Follow the tips bellow and start saving now, £5000.00 in your pocket next year, if you have any more great money saving tips let us know.

Credit Crunch Lunch

In the ever busy world we now live and work it is too easy to lose track of just what you are spending each day on your working lunch, the average office worker spends £1300.00 a year on takeaway sandwiches. If you take your own made lunch you can save a massive £1000.00 a year. That’s a Holiday!

Save £1000.00

Cut your home phone bills

BT may seem to behave like a monopoly but it most definitely is not one. If you must use your phone there are scores of cheaper alternatives from cable companies that package your telephone, television and even broadband internet access to low-cost dial-up services that give you access to cheaper calls using your existing BT line.

Save £100 a year

Ask yourself: do I really need this?

Imagine the scenario. It's lunchtime and you've got an hour to kill. You find yourself in a department store and there's a sale on. You pick up a beautifully packaged selection of barbecue tools and associated garden paraphernalia. And it's half price. Now, stop! Ask yourself: Do I really need this? Exactly. Now, put it down and walk away.

Save at least £300.00 a year

Pack up smoking

Never mind the health implications, the guilt and the smell, your 20-a-day habit is costing you nearly £2,000 a year. Pack it in

Save £1800.00 a year and your life

How saving £50 a month now can save you £120 next year

Do you pay your insurance premiums by monthly instalments? If you do, then consider this: you are probably being charged a premium of between 15% and 20% for the privilege. In other words, if your home and car insurance bill for the year is £600, you're paying up to £120 a year in interest by paying monthly. If you are in a position this year to save up for next year's premiums in advance, you can save money by paying the whole lot in one go.

Save £120.00

Shop online

The internet is gradually taking over. Online grocery shopping is getting better all the time and there are plenty of comparison websites to help find the best prices for bigger items. Give it a try, unless of course you like fighting your way through supermarket crowds.

Save £200.00

Turn that down

Did you know that by turning your thermostat down by one degree you can save 10% of your energy bill, that could be as much as £200.00 a year!

Save £200.00 a year

Switch your energy supplier.

By using a website such as uswitch.com you can find the best deal for your home based on how much you spend etc. Paying your bill by direct debit can often reduce your bill too. In many cases you can save as much as £150.00 per year on your household heating bill Even if you are on prepay you have the option to switch supplier.

Save £150.00

Make a shopping list

Food shopping forms a significant part of our monthly outgoings and the supermarket is where the bulk of the money is spent. Tesco takes £1 in every £8 spent by UK shoppers. But be warned, stores spend a small fortune studying ways of making us part with more of our money than we would otherwise intend to. Have you ever wondered why your favourite song is playing in the background as you navigate the aisles? Have you even noticed the background music? Possibly not, but you will have noticed at the checkout that the bill is often more than expected. To circumvent this, simply make a shopping list.

Save £520.00 a year

Shop around for the cheapest household insurance

Unless you drive – car insurance is mandatory - you don't need insurance. But it's strongly advisable. Can you afford to foot the bill if your house burns down? Probably not. Similarly, can you afford to pay over the odds for the same policy available elsewhere because you can't be bothered to shop around? Possibly, but it's not advisable. The internet has made finding cheaper insurance easy and you can compare hundreds of policies in minutes.

Save £100.00

Use your Isa allowances

If you're not already aware, you can save up to £3,000 a year in a tax-free savings account called an Isa (for the more financially savvy there's also a stocks and shares Isa). It means you don't pay any tax on the interest accrued so, if you have spare cash in your current account, this is the difference between earning next to no interest and up to £150 a year