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5TH DEC 2008
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 How to get back on a firm financial footing in 2008. Mounting credit card bills, maxed out overdrafts…
January is the time when most of us have to tighten our belts after the excesses of Christmas and New Year. Finding a way out of your spiralling debt hell can be difficult if your finances are looking sorry as a leftover turkey dinner. But there are always things that you can do to save money now and get back on track as soon as possible.
* Write down all your incomings and outgoings to work out how much money you have after bills and rent every month
* Check your household bills and change provider if you are not getting the best deal
* Check your old statements now and reclaim those now illegal banks charges
* Cancel the gym membership and get out running in the park instead
* Hit the sales to make some real savings...just don't go over budget!
But if you want to make a real difference to your financial situation then learning a new skill could make all the difference to make sure you are not in same straits this time next year. Broadening your knowledge and expertise could see you grow your income by £2,000 - £3,000 or more, meaning that next January could be a different story.
Independent financial expert, Alvin Hall, agrees and comments: “In our already hectic lives, we frequently overlook the fact that developing new skills and acquiring fresh knowledge helps us to remain valuable. We are our biggest asset, and it’s natural to want to spend money on looking good, but if we invest more on training and learning too, there will be more to spend on make up and facials! ”
“A Learning and Skills Council study revealed that half the population believes money would have the biggest positive impact on their lives. Learning a new, useful skill or enhancing those you already have is therefore one of the smartest investments to increase your worth and to earn more money.
“Just think, you could increase your earnings by ten to fifteen thousand pounds over five years - and perhaps even more in the longer term. Simply put, the more you invest in and improve your knowledge, the more you can earn. It’s a win-win for your self-esteem and ultimately your bank account.”
For more information visit www.lsc.gov.uk/inourhands
Provided by The Student Zone (United Kingdom) |
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