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"Only use your credit cards for items that you pay off in full when you get paid."
"Keep separate your 'day to day 'account from your savings account - top up the 'day to day 'account as you need - spend less!"
"Take a little out of your salary the day you get it and stash it away in another savings account! that way you wont even miss it because it is taken out immediately!"
"Speak to your bank about the best deals and what they can offer you, in 5 minutes you may just be saving on fees or getting a better interest rate!"
"Leave your credit card at home to cut down on impulse shopping, you can always return the next day if you really need the item."
"Always eat before you shop, you’ll be less tempted to buy things you don’t really need when grocery shopping!"
"Keep a diary of your daily expenses - you will be surprised at how much unnecessary expense you incur in your daily life."
"Instead of going out for dinner, we have a 'pot luck' night with friends where everyone brings a dish, loads of variety and fun!"
"Invite your girlfriends round with pre-loved designer threads to swap with while enjoying fabulous food and wine."

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