80% of the time home branded products have exactly the same ingredients as the premium brands. You are paying for the 'brand' rather than added quality. Actually, most home branded products are made in the same factories as the premium ones... It's silly really.

You've woken up, looked in your purse to see the damage from last night and you find a receipt. A receipt that says you've bought a bottle of champagne and paid for a £30 taxi ride when you live 2 minutes away from the club. Set yourself a limit and take cash, then all you can do when you run out is go home.

The cycle scheme is supported by a lot of economically minded companies. You can shave off the tax of a bike if you're using it to commute to and from work.

People always have meaningless clutter lying around their house, old mobile phones, VHS tapes and books can all be recycled for a cash return.

Everyone's done it, we've all gone to the supermarket with an empty belly and what happens? You spend £50 rather than £10. It is the golden rule of food shopping. If you do desperately need to go, take some snacks in your bag to munch on when you inevitably get those cravings!

Reduced sections are the best way to do your food shopping if you can. Fresh bread could be reduced from £1.50 to 20p at this time of night. There's always a good bargain so go mad!

I was always envious of those people who constantly had 'working lunches' and looked forward to the day I had an office job where I could do it. Fat chance, it's expensive! I've taken to bringing my leftovers from dinner for lunch (although the dog is not very happy about it), oh well.

You can find hundreds of discount vouchers off and online. A lot of major retailers have advantage cards where you earn points for every £ you spend. Some offer a platform such as Boots Treat Street, where you can shop on your favourite websites WHILST earning advantage points.

Why do we insist on spending £4 on rubbish coffee and a bit of milk? Invest in two things, a filter coffee machine (or an espresso machine if you're feeling oh la la) and a thermos. Hey presto, you've got coffee for a fraction of the price, and it's likely to be nicer too.

There's always free trails going on, to rent DVD's, gym trails and much more. So before spending money on memberships try it out for free, over, and over again!