Some debt consolidation tips include taking out a loan. This way
you will only have to one payment.
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There are many tips that one could give in order to lower one's
mortgage payment. The best way that one could lower one's mortgage
payment could be to refinance the mortgage.
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There are a number of tips for debt solutions in the UK. One of
the biggest tips and top of the list is to accurately assess the
amount of debt one owes, and work out a payment plan that works for
both the institution holding the debt and the debtor.
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Usually one doesn't have to tip.
Tips are 5-10% in restaurants but mostly it's up to a customer.
Tips are just a bonus for waiters (most of their payment is fixed
by the owner).
Taxi drivers, pizza deliverers, postmen etc.: they get tips even
rarer.