NiggyBuzz Blog

The following is a paid review:

More than 2000 posts from 1000+ members already - you will find lot of useful info there and can share your own tips/experience with others.

Some of most popular threads are Saving Money, Part Time Job for Full Time Workers, Good Credit Rating, John Commuta’s Transforming Debt to Wealth, Paying Off Debt, Real estate and many, many more.

If you’re interested in how to earn more, save more and spend less, this is nice community for you! As example there is interesting post about How to get out of debt:

Posted by: Mrs Manager

Here’s a few tips before I grab hold of the investments board.

How to cut your outgoings and control your finances to get out of debt the Mrs Manager way:

1. Do you really need a car as nice as that? Check your operating costs of your auto, gas, insurance, taxes, maintainance, the lot. Cut them down by selling your existing auto for a cheaper one, or just sell it and go public transport if you can. How much would you save?

2. Do you really need that size house? Is your mortgage crippling you? Is your lease simply manageable? Look to downsize into the bare minimum that you can live in, you will find that you can save a few hundred per month to go towards your payments.

3. Use your debit card for EVERY single purchase for one month and then look at your statement and analyze it. Where are you spending too much money, where can you cut corners? Make a budget that is bare bones, literally just enough to get by. Spend cash only, nothing else.

4. Cut down on grocery bills by buying cheaper non-branded products and limit yourself to only one treat per week, like a small bag of candy you can spread through the week. Cut down spending as much as you can while still eating well. Also don’t eat out even for cold snacks.

5. If you drink and smoke, cut out beer and cigarettes to a minimum. If you drink two nights a week, just do one night. Then try once a fortnight.

6. If you’re still having problems then contact your creditors and see if your can renegotiate your terms, such as extended loan period and even lower interest rate. Paying longer means paying more in the long run but if you really are struggling the key to debt management is to make it affordable.

See if anyone else agrees and if it helps anyone else.

The Finance Forums is a forum with a difference - while it provides help and guidance on personal finance issues, it is also a revenue-share forum using Google Adsense. It also actively exposes pyramid schemes and other investment scams.

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