Generated by All in One SEO v4.9.7.2, this is an llms.txt file, used by LLMs to index the site. # I BEAT DEBT For all things money! ## Sitemaps - [XML Sitemap](https://ibeatdebt.com/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [Blog](https://ibeatdebt.com/blog/) - [Heating your home for less this winter with Hive Heating](https://ibeatdebt.com/heating-home-less-winter/) - I don't know about you, but I swear not that long ago we were in the middle of a heatwave that felt like it was never going to end, and now, (as I am working from home and have been since March) I am sitting under a duvet, wearing my slippers and thermals every day, - [Unusual ways to make money](https://ibeatdebt.com/unusual-ways-to-make-money/) - I'm often asked what are the most unusual ways to make money. In the world we live in, where there are ideas and resources at the tap of a smart phone, there is no quick or easy answer to this, plus, what I find to be a weird and unusual ways to make money, might - [Charity shop and car boot sale flipping](https://ibeatdebt.com/charity-shop-car-boot-flipping/) - Can you make money from charity shop and car boot sale flipping? I'm always on the hunt for new ways to make some extra money and if you are reading this - then you probably are too. It might seem crazy, but you really can make money at car boot sales and other second hand - [Breaking Free: How to Escape the Debt Trap Once and For All](https://ibeatdebt.com/breaking-free-how-to-escape-the-debt-trap-once-and-for-all/) - Feeling stuck in debt can be overwhelming, but breaking free is absolutely possible with the right strategies. Escaping the debt trap requires focus, persistence, and smart planning, but it’s a goal that anyone can achieve. What Is the Debt Trap? The debt trap is a cycle where you rely on borrowing to cover expenses, only - [4 Important Stock Investment Tips](https://ibeatdebt.com/4-important-stock-investment-tips/) - Stock investing involves buying shares from an organization in the hope that their value will appreciate over time. Unlike other investment options, stock investing has a low barrier to entry because you can begin with as much or as little as you’re okay with. Stock investments are highly liquid, meaning they can be sold and - [How to Smoothly Shift from Job to a Business of Your Own](https://ibeatdebt.com/how-to-smoothly-shift-from-job-to-a-business-of-your-own/) - The transition from job to business is the most difficult phase in entrepreneurship. There are many fears and uncertainties that get in your way of success. Nothing anyone says is going to make this transition less scary, but you can follow all practices that successful businessmen followed at this phase of their career. It will - [Being productive when working from home](https://ibeatdebt.com/being-productive-when-working-from-home/) - Whether COVID has meant you are working from home when you had never done so before, or whether you are a small (or not so small) business owner, more and more of us are working from home for more hours than ever before. Before the pandemic I couldn't imagine spending so much time at home, - [Studying during and post pandemic](https://ibeatdebt.com/studying-in-a-pandemic/) - During the pandemic, in an unprecedented move, schools and colleges were shut for long periods. For the majority of learners, from nursery, right the way through primary, secondary, further education and higher education, teachers and students had to adjust to distance learning. For some organisations this is as simple as posting or emailing materials to - [How Can You Protect Your Employees in the Face of Business Debt?](https://ibeatdebt.com/how-can-you-protect-your-employees-in-the-face-of-business-debt/) - Business debt can hamper your business but how can you protect your business during times of facing debt? Running a business comes with challenges and fluctuations in finances are not uncommon. When facing the daunting prospect of business debt, safeguarding employees becomes a critical priority. Exploring the nuances of employment law in Witney amidst financial - [8 Tips for Tackling Debt While Adjusting to Single Income](https://ibeatdebt.com/8-tips-for-tackling-debt-while-adjusting-to-single-income/) - Living with a single income and debt can create problems but our tips will help you take back control. Adjusting to a solo income can be financially challenging, requiring careful planning and strategic decision-making. If you find yourself grappling with debt while moving through this transition, legal advice in Fleet suggests several practical tips to - [10 Ways to Save Money Buying Hearing Aids for the First Time](https://ibeatdebt.com/10-ways-to-save-money-buying-hearing-aids-for-the-first-time/) - Introduction Living with hearing loss can be a challenge, but the cost of hearing aids often presents another obstacle. In this article, we will explore 10 ways to save money when purchasing hearing aids for the first time. By following these tips, you can make the process more affordable and accessible. Researching Hearing Aid Options - [What happens in debt management?](https://ibeatdebt.com/what-happens-debt-management/) - My journey I am not a financial adviser and I can't give you debt counselling or specific financial advise, but I can tell you what happened on my journey with Christians Against Poverty - also known as CAP. I hope that by being honest and open with you about this, that it will make the whole - [Sell DVDs, CDs, Books and more to make money - here's how!](https://ibeatdebt.com/sell-dvds-cds-clutter-make-money/) - According to recent research, every home in the UK has hundreds, if not thousands of pounds of "stuff" that isn't used or needed. If you are anything like me, you hang on to this stuff for months or even years as you might need it "one day". We all have DVDs we've bought and never - [Meerkat Meals and Movies Hack](https://ibeatdebt.com/meerkat-movies-hack/) - I love going to the cinema, but it's really expensive. My friends and I are used to finding ways of making it as cheap as possible. We are big fans of Meerkat Meals & Movies. For those of you living under a rock, Meerkat Movies is an offer from Compare the Market which when you - [Maximising your home space](https://ibeatdebt.com/maximising-your-home-space/) - Whatever personal situation you may have found yourself in at the beginning of the pandemic (living with house mates, single and living alone, or married with a big family) you may have found that through home schooling and home working your house doesn't work for you any more. Some people may decide that the only - [10 Ways a Bankruptcy Can Impact Your Mental Health](https://ibeatdebt.com/10-ways-a-bankruptcy-can-impact-your-mental-health/) - Mental health can be impacted in many ways but how can bankruptcy cause problems? Bankruptcy lawyers are well-versed in the legal complexities of financial hardship, but the impact of bankruptcy extends far beyond legal proceedings. When bankruptcy strikes, whether in one's personal life or within a business, the consequences ripple through every part of their - [UK Money Bloggers Festive Hamper Competition](https://ibeatdebt.com/uk-money-bloggers-festive-hamper-competition/) - I am proud to be part of the UK Money Bloggers community - a great community of bloggers from a wide range of backgrounds and different money experiences. Some of the bloggers are more about living frugally, and some are more about making extra money. Some of them are focused on writing about financial advice - [Business Insurance: Do You Really Need It? Here are 5 Reasons You Do!](https://ibeatdebt.com/business-insurance-do-you-really-need-it-here-are-5-reasons-you-do/) - Everything comes with risks — including running a business! Anything can happen at any time when you least expect it. You might get hit by an unexpected natural disaster that can destroy your assets and property or affect your cash flow. An unhappy customer or client might file suit and make allegations against your business. - [Surprising scientific reasons to declutter](https://ibeatdebt.com/surprising-scientific-reasons-to-declutter/) - Surprising scientific reasons to declutter Clutter, mess, trash, stuff-I-used-to-like-but-now-keep-around-for-the-memories; whatever you call it, we’re all guilty of cluttering up our houses, offices and personal spaces with things we just don’t need anymore. It may start off innocent enough. A pile of papers that we keep just in case we need them, or stacks of threadbare - [Scam emails - how to spot and avoid falling for them](https://ibeatdebt.com/scam-email/) - Have you ever asked yourself "Is this a scam email"? If so, you are not the only one. More and more people are receiving questionable emails and are therefore having to become more and more savvt about the methods that scammers use. You might think "I'm not very interesting" or "I'm not very rich" so - [Is SplitIt the future of paying by installments?](https://ibeatdebt.com/is-splitit-the-future-of-paying-by-installments/) - DIsclaimer: I have never used SplitIt - and this is not a sponsored post, but I am just genuinely excited about the premise. I will update this post when I have spoken to some users of it. How does Splitit work? I have been looking at purchasing a new mattress and whilst this is not - [Massive Giveaway with UK Money Bloggers](https://ibeatdebt.com/massive-giveaway-with-uk-money-bloggers/) - I'm thrilled to be part of the UK Money Bloggers community and I'm even more excited to be part of their massive summer giveaway! A group of us have all contributed so that we can give away bigger and better prizes than we can usually offer on our own. It's a way of getting you - [Christmas Giveaway](https://ibeatdebt.com/christmas-giveaway/) - It's already November (no I don't know how) and we are fast approaching the seasonal period, which is always the most expensive time of the year as well as being a fun and hapy time. That's why I'm delighted to have been able to team up with some other top UK bloggers to be able - [Football fun for all the family](https://ibeatdebt.com/football-fun-for-all-the-family/) - My parents had two girls and my mum thought that my dad would feel left out. Little did she know that we would go to football games with dad and it would be her left at home on her own (including one year on their wedding anniversary). I grew up with the family team being - [Resources and books on how to make money - are they too good to be true?](https://ibeatdebt.com/resources-books-on-how-to-make-money/) - I'm often asked about my favourite ways of making money and I'm more than happy to share my experiences of anything from surveys through to mystery shopping and anything in between. I'm not saying I'm perfect, but I try to be transparent and only recommend things that I have tried myself. If you browse the - [UK Money Bloggers Spring Giveaway](https://ibeatdebt.com/uk-money-bloggers-spring-giveaway/) - As you know, I love comping and competitions. That feeling you get when you win a prize (no matter how big or small) is awesome and it's even better if it's something you wanted, needed or just wouldn't normally buy yourself. I'm only a small time blogger, so I can't offer these competitions often, but - [Win an Amazon Giftcard](https://ibeatdebt.com/win-an-amazon-giftcard/) - Regular readers of the site will know that I like to offer competitions when I can. In order to be able to offer you bigger and better prizes, I sometimes team up with other bloggers. I am bringing you a new competition between a load of great UK bloggers, who have all contributed towards the - [How I transformed my kitchen in under £100!](https://ibeatdebt.com/transform-kitchen-under-100/) - When I first walked into my house, over 7 months ago, and a long time before it became mine, I loved the space. I couldn’t however cope with the decor in the kitchen – so it was one of the first projects I knew I was going to undertake. I’m sorry if brown tiles are - [Frugal Fail Roundup - we're only human after all!](https://ibeatdebt.com/frugal-fail-roundup/) - There's a great community of UK based money bloggers but just because we are money bloggers doesn't make us perfect - I had a massive frugal fail just yesterday! In the words of Rag n'Bone Man - "I'm only human after all". Whilst between us we have a massive variety of experience and knowledge about different - [Can a Smart Meter save you money?](https://ibeatdebt.com/can-a-smart-meter-save-you-money/) - I recently had a letter saying that my gas meter needed to be upgraded as it was so old. I was also offered the choice of switching to a smart meter for both gas and electricity, and whilst I know that they are a controversial topic, I decided to go ahead. I am so forgetful - [Survey and research sites](https://ibeatdebt.com/survey-research-sites/) - Survey and research sites are a great way to make a bit of extra money if you have a few minutes to spare and have access to the internet. I quite often do surveys if I get to work early, or whilst I am on the bus. I have a few favourites that I'd like - [Can You Make Money From Online Casinos?](https://ibeatdebt.com/can-you-make-money-from-online-casinos/) - People today look to make money from all sorts of different recreational and/or passive means online. This can mean taking surveys, trying new cryptocurrency arcades, or even just engaging with certain free apps that offer potential payouts. Before any of these methods ever became popular though, there was online casino gaming — one of the first recreational - [How to save money when moving house](https://ibeatdebt.com/how-to-save-money-when-moving-house/) - Moving house can potentially be quite a stressful affair. However, it can also be quite an expensive one as well. The good news is that it’s entirely possible to save money when moving house. You just have to know how and where to save money. Read on for some great money-saving tips: Move Home During - [Investing Money During Coronavirus: is Now a Good Time to Invest](https://ibeatdebt.com/investing-money-during-coronavirus-is-now-a-good-time-to-invest/) - Investing money is always a risky and volatile game, but could now be the best time to invest? Find out whether the coronavirus is a good start for new investors, here… The coronavirus pandemic has led to, quite possibly, the biggest downturn in an economy in history. It’s been likened to that of the Global - [The 10 Best Ways to Reach Financial Freedom](https://ibeatdebt.com/the-10-best-ways-to-reach-financial-freedom/) - No one ever said that becoming financially free would be easy, but it is definitely worth the effort. If you're looking for ways to achieve financial freedom, then you've came to the right place. Those struggling financially often find themselves seeking solutions, coming across terms such as credit counselling, consolidation and bankruptcy. However, although financial - [A Guide to Managing Your Finances During a Lawsuit](https://ibeatdebt.com/a-guide-to-managing-your-finances-during-a-lawsuit/) - Lawsuits are incredibly stressful for many reasons, and the added factor of worrying about your finances certainly doesn’t help. While a lawsuit will likely always cost you some money, there are some things that you can do to help you manage your finances during this time. This way, there’s one less thing to worry about, - [5 Reasons to Get Started in Real Estate Investment](https://ibeatdebt.com/5-reasons-to-get-started-in-real-estate-investment/) - Real estate is a popular field and it’s no wonder when you realize how many real estate investors are highly successful. Investments aren’t just for people who are already rich. They’re for everybody and you don’t need a small fortune to successfully invest in your first few properties. If you have an interest in real - [The Top 10 Personal Finance Rules Everyone Should Follow](https://ibeatdebt.com/the-top-10-personal-finance-rules-everyone-should-follow/) - There are many personal finance rules that everyone should follow in order to protect their finances and live a more secure life. By following some simple rules, you can maintain control of your money and keep yourself from going into debt. Whether you're just starting out on your own or you've been handling your finances - [The Top 10 Benefits to Achieving Financial Freedom](https://ibeatdebt.com/the-top-10-benefits-to-achieving-financial-freedom/) - Financial freedom is a goal that many people aspire too. With it, comes a range of benefits, from improved mental health to more time free time. Below, debt help experts Carrington Dean share what they believe to be the benefits of financial freedom. Having helped thousands beat debt, the experts at Carrington Dean can help - [Difference Between a Traditional and Self Directed IRA](https://ibeatdebt.com/difference-between-a-traditional-and-self-directed-ira/) - Knowing the difference between the different types of IRAs will help you better understand the best option for you to choose when shopping to open an individual retirement account. And while you can be sure that they can all help you to save towards retirement, it helps if you know how they differ so you - [Top 5 most common car repairs & how to afford them  ](https://ibeatdebt.com/atop-5-most-common-car-repairs-how-to-afford-them/) - In typical fashion, our cars break down when we need them most. Whether it’s en route to work in the morning, days before an important event, or weeks before payday, an expensive car repair is the last thing we need. We can avoid or quickly fix some repairs if we take care of our vehicles - [When should you consider taking out a loan](https://ibeatdebt.com/when-should-you-consider-taking-out-a-loan/) - Ideally we would suggest not getting in to debt or borrowing money you don't have, but there is no such thing as ideal finances (unless maybe you are Elon Musk) or an ideal life. Sometimes we need to spend money we don't currently either have, or if we do have, we don't have access to. - [Augusta (APM) Review Pros And Cons](https://ibeatdebt.com/augusta-apm-review-pros-and-cons/) - Have you considered diversifying your post-retirement income? Are you keen on exploring precious metal investments? If so, you are highly recommended to place your trust in the hands of precious metal experts like those in Augusta. This company is characterized by uniqueness in its approach to clients, reasonable fees, and assistance in every single step - [Choosing the Right Virginia Beach Insurance Agency](https://ibeatdebt.com/choosing-the-right-virginia-beach-insurance-agency/) - Life throws curveballs, and we are all hit one time or another. It would be much better if we did not have to handle emergencies from time to time, especially cost-intensive or life-threatening ones. The truth is that we must all go through some storms, and it helps if we are prepared to handle them - [A Brief History of Slots](https://ibeatdebt.com/a-brief-history-of-slots/) - Called by various names like ‘fruit machine,’ ‘puggy’ ‘poker machine’ ‘one arm bandit’ and pokies amongst others, the slot machine is used in gambling as a game of chance. The name ‘one arm bandit' was used because of the large mechanical levers fixed to the sides of early machines as well as the games ability - [A Guide on Gold Investments](https://ibeatdebt.com/a-guide-on-gold-investments/) - Gold is a precious metal and it is widely used in the form of jewelry or coins. It has been around for a long time and still tends to be quite popular, especially in countries such as India and China. However, many investors are just starting to buy into gold nowadays. Gold is no stranger - [Can you make money from free game apps?](https://ibeatdebt.com/make-money-free-game-apps/) - I am often asked how to get free money but unfortunately there are very few legitimate ways of earning free money. For months when playing games on my phone and tablet, I have been inundated with adverts that promise that you can make money from free game apps. The ads show amounts rapidly building up - [My debt story](https://ibeatdebt.com/my-debt-story/) - Where it began My debt story began several years ago when I found myself with debt that was in the £1,000s. It was whilst my dad was terminally ill in a hospice and my employer at the time said I had to either come back or leave. Clearly I chose to leave and be with - [How to learn for free](https://ibeatdebt.com/how-to-learn-for-free/) - Whether you just have an interest you want to learn more about, or whether you want to upskill to further your career prospects, there are millions of training providers out there. Some of them will charge a small fortune, but some provide some really good quality free learning. If you want something specific (like a - [3 Live Acts for Your Next Event That Will Get Guests Invested](https://ibeatdebt.com/3-live-acts-for-your-next-event-that-will-get-guests-invested/) - Want to get your guests truly invested in your event? It's important to keep them engaged while feeling as if they're truly getting something out of the experience, which means lots of interaction. For a corporate event aimed at getting employees motivated or a fundraiser, invested guests can result in more sales or even record-breaking - [5 Benefits Of Getting Car Insurance](https://ibeatdebt.com/5-benefits-of-getting-car-insurance/) - Nowadays, most car owners might be aware of the fact that when they buy a car, they also need to buy car insurance with it . Why is it important? Well, there are a number of different reasons why car insurance can turn out to be really beneficial for you in the long run. In - [Filing a Complaint at Work: 4 Steps to Take](https://ibeatdebt.com/filing-a-complaint-at-work-4-steps-to-take/) - If you’re dealing with issues at work and want to have them sorted out quickly and efficiently, you might be wondering about the best way to go about this. A Raising issues with an employer can feel like diving into troubled waters, regardless of whether they relate directly to them or to another employee. However, - [Benefits of Working With a Tax Accountant in Vancouver](https://ibeatdebt.com/benefits-of-working-with-a-tax-accountant-in-vancouver/) - You’ll be able to reap many benefits when working with a personal accountant in Vancouver. If you own a small business or a professional offering your services, you’ll have no problems with your tax returns. This article will outline the perks and benefits of using a professional accountant to do your taxes and file your - [Benefits of using a digital bank](https://ibeatdebt.com/benefits-of-using-a-digital-bank/) - In the past few years we have all had a lot of upheaval. For me however there are two key things which stick out. Firstly I relocated from London to a small town in the countryside, and then, you know, the pandemic happened. One of the first financial issues I came across after my relocation - [Financial Planning in Your 40s](https://ibeatdebt.com/financial-planning-in-your-40s/) - Your 40s are a turning point in your life – for many people, it’s a time where you’re at the halfway point between starting your career and retiring, when you’re settled into family life and are building wealth. But it’s also a critical time to start taking stock of your finances, as the decisions you - [Can You Put Physical Gold In Your IRA & How To Do It?](https://ibeatdebt.com/can-you-put-physical-gold-in-your-ira-how-to-do-it/) - When people begin thinking more seriously about their retirement years, they realize that ensuring financial safety is paramount. After all, that’s the period in which you won’t be able to work, but you will still want to have enough money to enjoy those years and be independent. Nobody likes to depend on other people, especially - [How to build a rainy day fund](https://ibeatdebt.com/how-to-build-a-rainy-day-fund/) - Do you have a rainy day fund? If not, you really should. A rainy day fund is a savings account that you can use in emergency situations, such as if you lose your job. As a rule of thumb, this fund should contain enough money to cover around three months of your usual expenses until - [Hartford Gold - Choosing a Good IRA Company](https://ibeatdebt.com/hartford-gold-choosing-a-good-ira-company/) - Diversifying your investment portfolio is a great financial plan. This risk management strategy can help to make a portfolio stable and lessen the risk of not gaining from an investment. One such investment that diversifies a portfolio is a gold retirement account. A gold retirement account or IRA allows you to purchase and sell precious - [5 New Year's Resolutions That Can Help Save Our Oceans](https://ibeatdebt.com/5-new-years-resolutions-that-can-help-save-our-oceans/) - While it is always fun to make New Year's Resolutions, this annual rite is even more satisfying when we do it with a purpose. We all can target some of our plans for 2022 to help improve the environment, and since the oceans are crucial to everyone, this is an excellent place to start. Fortunately, - [Future Proof Your Career](https://ibeatdebt.com/future-proof-your-career/) - No matter how many side hustles, part time jobs or selling of items from around the house you do, the biggest impact in your finances is always going to be your main job or career. In the ever changing world we live in, new careers and job options are opening up all the time, and - [5 Things to Consider When Setting Up a Business](https://ibeatdebt.com/5-things-setting-up-business/) - If you are considering setting up your very own business, you’re probably feeling a range of emotions from anxiety to excitement. There are many things to think about before you begin so try not to rush into anything before you’re ready. Ensure you’ve dealt with the financial aspect of owning a business; be sure to register - [The Money Fox - Interview with owner Francesca](https://ibeatdebt.com/the-money-fox-interview/) - I'm delighted to bring you this exclusive interview with Francesca from The Money Fox - one of my favourite money blogs. She has some great tips about managing your money, especially as a single parent! Hi Fran, thanks for taking time to be interviewed. First of all, what made you set up your blog? To help - [8 Reasons Why You Should Enter the Stock Market in 2021](https://ibeatdebt.com/8-reasons-why-you-should-enter-the-stock-market-in-2021/) - The stock market has been around for ages, yet a lot of people are still skeptical about entering the it. It seems too good to be true – invest a little bit of money, and get a lot of money out of it. The stock market used to be very elite, and getting information about - [How Side Hustles Led to me Earning a Full-Time Income From Home](https://ibeatdebt.com/how-side-hustles-led-to-me-earning-a-full-time-income-from-home/) - I’m Clare, and I blog over at My Money Cottage sharing my top tips for making extra money from home and how to stretch the family finances that little bit further. My side hustling first started back in 2008 when I was pregnant with our daughter. It seems like such a long time ago now, - [Virtual Coffee Tours for the Rainy Days While Staying at Home](https://ibeatdebt.com/virtual-coffee-tours-for-the-rainy-days-while-staying-at-home/) - A lot of us are staying at home more than ever in the modern age, with the numbers of people working from home increasing, chances to socialise are also becoming fewer. When the weather takes a turn for the worse, you may be looking for activities that you can carry out indoors. Luckily, there are - [Matched Betting - what you need to know](https://ibeatdebt.com/matched-betting/) - Usually, if you saw something online that told you that you could make £1,000 (yes, a thousand pounds) tax free in the next month, I would tell you that it's a scam and to run as fast as possible in the other direction, BUT there is one "side-hustle" that promises this and that it is - [Low cost camping trip ideas](https://ibeatdebt.com/low-cost-camping-trip-ideas/) - It's no secret that camping is one of the most fufilling and money savvy ways of creating a holiday for you and your family to enjoy. It gives you the chance to experience the great outdoors with those that you love, get down in the more rugged way of living, and also help to take - [5 Google Sheets Formulas For Budgeting Like A Pro](https://ibeatdebt.com/5-google-sheets-formulas-for-budgeting-like-a-pro/) - Are you having problems with budgeting your finances? Sure, there are plenty of money management applications out there, but most require hefty paid subscriptions, ironic right? Google Sheets is a tool you can use for budgeting like a pro. It’s free, easy to use, and accessible anywhere, like your phone, tablet, or laptop. You just - [What Type of Bike Would You Want Somone to Buy You This Christmas?](https://ibeatdebt.com/what-type-of-bike-would-you-want-somone-to-buy-you-this-christmas/) - Bikes are presents that continue to provide fun for years to come. Whether you want a bike for Christmas or are planning to buy a bike as a surprise gift, you should ask yourself what type of bike you would want to receive as a gift. Cycling is great exercise and can serve as an - [Walking and Cycling for your 2020 health](https://ibeatdebt.com/walking-and-cycling-for-your-2020-health/) - There's no getting away from it, 2020 has been a very weird year! We've been in and out of Covid restrictions more times than the hokey cokey. The impact of the pandemic on people's health, physical and mental, cannot be underestimated. I live alone, and have been working from home since March. Earlier in the - [Eating out in Ireland](https://ibeatdebt.com/eating-out-in-ireland/) - I recently visited Ireland on a cruise holiday and had a great time. Personally, I am not ready to start flying abroad yet, but a cruise out of Southampton, where you have to be double vaccinated and you have to have a negative lateral flow test before boarding seemed like a great option to me, - [What is the meaning of MLM and why is it so bad?](https://ibeatdebt.com/what-mlm-meaning-why-have-such-bad-name/) - What is the meaning of MLM? The MLM meaning is Multi Level Marketing and unless you live under a rock, you are probably being exposed to it in loads of ways, you just might not realise that is what it is. In short it is nothing more than a type of pyramid scheme, just with - [How to avoid getting into debt](https://ibeatdebt.com/how-to-avoid-getting-into-debt/) - No one tries to get into debt but sadly it is one of those things that happen without you planning for it. It may feel out of your control and from there it can spiral. Staying out of debt, however, is very manageable and is not as difficult as it may seem. By following these - [Comping & Competitions](https://ibeatdebt.com/make-money-comping/) - Are you one of those people who says "I never win anything?" If so, let me ask you this, do you actually ever enter anything? It might seem obvious, but entering competitions is a big numbers game. The more you enter, the more chances you have of winning. 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This is where a - [How to Acquire Personal Loan with No Guarantor](https://ibeatdebt.com/how-to-acquire-personal-loan-with-no-guarantor/) - Some individuals who want to acquire a loan do not have someone eligible or willing to become their guarantor. Agreeing to be a guarantor means that you are willing to pay the loan if the original borrower fails to do so. Understandably, not everyone wants to be responsible for someone else’s debt. However, some lending - [How To Manage Your Debt Safely & Successfully](https://ibeatdebt.com/how-to-manage-your-debt-safely-successfully/) - Debt is something that many people struggle with in today’s day and age. There is both good and bad debt, but when you are struggling to manage your debt, it can be a slippery slope and impact just about every aspect of your life. Debt is something that must not be ignored. Instead, you need - [COVID and your property future](https://ibeatdebt.com/covid-and-your-property-future/) - In my opinion 2020 will go down in history as a year that defined a generation. Even once there are vaccines, the impact of the pandemic is going to be felt for a long time, from education, retail and the economy, day to day life (public transport, healthcare etc) but also the impact it's had - [Lockdown Lovelife](https://ibeatdebt.com/lockdown-lovelife/) - I live on my own. I've also been working from home since March due to the pandemic and the job role I am in. This means that I have not been seeing many people, at all (apart from the grocery shopping and Amazon delivery people). It's therefore no surprise that dating app and website usage - [Saving Money with Plum](https://ibeatdebt.com/saving-money-with-plum/) - Today I'm going to tell you about saving money with Plum. I don't know about you, but I've always struggled with saving money (and managing money altogether if I'm honest). If it's in my bank account it is in there - and if I need it, I need it, but if not, so be it. - [Pet hair use - 7 things your pet's fur can save you money on!](https://ibeatdebt.com/7-things-your-pets-fur-can-save-you-money-on/) - Yup, you read it right! There really are pet hair uses! After every grooming session, I end up with a big pile of hair that comes out of the coat of my cats' fur! I've always joked that I could weave them into something, but I decided to see whether there are any actual uses - [Guide to Getting Online Payday Loans for Bad Credit](https://ibeatdebt.com/online-loan-credit/) - It’s truly tough for people with poor credit scores to take out a short-term loan. But you can now find online lenders that offer payday loans with soft or no credit checks. 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The app is free to download and you don't have to - [Why Dave Ramsey might not have the right advice for you](https://ibeatdebt.com/dave-ramsey-not-right-advice/) - Firstly, I want to go on record and say that anyone who gets the conversations about money going and encourages people to face their financial situation cannot be all bad, however I do have major concerns about some of the teachings and quotes from the American Christian financial guru Dave Ramsey. He also happens to - [Branding your small business with fonts](https://ibeatdebt.com/branding-your-small-business-with-fonts/) - As a blogger or small business owner, your online presence is your way of connecting to customers, prospective and new, and standing out from the crowd. 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A Conforming Loan A conforming loan is one that meets requirements to be - [Why it's time to consider investing](https://ibeatdebt.com/why-its-time-to-consider-investing/) - Investing your money is widely known as one of the best ways to increase your income and generate wealth. Unfortunately, a lot of us are put off by making investments due to the risk involved, and end up missing out on the chance for success. Here are some of the reasons to consider investing, and - [How Christians Against Poverty helped me turn my life around](https://ibeatdebt.com/how-i-got-debt-free-with-cap/) - I know that there are people out there who find managing their money rather overwhelming. You can see no way of paying off the debts you have. You worry that each month will only mean further drowning into the black hole of debt and you can never picture actually becoming debt free. Does this sound familiar? If - [Defence Discount Service - what is it and who is eligible?](https://ibeatdebt.com/what-is-defence-discount-service/) - Whilst travelling in the US last year, I met a wonderful American couple. He was retired Military and in conversation they told me about all the discounts and deals in place in the USA for military personnel and veterans as a thank you for their service to the country. It got me thinking - do - [Pet insurance - saving money by spending money](https://ibeatdebt.com/save-money-spend-pet-insurance/) - My pets I have three wonderful cats, and they are indoor cats. As such, when I got the first two (Scruffy and Felix) I wondered whether I should get pet insurance or not, especially as a lot of people told me not to bother with pet insurance because being indoors, there was minimal opportunities for - [The Cult of Pinterest](https://ibeatdebt.com/pinterest-doesnt-work-for-everyone/) - So, you want to blog. You found your niche and you've started your website. Now you want to build traffic and monetize your blog. What do you do? Well in 99% of the blogging groups and forums I've seen, Pinterest is sold as the answer to all your prayers. Join lots of group boards, do - [Why I bought my baby niece a money box](https://ibeatdebt.com/i-bought-baby-niece-money-box/) - Babies & money For my baby niece’s first birthday, I bought her a moneybox. It was a really nice silver one, engraved with her name and the date of her first birthday. She doesn’t have a clue what it is, or what’s in it, so why did I bother? The simple answer is that because - [What you need to know to avoid online dating scams](https://ibeatdebt.com/need-know-avoid-online-dating-scams/) - Stories How often do you see stories in the media about people being conned out of their life savings after trying online dating? I don’t know about you but I see it pretty regularly. Online dating scams are getting more and more prevalent. To me, scamming people via online dating is one of the lowest - [What "The Greatest Showman" teaches us about money](https://ibeatdebt.com/what-the-greatest-showman-teaches-us-about-money/) - I had some great feedback on my recent post about what "Confessions of a Shopaholic" teaches us about debt and I wanted to look at some other movies or books and look at what we can learn from money about them as well. If you don't like "The Greatest Showman", or you haven't seen it - [Why I love Everything 5 Pounds](https://ibeatdebt.com/everything5pounds-reviews/) - Everyone seems to be talking about Everything5Pounds. I figured it was too good to be true and never looked. Then one day I needed some new tops for work, but I’d just moved house and didn’t have a lot of spare cash so I thought I’d try out the online store everyone is talking about - [My top tips on finding a low-cost holiday](https://ibeatdebt.com/top-tips-finding-low-cost-holiday/) - Holidays are my vice! I try to have one trip abroad every year and that's what I put my spare money towards. I know that I could go away for a lot less money if I was much more flexible and planned better and that's where my top tips for cheap holidays overseas come in! - [Adopt, don't shop - the purrfect pet doesn't need to cost a fortune!](https://ibeatdebt.com/adopt-dont-shop/) - I’m a passionate follower of the “Adopt don’t shop” movement. For those of you who don’t know, it is all about pet rehoming – basically encouraging people to adopt animals from a dog or cat rescue centre or shelter rather than paying a breeder or store for a dog. Now I’m not criticising anyone who - [Three ways to save money when buying a house](https://ibeatdebt.com/three-ways-to-save-money-when-buying-a-house/) - Buying a house is probably the most expensive purchase you will ever make. It’s not just the price of the house though. There are many other costs involved that can amount to a significant amount of money. Buyers are sometimes shocked at how much cash they have to find just to cover all the fees, - [A guide to choosing running shoes](https://ibeatdebt.com/a-guide-to-choosing-running-shoes/) - Running is the most cost effective types of exercise! It is very important to take care of your feet considering the fact that they are your foundations. One of the best ways of doing this is by looking for the best running shoes. These shoes are usually among the most important piece of gear. This - [How much does it really cost to hire a builder in your city?](https://ibeatdebt.com/how-much-does-it-really-cost-to-hire-a-builder-in-your-city/) - When it comes to building, repairing or renovating your home, you need to know how much it will cost. But the financial investment is not the only thing you’ll make: there are emotional factors too. When you experience a job well done you probably feel a sense of joy, but if the project is botched, ## Pages - [I beat debt - For all things money](https://ibeatdebt.com/) - Popular content: - [Work With Me](https://ibeatdebt.com/work-with-me/) - Would you like to work with a U.K. Money Blogger on anything personal finance related? If you are interested in working with me please do not hesitate to get in touch – my email is vicky@ibeatdebt.com or you can find me on my favourite social media platforms including Twitter, Facebook and Instagram. If you’d like - [About](https://ibeatdebt.com/about/) - About me Hi everyone, my name is Vicky. I'm a 30-something year old living in West Wiltshire. I work full time, and have done since I was 18. Through a run of circumstances (some of which were out of my control, some less so) I ended up in debt. After hiding my head in the - [Making Money](https://ibeatdebt.com/making-money/) - Want to find out about making some extra money, this is the section for you! I’ve probably learnt more about making money and side hustles since clearing my debts. Going through debt management got me on top of my money, but I really don’t want to have to go through that again. That’s why I’m - [Welcome to ibeatdebt.com](https://ibeatdebt.com/insta/) - Hey! Thanks for the visit! If you are here, you have left Instagram because something I said grabbed your attention! I’m honoured and delighted that you are here! Let’s get you where you want to go though! I want to know about Too Good To Go Boxes! I want to know about going on a - [Saving Money](https://ibeatdebt.com/saving-money/) - Want to know about saving money & frugal living, this is the section for you! Saving Money is about so much more than making sure there’s some money left in your bank account at the end of the month. From ways of saving money by living frugally through to automated apps that save for you, - [Debt](https://ibeatdebt.com/debt/) - Want to find out about my experience of debt, this is the section for you! I’m not a trained financial or debt adviser, and my experience of debt is limited to my experience of debt and the debt management process and debt clearing that I went through. Saying that, I think there is something valuable - [Keep in touch?](https://ibeatdebt.com/want-to-keep-in-touch/) - Email me at vicky@ibeatdebt.com or signup for my newsletter! [mailerlite_form form_id=1] - [Privacy Tools](https://ibeatdebt.com/privacy-tools/) - [Privacy Policy](https://ibeatdebt.com/privacy-policy/) - Privacy Policy We are committed to safeguarding your privacy. Contact us at if you have any questions or problems regarding the use of your Personal Data and we will gladly assist you. By using this site or/and our services, you consent to the Processing of your Personal Data as described in this Privacy Policy. Table of - [Other money bloggers](https://ibeatdebt.com/other-money-bloggers/) - Here are the details of some of my other favourite money bloggers. Whatever your financial situation, you should definitely check them out! Savvy in Somerset by Fiona Hawkes Family Budgeting by Cass Bailey Emma Drew by Emma Drew From Pennies to Pounds by Francesca Mason Debt Camel by Sara Williams Ruth Makes Money by Ruth Hinds - [Disclosure](https://ibeatdebt.com/disclosure/) - There are some affiliate links on this website, which means that if you click through and make a purchase or register, I might get a commission. This is at no extra cost to yourself. I can also confirm however that these are all products I highly recommend. 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