Money saving ideas * stop smoking * buy property * pay less tax * make money * get rich * big money saving ideas * build wealth * pay off debts

Something that never ceases to amaze me is how people, even on good incomes are prepared to borrow and get into debt rather than use their income to build wealth, buy property and make their money make more money and get rich. My money saving ideas will help pay off your debts but it is my money making ideas that will help you get rich.

Once you have debt problems due to borrowing money, it is a vicious circle and many people find themselves borrowing more money to just to pay the high interest repayments. In short, they are going out to work to pay finance companies who encourage them into debt.

Using my money saving ideas, even if you are on a relatively low income, providing you get yourself into a position where your outgoings are less than your income, my money making ideas will help you to start to accumulating wealth.

You can make real savings by using your commonsense and by stopping wasting money. My first six money saving ideas will have saved you the best part of £15,000 per annum so read on for a couple more.

Start of article about money saving ideas.

Money saving idea number 1 - How to cut your food bills in half.

Money saving idea number 2 - Pay off your credit and store cards

Money saving idea number 3 - Reduce your utility bills

Money saving idea number 4 - Only ever pay cash

Money saving idea number 5 - Drive a cheap car

Money saving idea number 6 Use your commonsense

With proper planning and managing your money properly, you can ensure that far less of your income goes into the coffers of the companies who are trying to persuade you to buy their products.

Money saving idea number 7. Stop smoking. This money saving idea only works if you are stupid enough to smoke. If you smoke 20 cigarettes a day, you are spending between £1800 to £2,000 per annum. I smoke, it is my only vice but as I am telling you to give up smoking, I am going to give up smoking too. Join me on my journey of despair as I kick this filthy habit. It isn't going to be easy but I am determined to practice what I preach by will power, determination and my own psychological approach to everything that I set my mind to doing. Having made the decision, I will give up smoking for good.

It isn't just the money and the fact that it is a disgusting habit, it is also the fact that at least £1500 of the money we spend on cigarettes is tax and I resent paying income tax and then getting taxed on tobacco, petrol, alcohol and paying VAT on virtually everything I buy.

Everybody's true rate of tax is nearer to 60/70% because of our spending habits. If you reduce your spending on trivia where the government bleeds you dry and then wastes the money on poor management and instead, invest your money in tax efficient ways, you could substantially lower your tax bill by paying less VAT and taxes on petrol, alcohol and tobacco.

So stop smoking, lower your alcohol intake, drive your car less and reduce your tax bill at the same time.

Money saving idea number 8. Buy holiday homes abroad so that you don't have to pay for holidays. Now you are thinking, this guy is totally off his rocker. Here I am trying to find ways of saving a few pounds and he is telling me to buy holiday homes abroad. No I'm not off my rocker; a little eccentric maybe, registered paranoid psychopath admittedly, reclusive and anti-social but not stupid or totally insane.

I will explain on the next page, but owning a holiday home or too is perfectly possible if you followed all my money saving ideas. If you include the holiday home idea and stop smoking too, you will be getting on for saving somewhere between £15,000 and £20,000 per annum.

There are of course hundreds of ways that you can save money by being more frugal about everything that you do but the rules of engagement to accumulate wealth are not to spend money unnecessarily, if you don't need it don't buy it, if you can't pay cash don't buy it and don't waste money and give it back to the large companies and tax man.

Money saving idea number 9. Write off a large percentage of your debts. If you have debts of more than £15,000 on credit cards, store cards, unsecured loans, car loans etc, you could get a large percentage of your debts written off. This is called an individual voluntary arrangement and all negotiations are handled on your behalf by insolvency practioners. You could find yourself better off by hundreds of pounds per month depending on what you earn and how much you are already paying. It costs nothing to ask and nothing to set up.

Money saving ideas are great but to accumulate wealth you also have to engage in money making ideas.