Small changes can make a big difference to your bank balance. Change one thing you do regularly and you could save money. Some examples are:
- Give up drinking coffee or cut down on alcohol - it may sound scary but it will save you money and can have health benefits
- Cancel your gym membership and walk to work instead
- Make your lunch at home
- Have people over for dinner rather than going out and ask everyone to bring a plate of food
- Borrow books and DVDs from the library
- Lock up your credit card for a month and only pay for things with cash
- Set a limit for birthday and Christmas presents or give homemade gifts
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