Image by Brett Jordan via Flickr

It is nearly the end of the year again when we make our New Year's resolutions for the following year. Looking at cleaning up your finances is a worthy New Year's resolution that will pay off in the long run with a well-formulated plan.

Wouldn't it be great to end 2012 debt and be worry free? To be able to have a restful night's sleep without fearing debt collectors and post threatening legal action and bailiffs would be wonderful.

There are lots of money saving ideas and ways to help reduce debt and support you on your way to a debt free life.