Are you struggling to pay your bills, or can't seem to save any money? Wouldn't you like to be able to live your life without having to think about your unpaid bills, whether you have enough food in the fridge to eat, your credit card being declined when you make a purchase, or whether you can go out on a Friday night with your friends and not worry about how much money you have on you to pay for your dinner and drinks?

More importantly, wouldn't you want to know that you can pay your rent or mortgage every month without the stress of money worries, and being able to save money 'every time' you get paid?

I have put together the following tips on how to cut down on unnecessary expenses, by asking you several questions:

1. How many cars do you have? Do you really need more than one car?
2. Do you really have to go out and party with your friends on Friday, and Saturday night?
3. Do you really need to get your hair done every week?
4. Do you really need to get your nails done every week?
5. After seeing that blouse in the store window, did you really need to buy another one?
6. You just bought a pair of shoes last week; did you really need to buy another pair?
7. How many credit cards do you have? Do you really need more than one?
8. You've been putting three teaspoons of sugar in your coffee for as long as you can remember; do you really need three teaspoons?
9. You went grocery shopping on Tuesday; did you really have to go grocery shopping again on Thursday?
10. You have more than one mobile phone; do you really need all of them?
11. You are late again to pick up your child from the nursery - incurring late fees again; do you have to be late most of the times?
12. You told your child you cannot afford to get them another toy; did you really have to take him or her to the toy store while you were at the mall today?
13. Do you really need to have those clothes dry cleaned?
14. Do you really need to have your car washed every week?

These questions might seem irritating to you, but clearly the list can go on and on. It is only up to you what you do with the answers that will make your situation less irritating. The answers to most things we need to change are right in front of us but somehow we don't see them, or we ignore them. We all live beyond our means from time to time, but when your weekly, monthly and/or yearly expenses far outweigh your income then you should take a look at what it is you 'really need' versus what it is 'you want'.

Mortgage Protection is Becoming Essential For Homeowners

The risk of debts, unemployment, repossession and sickness is compelling many homebuyers to seek private insurance which will increase monthly repayments by 10-12 pounds per month per 100,000 pounds of mortgage. This would cover the homebuyer for the monthly interest payment on the mortgage if they were ill or lost their job and were unable to work with no income.

Personal debt has now topped a trillion pounds and the Government is pushing these new initiatives. Homeowners are under pressure and bankruptcy is on the increase as are missed repayments and, in turn, repossessions are rising. It is no sweetener to hear that the taxpayer has paid out 8 billion pounds in benefits in the last 10 years in mortgage interest payments for the unemployed, a cost which the Treasury wish to off-load, back to the public and mortgage lenders.

Enforcing compulsory Mortgage Payment Protection Insurance (MPPI) would be unpopular as it increases costs when buying a house, but the experts say that the Government should impose that cost onto the lenders to come out of profits. It is well-known that building societies and banks make huge profits on selling MPPI and premiums are currently around 800 million to 1 billion yearly with only just under a quarter of buyers having it. The profit on this is 250 to 500 million pounds so you can understand the Government thinking.

The Government is very aware that this leaves three quarters of homeowners without any protection if they have a downturn in fortune. The benefits system offers support through Income Support for Mortgage Interest (ISMI) but this has its' limitations on claimants.

The Council of Mortgage Lenders (CML), the voice for banks and building societies, advised first-time buyers this week, to take out insurance to protect their homes. But, they are strongly against making MPPI becoming compulsory especially if they are told to pay for it.

Their reaction is one of astonishment and they believe that if the industry has to absorb this cost mortgages will go up as the cost of the insurance will have to come from somewhere. Even if it is not seen as a separate premium, it will be built in. They say they have seen margins being squeezed for some time now making it impossible for firms to absorb this cost too.

The CML are of the opinion that people should make their own choices and arrangements regarding this insurance and it may not be appropriate for everyone. Some people may have more than adequate protection from other insurance, through their employers or substantial savings and it is unreasonable to enforce someone to over-cover themselves.

Iain MacQueen-Sims, credit and debt expert of Omnichek, dismissed the CML's remonstrations. He believes making MPPI compulsory would create a safety net and it should not cost the home-buyers a penny more. The lenders can easily fund it without putting up prices and show some loyalty to a market that they do very well out of and try to help prevent the loss of peoples' homes. A draft of the European Directive on the mortgage market is in favour of compulsory MPPI in all member states as standard. And a spokesman for the Department of Work and Pensions said that anyone taking out a mortgage should think hard about protecting their income.

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