Money Saving Techniques

Practical Money Saving Tips And Advice

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Debt Negotiation Guide:

Stage One
Contact Creditors

Stage Two
Prioritise Creditors

Stage Three
Financial Statement

Stage Four
Make Offers

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Useful Money Saving Techniques and Advice

This site has information on various possible routes out of serious debt, including bankruptcy, IVAs, Debt Management Plans and Consolidation Loans. The preferred route, however, and the main focus and purpose of this site, is the step by step Debt Negotiation Guide that will help you out of debt without spending or borrowing any more money.

This particular section of the site covers a range of money saving techniques and deals with ways of controlling your outgoings and income to deal with less serious debts and minimise the risk of getting into a serious debt spiral in the first place.

This part of the site is not aimed primarily at people who already have serious debt problems, but is more about dealing with smaller debts and saving money generally. If you already have significant debt problems and have not yet read the Debt Negotiation Guide, please have a look at that first as it is more relevant to your immediate needs.

Everyone can benefit from money saving techniques, and even if you are successfully managing to tackle a serious debt problem already, you will need an understanding of how to reduce and control your expenditure in order to help ensure that you manage your finances well in the future and avoid slipping into debt again.

Depending on your situation, you may be able to get your debts back on track just by using some of the above pages on money saving techniques. People get into debt for many reasons, often through no fault of their own, but sometimes serous debt accumulates gradually, just through poor control of spending.

Even if your debts are serious and you need to go down one of the more drastic routes outlined on this site to resolve it, you are still almost certainly going to need to make changes to your spending habits if the situation is not to reoccur in the future.

The bottom line is that if you consistently spend more than you earn, you WILL have a problem. You therefore need to understand where your debt came from, and if it is a case of having consistently spent money you don't have, then something clearly has to give, even after you clear the debt.

The starting point for getting to grips with a proper understanding of your financial position is to prepare a Personal Financial Statement. You can find information about this in the Debt Negotiation Guide, which also includes a Financial Statement Template that you can print off and fill in.

Whether you have debt problems or just want to have more money to spend on the things you want, the pages in this section will offer some useful money saving techniques and practical money saving tips that you can quickly put into action.

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