feeling the credit crunch

[cory]

hi is anyone else feeling the credit crunch every month i am finding it really hard to get on top of things can anyone give any ideas we owe money on our credit card and mother in law and would love to get it cleard could anyone give some ideas pleas

[instigator]

get a job

[factor-fiction]

This site is a good place to start.
http://www.moneysavingexpert.com/

You need to increase your income or spend less or both Increasing your income may not be an option so the priority is to reduce spending. The site above will give lots of ideas.

A great starting point is to work out exactly where your money goes- how much on food, pub, gas, phone, mortgage etc and then review each one. You may be able to cut out some things altogether. I you have debts look to switch to cheaper debt- see Martin Lewis.

It takes willpower but you can do it. Good luck!

[energysaler]

you can start be reducing your outgoings and this should serve the purpose as a pay rise in the process.

I can help you reduce your utility bills, just visit :
http://www.energywholesaler.co.uk
an excellent long term investment for keeping more money in your pocket.

you can also look at consolidating all your debts onto a single loan with a lower rate of interest than that which you are currently paying across all your debts.

you can also look at cutting back on anything which you can live without for the time being until you are in a better financial situation.

do you have anything which you dont need anymore, which is just lying around causing clutter, you could potentially raise some cash by selling things online and have a clear out in the process.

good luck

[factor-fiction]

This answer looks suspiciously like advertising to me. Your user name is a bit of a giveaway!

[sunbeam42]

My husband works for a charity called Christians Against Poverty - they are a debt counselling charity who work with anyone free of charge regardless of belief, circumstances etc and help to get people out of debt by liasing with their creditors, banks etc on their behalf, and also teach budgeting skills which may be of benefit to you. Their website is www.capuk.org and on there you will find details of your nearest centre. Hope that everything works out for you - let us know!!

[squarebear]

I have no problem with the credit crunch. I live within my means and if I can't afford something, I don't buy it. Simple as that.