How to Save on Day-to-day Expenses

• Take a packed lunch and save £400 a year. If sandwiches don’t appeal, pasta or rice leftovers can be made into salads
  
• Buy fewer teas and coffees or take a thermos – the small daily savings soon add up
  
• If you smoke, 10 cigarettes a day will cost you over £900 a year
  
• Don’t carry too much cash: if you have it you’re likely to spend it
  
• Try paying for things with your debit card, so that you only spend the cost of the item.  If you pay for something that costs £7 with a £10 note it’s likely you will spend the remaining £3 unnecessarily
  Alternatively, you might find it suits you better to use cash, but only withdraw each week what your budget allows you to spend.  Once this is spent, you’ll have to wait until next week to take out more cash
  
• Only use cash machines that offer free cash withdrawals.  The ones that charge you will state this before allowing you to complete the transaction