Pay off credit cards
Debt costs you money, so if you have much credit card debt, it is worth a real concerted effort to pay it off sooner rather than later.

Get a water meter
If you live in a big house with few occupants, a metered water bill can turn out much cheaper than a standard rated bill.

Phone bills
We all know that phone calls cost money. If you have free minutes on your cell contract then it really doesn’t make sense to use your home phone at all.

Organise your shopping
Impulse buys are more expensive and less useful. Figure out what groceries you need, write a list and stick to it.

Buy cheaper veg
Supermarkets are surprisingly expensive. If you take the time to go to your local green grocers you can get better produce cheaper.

De-clutter
Get rid of stuff you don’t need any more. If you can sell your clutter and use the proceeds to pay off some debt you are saving money.

Shop around for insurance
This should really go without saying, but never just re-new your insurance. Shop around and you might be surprised at what you can save.

Will power
Before you buy anything, ask yourself “do I really need this… If you don’t, don’t buy it, simple.

Get a more efficient car
If you do a lot of driving, switching to a more economical car can save you an enourmous amount of money over the course of a year.

Walk more
Stop driving short distances, it costs you more petrol. Start walking more, save money and get fitter at the same time.

Drink less
If you are a regular drinker, try drinking less often, the amount you can save is surprising. You will also be healthier for it.

Shop around for freebies
Sites such as free stuff offer great promotions and free giveaways that can save you money. Sign up for regular offers and save.

Stop smoking
Smoking is incredibly expensive, and very unhealthy. If you quick smoking you can save thousands over the next few years.

Buy christmas presents early
Christmas gifts get very cheap in january. Stock up throughout the year and you’ll save a pretty penny come christmas.

Pay insurance in one go
You are effectively paying interest to borrow your insurance premiums when you pay monthly. Pay all in one go if you can and you’ll save a decent chunk of cash.

Lose the tv!
This one will make a few people gasp, but in all seriousness, between TV liscenses, cable bills and the actual cost of the TV, just think what you could save if you made do without.