1 Sharing cars to work - halve your fuel costs and make a few friends

2 Install a water Meter - ideal for a big home with many occupants

3 Buy Supermarket home brands - often less than half prics

4 Sell your clutter - make yourself money and clear some space

5 Get yourself an ISA - save up to £3,600 tax-free in a cash ISA

6 Use your library - save money on books and internet access

7 Pay your bills in one go - with car insurance it can save 20 per cent

8 Buy your presents in the slaes - perfect for bargan hunters

9 Pauing bills by direct debit can often save money

10 Do your own DIY - take up a course and save pounds on plumbing

11 Pack up smoking - an expensive habit you can do without

12 Make your own sandwiches - £2 for a daily sandwich is £40 a month!

13 Don't waste food - You've seen Ashley Harriot on Ready Steady Cook, use what's in your fridge

14 Turn down central heating - One degree can make a big difference

15 Close the windows and doors - save £100 a year on heating

16 Take a shower - especially if you have a water meter

17 Don't get taken in - Buy-one-get-one-frees are a good idea but three for two just make you buy more

18 Turn it off - It costs £50 a year to run a television or light all night

19 Ask yourself "Do I really need this?" - No? Then put it down and walk away

20 Reuse old envelopes - good for the environment and finances