When going out shopping, make a list and stick to it, buying only thr things you need. Also think about opting for the cheaper versions of items, which are often very similar to their more expensive counterparts.

Plan for future events, expected or otherwise, by opening a saving account. Divert a small amount every month into the account and you'll be surprised by how quickly the contents seem to rise.

This isn't something that everyone may be able to do, but reconsidering how you travel to places may be worth it. Think about walking or riding a bike to work if viable. If travelling by train, consider getting off a stop or two earlier, saving the money on the distance you walk.

A fair few of us can admit that there is stuff lying around the house that we're just never going to use. Consider, then, raising a few pounds by posting it on Ebay and selling it on.

This one is about speculating to accumlating, but putting money into a tracker bond can act the same as keeping the money in a savings account (and one you can't access, meaning you can't fritter the money away) and might end in profit.

Don't immediately opt for something just because you've heard of their name or think they're the only supplier. Shop around -- the internet makes this very easy to these days -- and look for the cheapest supplier, be it for mobiles, home phones, gas, electric, internet, etc.

This isn't to stop you excerising, but to save on money. Much of the exercise can be done in the comfort of your own home. It may take a bit more dedication to keep it up while surrounded by home comforts, but it will save money on those monthly gym costs.

If you are out all day at work, think about keeping the curtains and blinds closed. It will shut in the warmth, meaning less time and power -- and ultimately money -- wasted on heating.

If you have the space and a bit of a green thumb, consider growing some of your own food. Things like potatoes and tomatoes, which are often staple bases of dishes, can be home grown, saving you the cost of buying them all the time.

We've all been a victim of this at some point, but impulse buying, even if only small things, can put a dent in finances after a while. If you feel the temptation, wait. Give it a couple of weeks and see if you still desparately want it then. Chances are you're feelings would have changed.