Money saving ideas * lower mortgage payments * halve food bills * reduce debts * increase income * money saving ideas * cheaper electricity and gas bills

Ever wonder how some people on a lower income than you seem to have a better lifestyle? It's all down to money management. My money saving ideas and the links on this page can help lower your mortgage repayments, cut your food bills in half, reduce your debts, increase your income, show you where to get cheaper electricity and gas and show you numerous simple other ways to save you money.

Throughout the pages in this section, I'll show you how to accumulate money, buy the things you want without borrowing money, buy a one bedroom apartment for less than £20,000 and become a landlord generating rental income.

The difference between the haves and the have nots, is not so much the difference in their incomes, it is the way they save money, hang on to the money they have and make the money they have work for them. All it takes is a little organisation, a little patience and the determination to make money rather than just spend it.

There are the idiots who just go around spending money on credit cards because they believe they deserve something and the intelligentsia who don't spend money unless they really have to or know it will save them money or make them even more money.

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All you have to do is do your maths. Your household is your business, if the outgoings are higher than your income, your business is losing money. The day you put your household into a position where your income is more than your overheads, you start to accumulate money and I will show you how to turn that money into more money with money saving and making ideas so that you start to accumulate wealth.

Once you are on the right path, it is only time and patience before you can start to feel extremely comfortably off. So let's start the ball rolling with my first money saving idea.

Money saving idea number 1. How much would you save per annum if you were to cut your weekly food bills in half? The French are the thinnest nation in Europe and this diet is the most popular diet in France. It spread through France like wildfire because it doesn't just show you how to lose weight. Follow this diet and it will cut your food bills in half but that isn't the only reason why it became so popular. Subscribers to the diet also found their sexual libidos improved and many overweight women who had had problems conceiving found themselves pregnant. In France it is known as the love or sex diet.

I estimate the average household could save between £2,000 - £3,000 per annum on this diet as well as lose weight and have a lot of fun by the sound of it.

Now an idiot would simply take that extra money and blow it on something stupid and be no better off. Someone with just a little bit of commonsense is going to set that money aside every week and start to accumulate more money, not just in interest but by making it really work. You will need to keep reading to find out how.

Money saving idea number 2. Now you might have credit cards and store cards where the interest is bleeding you dry and you think it more sensible to pay them off with the money you just saved. In fact, it might be more profitable to go for a debt consolidation loan or remortgage.

Credit card and store card interest rates can be extremely high which would swallow up the money you just saved. On the other hand, a loan at a lower rate of interest but spread over a longer period could pay off your credit and store card debt with one payment and put more money in your pocket every month. Providing you make sure there are no early redemption penalty charges on any debt consolidation loan you take out, you will be able to pay it off early. I will show you how if you read on.

If you have loans and credit card debt totally £10,000 to £12,000 per annum, by consolidating those debts you could be better off by as much as £4,000 per annum.

Just two ideas that could have made you better off by a £5,000 to £7,000 a year and we have only just started. Read on for the next money saving idea.