125 tips for dealing with debt

We've put together our best tips on debt for the past four years. It's the ultimate package of ideas and guidance, which will give your debts a good whack on the head.

In this article, I'm going to show you 13 places to get free financial advice. But that's later on. Before then, you'll have to read through 111 other tips.

Still, these come from the finest minds in the country, or at least, from the writers at lovemoney.com. Does it really matter which? You think you can manage your debts without us? You'll regret thinking that when you start reading through what we've collected here: the best of our past four years of efforts. What's more, it's all for free. You couldn't afford to pay us anyway, could you?

Budgeting and money-saving tips (22)

It all has to begin here, with budgeting. We're extremely aware that, more often than not, those people who ignore budgeting and simply go for consolidation loans and credit cards end up racking up more debts. Hence we give you the basics:

Consolidation isn't the answer (5)

In any case, a consolidation loan is just one possible solution for dealing with debt, and it's not the best solution for most debtors. Consider your five possible debt solutions here:

Getting more cash (10)

If you still need to borrow, here are ten tips on how to ensure your application for credit is accepted:

Don't just budget, think and plan (8)

Here are eight things to consider before you choose how you're going to borrow in future:

How to get a loan and as cheaply as possible (27)

I think I said it all in the sub-title, so jump right in:

How to switch to cheaper credit cards (5)

Maybe you think it's easy to do a balance transfer deal, but you'll have to bear in mind some of these issues:

Credit-card booby traps (22)

That last one was relatively easy, wasn't it? It's easy enough to do a balance transfer. The hard part once you've done it is to avoid all the expensive traps that are hidden in the small print:

Heavy stuff (8)

It's getting serious now. We're talking about the priority bills you should pay when you can't meet all your payments. We're talking about dealing with harassment from creditors, with court hearings and more. But we're going to help you:

If you're getting a grip on it (5)

This article is aimed at people who have already got a hold on their debts by budgeting and planning properly, and have stopped their debts rising for many months. If you're not in control of your finances, these tips are simply too risky.

So, have you got your pot-holding gloves on? Then let's go:

Get free debt advice (13)

As promised, here is where debtors can get advice. You'll notice that it says '14', not '13' below. That's because the 14th place to get free advice will not be useful for debtors, but it could be useful to you when you're out of debt and investing. When you have that sort of money, remember where you learned your new money-making ways, eh?

Good luck!

Finally, here's one extra for good luck. With many debtors suffering serious harassment from debt collectors nowadays, this article often proves a must-read, sadly...

> Compare balance-transfer credit cards through lovemoney.com

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