Would you like to save money and pay off those ghastly credit card bills in less than a year?

We’ve put together some quick and simple money saving tips in a neat little slide show. These are more or less common sense. But we all have one of this ‘A-Ha’ moments of realisation sometimes! Don’t want to watch, then read on below…

Below are some ways you could save on your regular spending:-

Cut your energy bills by researching cheaper options on comparison websites.

Find a cheaper alternative for cutting your home phone bills, look at package deals.

If you use your mobile for merely making calls and sending the odd text message then a pay as you go mobile may be your best choice.
When buying a house always make sure that you get the best available loan to finance it. You can choose from thousands of deals and save a lot of money, however, check the small print for hidden catches.

When you go grocery shopping check the cupboards, make a weekly menu and take a shopping and only buy what is on the list, this will also help you stop duplicating items.

If you buy something you are not happy with then complain, don’t waste your hard earned cash.

Literally watch every single penny, for one month record your complete spend, you will be surprised and learn a lot.

Got an attic full of clutter, get it sorted and sell it online, at a car boot or ftable top sale, you will be amazed at what it all adds up to.

Take a simple DIY course to enhance your skills and then you’ll be able to tackle most jobs around the house.

Travelling by plane or train? Get organized and book early and save money. Also check to see if two singles are cheaper, or if it’s cheaper to book separate legs of your journey separately

Ask yourself do you really need this. How many times do you wander into a shop and pick up something your really do not need. Use some willpower and say no to impulse buying.

Use an ISA for extra cash. You don’t pay tax on the interest accrued and can save up to £3000 per year.

Ensure you are not paying for an insurance you don’t need like Payment Protection Insurance (PPI), this may have been mis-sold to you when taking out a loan. Check your statements and claim back what is entitled to you, you can do this by using a reputable claims company like Brunel Franklin or go direct to your bank.

Your local library is not only saving you money on your books but CDs and DVDs too.

Paying a gym membership but not going? If you are not going at least twice a week then its worth cancelling it. Run to and from work and use the stairs and not the lift, there are many free ways to keep in shape.

Give up smoking, the average 20 a day smoker spends £2000 a year!

Limit your weekly drink intake, not only is it healthier by cheaper too.

If you have a local market make us of it, lower overhead equal lower priced items.

Have you thought about letting out a room in your home to a boarder or lodger. If you own the property and pay income tax, you could get up to £4,250 tax-free. However, be aware this may affect any benefit entitlement, so be sure to check first.

If you live in an area where parking is a problem, you may be able to rent out your garage or parking space. Remember, you may have to pay tax on any income you get from this, and it may effect on any benefits you are claiming.

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