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Who wants to get sensible debt advice when there are idle ways making money? Life’s too short for working the nine to five. So here are some creatively lazy ways of earning money if you are feeling particularly desperate for some cash for nothing. Make Money the Lazy Way Pay off a Loan the Easy Way  Making money whilst in the sleeping state is the ideal way of obtaining cash. Save the waking hours for watching TV, munching pizza and other slothful activities, and let the money pour in whilst in the dream state in the following ways. Volunteer to take part in a sleep clinic study, the condition being to research only into the alpha state. Play an extra on Casualty or other medical soap as a sleeping patient or one who has popped his clogs on a gurney. If a sleeping patient part is not forthcoming, offer to play a prone tramp, drunk or window shop dummy. Become a life model. The condition being that you can bring a duvet and pillow to the art studio. Get paid to tri...

Why panic when burly bailiffs come to the door when armed with some good advice? Indeed, when it comes to debt problems, knowledge is power. Here are some hot tips on how to get out of paying debt when the creditors pay you a visit. How to Deal with Bailiffs at the Door Make Friends with your Credit Card  If the credit agency pays a visit to lay the heavy treatment, try the following: Flirt with them. Fake an epileptic fit. Offer them a cup of tea. Plead insanity. Or say it wasn’t you. It was Colin, the credit card. He kept telling you to spend. Speeennnd!” What else were you supposed to do but do what the voices told you? How to Get out of Paying Debt the Silly Way Before the debtors pay a visit, get a change of name deed signed and witnessed. If the bailiffs say, “Mr Bloggs, we have come to serve notice on your property.” You can say, “I’m sorry, there is no Mr Bloggs living here but I am Mr Blarggs. Perhaps I may be able to help. Would you like a cup of tea?” You co...

How to Deal with Bank Letters In the face of climate change, the debtor may experience a fit of conscience before disposing of numerous default letters printed on lovely crisp paper. It is a shame that a notice of debt should be the fate of some poor tree. Well, here are alternative suggestions to give those final demands a new lease of life. Save Money Using Creditor’s Letters  Why not use the creditor’s letters to save money? This might help reverse the association of “debt” with “final demand”. Here are some creative ideas on turning debt on its head for good use in the home. Shred up the final demands and use them for a compost heap. Combined with teabags, vegetable peelings and old leaves, shredded up bank letters help to oxygenate the mixture and contribute to a better harvest next year. Furthermore, the quality of the paper banks use is good. Of course, you could use the bank summons as toilet paper, an old idea, but still useful. Use the shredded up bank stat...