a landline such as BT or Virgin, Vonage* uses your existing broadband connection. Call plans start at just £5.99 a month and you can make unlimited calls within the UK and around the world. Another advantage to Vonage* is that it could be cheaper for friends and family to phone you. When you sign up with Vonage.co.uk you receive a phone number - you can pick any area code, regardless of where you live. Friends and family can use this number to call you cheaply. For example, if you've moved abroad

          ID fraud protection                                 Exchange currency         Money transfer                                 Bookshop         Free brochures   How does Deal Finders work? We carefully vet the partners we choose to work with, ensuring you get the best deals from trusted providers. This Is Money receives a monthly fee to offer you these services. This income enables us to employ journalists to write bias-free analysis and to champion your consumer issues. Find out more about our independence.  

  .mainDeal a {font-weight:normal;text-decoration:none;} .mainDeal a:link {color: #3D4BD2} .mainDeal a:visited {color: #3D4BD2} .mainDeal a:hover {color: #D58A14;text-decoration: none;} .mainDeal img {border: none; padding: 0px; margin: 0px;} .dealHeadOne {margin: 0; padding: 25px 0px 0px 55px; font-size: 16px; font-weight: 700; position: absolute;} .dealHeadOne a {text-decoration: none; font-weight: bold;} .dealGrad p{width:410px;font-size:0.95em!important;font-size:12px;padding-left:20px;} This is Money's simple aim is to help you make more money and pay out less. That's why we offer Deal Finders, the best place on the web for financial tools and money-saving deals from a huge range of providers as selected by us. Don't miss: How This is Money can make you richer Also:- Five steps to being £2,000 better off in one week - Only eight steps needed to fix all your finances for good - Thousands more money-saving ideas • How 102 yrs of Daily Mail heritage gua

  In these changeable economic times, security is paramount. Make sure you're protected against the unexpected. Compare, apply and save on insurance policies:         Life insurance         Home insurance         Mortgage protection        Landlord insurance         Travel insurance         Car insurance         Breakdown cover         Health insurance         Dental insurance         Car warranties         Household warranties         Motorbike warranties         Business insurance         Income protection insurance         Mortgage protection         Dog insurance         Cat insurance   How does Deal Finders work? We carefully vet the partners we choose to work with, ensuring you get the best deals from trusted providers. This Is Money receives revenue when you switch using Deal Finders. This income enables us to employ industry experts to write bias-free analysis and to ch

  Car insurance is a legal requirement for car owners. There are two types of cover you can opt for - fully comprehensive or third party cover. The price you pay not only depends on your claims history but can also be affected by the area you live in, your age and your sex. If you haven't made a claim on your car insurance, or your current policy is up for renewal, you can switch to a cheaper provider. Our tool helps you compare the best deals and possibly help you get a far lower quote than from your exisiting insurer:   Get cheaper car insurance           Related reading: •Guide to car insurance •Find out the typical annual premium for your area   How our partner services workWe carefully vet the partners we choose to work with, ensuring you get the best deals from trusted providers. We also make sure we get the best customer service from these providers on your behalf. Commission we receive enables us to employ experts to write bias-free analysis and advic

The Bank of England is set to ignore mounting pressure to pump more money into the economy on Thursday amid fresh fears of another global recession. Worries about the strength of the world economy have intensified in recent weeks following a raft of gloomy data which suggested the recovery is running out of steam and sparked a bloodbath on world stock markets. Hold tight: A man passes a doorway at the Bank of England in the City of London. Amid the financial gloom, the prospect of interest rates being hiked from their record low of 0.5 per cent has faded but there are now heightened calls for another round of quantitative easing (QE), or money printing, to inject some life into the UK's flagging economy. When the Bank's Monetary Policy Committee (MPC) last met a month ago it voted unanimously to hold interest rates for the 29th month in a row as two members who had previously voted for rates to be hiked to 0.75 per cent changed their minds as the economy showed increasing

The Government will invite private sector bids this week for £170million worth of contracts auditing 10,000 town halls and health authorities. Bidding for the work of the Audit Commission, which is being abolished, begins tomorrow with regulators hoping the process could help break the dominance of the major firms. The outgoing commission will award the first contracts, for between three and five years, after which local authorities and public bodies will be able to hire their own auditors. Of the 10,000 bodies, more than 9,000 are parish councils. The most lucrative work is likely to come from about 500 local authorities and NHS bodies. As well as private firms, a mutually owned spin-off from the commission is set to bid. Former commission and audit chief Gareth Davies is leading the new mutual and is on leave of absence while the procurement process takes place. The Financial Reporting Council suggested last year that the Commission's work could be passed to a rival of the Big