As the old saying goes 'Look after the pennies and the pounds will take care of themselves'. But looking after the pennies is slightly trickier than it used to be and in these times of economic uncertainty, we're all looking for more and more ways to save.
Here are 40 small changes you can make in your daily life; if applied rigorously enough, they will alter the way you spend significantly. As a result, the savings you'll make will add up to give your bank account a healthy boost.
1, Rather than splashing out on numerous expensive cleaning products, try using white vinegar as an alternative; it's dirt cheap and is actually more thorough than lots of the big brand cleaners.
2, If you pay for numerous digital/satellite TV channels, make a list of the ones you actually watch on a regular basis and cancel your subscription to all the others.
3, To get your dishes really clean, you rarely need to put a full dishwasher tablet in the machine; try using half instead and a pack will last twice as long.
4, Rather than paying for a fancy big name garage for your car check-ups, use a government MOT test centre, as they have no vested interest in prescribing repairs for your car so it's more likely to pass first time.
5, Do you spend a fortune on food during the working day? Get into the habit of making yourself a packed lunch. Do it the evening before to avoid the early morning rush.
6, Never leave the fridge door open for longer than necessary. You'll save tons of energy this way.
7, Don't leave electricals on standby overnight. It's a tough habit to break, but so many of us leave our laptops and TVs ready to go for hours and hours.
8, If you buy a certain magazine every week, consider taking out a subscription as it will usually work out cheaper in the long run.
9, For short distances, ditch the car and walk (or cycle). Money saving and healthy all in one!
10, If you are planning a holiday, consider camping as a fun, inexpensive alternative to the luxury beach resort.
11, Use rechargeable batteries in all your remote controls and battery operated goods.
12, Rather than spending a fortune on the gym, fill up empty fizzy drink bottles and use them as dumb-bells at home.
13, If you are preparing a meal using pans use plates as lids on the pans. This way, there's no need to use extra energy warming the plates in the oven.
14, When travelling long distances, look into the cost of a coach trip instead of taking the train. The savings are usually massive.
15, Look out for student nights at your hairdressers. No, you don't need to be a student to qualify; it's when the apprentice hairdressers get the chance to work at their craft on willing customers (who get a very cheap haircut, sometimes even free).
16, For staple long-lasting foods and non-fresh items (such as tinned and frozen goods), do a separate shop at a budget supermarket and stock up once a month.
17, Instead of toilet cleaner, use a cheap cola drink to make the loo sparkle. It will work just as well for a fraction of the price.
18, When using the oven, be economical and do a batch of cooking all at once. Cakes and meals can then be frozen and re-heated in the microwave.
19, Never have the windows open and the heating on at the same time. It sounds like common-sense, but you'd be surprised at the amount of people who do just that!
20, Instead of investing in books and DVDs, join a library and borrow them instead.
21, If you are only a semi-regular internet user, you can also use the library for online access rather than paying a monthly bill.
22, Don't overfill the kettle. If you are making one cup of tea, only use the amount of water required for that cup.
23, Start a car-share scheme with friends and colleagues from work. This will ultimately save you loads of cash and, as a bonus, you're doing your bit for the environment.
24, Do your shopping at the supermarket late at night when many items have been reduced for clearance.
Credit: Morguefile25, Cut out snacks and take-away coffees between meals. It's far healthier and you'll notice the savings within a week.
26, For the kids, try to find a local toy-lending library. Saves you money as you aren't actually purchasing the toys and the children get new toys every couple of weeks or so.
27, Ignore the 'rinse and repeat' instruction on your shampoo bottle. Once is nearly always enough.
28, Organise a clothes-swapping party with a group of friends. One man's trash is another man's treasure.
29, Opt for showers over baths. It will save you a fortune in water bills.
30, Use email as often as possible, as opposed to phone calls or texts.
31, Swap baby wipes for cotton wool and lotion or water.
32, Turn your central heating thermostat down by one degree. I bet you won't even notice the difference in the heat, but you'll certainly notice the difference when the bill hits the door mat.
33, Double check your TAX code. If it's not correct or out of date, you could be paying more than you need to.
34, Do a bit of research and find out about local co-operatives where a group can buy food in bulk and split it between them.
35, Sign up to money-off sites, for deals, vouchers and discount codes, but don't buy items simply because they have money off. Only use the vouchers on items you were already intending to buy.
36, Gather together all of your unwanted possessions and sell them on eBay or at a car boot sale.
37, Don't do the weekly food shop when you;re hungry.
38, When you hire any equipment (for DIY purposes for example), do it over a bank holiday so you get an extra day free of charge.
39, Try being a vegetarian for a few weeks, or at least cut down on your meat intake. This will detox your body and your purse.
40, Make sure all lights are turned off in rooms that you're not in.
Hopefully, applying these small changes will make life a little easier in the future and help you get a handle on your finances.