So if you are feeling good about how you spend less than you used to, have had great fun on a shoestring or have some clever tips for living on less - well we would like you to tell us about it. And we hope that you will enjoy sharing your tips because it's a little bit of giving that's completely credit free!
Your tips can be simple, clever, funny or just plain weird - whatever - we still want to know about them. Take Mavis's jackets - simple yet somehow so delightful - or practical information like London and back for £2.75.
Tell us of your successes buying from charity shops or using freecycle, to help inspire others. Perhaps you have a favourite meal that is frugal and delicious - it might be part of our Family Meals for Much Less than a Fiver series (yes I know the title alone is a mouthful!)
If you work in an organisation that helps people to live more cheaply like Ecomodo, we would love to know about it - and indeed if you have used such a service send in a review. Or you may be part of a group trying to live more sustainably.
We would also appreciate stories about experience of being in debt. Leaning about how others coped can be very supportive and encouraging as many people who are in debt, struggle alone.
In a nutshell its all about sharing. You are invited to write a whole blog and may be become a regular contributer or send in your ideas and tips for us to write up. Your work and tips will be attributed to you on the blog, unless you wish to remain anonymous.
And we all end up with a warm, tingly feelgood factor.
What next? Email your ideas, queries or complete blog to email@example.com.
For writing guidelines click on the PDF below
Want a say in how we do things?
For £1 a year, Zero-credit membership
is open to anyone, aged 16 or over
with personal experience of debt.
Alternatively, if you're a business, why
not subscribe to our Information Service?