Financial solutions company Think Money has released a new guide for people who want to make more of their money in 2012.

With 2011 a difficult year for many people in terms of finances, many people’s New Year’s resolutions will be focused on getting their financial affairs in order. Think Money offers a range of tips for doing this, but the main message seems to be: budget carefully – and stay on top of your debts.

The guide advises people to start by reviewing their finances – make sure they’re earning more than their spending (and if they’re not, cut back – or if that’s not possible, get expert help). Then it asks people to consider ways of improving their available income: by earning more where possible, or by spending less.

Of course, for people with multiple debts, this can be easier said than done. The guide suggests that some people with a number of debts could make their finances easier to manage by paying them off with a debt consolidation loan – which could also help them to reduce their monthly payments (although the overall interest paid could increase). However, borrowing more money isn’t suitable for people with financial problems.

Have you ever wondered what kind of people take advantage of asset financing? The list is endless, but here are some of the most common users of asset financing…

Businesses With Cash Flow Problems
Sometimes, businesses just fall on hard times. It happens to everyone. But, if they need some money to invest in new equipment or a new facility, asset financing is a great place for them to get it. If they have exhausted all other options for financing, asset financing is a great solution to their problem.

Businesses That Are Just Starting Up
Businesses need a lot of money during their start up phase. Many times, they agree to get paid for their goods using net 30 or net 60 terms. This is great for getting business, but when you are not immediately being paid for your products or services, it can be difficult to get buy. By using asset financing against these accounts receivable, they will have an easier time.

Businesses Who Need To Output A lot Of Money
Some businesses need to output a lot more money than others. For example, importers and trading companies need a lot of outgoing capital, and the traditional financial instruments they use may not always be available. If that is the case, they can always leverage their accounts receivable or some of their real estate to get the money they need to continue.

There are many different people who should take advantage of asset financing. Are you one of them?