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Advice on overcoming debt problems - Finance - PersonalFinance

If you have debt issues you will need some advice on how you overcome those debt problems.Here I will set out a schedule of good ideas to help you overcome a debt situation, which may enable you to become debt free without utilising a solution such as debt management or and IVA, or alternatively which can be used alongside those methods as a way of reducing your debt burden.1. Cash in all your unused items. We all have piles of things we have bought that we either no longer use or we never had a use for in the first place. Get these sold online, in classifieds or at car boot sales. Use the cash to pay off your most expensive credit first. Do not buy more things that you will never use.2. Use public facilities. Kids can swim free nearly everywhere now, an adult can join them for a 1. A double benefit here as well as spending time with the kids, you can get fit. Join a library and never have to buy a book again. Read all the best sellers for nothing.3. Cut out the takeaways and pizza deliveries. Make your own food it is cheaper and is fun.4. Always bargain. Everything has a price, but it is not always the one you see on the label. If you dont ask you dont get.5. Why always buy new. Second hand is a fraction of the cost and in many cases just as good.6. Unless your car will benefit do not buy premium fuel. Savings of many pence per litre.7. Use online comparison sites for utilities and insurance and keep checking for the best rates.8. Switch breakdown cover for the best new customer deals.9. Try generic offerings sometimes instead of branded products. They are not always better but many times they are certainly no worse for very much less money.10. Get the best phone package you can and keep changing to keep current dont tie in too long as the market is always making new best deals.11. Think what your big ticket expenditure is. If it is the mortgage, check you are on the best deal you can be. If it is a car, do you really need it to be new. Can you afford a 30% dip in value simply for taking it off the forecourt.12. Pay your bills by DD, you get a discount. 13. Dont over pre-pay gas and electricity. You tell them what you want to pay each month.14. Decide the difference between a want and a need.





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