You'll get more out of your savings if you put them to work earning interest. Whether you're saving for something special or saving for a rainy day, open a savings account today and before you know it you'll be sitting on a tidy sum. >Open savings account
Start reading your news on the internet: all the dailies have up-to-date sites with loads of content. If you're a regular magazine buyer see if you can save with a discounted subscription deal. Arrange a magazine swap with friends. Or see what publications your library stocks.
Shop around on the internet for the cheapest prices. Check out your local library - most have a selection of movies and music, or browse charity shops for bargains. Make a running list of the DVDs and CDs you’d like: friends and family will probably be grateful for gift ideas.
Look out for sample sales; sign up online to your favourite labels for advance notice. Work the sales; there are always good buys to be had if you’re up for it. Bid for clothes online or go charity shopping. And think beyond the season you’re in – that way you’re even more likely to pick up a great deal.
Buy your tickets direct from the venue and you could reduce the booking fee. Earlier showings and matinees are often cheaper, and you could save money if you buy your tickets on the day. Check out the deals at discount ticket booths and last-minute websites
Look out for giveaways and take advantage of Buy One Get One Free offers on products you use regularly. Once in a while, have your make up done in a department store – you’re not obligated to buy anything. Ask for testers of products you’re interested in, that way you only buy what you want.
Make your lunch at home one or two days a week. You’ll eat healthily and save more than just pennies. Buy a bag of fruit at the start of the week to get you through the nibbles
Does most of your takeaway end up in the bin? Think about ordering smaller portions, cutting out extras or sharing things like rice or chips. Cut out the delivery charge: pick up the takeaway yourself. And try resisting the urge by making a tasty meal instead
Get a jug of tap water rather than a bottle of mineral water. It’s cheaper to savour a half bottle of wine than to keep ordering single glasses. Check whether you’re paying for bread before you dive in and always double-check your bill for accuracy
Buy just one less cappuccino a day and watch the savings add up. Make your coffee at home and take it to work in a flask: just as tasty and much cheaper.
Give it up; it’s bad for your health and bad for your pocket. If you can’t, then try cutting back. Just two less a day will make the pack last longer.
Make an agreement with friends and colleagues to stop buying rounds. That way you can pace your intake, and your outgoings. And try alternating your tipple with a glass of water to make your money go further.
Try turning up earlier – entry to many clubs is cheaper or even free before a certain time. Look out for promotional nights where drinks or entry costs are discounted. If you’re flexible, consider going out during the week; it’s often less expensive than at the weekend.
From travel guides to the latest bestseller, your library’s likely to have what you’re after. For new books, shop around online for the best price. If you’re a big reader stock up in your local charity shops. Or try setting up a book swap with friends.
Treats are quite personal, so have a think about ways to reward yourself that don’t involve spending money. It may be more about creating a bit of your own private time, or bundling your treats together rather than always following your impulses
Proud sponsors of the Barclays Premier League 