Keep your car a year or two longer.

Save money you would have spent on a new car.

Do your own car routine maintenance and make regular repairs.

Stop smoking. If you cannot stop, then at least cut down on amount you smoke.

Take £5 from your wallet everyday and put it in a safe place. That will add up to £1,825 in a year.

Shop with a list and stick to it. No impulse buys.

Don't buy any new clothes until you've paid off your current wardrobe.

Eat more meals at home.

Look for inexpensive entertainment: zoos, museums, parks, walks, biking, library books, concerts, movies and picnics.

Drop subscriptions to publications you don't read.

Shop for less expensive insurance.

Save any tax refund.

Postpone purchases or consider fewer features on items you plan to purchase.

Experts recommend paying with cash whenever possible. This helps you spend less than you otherwise would have spent if you had charged purchase. You'll also avoid credit card interest charges and check-cashing fees.

The less you spend, more you can save. The longer you can consistently save, faster your savings will grow.

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