Hi ,

Now that January is in full swing it's time to get on top of your finances. Thankfully, food and petrol prices are down (and should be down for a few months at least) but rail tickets and other essentials are up, so we can't be complacent.

If you're still struggling after December then sign-up to our free debt busting action plan. You should also check out our free tools to help you take control of your finances should you need to contact a creditor.

Find out how to make a million by thinking it - I know it sounds like nonsense but how you think really does affect your wealth!

And if you're over 50 and considering setting up a business then go for it, because the odds are in your favour. Find out why over-50s are the best at setting up a business.

We've got some great exclusive offers for you this week too including the chance to try out your local gym for free and a Bluetooth selfie stick for just £12.98. Plus this week you can win a KitchenAid Artisan Stand Mixer.

Check your inbox next week for more great money makers, money savers and subscriber-only offers.

Which friend would benefit from this newsletter the most? Please share the love and forward it on to them.

Love,

​Jasmine

PS. Today has been dubbed 'Balance Transfer Tuesday' as Brits who spent too much on Black Friday and over Christmas look to get a better credit card deal....and there are some amazing ones around right now.

If you're looking to switch your credit card then use our credit card comparison tool to find the best deal for you.

Being in debt is scary, particularly when you feel like it's spiralling out of control.

That's why you should subscribe to our FREE debt busting action plan emails. 

Each week, you receive action steps to take that give you control of your finances. You're six weeks away from the peace of mind you deserve.

Have you heard of collective switching?

It's when you join other customers to get the best deal from an energy supplier. It only takes five minutes to register for free and there is no obligation to accept the final offer.

We've teamed up with the UK's leading collective switching expert, iChoosr, so together we can save on our energy deals.

In the last scheme we partnered with iChoosr on the average saving was £221 per household - what would you do with that extra cash?

There is a lot of entrepreneurship in Sheffield, leading to job creation and inward migration. A new business bank, which has been backed by the European Commission, will create 100 new jobs. Marks & Spencer has taken warehouse space totalling 647,000 sq ft which will create 300 jobs.  Ark Home Healthcare has chosen Sheffield to be the home of its new headquarters in a £10.4m investment that will create 100 jobs. All these facts are positive fundamentals for the demand for property in Sheffield.
 
There is already a surplus demand for housing required by the 55,000 students attending Sheffield University. The university is a highly regarded Russell Group University… only one of 24 research institutions to achieve this status. The prestigious ranking draws overseas students in increasing numbers.
 
Rents in excess of £150 per week are being achieved on studios. Landlords can grasp a hold of a new build development, within the City Centre, that appeal to both students and professionals for £69,995. The studios will be fully managed by a specialist student lettings company. The appeal of this hassle free investment is the 9.2% Net Income, guaranteed for a period of 3 years.  #Free investment guide

Why put effort into studying and working hard when you could just marry a footballer?

That's the message from Baroness Deech who says that divorce laws are unfair and that prenuptial agreements should be legally binding.

Jasmine goes one step further and argues that prenuptial agreements should be mandatory.

Take the hassle out of baking with the new KitchenAid Artisan stand mixer.

Whip up a cake mix without breaking a sweat, beat eggs until smooth with a click of a button, and make bread dough like Lorraine Pascale.

With a 4.8L polished stainless steel bowl, 10 different speeds and 3 different types of whisks you can make tasty treats easily and quickly.

Yeah, we know that's the kind of thing you'll find in dodgy emails from American 'Gurus' if you send them $99 and you're promised to make a million overnight.

However, as money is totally bound up with how you think, more so than many of us realise, the way you think does have an actual affect on how much wealth you have now and in the future.

If you're over-50 and considering setting up a business then go for it!

Over-50s make up 42% of self-employed people working in the UK and, what's more, they're good at it.

How do you handle repeat calls from creditors and stop them altogether? 

What's the best way of finding out the information creditors have about you?

How can you complete a court form?

When you're trying to get your finances back on track, the process can be stressful and confusing.

Luckily StepChange have provided a bumper list of useful template letters that should help you tell your creditors where you stand. 

More and more people are downloading music, movies and games than ever before - but is this really a good thing?

In some cases, particularly games, money making and money saving opportunities are lost!

Make money by watching TV or listening to the radio? Is it possible?

Well become a member of GFK Media Panel for free, share your thoughts on TV and radio, and you'll be entered into a prize draw where you can win up to £1,000!

Tempted to join a gym but not sure if it's for you?

Nuffield Health are offering you the change to get a FREE 1-day pass to your local gym so you can try it out.

Why spend hours every morning sorting out your hair when you can just secure one of these towels in place and let them do their magic?

You can currently get a pack of 4 super dry hair towels for just £7, which is a whopping 76% saving.

It seemed everybody got a selfie stick for Christmas but if you missed out then this is a great opportunity to get into the latest craze.

These coloured selfie sticks, with built in clickers, are currently £12.98, saving you £17!

This week Justin takes a look at setting up an investment structure rather than a currency punt.

This week Razwana gives you a no-brainer guide to finding a profitable business idea.