Save Money MAKE MONEY

Top Tips For This Winter

01 Start a spending diary Literally keep a note of everything you spend - cash, card, online - jot it down on your phone or in a note book and you’ll identify patterns of wasteful spending

02 Set Up DD & SO’sIf you’re not already - set up Direct Debits for your bills and Standing Orders for your savings. You’ll get a discount on your bills, won’t get late payments and it’ll soon be habit forming

03 Recycle Old GadgetsGet onto sites like Environphone and sell your old mobile for cash - quick and easy. Compare sites for the best price. They are also sites like WeeeeBuy which buy all kind of gadgets

04 Get Your Hair Cut at CollegeGetting your hair cut by student hairdressers is so much cheaper than your regular salon, and just as good

05 Get Paid to Shop Signing up to be a Mystery Shopper means you get paid to shop and eat out for free. It’s flexible and can be done outside work hours

06 Get 0% InterestIf your going to be putting the Christmas shopping on the Credit Card make sure it’s on a 0% interest one. There’s plenty out there with 0% for long periods...

07 Sell Your SpaceGot a spare room, a lot of garden or an empty drive way? Rent it out to a lodger, as an allotment space or to commuters

08 Dump SkyDo you actually watch all 6,000 channels? If not then it might be worth switching to Freeview or down

09 Stop Wasting EnergyPlug up the draughts, turn the thermostat down, stick a jumper on, put tin foil on the back of your radistors, switch to energy efficent bulbs...just stop wasting energy and money

10 De-Clutter & SellSell your unwanted junk - sell it on eBay, Gumtree, at car boot sales. It’s easier than you think

11 Write a BudgetOutgoings vs Income - find out exactly how much money you have, what it’s spent on and where you can save

12 What are you Entitled Too?Are you entitled to any benefits, free schemes or grants. Take a look and get what your perfectly entitled too

13 Have a Zero Spend DayIt can be done - spend absolutely nothing for one day a week!

14 Pack Your LunchHealthier & cheaper - stop buying crappy sandwiches from Greggs!

15 Stop Being LazyThe big companies make it too easy for us to just sit back and be fleeced...stop being lazy and do some research - switch utility suppliers, find a better saving account, haggle on your insurance renewal. You have the Power!

16 Look for Lost Assetswww.mylostaccount.org.uk Look for lost or forgotten assets in old bank accounts for some quick cash

17 Are you Tax Efficient?Could you save money on your Tax Return? Are you on the wrong tax code or could you claim tax deductible expenses...do some research and save on tax

18 Buy Cheap Gift VouchersWith Christmas coming up get onto giftcardconverter.co.uk to buy cheap gift vouchers

19 Start Shopping SmartStop wasting cash at the supermarket - check the cupboards, make a list, stick to it, use left overs and give the value range a try...

20 Treat Yourself!Being poor and saving money sucks! What sucks even more is if you deprive yourself of all fun and a few treats. If you stick to a budget, shop smart and cut the costs elsewhere there’s no reason why you can’t indulge every now and then