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    , food, kids sports, gym membership, gas, electricity, holidays, birthdays plus all the trivial little bits and pieces that will soon run away with your hard earned cash. You will then know how much you
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    Are your drowning in debt? If you are in debt this can affect every aspect of your life. At the very worst it can result in you loosing your home, your partner, everything. The following tips will help you get your life back on track.

    Tip 1. YOUR SPENDING DIARY

    Every day write down everything you spend. You will be amazed how much you spend on trivial things, a paper or packet of mints when you get petrol, or crisps from the vending machine at work etc. Until you work out where you are spending your money, you can’t work out a budget. You need to set up a small note-book or spreadsheet for your everyday expenses plus a detailed budget so you can stop your money being wasted.

    Tip 2. BUDGET

    You need to write down EVERYTHING you spend your money on i.e. car tax, maintenance, food, kids sports, gym membership, gas, electricity, holidays, birthdays plus all the trivial little bits and pieces that will soon run away with your hard earned cash. You will then know how much you

    Some of Us Think
    Some of us think the topic of debt doesn't touch us and will never ever do. When we are not in debt we hardly take it serious. This is not the best way to achieve safety and prosperity. Even if you are not in debt you may become a victim of identity theft. This is a type of fraud that takes place when someone you don't
    p you get your life back on track.

    Tip 1. YOUR SPENDING DIARY

    Every day write down everything you spend. You will be amazed how much you spend on trivial things, a paper or packet of mints when you get petrol, or crisps from the vending machine at work etc. Until you work out where you are spending your money, you can’t work out a budget. You need to set up a small note-book or spreadsheet for your everyday expenses plus a detailed budget so you can stop your money being wasted.

    Tip 2. BUDGET

    You need to write down EVERYTHING you spend your money on i.e. car tax, maintenance, food, kids sports, gym membership, gas, electricity, holidays, birthdays plus all the trivial little bits and pieces that will soon run away with your hard earned cash. You will then know how much you

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    hen you get petrol, or crisps from the vending machine at work etc. Until you work out where you are spending your money, you can’t work out a budget. You need to set up a small note-book or spreadsheet for your everyday expenses plus a detailed budget so you can stop your money being wasted.

    Tip 2. BUDGET

    You need to write down EVERYTHING you spend your money on i.e. car tax, maintenance, food, kids sports, gym membership, gas, electricity, holidays, birthdays plus all the trivial little bits and pieces that will soon run away with your hard earned cash. You will then know how much you

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    t for your everyday expenses plus a detailed budget so you can stop your money being wasted.

    Tip 2. BUDGET

    You need to write down EVERYTHING you spend your money on i.e. car tax, maintenance, food, kids sports, gym membership, gas, electricity, holidays, birthdays plus all the trivial little bits and pieces that will soon run away with your hard earned cash. You will then know how much you

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    , food, kids sports, gym membership, gas, electricity, holidays, birthdays plus all the trivial little bits and pieces that will soon run away with your hard earned cash. You will then know how much you have going out each month (for annual expenses, divide by 12, for weekly expenses, multiply by 52 then divide by 12 to get monthly totals).

    Compare your monthly expenditure to your monthly income so you can see how much you have spare or how much overdrawn you will be at the end of the month.

    Tip 3. GET RID OF ALL LUXURIES

    Cancel or reduce mobile phone contracts, DVD membership, Sky TV, gym membership, cut out school/work dinners, (take a lunch box), cut out weekly/daily take-aways etc. These are all luxuries and at the very least should be cut down but should be got rid of all together if you are really struggling.

    Tip 4. MEAL PLAN / SHOPPING LIST

    Four people should be able to eat very well on ?50 a week. It is very easy however to wander round the shops buying anyth

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