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Financial guide to Beat the downturn

 

Steering a steady course in these stormy times

Find out more about the Financial Mail and Lloyds TSB guide Beat the downturn.

Downturn or depression. Slump or slowdown. Whatever you call it, our world has changed dramatically over the past 12 months.

This guide, produced by The Mail on Sunday in association with Lloyds TSB, is designed to help you come through the downturn with your finances in the best possible shape.

It is easy to feel powerless in the face of current economic turbulence. But even in a downturn there are strategies for success: ways that you can help yourself to prosper through difficult times.

Written by Stephen Womack, one of Financial Mail's leading personal finance correspondents, there is a fact-packed section of tips to help you stretch your spending further and to increase your income. Take control of your spending, with our detailed guide to budgeting.

Downsize your debts and get on top of problem payments. Become a savvy saver, learn how you can turn your home and your skills into an extra income, look out for essential checklists on saving, budgeting and managing debt.

For some, a downturn may even open new doors: a redundancy can become the springboard to a new career, while those who are looking to extend or improve their home may find this is the time to bag a bargain.

- Click here to download the guide

There are uncharted waters ahead. But use this guide to help face the financial realities of life in a downturn and you will in better shape to win on through.

For more guidance, visit lloydstsb.com/savvyguidance

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Inside the guide

• Crunch Tips: 30 cracking ideas to stretch your income, slim your spending and budget wisely in a downturn. • Your financial priorities change with age: How financial challenges and opportunities evolve through different phases of our life • Managing Your Money: Taking control of your budget and knowing where your money goes is an essential first step to success. • Dump the expensive habit: Quitting smoking can save you more than your health • Ditching Your Debts: Get on top of problem debts and free up extra income with this step-by-step strategy. • Debt planning essentials • Staying in control • Dealing with problem debts • Boosting Your Income: How to earn a little extra from your talents and maybe even your home. • Making money from your home • Managing Your Mortgage: Take advantage of lower interest rates to trim your mortgage down to size. • Savvy Savings: Increase your financial safety net and get your savings working hard for you • Savings essentials • Strolling to tax-free savings • Seeking out a decent income • Doors Opening in a Downturn: Can you take advantage of bargain deals to gain from the downturn? • Rebuilding after redundancy • Homing in on a good deal • Competition: 1,000 children's books to give away. Enter the giveaway to win a copy of A Crocodile for Billy, produced with Ladybird Books. •The Crunch: Your questions answered

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