Free Debt Information

I again haven’t been writting on my blog again for a while for reasons you will probably understand. I have been selling websites again. I also now own blogblizard.com which is getting around 5 user registrations a day which isn’t bad, I am also starting to make money from the website from sponsours and so on. I have also sold my shares in a company which I bought for £2 each and they are now worth £6.50. I have 300 shares within the company so I now have another £1950 to put towards paying of my debt. I have also started opening a ring of websites, ready for the winter when I have nothing to do. Aswell as this I have also paid off £500 a month of my debts. So thats £2450 less to pay, its great .

The internet is so far the way forward in my fight against my debt, it feels like its coming to an end and all of the pressure off the banks, creditors, friends and family is slowly going away. My life is getting back on track and I can even now afford to have the odd trip to the cinema. I have also found myself a girlfriend. Please keep following my blog and even sign up, your continued support and seein the number of members rising has gave me the courage I need to do this and do it properly.

Current debt is £21798.23

Today has been a long long day for me. I have been building websites to help with my debt problems, making £40 per website I made, making 3 websites today. I can not do this everyday, as it is not everyday I have a day off work to do so.

It is really hard work and takes all day but offers a great payback, as I am sure you can work out for yourself. I have also started to label my wine bottles, as food, car insurance and debt, this is to make sure I have all of the money ready, yes I am missing out on the bank interest, but what is the worth of 1% interest unless you are a millionaire.

Today my free debt advisor came to see me, FINALLY.  He was not really helpful at all, he offered no useful advice that I could see, all he did was gave me leaflets, I guess you get what you pay for. i didn’t pay anything for him and I am sure he must have other clients who need financial advice which are paying. Private pays more than Government funded unfortunately, but I have another meeting next week to discuss savings and applying my ideas hopefully that will be worth my time. I could have made some money when getting this terrible financial help.

I have saved £40 into my wine bottle since my last update and paid off £500 of my monthly installments.

I now owe  £24248.23.

The last 3 days I have been searching the Internet on ways to help solve debt, I visited many sites and found that there is a lot of information out there.

I have decided to compile a few ideas on how to cut down your debts through using the Internet to make money. But firstly I would like to announce that I have saved since I last stated another £455 in my wine bottle and also managed to request charge back fees from my bank which I wrongly paid over the last 5 years which come to £35. So since I last stated I have saved another £490. My next figure will take into consideration all of the money I have paid of monthly and weekly to my creditors, I now owe  £24248.23.

How to make money on the Internet

There are many opportunities to make money online, but there are a few that must be grasped firmly and used. I will not go to far into detail but I will give some insight on how to help yourself become debt free through using the Internet, I think this is going to be one of the ways I become debt free.

1. Google Adsense

Google adsense offers a great opportunity for anyone to make small amounts of cash to large amounts. It all dependant on how each individual applies their mind. So what is Adsense? Adsense is used to display adverts on your website(s) if you own them, each time somebody clicks on an advert you are awarded with money from google, this could range from 1pence per click to £20 per click. It is all about luck. The best types of websites to start are blogs, as they are easy to create (if you need help please contact me). All you would need is hosting from Host gator for £5 a month, a domain name for £5 a year and that’s it, your off.

2. Ebay

eBay is the king of online auctions, why not make a little money from it? It really is simple, I started by selling ebookos which had resell rights to boost my feedback score and earn a little money. Its great as there is no item to send, its just a simple quick email with a download link. You would not even need your own website for this. The other thing I sold that are very hot at the moment are hydrogen fuel cells. They are easy to create and cost around £3 to make, but sell for around £40. Search for phrases such as run your car on water manual to find out how to create them, the ebook will cost around £20 but is well worth the cost.

3. Affiliating

Affiliating is a great way of making money, you basically sell other peoples stuff for them through a web link try it, there is NOTHING to lose out on.

Today I have been looking at ways I can cut down on my energy and food bills.

Gas Bill

First I looked at my Gas bill. Its rather a simple process to get the price lowered. Who cares if gas is different from different companies, at the end of the day, gas is gas to me and it does not matter where it is from as long as I can get it cheap. The main may to get your gas bill lowered is to use less gas. Don’t leave the cooker on longer than it is supposed to be. Switching to a new company was easy, I played each company off each other until they both went to their lowest and then I took the lowest Price which happened to be British Gas, I was with Npower. But prices change constantly, so who is to say Npower may be cheaper next month. This little trick has saved me £10 a month. It all adds up over the year.

Electricity Bill

This uses the same principle as gas does, play the companies off each other and learn that you will save an incredible amount per month.

But do you really need to lower the bill or lower your usage? Its is rumoured that old style light bulbs will become illegal and energy efficient light bulbs will take their price. Energy efficient light bulbs cut down on costs lowering your electricity bill and in turn lowering your debt as you will have less monthly outgoings. Try and switch items from standby to off. Standby uses around 70% of the electricity it would if it was fully operational, so you may aswell leave it on in essence and carry on wasting money.

£5 a month saving from this.

Food Bills

Now this has to be the biggest saver, Tesco in general will always cost more than Asda, you may ask why? Its simple, Tesco offer club cards which means the items have to be higher to make the club cards beneficial to their profit margins. Asda just offer the item and your off, no fancy voucher in the post offering a 40pence packet of polo’s like Tesco does!

Also I have started shopping in Aldi, I bought 3 Peppers at Tesco for around £1.50, but in Aldi for the same thing, it cost 59pence. I mean what A saving that’s almost a third of the price. It really is worth shopping around. I have also started to buy Asda own brands, they are the same in a lot of cases but cost a tenth of the price of branded items like Kellogg’s.

I hope this offers the correct financial help to some. Also visit Compare the market for offers and promotions and to compare Supermarkets on different brands. Online shopping can also make it easier to save money as you can compare online between the stores. Unlike if you are in a shop.

To all my readers.

As I have noted before I am busy doing, instead of just blogging to make my debt lower and lower. As you already know I  am no longer asking for credit from the loan people and my financial status is improving. This has included me cutting up some of my credit card and cutting up a few old debit card’s, just in case I use them. I am dealing with my money in different ways and use my debt as a positive learning curve in my life as it has shown me that goals are achievable and anything realistic and unimaginative is within reach to me or anybody.

Yes I have had a large gap where I have not managed to post anything on the blog. Why? Well here is the answer, I have been DOING instead of SAYING.

Today I will give a tip to everybody that is very important, It does not matter how many times you say, ‘I am going to become debt free’ If you do not do it and set yourself a time frame of when you will have no debts, it will never be achieved, get something in your sight and fight for it. It could be worth the roof over your head, or even your family and in the worst cases, It costs people their lives as they can not deal with the disappointment and regret and stress of the debt. Remember there is always financial help for anybody. No matter what situation you are in, you are not alone and there is a lot of free financial help out there. But they wont come to you, you obviously have to go to them, so stop being lazy and make a few calls today.

There are many companies that are government funded that will be more than happy to help as they will receive commission for anyone they help by the backing of the government. Get your eyes glued on yell.com and start DOING.

The last week that I have been absent I have done a lot and it has cut down my debt by a large amount. I was owed money by a friend and I now have the full amount repaid to me.  My friend gave me £50 last week and has given me the other £190 this week. I have also started writing in forums for pay, its only small pay but it helps and so far I have withdrawn £40 from my Pay pal account through posting in paid forums.

I have also not shown how much I have been paying off monthly to everybody. So far I have paid off £1000 to my creditors in installments that I can afford.

So that is now £26078.44 – £190 – £40 – £100 = £24848.44

I am getting closer to my goal and it is not as hard as I first thought.