Keep Your Money Where You Want It

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Driving Abroad and Cabotage

Driving an HGV abroad comes with a number of different challenges compared to driving in the UK.

There are a number of important things to know about, one of which is the practice of cabotage. Here are some things to keep in mind regarding cabotage and what it means for you when you drive an HGV overseas:

  • cabotage is where a vehicle registered in one country picks up goods in another country and deposits them within that same country;
  • there are rules in the EU states that govern how often cabotage jobs can be carried out. The current rules state that only three cabotage jobs can be carried out during a seven-day period starting when the international transport is delivered;
  • drivers who want to carry out cabotage deliveries in different member states to the one that they initially delivered their cargo are only allowed to carry out one delivery as opposed to three. In addition, you must carry it out within three days of entering that country without cargo;
  • you will require Community Authorisation in order to carry out such jobs, and you get this automatically when you receive your standard international licence;
  • for a list of EU states where cabotage is allowed, see the page that provides more details;
  • you may also have to pay VAT on your cabotage job in the state where the journey is made, so you must find out about the rules for that country before you make your delivery;
  • you should also know that you can lose your right to carry out cabotage jobs if you breach any safety rules.

There are other things that are important to know when you are driving abroad. The government has some excellent information here, and another good source of information is the Road Haulage Association (RHA) website. Some of the most important things include:

  • check for the legal regulations in the country or countries that you will be driving in because they may be different compared to the UK. For example, you may be required by law to carry a warning triangle, fire extinguisher, reflective jacket or snow chains among other things;
  • make sure your insurance covers you for overseas deliveries before you set off, and that you are covered for the particular country you will be travelling in. If not, compare HGV insurance policies to find a suitable one;
  • Low Emission Zones (LEZ) are used in towns and cities across the continent. If your emissions are above a set amount, you will either be refused entry or charged, so find out in advance about the requirements;
  • in order to avoid problems with LEZs, you will need a reduced pollution certificate (RPC) to show that you are permitted to enter. As well as this, you should take other documentation including a vehicle tax disc, V5C, insurance certificate and MOT;
  • you must also have a CMR note when delivering goods abroad on a commercial basis, which demonstrates that you have a contract from the supplier;
  • be aware that the maximum gross train weight (GTW) on Europe’s roads for UK-registered vehicles is 44,000 kilograms;
  • in some countries, there may be limits on the days and times you can drive. Contact the British Embassy in your destination country to find out whether these will affect you.

If you drive an HGV abroad, know the rules before you go. Find out about cabotage and all of the other country-specific requirements in advance and enjoy a safe and hassle-free experience driving overseas.

Spend your tax refund efficiently



Many people are looking forward to getting tax refund and to drive this money onto useful things. And that is not weird because there is a chance to get the amount of $3000 and sometimes even more. Of course there are many options to spend this money and this is you who know whether to spend it on debt repayment, bills coverage or child’s tuition. But there are some beneficial alternatives of using the tax refund which could bring you a great financial result. Of course if your personal budget doesn’t urgently requires this money. Today’s economic situation may bring the variety of financial challenges to commoners and tax refund exclusive of payday loans Canada  and other money driving options may be a great chance to make your ends meet.


Receiving the tax refund with each pay-check
You probably understand the fact that tax refund  is not an allowance from the government or some sort of a windfall. It is just money which you pay with taxes and which is to be returned to you. In fact this is a 0-interest loan from you to the government because it operates your money during the year without paying for it. Of course it is definitely better to have this money returned to you each month with a paycheck. That means that you can manage this sum in order to get maximum benefits or profit. But if you don’t pay enough attention to financial management, don’t meticulously track your cashflows and don’t have an ability to save money then storing money in such a safe place will help to stabilize your financial situation at least once a year.

Be careful with loan anticipation
You may find many offerings from tax places, banks and even auto dealers which promise that you will get your tax return immediately each month. But don’t peck at the bait because you risk to drop into a bad deal. There is a certain amount of interest which you will have to pay for the service and bulk of hidden charges and fees. So you may end up with a debt which will be even more than your tax refund. It is better to wait for several weeks and not to experience such challenges.

Spending the tax refund wisely
The most relevant and efficient way to spend this money is to cover the high-interest debt if you have it. Driving any extra funds to the debt repayment is a good rule of thumb. But if there is no other debt except of mortgage or any other low-interest debt it is not so urgent to cover it in a first turn. You repay the most of interest when speaking about low-interest loan in the beginning of payment term. And in the end you just return the principle amount and insignificunt sum of interest. So if there is no any high-persantage debt then it is better to use such sound sum differently.

Saving the money may also be a smart choice. All financial experts repeat in unison that it is very important to have an emergency fund and to save money for retirement. It is very important now to save money for tuition if you have children because of its expensiveness and necessity.

If you have necessary investor skills it would be make some investments. But if no-it is never late to start.
Of course there is an option to spent the sum on groceries, shopping or household equipment. But when there is an option to use money more efficiently it should be used.

Help Your Money Plan With These Personal Finance Tips


It is becoming more important with each passing day to become actively involved in your personal finances. Although it may seem overwhelming at times with the wealth of information available on-line, you should still make an effort to gain the basic knowledge necessary to make your personal finance decisions wisely. This article is meant to provide you with advice that will get you started on your journey toward financial knowledge.

Repairing your credit can lead to paying less money in interest. A lower credit score means higher interest rate on your credit cards and other loans, which means you end up paying more in finance charges and interest. Repair your score and drop these rates in order to save more money.

Learning About How Personal Finance Is Affected


While you may be unable to reach all of your financial goals, you’ll be surprised how many are achievable. The key to making what you hope for a reality is to have a firm grasp of the basic principles of personal finance. The following tips can help you start out on the right foot.

If you are having difficulties paying off a credit card, you should stop charging it. Cut out unnecessary expenses and find an alternate means of payment to avoid going over your credit limit. Pay off your monthly balance before you start using your credit card again.

Personal Finance Tips You Would Benefit From Knowing


Knowing how to start planning and organizing anything to do with personal finance can be daunting at first, however it can pay off in the long run. It takes patience and a wealth of knowledge to get started on the right foot. This article will provide specific tips and hints on how to make the most out of anything regarding personal finance.

Save money on your cell phone plan by choosing the right options. A contract-free plan requires you to buy your phone up front, but you’ll save on monthly costs. If you want your phone at a discount, you’ll likely be locked into a plan for a couple of years. A contract option can also make more sense if you want to add other people on a family plan.