Money problems advice * help with money problems * solutions * how to solve money problems * money worries advice * increase income

All the advice in the world won't help your money problems if you do nothing or borrow more money only to continue making the same mistakes.

Go to the start of this article about money problems.

If you are going to take advice and maybe then remortgage or take out a secured loan to consolidate all your debts, make sure it is for the last time. Too many people take out debt consolidation loans then continue to live above their means only to find themselves back in the same position a few years down the line.

In order to prevent this happening you need to make a few changes to your lifestyle and attitudes to spending.

• Consolidate your debts and reduce your monthly outgoings, then follow this advice to continue reducing your monthly expenditure and increase your income.
  
  

• Who in the right mind borrows the equivalent of half a year's income on a new car? Someone with low self esteem, someone who feels the need to impress, someone who is prepared to put themselves in debt just to be seen driving a status symbol. Who are they kidding? Only the other idiots who measure success in this manner, certainly not the people who follow this advice.
  
  

• Stop moaning about how little you earn. If you are on a low income; do something about it. There are ways of earning additional income, working from home that have the potential to earn far more money than you are earning now. Stop whinging and take steps to start earning money from home.
  
  

• If you need to make a major purchase - wait. Do you need it now? Can it wait until you have saved enough to pay cash. If you wait and pay cash, the likelihood is it will cost 75% less than if you borrow on finance.
  
  

• Do something about reducing the cost of your telephone, gas and electricity bills. Switch suppliers, this one offers the opportunity to make free calls to any UK landline telephone number all day, every day.
  
  

• But don't just stop at changing your telephone supplier, do something about cutting your electricity and gas bills as well.
  
  

• Even changing the food you put in your shopping trolley could save you £2,000 per annum. £40 per week saved, every week and a healthier lifestyle too. Healthy living equals a healthy bank balance. Manage your debts by managing your diet.

Follow this advice and your money problems could start to diminish very rapidly. Give it 15 to 18 months and you could have saved enough money to pay cash for a new car. Give it 5 years and you could be in a position to pay off your mortgage. Give it ten years and you could be set up very nicely for the rest of your life.

Sure it requires patience, discipline and dedication but isn't that far better than working all your life, paying out huge chunks of your income in interest every month simply because you were too impatient to wait to buy something you didn't really need?

Advice is great but sometimes you need help with money problems.