21. Give up smoking
A pack of twenty cigarettes costs around £4.80 these days, so a 20-a-day habit costs roughly £1,752 a year. Visit No-Smoking Day for help and advice on ditching the dreaded weed.
If you can kick the habit this represents an easy way to save money Annual saving: £1,752 for a 20-a-day habit
22. Fuel is the second biggest cost.
Thanks to recent price rises it is estimated to set the average motorist back £1,031 a year. Buying a more fuel-efficient car will go a long way towards slashing your cost of motoring. Using cashback credit cards and supermarket loyalty cards can help too.
23. Round up all those little pots of money.
Collect all that money that you have lying around the house, plus the money gathering dust in ancient savings accounts, moneyboxes or whisky bottles, and stick it in your shiny new account. This is an easy way to save money!
For a shiny new savings account see:
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See selection of High Interest Savings accounts below to browse through:
Best way to save money is reading this article!
24. Take in a lodger
The government allows you to rent out a room in your home and earn up to £4,250 a year without paying tax. To find out how to earn over £80 a week, read on.
25. Subscribe to your favourite magazines
Sign up for annual subscriptions, this is on of the best ways to save money - get magazines delivered to your door at 25% to 75% off high-street prices. Try The Magazine Group or WHSmith.
26. Don't buy extended warranties
Extended warranties on electrical goods are often a complete waste of money. That's because they are usually hugely over-priced - yet modern appliances are becoming ever more reliable. You're better off self-insuring (creating a savings pot for emergencies and repairs) and saving yourself some money.
27. Why not ask for a discount?
You'll be surprised how many people will give you one. Especially if you're buying a number of items from the same place.
28. Find out what offers the supermarkets have before going shopping
Study www.fixtureferrets.co.uk to find out weekly what your local supermarket are promoting and discounting - this is a sure fire way to save money.
29. Do not use credit cards unnecessarily
Always pay off more than is asked by the credit card company. See this eye-opening example:
It'll take you 236 months (that's over 19 years) to pay back £1,000 if you only pay the required minimun of 2%. Over that period of time, you'll pay an additional £1,121.73 in interest.
If you could afford to pay an extra £10 a month towards your credit card debt, it would mean you'd repay it in 68 months (just over 5 years) and you'd save yourself £762.56 in interest. In fact, if you could aford an extra £25 a month, you'd repay it in 34 months (just over 2 years), and save £943.14.
30. Change to energy saving bulbs.
Light bulb manufacturer Osram, says: "With the latest technology energy saving light bulbs, you get virtually the same light output as from an ordinary light bulb, for just 20% of the electricity consumption. What's more, they last up to 15 times longer." By buying an energy efficient light bulb rather than the other alternatives you can cut energy wastage by over 75 per cent. That's around £7 a year on the average energy bill or £65 over the bulb's lifetime.
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