11. Wrap presents in brown paper.
Top money saving idea - looks quite trendy now and is much cheaper than expensive wrapping paper.
12. Make your own salad.
Prepacked salad is much more expensive than the sum of the contents!
13.Make your own sandwiches for work / school.
It's easy to spend £5 a day on sandwiches, snacks and drinks, which comes to £1,200 a year, assuming 240 working days. It's easy to make a tasty lunch for a pound a day.
Annual saving: £960 a year = a top money saving idea
14. Get recipes off the internet rather than buying premade meals.
See www.frugal.org.uk/recipes.html
More money saving ideas ...
15. When you are buying anything always look for cheaper options on the internet.
Try www.ukshopsnet.co.uk
16. Ditch the overdraft.
If you have an overdraft that charges a monthly usage fee and interest it will be costing you alot for a very small benefit. You always have to repay it anyway!
Find a better bank account: Bank Account - click here
Selection of current accounts to browse:
17. Sell all the stuff you no longer need at a car boot sale (and make the house tidy!).
18. Do you need a mobile and a home phone?
Also ring your mobile company to ensure you're on the best package for your usage. Send a text rather than call. Also ensure you utilise any free minutes or texts you have.
Can sometimes work out cheaper using your mobile rather than your home phone if you have unused free calls. Also utilise off peak discounts.
Check out a better mobile deal with: www.mycoolphone.co.uk
19. Read a newspaper for free - a great money saving idea
Most newspapers are available online, so why not read them for nothing? Alternatively, keep up to date with BBC News Online or Sky News. Take a book if you need something to read while commuting. As a special treat, you could treat yourself to your favourite Sunday newspaper as a reward for being frugal! Annual saving: £100-£250
20. Don't ring 118 numbers to get a phone number.
Use the internet i.e. www.ukphonebook.com
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