The financial restrictions that many experience at Christmas are now out of the way and so too is the long month of January. Therefore, now is the perfect time to start being a bit more prudent with your money. Below are the top 35 ways to save!

  1. Use comparison websites. Even for things like supermarkets.
  2. Switch energy suppliers. The process is simple but only 15% of households do it.
  3. Walk or cycle to work if possible instead of driving.
  4. Don’t buy bottled water. Use a water filter if necessary.
  5. Pay the children/Grandchildren to do jobs around the home.
  6. Use coupons for supermarkets. There have been remarkable stories of £100’s worth of savings.
  7. Rent out a room if you have one spare.
  8. Collect loose change and pennies and cash them every year.
  9. Say no to things you don’t need, even if they are on offer.
  10. Sleep on a decision of whether to buy or not.
  11. Take a pack lunch to work instead of eating out.
  12. Ask your HR department to divide your pay check into separate accounts. One for saving and the other for everyday spending.
  13. Use ATM’s weekly and set yourself a budget.
  14. Get your back/teeth or hair done by students, most are soon to be qualified and it’s only a fraction of the price.
  15. Give up expensive habits.
  16. Treat yourself, it’s good to save but once in a while it is also good to spend frivolously.
  17. Place tin foil behind your radiators to heat up a room quicker.
  18. Get cashback for shopping online at Quidco.com
  19. Switch to energy efficient light bulbs.
  20. Bring your own alcohol to restaurants that allow you to do so.
  21. Get a library card and save money on purchasing books.
  22. Leave your wallet/Purse at home when possible.
  23. Wait until the week before you get paid to decide if you can afford luxuries.
  24. When shopping, write a list and stick to it.
  25. Bring your own bags to the supermarket.
  26. Drink water, not juice or pop.
  27. Cook multiple meals at a time and then freeze them for a later date.
  28. Renegotiate a better deal on your mortgage.
  29. Get a Sunday paper. They are full of coupons and money saving deals.
  30. Come up with a household budget.
  31. Always check for discount codes with a simple Google search.
  32. Wash your clothes in cold water.
  33. Pay your January mortgage payment early.
  34. Use free apps and websites.
  35. Look out for free festivals and days out.