Manage debt * with proper debt management * your problems disappear * reduce your household bills * and earn more money

Managing debt correctly is about reducing monthly outgoings at the same time as reducing your debt levels. In order to manage debt, you need to do more than rearrange your finances. You also need to take a serious look at every aspect of your spending to see where money can be saved.

Go to the start of this article about UK citizens rising debt problems.

Get out of debt * stay out of debt * save money * earn an additional income

Three of the UK Government's major concerns are the nations health, eating habits and personal finances. The three are inextricably linked as I will explain.

If I can help you change your attitude to spending money and the way you approach your lifestyle, then maybe I can show you how to get out of debt, or reduce your monthly outgoings, reduce your household bills or even earn additional income from home and, most importantly, stay out of debt and start to acquire some wealth.


It is estimated that lower income households spend 40% more on their weekly food bill than those in middle to higher income brackets. The UK obesity problem is also more prevalent in lower income families. Whilst UK debt is spread more amongst home owners who are able to borrow more easily, tenants are more vulnerable to high interest loan sharks.

Walk around any supermarket and look in the shopping trolleys of the fat people walking round (you won't have to look far) and you will most certainly see a trolley full of junk and package food.

Despite all the media campaigns, fat people are continuing to eat the very thing that leads to their obesity. Fat people are fat because they eat rubbish, eat too much and do little exercise. Furthermore, they are spending far more buying and eating this rubbish, then if they stuck to a healthy diet.

Lower income families have less money to spend and what income they do have, they spend on crap food that is more expensive than fresh food.


If you want to save money and lose weight at the same time, adopt the French way of life.

Walk around any UK supermarket and you will find rows of aisles dedicated to crisps, snacks, biscuits, cakes, bread and fizzy drinks. Then there are the rows of freezer cabinets full of package and junk food.

Walk around any French supermarket and you will find small sections dedicated to this type of food and rows of aisles displaying fresh produce. No French woman with any sense of pride would consider giving her child a ready made meal.

In France, if your child is overweight, the Social Services are called in and if the parents fail to act in a positive manner to restrict or change the child's diet, prosecution for abuse can follow.

The French cook fresh, natural ingredients, eat heartily, drink more than their fair share of wine and as a whole are far thinner than the UK. Although food prices in France are comparatively similar, French households do not spend as much on food as their UK counterparts.

This is not a diet - French people will invariably sit down to a three course lunch and dinner of an evening. If you want to lose weight and save money all you have to do is cut out the junk food, cook imaginatively and eat fresh produce.

French women will, in general, walk their children to school. They take the opportunity to exercise, they take pride in their appearance, yet they spend less money on clothes than in the UK.

It is harder to borrow money in France as banking laws are far more restrictive. Debt is therefore far less of a problem than in the UK.

In France they have a saying "the worse the car - the richer the driver" and there is a lot of truth in this expression. French people do not feel under pressure to impress their neighbours. Their values lie in other directions.

If UK households were to change their diets, eat more healthily, cook fresh food, cut out the rubbish and reduce the number of takeaways, they would save 2,000 per annum on average. What would that do to your monthly spendable income not including your health?

Changing your diet is just one thing you can do. But right now you probably need to take some instant measures to reduce your debt. In order to do this, you need to do five things.

  1. You have to change your mindset and attitude to borrowing money. Is the purchase an absolute essential or simply a whim? Do you have to have it now? Can it wait until you have got your finances sorted?

  2. Take a close look at your current borrowings. Would a debt consolidation mortgage at a cheaper rate be a sensible option? Roll up all your debts for one last time, to reduce your outgoings and start to accumulate capital for your next major purchase. Make sure that there are no early get out penalty clauses, should you want to pay off the mortgage early.

  3. If you really are struggling to meet your debts and have debts in excess of 15,000 then you should investigate the benefits of an IVA.

  4. You should also look at ways to reduce your household bills. This doesn't just mean switching to a cheaper utility supplier. This involves changing the way you shop and what you buy.

  5. Having cut your overheads and monthly outgoings, would additional money earned at home come in useful? You could then take this additional money and pay it into a savings account and start to accumulate money for your next major purchase or paying your mortgage off early.

Changing your diet, changing utility suppliers, earning additional income and changing your spending attitudes will all help with your debt problems. But there is far more to managing life than just debt management.


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