| p>What can you do to maximise your chances of | | | | the regular ranges often come from the same field |
| surviving the credit crunch with as little financial fall | | | | of the same farm but are just a bit cleaner? So |
| out as possible? Is it possible? You may be up | | | | it's nonsense to buy the premium range - save |
| to your ears in debt and you may think the idea of | | | | money where you can... |
| settling credit card debt and personal loans may be | | | | Leave yourself time to walk to the shops if possible - |
| beyond the realms of possibility. | | | | also if you have to carry your shopping I can |
| But, there are things you can do... | | | | guarantee that you'll save money... Amazing how |
| Start by confronting your debt problems.... Make | | | | something is far less appealing when you have to lug |
| settling credit card debt a priority along | | | | it home rather than throw it in the back of the car... |
| with reducing your loan commitments. Check how | | | | STOP SPENDING!!! It's vitally important that you |
| much interest you're paying and if you're paying sky | | | | stop spending money on non-essential items. Stop |
| high interest rates it may be worth while to look at | | | | wasting money in other words... |
| consolidating your debts into one loan on a lower | | | | Then, once you've started getting a grip on your |
| interest rate where you pay one set amount each | | | | debts and controlling your spending you should start |
| month for a set time. It may be possible to | | | | putting some savings together then you're not so |
| transfer credit card debts onto a zero rate card deal, | | | | likely to have to get a loan when there's an |
| but you have to make the effort to pay off the | | | | emergency or you want a holiday. |
| amount in full before the zero rate finishes and the | | | | In the short term, until you've started settling credit |
| rate transfers to higher interest payments. | | | | card debt and any outstanding loans you're going to |
| Learn to manage your bills more effectively... It's | | | | have to face the fact that certain things you've |
| always worth shopping around for cheaper utility | | | | previously taken for granted have to end. Careless |
| deals to try not to be too impacted on by increasing | | | | and casual spending has to stop. You have to |
| prices. Make sure you're getting best value for | | | | monitor what you spend even if this means |
| money. | | | | destroying your credit cards, only taking out a set |
| Food prices are increasing so always look for the | | | | amount of cash each day when you go to work. If |
| best deals. Recent research has shown that | | | | you haven't got the means to spend money then |
| supermarket own brands are pretty much the same | | | | you're more likely to be disciplined about your |
| as the branded names. | | | | finances. It's tough but it's necessary. |
| Did you know that supermarkets' premium range | | | | When your money problems are more under control |
| vegetables which are frequently double the price of | | | | then your situation will become brighter. |