Contents
INTRODUCTION BEFORE WE GET STARTED LET'S GET STARTED KNOWING YOUR EXPENSES 
<ul>
<li>REDUCE SPENDING</li>
<li>GENERAL EXPENSES</li>
<li>GAS AND ELECTRICITY</li>
<li>MOBILE PHONES</li>
<li>TELEPHONE - WAYS TO SAVE LOADS!</li>
<li>INSURANCES</li>
<li>OTHER WAYS TO SAVE MONEY</li>
<li>FOOD & HOUSEHOLD BILLS</li>
<li>SAME SURPRISE EVERY YEAR1</li>
</ul>
PLAYING THE INTEREST RATE GAME KNOW YOUR DEBTS CREDIT CARDS, MORTGAGES, LOANS, STORECARDS & ANY OTHER DEBT 
<ul>
<li>LOAN SW41uCS</li>
<li>STORE CARDS</li>
<li>CREDIT CARDS</li>
<li>LOANS</li>
<li>MORTGAGES</li>
<li>Interest Rate</li>
<li>Fees</li>
<li>Secured vs Unsecured</li>
<li>Insurance</li>
<li>Recommendations</li>
<li>Terms</li>
<li>ANY OTHER DEBT</li>
</ul>
INCREASE YOUR INCOME 
<ul>
<li>GET GOVERNMENT HELP AND BENEEIT</li>
<li>PAY LESS TAX</li>
<li>START YOUR OWN BUSINESS</li>
<li>GETAJOB</li>
<li>RESIDUAL INCOME</li>
<li>GETANEWJOB</li>
<li>GET ADDITIONAL WORK</li>
<li>WORK LONGER HOURS AT YOUR CURRENT JOB</li>
<li>OTHER INCOME SOURCES</li>
</ul>
SAVINGS GETAPLAN 
Introduction
This manual is designed to help you gain better control of your finances, whether that is to help you reduce your debts, become debt free or to increase your disposable income. We will teach you skills and techniques that will stay with you and remain valid for the rest of