Welcome to your one stop shop for organising your finances. We have loads of cool spreadsheets, prinable planners and guides as well as some super simple where do I start type stuff along with how to guides for debt issues plus a case study on the best way to start paying down your debt to get there as quickly and cheaply as possible.

debt freedom
Plan Your Debt Exit

7 Steps To Debt Freedom

Debt can be very scary if you’re feeling lost and out of control, but when you get it organized and get the right help and support, it really isn’t all that bad, honestly! You might even be able to turn

Read More »
The Tool Kit

The 31 point action plan

Download No_5: The Action Plan 31 point action plan to help you get out of debt no matter where you are along your jouney and what your personal situation is. Subscribe to get access to ALL these free tools NOW.

Read More »
The Tool Kit

The Reminders

Download No_4: The Reminders This handy reminder sheet will give you a heads up when your contracts are about to run out. Letting your mortage run onto a standard rate or your insurance  roll over with the same provider could

Read More »
The Tool Kit

The Checklist

Download No_3: The Debt Checklist Having trouble getting started? Fear not, this simple step by step guide will help you make sure you’re covering all the bases. These 8 simple steps to get out of debt will set you on

Read More »
The Tool Kit

The Debt Tracker

Download No_2: The Debt Tracker This detailed debt management spreadsheet gives you a comprehensive view of all your debt and credit in one place. If you are not comfortable with Excel, there is a printable version in the download file.

Read More »
The Tool Kit

The Budget Planner

Download No_1: The Budget Planner Watch the budget planner at work! Need a comprehensive excel budget planner that automatically works everything out for you? ……..well here you go! This speadsheet enables you to add income into the income tab and

Read More »
Plan Your Debt Exit

Take the Debt Quiz

7 simple questions & answers to find your best debt help plan This short debt quiz will show you where to start with paying down your debt and managing your money. If you are you feeling a bit lost and

Read More »
Plan Your Debt Exit

Avalanche or Snowball?

Avalanche vs Snowball methods to pay down your debts; which one is best?? Choosing a method to pay down your debt can be even more important than how much money you have to do it with. The wrong plan can

Read More »
Plan Your Debt Exit

Credit Report

Did you know that there are 3 credit agencies in the US that provide credit reports? Did you also know that each credit agency can hold very different information about you? Shocking isn’t it? Don’t forget that in these times

Read More »
money muddle
Muddled

Welcome to MONEY MUDDLE!

Are you sick of being muddled about money? Is your debt getting put of control? Or do you just want to have a better grip on your finances? If this is you, then please read on……………………………….. This site contains a

Read More »
DEBT!

Use Debt to MAKE Money!

Want to know how to use good debt to MAKE money?? Then read on……… If you are still in a lot of debt that’s charging huge sums of interest then please read “get out of debt fast” and look at

Read More »
planning
Plan Your Debt Exit

Debt Action Plan

Knowing were to start with taking action with your debt and making a plan that you will actually follow can be a real challenge, especially as we all have different circumstances and pressures in our lives; there is no “one

Read More »
crisis
Plan Your Debt Exit

Bad Credit

Do you feel like you are running out of options…..fast??!! Maybe you feel like you’ve “tried everything” but your debt just isn’t going away? Fear not, just because the solution hasn’t been easy to find, doesn’t mean it’s not there.

Read More »
Investing

Where should I save my money?

The simple answer would be: “The place with the lowest risk and highest return”. But there are so many other factors involved; you could try ISA’s, Peer to Peer lending, Property investing, Retail or a big biscuit tin!! It depends

Read More »
Investing

How do I invest without any money?

Easy; use someone else’s! Seriously though, depending on your financial health, you could be borrowing money at 0% and investing it relatively safely at 5% or more – just so long as you have no expensive debts, you’re on a

Read More »
Spending!

Should I buy or lease a car??

Unless you absolutely MUST have a new car right now (or as soon as humanly possible), I’d say buy a slightly older one and save a small fortune. If you will buy a new one anyway, then it might be

Read More »
Spending!

Money Saving Hacks in the UK

These are not strictly “HACKS”, just a few things that I do regularly to save me a bit of money on day to day stuff – same stuff for less – LOVE it! The NUS Student discount card This is

Read More »
Spending!

Can I pay less for my mobile phone?

YES! You can pretty much always pay less if you are willing shop around and put some leg work in for cashback deals. If you can be flexible with the phone you want, and you don’t mind a referb, even

Read More »
Investing

Why can’t I save money?

You can!! You just need to find what works for you without making you feel restricted or deprived. There are loads of apps and ways to structure your money that will give you the freedom to enjoy your life (within

Read More »
DEBT!

What the best type of mortgage?

It depends on your personal circumstances, your credit rating, your loan to value amount (LTV), your age, the property and a myriad of other things but if you want a REALLY SIMPLE explanation of what it might look like for

Read More »
Income

Do Cashback Sites Really Work?

TopCashBack and Quidco have actually paid me so yes, they do. I personally think that these sites are brilliant, I’ve had my TopCashBack (TCB) account for about 4 years and I’ve had £1100 back so far on stuff I would

Read More »
Menu