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 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
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.
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
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
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.
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
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
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
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
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
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
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
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.
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
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
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
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
There are so many ways to make extra money it can make your head explode. BUT with opportunity comes opportunists willing to say anything to get your hard earned cash off you when all you’re trying to do it make
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
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
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
YES! No-one ever got rich AND stayed that way by disliking the stuff! If you don’t like, want or care for it, the universe will do your bidding and take it away. Do you want to get and keep more
It’s never too late (almost!) do you need one, i would think so! Why do you ask? Most pension sites create white noise in my head so here is my simple take on why you should have one, when you
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
A. Both. If you have free or low cost money from a credit card AND you invest or use the money to make MORE than the debt cost, then it’s good. IF however you have spent the money on stuff
Debt consolidation is only a good idea when it’s going to cost you less in interest over the term, NEVER if you just want more money to spend by reducing your monthly payments. If you want it to feel