- Keep the thermostat at a constant 18-21°c or lower. Adding 1°c costs £60 a year.
- Unplug chargers and switch off TVs at the mains. Standby mode eats energy!
- 90 per cent of the energy used by a washing machine is to heat the water, so opt for a 30°c wash.
- You can now switch gas and electricity supplier within three days. Go to Yours Switching Energy or 0800 008 7777 to get a cheaper deal.
- Over 55s can watch discounted ‘silver screenings’ at cinemas. Some cinemas include snacks and drinks.
- Sign up to restaurants' websites to get 50 per cent off or 2-for-1 vouchers.
- Dine out for less by opting for a set week-day lunch menu instead of dinner.
- Get discounted theatre tickets on the day of a show by ringing the playhouse or sign up to websites that offer free tickets by partnering up with theatres.
- Write a list before you go shopping - and stick to it. Ignore last-minute items at the till enticing you to buy more.
- Use stores' loyalty cards to make savings in a short amount of time.
- Check sale offers before you buy including previous price. Also, use online price-checkers and smartphone apps to see if you can purchase your chosen item elsewhere cheaper. And ask yourself if you really need it!
If you're getting a bad deal, move!
- Don't assume because you're with a well-known brand that you're getting a competitive rate of interest. Some of the best rates are available with unfamiliar providers.
- If you are getting a bad deal, move! Even if you are tied into a fixed account its worth contacting your provider and ask what the penalty will be to switch.
- Open a regular saver – If you're saving towards a goal, check regular savings accounts, some pay up to 6 per cent interest for 12 months.
- You can save up to £15,240 completely tax-free in an ISA, ideal for people wanting a simple, no-fuss account.
- Many of the best savings accounts allow a limited number of penalty-free withdrawals, so in order to make sure you earn what you are expecting, don't fall foul of the rules.
- If you took out a loan a few years ago you may be paying over the odds on interest. Shop around for something better.
- Payday loans should only be used as a last resort. Your overdraft can be a cheaper alternative.
- If your bank account is overdrawn, look at the money-transfer option on credit cards. For a fee you can credit your bank account and avoid excessive overdraft charges and instead pay it back in card repayments.
- Paying interest on card debt? Move it to a 0 per cent balance transfer card. Then concentrate on paying off the debt before interest applies.
- Take out a cashback credit card and earn when you spend.
- Ditch store cards. Some charge 29.9 per cent interest!
- Opt for a higher voluntary excess to cut premiums. But ensure you can afford it if you have to claim.
- Many people over-estimate the rebuild cost of their home and under-estimate the level of contents cover they need, so recheck.
- Some home insurers offer discounts for Neighbourhood Watch scheme members and for having an alarm and qualifying locks.
- If you've given up smoking for more than 12 months you may be able to get lower critical illness insurance premiums, so shop around.
- Consider what you really need from a private medical insurance (PMI) as certain benefits increase the cost dramatically.
- Auto-renewal of insurance is a costly mistake as the perceived convenience of staying put can see renewal premiums rise extortionately, so switch! Find cheaper car insurance at Mustard.co.uk or speak to a Mustard adviser on 0330 022 7421
- An annual multi-trip policy could save you money compared to buying several single-trip policies if you travel abroad more than twice a year.
- Get a state pension forecast from gov.uk/state-pension-statement so you know how much it will be and when it'll be paid.
- Your personal allowance is an important tax break. Couples can spread investments between them to ensure they use both allowances, potentially a combined £22,000 of tax-free income a year.
- Saving into a pension is a tax-efficient way to set yourself for retirement. For every £1,000 you pay in, the government adds £250 even if you are a non-taxpayer.
- Pay more into your workplace pension. The contribution from your employer is free.
- If you buy an annuity, shop around for the best rate. Call 0300 123 1047 or visit www.pensionsadvisoryservice.org.uk.
- Book now as bookings are up on last year so last-minute bargains will be far between.
- Fly mid week - it's cheaper.
- Have your summer break in June or September, cheaper than July and August.
- When asked if you'd like to pay in sterling or local currency, choose local currency to get a better exchange rate.
- Travel with just hand luggage to avoid check-in bag fees. For less than a week, it can be done!
- Head to Turkey for value sun holidays and Budapest for cheap city-breaks.
- There are more money-saving tips in every issue of Yours magazine, out every fortnight on a Tuesday.