Your 2011 Survival Guide

Defuse the debt time bomb
The clock is ticking, you’ve to act fast. Quite possibly if you can manage the debts of yours now, what happens when interest rates rise? Hunt down every debt, beginning with pretty much the most expensive first, and dispatch them with extreme prejudice.
Snowballing is not a game. Slay which shop card. Crush your credit card. Take that overdraft down. Then turn the sights of yours on your mortgage, because when interest rates climb it may blow up in the face of yours. Debt will be your greatest enemy – Destroy it now, before it’s far too late.

Slash your spending
To survive, sometimes you have to be cruel. And Visit this page, please click the next web page, so line up your delicate small luxuries, and also hack them to shreds. Take a knife to the daily cafe latte of yours, standard takeaways or after-work pint.
Then, tackle the requirements. Spending too much on the weekly shop of yours? Website Mysupermarket.co.uk can help you forage for the most effective deals.
Stalking a bargain? Try Frugal Friday, our weekly round-up of the week’s best bargains. Scavenge through the kitchen cabinets of yours for forgotten tins, jars and packets of chow. Many people might live for weeks on whatever they find. Or perhaps brave the elements and develop the own fruit of yours and veg.

Outwit the taxman

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