Hello.

My name is John Reynolds.

I live in the beautiful city of Brighton, on the south coast of England.

I'm starting this blog because so many people are getting into financial difficulties these days.

I used to be in debt myself, because I was spending more money than I had - that's how you get into debt by the way. I got out of debt by doing the exact opposite - I started spending less money than I had, and I put the difference towards paying off my debt.

Since I finally paid off my debts, I've been debt-free. Along the way, I've learnt a lot of money-saving tips, and even today, I'm constantly finding ways to cut costs. Once that money-saving radar is switched on, it carries on finding stuff.

So in this blog, I'd like to share with you some of the things I have learnt over the years (and stuff that I am still finding as well).

I hope you will find it useful.