There was a time when debt consolidation related to very limited range of products, most commonly the consolidation loan. There would be adverts everywhere encouraging people to move all their debts under the one umbrella of a consolidation loan and for the most part, this was a positive move, at least in theory, and when used correctly.

So the postman makes his usual rounds, delivers your morning mail and amongst the pile you see an ominous letter from the bank or one of your creditors. We’ve all done it before, where you pick up the mail and think “I can’t deal with this right now”, or “I’ll look at it later”, or “whatever, they’ll get it when they get it, can’t pay with chocolate buttons…what am I supposed to do!?”

When it comes to money, the internet abounds with blogs and sites that all offer their own particular brand of financial advice and tips. While that is all good and well, the problem is that often these start to regurgitate the same material, the same tips, in some cases the same material only re-worded to avoid shouts of plagiarism.

Money doesn’t come cheap or easy, at least for the great majority of us. Every cent is hard earned in exchange for the sacrifice of goods, time and effort. But as hard as we work to make money, there are always opportunities to make more, to spend less or to save more. There are also, always people out there that want to take it from us. If money is a financial evaluation of how much our time is worth, you can increase the worth of your time by not settling to exist on your regular wage alone. Here are some tips on how we can all make or save some more cash.

Some people are born savers, they are great at it, stashing away every unspent cent to create a monster of a nest egg for the future. Then there are those of us that are not so good, frittering away all our expendable income month by month into the consumer abyss of morning coffees, nights out, takeaways, treating the kids and entertainment only to reach the end of every month with a little spare change to save.