Debt Management Solutions, Facts And Tips

As you know by know by now people my blog is about bringing you advice on money matters. As such that advice comes from all over, from me and other sources hence the article below. I hope you find it useful people. Please feel free to leave feedback. Happy reading!

By Alex Lewis

At one point or another you are bound to deal with debt. Dealing with debt can be very stressful, but you don't have to despair there are plenty of debt management solutions out there for you to work with. However, managing debt and getting financially healthy require commitment to change your spending habits.

The first step in managing your debt is to stop the blame game. This means that you have to stop blaming the people around you for your financial situation. Blaming your parents, banks or credit card companies for your debt will get you no where. Be honest with yourself and put your energy into finding a solution for your debt problem.

Anyone who's ever dealt with money issues knows just how overwhelming it can feel. Once you've taken responsibility for your finances, if you're feeling overwhelmed, it's important to talk to someone. If you can't reach out to a friend or family member for whatever reason, you should know that there are organizations out there to help you. There is help available for those who need it.

When you're able to talk about your finances with someone, this will help make it all seem much more bearable. In addition to relieving stress through talking about it you'll also be working toward a solution. You may be surprised as to what kind of solutions you may find simply by talking about your situation.


Getting serious about what you owe is essential to financial health. You have to understand how much you really do owe in order to deal with your debt. This is why getting honest with yourself is necessary. If you don't know how much you owe you are in denial. Denying the problem only prolongs the process of getting out of debt and getting financially healthy.

Set up a new budget. If you don't think you have time to track your expenses, think again. Managing your debt starts with creating a strict budget. Tracking your finances will help you understand exactly where your money is going. If you have bad debt such as credit card loans you want to plan to start paying off the balances as soon as possible. This doesn't mean you shouldn't save, on the contrary, start your emergency fund now. Put as much or as little as you can away now.

When you've gotten honest with yourself you now know what you owe, what you're spending on and what you need to cut back on. You may need to earn an additional income. This may mean getting a second job or working overtime at your current place of employment. If you can't earn more you will probably have to spend much less.

There are no blanket debt management solutions. Just as each individual is different so too is their financial situation. However, getting out of debt means getting serious about how you make money and how you spend it. The road to financial freedom may not be easy but it is possible. Good luck!

About the Author:

Find these debt consolidation options you can have by searching in the internet. Numerous debt management solution but it will require the most suitable that will help.

How To Avoid Bankruptcy

A lot of people struggle with hard financial times and choose the bankruptcy route as a way out of their problem. Bankruptcy can be a way to put an end to financial struggles but in some cases it is not the best option to take. There are other alternatives that can be tried that could possibly help you avoid bankruptcy.

Some people think that once they file for bankruptcy, they will be saved from their debt. But, the truth is that filing for bankruptcy isn't a good way to pay your creditors, no matter what route you plan on taking. Sometimes, people still have to pay some of their previous debt owed out even after being declared  bankrupt.

Bankruptcy is not something to be taken lightly. It is a serious matter that will stay on your record for many years. You may have a hard time getting a mortgage or loans. Therefore if you can avoid bankruptcy, it is usually a good idea to do so.

The first thing that you can do to learn how to avoid bankruptcy is to realize that you have a problem. If you recognize that you have a spending or debt problem, you can see that you need help. If you do notice these problems, the debt is only going to keep building and it's going to be even harder to get out of debt without filing for bankruptcy.

One way you can get help is through credit counseling. If your finances are in a mess because you aren't a good planner or budgeter, they can teach you the skills you need. It is best to get help before your finances have become such a mess that you can't avoid bankruptcy.

If you need help deciding if you should work to avoid bankruptcy or if you should file, have your case evaluated. A professional can look your situation over and help you determine if it is even feasible for you to try and avoid bankruptcy. You can have this done by a credit counselor or on a bankruptcy site online.

A good place to go for credit counseling is a bank. Try to find a reputable bank to help solve your debt build up. A good place to start would be the bank that you already use for your other financial services. All you have to do is talk to them about your debt situation and they will most likely help you set up a good approach to help you learn how to avoid bankruptcy.

Depending upon the state you live in, you could lose all of your assets when you file for bankruptcy. Therefore, you may be able to avoid bankruptcy by selling your assets since you will lose them anyway. Use the money you get from the sale to pay down your debt. If you can't sell some of your assets you may be able to give them to a creditor in exchange for canceling your debt depending upon the situation.

Once you have gotten outof debt, you must do everything in your power to avoid ending up in the same situation again. The means you used to avoid bankruptcy the first time round might not be available to you again so the next time bankruptcy may be inevitable. You should get the help you need to learn how to plan your finances and control your spending.

Bankruptcy is a real issue in the current economy that should be taken very seriously. So, you should do everything possible to learn how to avoid bankruptcy and take every chance you get to clear  your debt.

AutoBlog Samurai Review & AutoBlog Samurai Bonus

For all you guys and girls wanting an easy ride and thinking about using something to auto generate content or traffic for your site. You may with to rethink after reading the folling. Happy reading!


By Mara Samson

It really is this simple. These kinds of web sites are out to get your money and nothing else. They might promise that they can send you tons of targeted visitors overnight. How ridiculous. How can they possibly do this? It's just not possible. What they can do is send a bot for your website that creates a hit and this makes it look like you have had tons of guests.

Let me clarify further. If they could really send you tons of visitors overnight then everybody would just sign up and be instant millionaires.

After all, should you could get hundreds or even thousands of guests to your website then you definitely would easily be able to make a lot of cash very quickly. That is just not happening.

Getting guests to your web site takes a lot of work or a big investment in Pay Per Click. Reputable programs like Google Adwords. If you want to obtain free website traffic then you need to work very tough for it. You require to put the hours in to create backlinks for your website.

You require to participate in forums and blogs and create interest to your target market. This will be the only way to obtain good, real website visitors.

Have you tried several from the free methods on the web to create visitors? The majority of them require lots of effort for little reward. You might spend 2 or 3 hours generating visitors for your web site and only see 1 visitor. That is very frustrating. I know, as I've been in that position too.

So, a good deal of the free techniques to generate traffic take considerable effort of for small reward. So how do you create great long term traffic for free? I've discovered a way that really works. This method is the method that the professionals use to create totally free visitors to all of their web sites everyday.

About the Author:

Definitely check out the AutoBlog Samurai Internet Site before you go on! Also look at my AutoBlog Samurai Review which should help you.


Just remember there is no substitute for hard work people.

How To Generate Leads With A Website

No online business opportunity will ever become successful unless it has a fully functional website. This website must not only look attractive, but it also must be accessible making sure that the process of obtaining whatever products and services are being sold or simply registering as a member is as smooth as possible. Even if these objectives are met, the website still will not be successful if there is nobody visiting it. Without the right tools like autoresponders, leads cannot be generated either. Once you have the website fully operational, you will need to expose your website to your target market. Here are some ways on how you can do that.

Site Content and Article Marketing

Quality content is important both for use on your site and for article marketing purposes. There are thousands of sites out there that are trying to capture leads for their businesses but they are not successful because they lack content. Web surfers are not trusting of sites that are thin on content so if you want to garner trust and increase your optin rate, you should provide your visitors with high quality original content. This will make your site stand out from the crowd and be more successful. You can also use your great content to please the search engines as well. Post your articles on various article directories and this will help boost your search engine ranking which will in turn bring you more site visitors.

Social Networking Sites

Social networking sites like Facebook are big on the internet now. People flock to these sites to meet up with their friends and to meet new people. Because of the huge amount of traffic these sites get, they are a great place to garner leads as long as you do it properly. Social networking sites are all about building relationships so you should take this approach to help you find business partners and get leads for new customers. You can leave your link in places where it is appropriate. If your site has wide appeal it could even get passed around and go viral on one of these sites.

Niche Forum Marketing

Although social networking is practically a norm these days, a lot of people are still posting in forums because of how interactive forum threads can be. People feel more comfortable posting their concerns on forums because forums are aimed at a specific category or audience. This is a great opportunity for you if you find a good forum that is closely related to your site. Just see if it allows advertising and then put your website on your signature. Then blend in with the discussions so your site follows wherever you go. If your posts are helpful to the community, people will check out your site out of curiosity.

All the methods above are free advertising methods that serve as a good start for getting fresh leads.

Payday Loans & There Requirements

When it comes to money there aint anyone I know out there that doesn't feel stress without it. If you have bills to pay and don't know where to turn for help you have to consider things such as a payday loan. Whether it's paying to fix that leaky roof, the brakes on your car, or even to keep the power on in your home a payday loan can get you out of the sticky stuff.

The name says it all since you go to these loan agencies to borrow money and after a few questions they provide you with cash for a short time till your next pay packet. Keep in mind the amount you can borrow will depend on the amount of money you will be bringing home and when you get paid. There are other requirements as well that you need to keep in mind.

Providing proof of income will be the first requirement. You can show bank statements, forms, or even a paycheck to show them what you are bringing home. There are certain thresholds within each company that will help decide how much you can borrow and whether or not you have the ability to pay it back on time.

In order to get any kind of loan you normally have to make something like £200-250 a week. Some places accept less, but not too many. Even with making £250 a week you will only be able to borrow £100. So take the time to check beforehand so you don't waste a load of your time for nothing. Do research on the different companies out there that provide such a service.

Though you will not need to undergo a credit check, you will need to provide your name, national insurence number, and a few references that can be checked. In addition to this, you will probably need to present at least two forms of identification.

The identification will likely be your national insurence number, a utility bill and some form of photo id these can all be scanned and sent online. If you have any other form you might be able to use it, but these are the three that are generally used. Once you show these and answer a few basic questions, you should be well on your way to receiving your payday loan.

You will also have to set up a repayment schedule as well. Don't be surprised if they ask you to pay back the money on your next pay date. Your options are usually weekly or bi-weekly. They have to know your payment schedule, and don't try to trick them because it will be verified from your employer. Individuals who are able to pay this back on time will be able to request and receive more loans in the future if you need them.

One last note payday loans should only be used as a last resort and you should think very carefully about it. They can have high interest rates and be hard to pay off. Take it easy people and look after your money.

5 Social Media Sites Vital For Small Business Marketing

One of the most popular faces of social media is a social network site. Below are a few of the best social media sites that can play an inportant role in helping you promote your business and get the most out of your small business marketing strategies.

Squidoo for sharing content. You have your content with you all designed and you think ready to get your site on top. You can always post it on various sites but one effective way to get indexed is by  using Squidoo. Squidoo is a social network site that enables its users to make pages for free and interact with others on  topics and pages that relate to the subject/s discussed in your content. Squidoo lenses are highly interactive and can be fun.

Ezine articles. Article marketing is very reasonable but highly efficient mode of advertising. In Ezine, social media marketers come up with short articles about their industry. Content promotion is vital to small business marketing and Ezine is specifically recognized as the most effective way to generate traffics and back links.

Digg for social bookmarking. Social book marking websites make it possible for Internet marketers to store their Internet bookmarks and personal links on the internet. Normally, users set their bookmarks to their desktop browsers. It has its limits because a person can't look at these bookmarks sites on other computers. With websites such as Digg and De.li.cious, it's possible to look through book marked websites from any  computer anywhare because everything is stored online.

Facebook and Twitter. Facebook is the is seen as the most popular public social networking site. With Facebook, people have the abillity sign up for networks, be connected, and communicate with other people. Users may also add friends and give them messages. Furthermore, they are able to update their private information to inform friends and networks about themselves or there business.

Twitter is yet another free social networking and micro-blogging provider. Twitter makes it possible for users to send and browse other users' posts known as tweets. A tweet is a text-based post up to 140 characters in length that may be available on the user's profile page. Tweets are brought to other users who've subscribed to them. They are referred to as followers.

Senders can minimize views of these tweets to the people in their network of friends. Additionally, one can also allow anyone to access his tweets. For small business marketing, Twitter enables you to broadcast the company's latest information as well as blog posts. Internet marketers can also work together with consumers through Twitter.

WordPress/Blogger. With blog services such as Wordpress and blogger, anybody can establish and begin their very own blog or website that they can use for small business marketing. These sites have settings, features and a structure that are really easy to use and truly user friendly.

The the sites and tools mentioned above are all things that should help you if you use them effectively get your business on the map.

Shopping On The Internet Is An Excellent Way To Purchase Your Promotional Merchandise

No matter what the reason that you are looking for promotional products, whether you are thinking about using them for an upcoming event or want to order some general products for use in your business you will find that there are many different companies on the web that sell these products. Looking around for logo imprinted products online takes more than just finding a company because there are many different websites out there on the web and discerning the difference between one and the other can be difficult.

Take a look at the companies that appear in the top of search results. Look at their sites and what they are offering. Carefully inspect some of the pages to make sure they do not overlap with the same products on different pages as this is a common way of doing business look big and have a larger selection than they really are. Note, of course, that just because a company is in the top of search results does not mean they trust this is only a representation of your web presence and a better company may still be further back in the search results.

Once you get an idea of your site and they seem to have a secure website and provide elements that would be interested in, get a couple of questions to ask and give them a call. You always want to take the time to call the customer service number before placing a web order to see exactly what type of phone service is available. Many times you will have to contact the company with questions and additional information about a product and you need to know that someone knows there to answer your call. If you find that the website is offered only contact you by e-mail, then you probably will want to shop elsewhere some companies may take days to reply to e-mail and can not always have that kind time to wait for a response.

All Web-based companies are not identical and, therefore, you must be careful and take time to check their reputation online and you can watch in society and communicate with the Better Business Bureau about the company as well. You can never be too careful when dealing with a company online and make sure they take credit cards, so you have some form of redress if there is a problem with your order.

For the most part online promotional products companies are safe and reputable but it is a good idea to ask for some samples of their work before placing your first order. This way you know that you are getting quality products for the price you are paying.

Our Blogger Templates: What It Takes to Build a Successful Money-Making Blog

Hey guys I came across this really cool article in my search to bring you the best money making and saving tips. Check it at the link below!

Our Blogger Templates: What It Takes to Build a Successful Money-Making Blog

Making Money Online And Utilizing The Internet

Becoming rich is not impossible. Anyone can make money online as long as they have the ambition and drive to do so. Everyone has an idea that can be used. Its just a matter of getting things in place to make that dream become a reality and create your own fortune.

Many people have skills and ideas that others in the world don't have and could make use of. These skills and ideas can be used to make money online and create riches for the person. All they need to do is to find a way to use these skills and ideas to help others and to market them so that those who need it can find them. Just about everyone has something that can make them money online. Finding the ambition to move forward is the most important step towards making the dream of wealth come true.

There are those in the world who have become rich through an inheritance or simply being born to parents who are wealthy. Unfortunately, this is not the most common way in which people become wealthy. This is, of course, the easiest way though not typical. For most people, becoming rich by a business created to make money online will take work and time. Whereas the wealth is not instantaneous, it is well worth the hard work that is involved.

However, simply finding your idea and creating advertisements to reach your customers is not enough to make you or anyone else rich. To make money online you will need to work consistently. You will need to work towards your goal or you will never reach those goals. One of the biggest mistakes that new business owners make is to begin to rely on others to carry their business. Many business owners think that they can sit back and watch the money roll in. This may be true once a business has been well established. However, especially in the beginnings of a business, the owner must continue to be involved.

Desire Is What Drives Consumers

When you have decided what type of business you wish to run, you will need to focus on your potential customers. These customers will desire what you have to offer. In order to use this to make money online, you will need to focus your advertisements on those potential customers and make your business appealing to them. One the best ways to make your business succeed is to focus on the needs and desires of your customer and cater to those. Customers are more likely to return to a company that has treated them right.

Each individual person has their own desires. They know exactly what they want to own or when they would like to do something. These desires often drive what that person does with their daily life and the long term goals that they develop. The pursuit of these desires is what everyone person aims for in their lives. This desire can be the driving force behind you finding a way to make money online. All you need to do is to find those that desire what you are able to offer.

To make this desire work for you in order to make money online, you need to find the people that are most likely to want what you have. This can be done by finding groups that relate to your product or areas where those types of people generally go in their day to day lives. Once you have pinpointed these locations, you can make a concentrated effort to advertise there thus increasing your chances of acquiring new customers. The better you are at pinpointing your market, the more successful your advertising will be.

The next step in making the desires of others work for you to make money online is to word your advertisements in a way that the person feels that they need to come to you for their needs. The best thing to do is to word your ads with a sense of urgency. When consumers feel that they need to rush in order to take advantage of something that they desire, they are more likely to do so. If you do not create this need to hurry, consumers may think about something for too long and they may find someone who can offer the same thing to them and go with the other business. You want them to come to you.

Guide To Wealth Success: Learn To Make Money On eBay

Guide To Wealth Success: Learn To Make Money On eBay:            

"So you want to sell stuff on eBay, but you have two minor problems: you don't know how and you don't have stuff to sell. Not a problem. Keep reading..."

INM Secrets

What Network Do I Go For?

Student Money Saving Tips

Well its that time of year again where students are starting or going back to college/university. So I've put together a list of tips that I hope will help you guys out, because as a student myself I know how tight the money situation can get. Good luck to you all this coming year.

Money Saving Tips.

1. Loan textbooks instead of buying them.

2. Make use of free DVDs from your university library.

3. Buy food with a friend and share the cost.

 

4. Walk instead of taking the bus or driving to uni  (if possible).

 

5. Get your hair cut at a beauty college or at the uni salon.

6. Make sure your washing is full every load.

 

7. Find your cheapest petrol station using PetrolPrices.com.

8. Take a packed lunch to uni.

 

9. ALWAYS ask for a student discount!

10. Don’t order fast food after going out, instead munch on some cereal or bread when you get back.

11. Get Freeview instead of Sky.

 

12. Shop around – don’t go for the first price you find.

 

13. Download software for free instead of buying it. See How To Find The Best Free Software.

 

14. Go jogging instead of paying for the gym.

 

15. If you really do want to join the gym, the one at uni is usually the cheapest.

16. Budget for every week.

 

17. Eat in.

 

18. Make presents.

 

19. Make cards.

 

20. Find your cheapest pub and stick to it.

 

21. In freshers week don’t pay to join millions of societies that you will never go to.

 

22. Make popcorn instead of buying it.

 

23. Make the most of your degree, as people with good degrees generally earn more.

 

24. Phone people for free using services like skype.

 

25. Share lifts.

 

26. Go CouchSurfing instead of paying for a holiday.

27. Get a Young Persons Railcard if you spend over £72 a year on train travel.

 

28. Get rid of your car – do you really need it at uni?

 

29. Stop smoking.

30. Check if you are eligible for grants when applying for student finance as they don't need to be repaid.

31. Ask for a better deal on your phone contract.

 

32. Make a shopping list when you shop for food to ensure you don’t buy anything unnecessary.

 

33. Advertise anything you no longer need for free at Gumtree.

 

34. Use websites that offer cashback when buying online.

35. Try to not buy on impulse make sure it is something you really need.

 

36. Try to buy online as it is usually cheaper (although this may not be always).

37. Search for student discounts near you using studentbeans.com.

 

38. Look on Freecycle.org for all your free and recycling needs.

 

39. Beat the ticket touts by signing up to ticket alerts.

40. Use OpenOffice instead of paying for Microsoft office.

A Small Investment Plan

I was searching for money articles and looking in forums when a came accross this great blog post about investing. I liked it so much that I that you guys might find it usefull too. Check it out at the link below

A Small Investment Plan

Get paid to host a post

As a blogger I often find myself unable to post anything for days or weeks. I have either out of ideas or can't find anything suitable to post. Host-my-post is a website that pay bloggers to post ready made articles their blogs. Advertisers upload their articles on to Host-my-post so that publishers can view and accept articles they want to post on their blogs. This way both publishers and advertisers are in a win-win situation. As a publisher you can choose to select editable articles so that the article is suitable for your blog. Publishers are rewarded in points which can then be converted to cash or use to promote their own site as an advertiser.

Get Paid To Try

Up and Coming Paid Surveys Website, Getpaidtotry.com, Has started to Launch its Blogging and Referral Program.

GetPaidToTry is one of the premiere paid survey websites that offers its members the chance to earn money by completing various online surveys, product trials, product reviews, etc. Their reputation has been gaining positive momentum for the past couple of years and it growing with each day of operation. Now the website is giving members yet another way to earn money with a blogging and referral program.

GetPaidToTry no allows users to accumulate money by getting affiliates to sign up for their website. Each member will be given a referral link which should then be passed along to their affiliates. They will then be credited money accordingly. The payout is as follows:

Affiliates receive:

20% of their direct referral earnings
10% of their indirect referral level earnings
5% of their 3rd level referral earnings
3% of their 4th level referral earnings
2% of their 5th level referral earnings
1% of their 6th level referral earnings

Just recently, this website has added live feeds to its Twitter account. This allows its members to talk amongst each other and discuss various topics such as: what they like about the site, how it could be better, and what new features are coming to the site. This provides excellent consumer feedback and also helps the website to continually make improvements while gaining positive rapport with its users. With blogging, GetPaidToTry is creating their own online community which allows users to be more interconnected. This creates an ideal atmosphere for the site as it gives new users the chance to seek advice from members who are more experienced.

GetPaidToTry is becoming a frontier in the world of online paid surveys and is constantly expanding its horizon by giving its members new ways to earn money to put in their pocket. This is one way of earning money in a struggling economy.

For more information check out http://www.getpaidtotry.com/

25 Great Money Saving Tips

1. Change your attitude to your mortgage
The most expensive item you are ever likely to buy is your home. If you're not in the privileged position to pay cash, make sure the loan you use to finance it is the best available. For example, if you are paying your lender's full standard variable rate (SVR) you are probably paying hundreds of pounds a year more than you need to.

There are thousands of deals to choose from and while it is vital to check the small print for hidden catches, this is a relatively easy way to save a lot of money. Remember: loyalty to your bank benefits your bank, not you. Even better, if you can afford to make overpayments on your mortgage, you'll clear your debt several years early and make massive savings. For example, if you borrow £100,000 at 6% over 25 years, you'll pay it back at £643 a month. The total charge for credit will be £93,000. But if you can overpay by £100 a month you'll clear the loan in less than 19 years, giving you 6 years of mortgage-free living and saving a staggering £25,000 in interest.
Saving: £1,000s

2. Clear your credit card debt
One of the golden rules of financial planning is to clear your most expensive debts first, in other words your credit cards. OK, credit cards offer a convenient way to pay for goods and services but if you can't clear the balance every month, consider a low-cost loan as an alternative. Do the sums: a credit card debt (APR 15%) of £2,200 over three years will cost £545 in interest. A loan at 6% will cost £209. A saving of £336.
Saving: £100s

3. Cut the cost of your fuel bills
As the global demand for power threatens to outstrip supply, prices are rising. But that doesn't mean you need to be ripped off. The domestic market for fuel is a competitive one and you can change supplier with a few clicks of the mouse. Your new supplier will take care of the formalities - you just pay less every month.
Saving: £100
Link: Slash your fuel bills with This is Money

4. Consider installing a water meter
We take our tap water for granted. And why not? The companies behind the supply exist to make a profit, we pay them to supply water and have every right to expect it to flow from our taps. But if it doesn't rain, supply runs dry and the price goes up. So you may want to consider the possibility of installing a meter. If you have a big home with few occupants you may be surprised to learn you could halve your annual bill.
Saving: £100s

5. Cut your home phone bills
BT may seem to behave like a monopoly but it most definitely is not one. If you must use your phone there are scores of cheaper alternatives from cable companies that package your telephone, television and even broadband internet access to low-cost dial-up services that give you access to cheaper calls using your existing BT line.
Saving: £100

6. Consider a pay-as-you go mobile
Ask yourself this: is your mobile phone absolutely necessary? If the answer is yes, then ask yourself whether you really need all those minutes and texts that come as part of your package. If you hand over £50 a month to your mobile phone company, that's £600 a year – or around £1,000 of your gross salary. But you can buy a pay-as-you-go phone for as little as £30 and only pay for the odd call as and when you need to.
Saving: £100s

7. Make a shopping list
Food shopping forms a significant part of our monthly outgoings and the supermarket is where the bulk of the money is spent. Tesco takes £1 in every £8 spent by UK shoppers. But be warned, stores spend a small fortune studying ways of making us part with more of our money than we would otherwise intend to. Have you ever wondered why your favourite song is playing in the background as you navigate the aisles? Have you even noticed the background music? Possibly not, but you will have noticed at the checkout that the bill is often more than expected. To circumvent this, simply make a shopping list. Dig out the cookery books, plan a few meals and only buy what you need.
Saving: £10 a week = £520 a year

8. When was the last time you went to the market?
One way to beat the supermarkets - that is, to eat healthily for less - is to use your local market stall. Lower overheads should mean lower prices. At the time of writing, cherries were on sale in Asda for £2.99 for 400g, the equivalent at the local market was going for just over £1.
Saving: £100+


9. Consider own-brand goods
You can buy a tin of Asda own-brand baked beans for 14p and a loaf bread at Asda, Tesco or Sainsbury's for 19p. Enough said.
Saving: £100

10. Don't buy designer labels
Celebrities are given expensive clothes to wear. You're not. At the end of the day, and let's face it you may only wear the outfit once, can you justify paying hundreds of pounds over the odds because a top designer has had his or her name sewn on the label? And can you honestly say you can tell the difference at a distance between a £600 designer bag and a £9.99 one from the market? Think about it.
Saving: £100s

11. Sell your clutter on eBay
Take this quick test: You're at home. Open a cupboard. Look inside. If it's full of clothes you haven't worn, or 'good ideas a the time' you haven't used, for, let's say, three years - you don't need them. So why not sell them to someone else who does? Ebay, the online auction house, has opened individual sellers to a world of buyers. And you can flog anything for the cost of a small commission. Tip: you may want to buy a few items first to build up your rating as a respectable eBayer before you start selling.
Income: Will depend on what's in your cupboard

12. Use your talent to earn extra cash
Let's face it, if you're not a pop star by the time you reach your 20s you're never going to be. But you may be able to use your talent as a guitarist to teach other wannabes the rudiments of the 12-bar blues.
Income: It's not unreasonable to charge £20 an hour

13. Do DIY
We're a nation of obsessive DIYers and for around £100 you can take a course at your local adult education college to improve the skills needed to tackle most household repairs. If the college runs plumbing courses you could soon be on track to wiping out costly call-out charges and extra insurance policies once and for all.
Saving: £100+

14. Shop around for the cheapest household insurance
Unless you drive – car insurance is mandatory - you don't need insurance. But it's strongly advisable. Can you afford to foot the bill if your house burns down? Probably not. Similarly, can you afford to pay over the odds for the same policy available elsewhere because you can't be bothered to shop around? Possibly, but it's not advisable. The internet has made finding cheaper insurance easy and you can compare hundreds of policies in minutes.
Saving: £100s

15. Don't automatically renew annual travel insurance
If your annual holiday insurance policy is about to expire and you don't have a holiday booked, DON'T renew the policy. You're handing your money over to cover an eventuality that won't happen. You wouldn't have car insurance if you didn't own a car. Simply restart the cover again the next time you book a trip.
Saving: £50
Link: This is Money's travel insurance finder

16. Choose cheaper breakdown insurance
The breakdown sector is dominated by big names such as the AA and RAC. But being towed home if your car breaks down is just another form of insurance like any other and there are scores of cheaper alternatives.
Saving: Up to £100 a year

17. Are you paying too much for your life insurance?
We're living longer. As a result the cost of insuring the unthinkable is getting cheaper all the time. If you were sold a policy when you took out or mortgage you may have been under too much stress to shop around. You could be missing a trick.
Saving: £100

18. Book early
Low-cost airlines have created a market in holidays for people prepared to fly to any destination provided it's cheap. You can benefit from this too. Just remember, only a few seats on each flight are sold at bargain-basement prices and once they're sold, the prices rise. So book early.
Saving: £100


19. Book your own 'package' holiday online
The popularity of High Street travel agents is waning as more and more people warm to the benefits of researching and putting together their own holidays on the internet. If your holiday consists of flights, accommodation, transfers and possibly car hire, then take this test. Order a brochure from a leading holiday company and work out the price of your holiday including all the complicated supplements. Now go online and, starting with the flights, try to put the same package together.
Saving: £100+


20. Learn to say 'no'
It's easy to capitulate to the demands of a screaming child in a packed Woolworths on a Saturday afternoon. But don't do it. Similarly, how often does a 'swift half' after work turn into a £40 drinking session? Saying 'no' a few times a year will do wonders for your bank account.
Saving: £100


23. Don't pay full price for theatre or theme park tickets
If you are prepared to tolerate the unwieldy website and hit-and-miss customer service, lastminute.com regularly boasts some amazing deals for London's theatres and the nation's theme parks. At the time of writing you can see top West End show The Producers plus a two-course meal for less than £20 a head, a saving of £60 per person, and tickets for Chessington World of Adventures cost from £12, a saving of nearly £50 for a day out for a family of four.
Saving: £100s

24. Beat the ticket touts
Ticket touts earn their living by getting hold of tickets that are 'otherwise unavailable'. Well, here's the news: they are available to everyone when they first go on sale. You just need to know when they go on sale. Simply sign up to for the free ticket alert newsletters from the main agents to ensure that you're first in the queue.
Saving: £100s

25. Stop trying to keep up with the Joneses
Trying to keep up appearances is little more than a costly illness. Remember, you cannot judge someone by what they have because you don't know how they got it. Chances are they're in more debt than you are.
Saving: £1,000s