Luvurmoney are running a competition on Clyde to get your favourite money saving tips. See below for our winners tips along with other entries.

Our Winners

"I have a big hamper for pressies, and if I see something that I know my friends/family on sale, I buy it and stash it until it's needed. That way I don't spend hours and a fortune hunting for a gift when their birthdays come around!" - Liz Almond

"I wanted to do something special for my mum for her 65th Birthday.  Family is very important to her and I wanted to do a collage of photos of all the family from over the years.  It was very expensive to have this done professinoally so I dug out a pile of photos (old and new).  I bought a big frame and made a huge collage - the total cost was £2.99 and she was delighted wtth it and the fact it was hand made and persoal meant so much more." - Margaret Watson

Other Great Money Saving Tips

"Buy your wedding dress from China online through Ebay, quality designs and fabric from just £90 upwards, just been to my cousins wedding after sourcing her dresses for her and her bridesmaids and saved her over £3000"

"I have six kids so taking any kind of holiday costs- and costs plenty!!! travelling can also be a nightmare with the kids getting on a nd off trains etc, then theres the luggage!!! My partner and i took our 6 to craig tara at ayr and our relatives decided to come too, it was going to cost over £100 for us all to get there by bus, then train then bus again to our destination. So...we hired a mini bus instead and paid £75. it got us there quicker, without all the hassle of keeping the kids occupied and hauling all of our luggage, and- it was cheaper!"

"Birthdays-pICK UP THINGS IN SALE OVER THE YEAR & PUT THEM BY FOR BIRTHDAYS ALL YEAR ROUND & LOOK FOR GREAT BUYS IN CARDS LIKE 10 FOR £1.00.  WEE THINGS LIKE THIS WILL HELP YOU SAVE MONEY"

"I embarked on a trip to Goa in March this year however it had been booked since May 2008 in order for me to save up.  For my birthday i was given a terramundi money jar which you have to smash to open it however after a while of saving and knowin there was money in the pot i figured out a way to put a knife in the slot and get the money out so this failed as a savings tip and i wouldn't recommend it for that reason.  I instead contacted the travel agent who have a savings club.  I opted into the savings club and paid whatever i could afford every month.  The travel agent is a small independent place and just keep your money safe for you and pay off your holiday everytime you go in with money.  I loved it because i got a statement from the travel agent with the balance of my holiday reducing every month which was an incentive to even to pay a fiver when i was passing.  "

"Personalised gifts tend to be much cheaper than shop-bougth gifts, and mean much more too! For birthdays and engagements find pictures of good times gone past or little bits and peices that remind you of the people - if it's a wedding anniversary it could be thiings from the wedding day, some confetti, a flower from the bouquets anything.  Place it in a small cardboard box and decorate it with colour card, glitter and stick on shapes (these can be bought very cheaply in craft shops or ebay) and you have a lovely personalised gift that no-one else will have got them and that shows them how much thought you've put into it! "

"To save money on going out for a meal for a birthday/anniversary go to great websites like www.5pm.co.uk who do great deals on meals and you can save up points for every meal booked to spend on yourself, or try a great site like www.priceyourmeal.com were you can bid on meals or hotels.  i have saved loads of money using these 2 sites and have never had a problem with either!!!i love it :0)"

"if on a water meter save by leaving an empty 2ltr water bottle next to the sink to collect the cold water that comes trough the system before the hot water arrives. you can use this to boil for cups of tea etc."

"Keep an eye out at bootfairs and in charity shops for birthday presents - you often see things that have never been opened and are at least half the price of buying them new."

"Join Freecycle! It's amazing what people give away for free and it helps the environment. I requested a roll of a particular border to replace a damaged section - I only waned a foot lon piece and someone had one, saving me £24.99!"

"Write a shopping list before you go shopping and stick to it! It saves you buying things you don't really need :)"

"we keep guneau pigs and ducks and rather than buy bedding i asked at the local carpentry collage they let me have as much sawdust as i need for free. I also have shredded paper from a local office for the small pets."

"Buy pick & mix rolls from your local supermarket (usually around £1 for 5) and freeze them.  Take out one each night and put in your breadbin and you will have a cheaper lunch each day.  Buying pick and mix rolls adds to the variety and makes it less mundane to do!"

"When fruit starts to look off and unappetising to your family, don't bin it, make it a smoothie that they enjoy and will be non the wiser."

"Buy a big cheap bottle of cream bath and decanter into hand soap bottles. much cheaper! turn oven off 10 mins before cooking time over -will still cook. Iron cottons first, then turn iron off and iron silks when iron cooling. take a shopping list to the supermarket. I could go on forever!!"

"I use cheap hair conditioner to shave my legs instead of expensive shaving foam.  The conditioner also leaves my legs feel silky smooth and soft."

"Local colleges with catering course over elaborate meals all waited on much cheaper which there trainees have cooked"

"Consider giving an IOU that cost time instead of pounds. You can really tailor it to the recipient, be they old or young, and it'll mean so much more. E.G. grass-cutting, den-building session, babysitting, washing-up, walk in the woods, massage- the possibilities are endless, just use your imagination!"

"I use an online travel agent and book flights and accomodation separately. Saves £££'s and let's you choose your favourite hotels and destinations."

"When shopping online i always use voucher codes websites because you can usually find a code for most big shops to enter which entitles you to as nuch as 20% discount. Depending on the shop and code you get."

"Join www.freecinema.co.uk and view pre release films free at cinemas around the country. They ask if you would like to submit a  pc form on your opinion afterwards if you wish. Great free night out I can recommend"

"Don't throw your potato peelings away! whizz a lil oil and sprinking of salt on them and crispen up in the oven! my kid loves them! serve with sourcream or salsa"

"I stopped smokeing which encouraged my husband to stop as well. With the extra money we saved we were able to buy a bigger house."

"Don't get married and if you some how slip up and do, do not give her your bank details lol"

"When I go shopping, I make a menu for the week and only buy what I need. However, I only shop for 6 days. On the 7th day, I make a meal out of all the leftovers! It makes me be a bit mroe creative with my cooking and it saves me money too!"

"Save money off your food bill every month by menu planning first. Batch cook and then freeze in bulk. Any leftovers can be frozen and blended into soups. Freeze leftover bread to make croutons."

"Paid holiday using interest free credit card for 12 months--also used for all spending money And no need to pay until next yesr"

"I always do one big food shop every week and make sure I don't have to buy extras midweek.  I always work out a meal plan and use this as a shopping list which means I only buy what I need.  Also, I always go shopping after eating which stops me buying lots of high calorie convinience shopping.  This way I can usually feed my family for less than £60.00 per week."

"Carefully position mirrors to reflect the light from the streetlights outside into your living room, saving you from switching lights on."

"To save money (and headaches) we ran away to Gretna Green to get married, i got my dress from TK Maxx and it was georgeous. I had a horse and carrage take me to the mill were we got married and we went back to the hotel for drinks, then we had a party the following week and got to wear my dress again, it was a farytale day, i loved every minute of it and it cost us a fraction of what couples normally spend!"

"I have a big hamper for pressies, and if I see something that I know my friends/family on sale, I buy it and stash it until it's needed. That way I don't spend hours and a fortune hunting for a gift when their birthdays come around!"

"Everyday i usually put some change into a piggy bank and in a year i usually get atleast a couple of hundred from it ."

"Groceries When buying fresh broccoli always break the stalk off. This is the heaviest part and why pay for something you don't use!! Try it and you'll notice the difference in price"

"Through out the year when i see buy one get one free on things I buy one for myself, partner or son and keep the free one towards Christmas presents for the Family."

"Used a standard restaurant booking for the wedding breakfast."

"I keep a certain ammount each month and put it from one bank account into my savings account so that when my holiday is due i can just empty it and have fun! As for my spending money i buy a good old metal £1 bank and save up and puond or £2 coins and change them for spending money... You would be surprised how much they hold!"

"Go online and do surveys they last between 5-25mins and you can earn points for vouchers to eat out cinema tickets shows and shopping"

"It pays to shop about. I was desperate for a Plasma TV and I knew I wanted a big one what woman doesnt. HaHa. Anyway I saved up all my pennys as I was not gettinginto deb and I checked all the compare sites, supermarkets etc and got a bargain from Tesco as it was an ex-display I saved £300 quid. I was well made up. So my money avice is no matter what you are buying spend some time and shop about for the best price. xx"

"It pays to shop about. I was desperate for a Plasma TV and I knew I wanted a big one what woman doesnt. HaHa. Anyway I saved up all my pennys as I was not getting into debt and I checked all the compare sites, supermarkets etc and got a bargain from Tesco as it was an ex-display I saved 300 quid. I was well made up. So my money advice is no matter what you are buying spend some time and shop about for the best price. xx"

"Nothing very exciting, BT was costing us a fortune, so we switched to Sky and now we get TV, Broadband and phone for the same price as what we paid BT for phone and broadband (plus got £200 credit balance back from BT)."

"Stop paying commision to the travel agents and take an extra 15 mins online and book the flights and hotel seperately. I used to go the travel agents (sometimes thats part of the holiday experiance) and book mines but since I have started doing it seperately, I save at leave a £100 each time. So go in to the travel agents and get your quotes (so you still get the holiday buzz) but book seperately online and enjoy your extra money on those holiday cocktails. K.x   "

"Saved over £100 each in booking a flight a day earlier to celebrate our Silver Wedding in Sept.Also saved money by NOT having a party."

"Elope - it's much cheaper, more fun and far less stressful...  (The Father of the Bride)"

"Before you buy something ask yourself 3 times if you really need it or if you are just spending for the sake of it."

"Buy a cheap tent and go to lochearn it wont cost you a penny to camp you only have to pay if your fishing dont forget the barbie and some logs for the campfire its a superb way to spend a cheap relaxing weekend and there are plenty other lochs around scotland with free camping as long as you dont mind roughing it a bit"

"i saved up £3,000 by the time i was 16 just from my paper round i never touched the money i made from it"

"As unlikely as it seems you can pick up the dress of your dreams while doing your weekly shop. Asda now sells bridalwear meaning you can walk down the aisle for as little as £60. You can even take it to a dressmaker to jazz it up.  "

"When it came to organising my sisters 40th birthday, rather than splash out on a big party which could have cost me in the region of upwards of £600, I organised an outing to a tribute night at a cost of £39.90 pp which included dinner b&b and an overnight stay.  As it was so cheap, guests paid their own way and I treated my sister to her tribute night.  As I had saved so much, I surprised her with a trip in a Hummer to the venue.  It was a gre.at night and didn't cost me the earth"

"i saved a load of money on my holiday to florida this year by using the clubcard vouchers from TESCO to pay for part of my holiday . i saved up £400 worth of vouchers which gave me £1600 worth to go to pay for my holiday , i then only had to pay a further £1500 so i saved a lot of cash , and the good thing is you can use the vouchers for loads of other things as well as holidays ,you get 4 times the face value so thats my money savung tip. cheers kevin "

"With royalties gold you get 25% of a holiday if booked through the royal bank of scotland. and if you have a royal bank royalties gols visa card you get free travel insurance, and free use of the sky hub private lounges at Glasgow airport. ive done it and saved loads of cash "

"if you take out a royal bank of scotland royalties gold card you get 25% of selected restaurant food, and if you want to go to a show orsee a concert you get 25% of the ticket prices at all music and theatre events spoting events are not coverd, but a huge cash saving"

"Never ever go shopping when your hungry you always spend more than you need"

"Make the most of free activities in your area, museums, parks with free displays/fetes etc, check listings in your local paper for fun and more importantly FREE activities!  Pack a packed lunch for even more moneysaving! "

"Switch off unused appliances as they are a fire hazard (IM A FIREFIGHTER)and will help create a greener environment!"

"Re fill small bottles of coke from big 2 litre bottle to take to work daily"

"Because i am ill at the moment with health reasons i enter competions for holidays i go onto martin freebies online to save money helps with discounts"

"A really good way i find that you can save money is think to yourself.  Do i really NEED it? - Or do i just WANT it  If you are determined to save cash dont spend on junk."

"Buy a ready iced rich fruit cake from a reputable supplier and decorate it yourself with flowers to match the bouquets of the bridal party - saving around £300!!!"

"I saved myself the disappointment of unwanted wedding gifts or unrealistic wedding lists and asked guests to give us American Dollars which we used to enjoy our american honeymoon. "

"I handmade al my own invitations, than you cards, order of service and favors to co-ordinate with each other. It was really fun, added a personal touch and saved lots of money!!!"

"I chose table centrepieces that I knew would be appreciated as gifts for the people I most wanted to thank on the day of the wedding.Which combined two purchases into one and were very much appreciated and are on the windowsills of all my sister-in-laws and aunts."

"I have a standby Orange mobile sim which I use to get free cinema tickets on Wednesdays with. I only use it for this purpose and it has saved me around £75 so far."

"When I go out with my Mum for a cup of tea we always ask for a pot of tea for two and a pot of boiling water. We know one cup is never enough and transfer the teabags from one pot to another and suddenly both have a pot each!!"

"I recycle my old birthday, Christmas and Anniversary cards and cut out the messages and pictures. These can be used as gift tags or to make personalised cards me to give to others. I never have to buy tags or cards and always have an emergency supply."

"I never get sucked in by online offers for holidays and always phone the hotline even if the option to book online is there as further discounts are always available if you speak to the representative. I saved £280 on a holiday to Italy doing this!!"

"I love reading but could never afford to buy all the books I fancy reading. I uswe various ways to get around this, my local library, charity shops and a great website called grrenmetropolis where books costs only £3.75 inclusive of p&p and when finished with it you can sell it back on and make £3 for yourself to buy another read! "

"recycle birthday and christmas presents someone gave you abd give them to others.  "

"For a thoughtful but inespensive present for my friends 30th birthday.  I took lots of photos at her party and then put them onto a dvd along with music as a lovley keepsake for her.  She was chuffed to bits.  It cost very little but with a bit of time and creativity made a really personal gift that she treasures.   "

"When buying new clothes dont take off the lables untill you are going to wear them. as my daughter and me some times but things we never wear. if you keep the lables on you can sell them on via ebay and get more for them than without lables. we have just sold enough to buy lots more."

"MY PAL IS GETTING MARRIED NEXT MONTH.  SHE IS ON A TIGHT BUDGET AND INSTEAD OF BOOKING AN EXPENSIVE HOTEL VENUE WHICH CAN CHARGE A FORTUNE FOR SET MENU WEDDING MEALS, SHE HAS BOOKED A SMALL LOCAL RESTAURANT IN GLASGOW WEST END AND HER GUESTS WILL ORDER OFF THE PRE THEATRE MENU.  THIS HAS SAVED HER A SMALL FORTUNE AND SHE IS CHUFFED TO BITS WITH THE VENUE WHICH IS NOT FAR FROM THE REGISTRY OFFICE.    "

"My husband and I always make sure we fill our petrol up in Sainsburys Garages and use our Nectar card.  We then use the points collated to rent out of dvd's.  Can't remember the last time we had to pay for a dvd at blockbusters.  You'd be surprised how much money you can save."

"If you can, and have time, then buy your dress straight from the supplier.  Go to the wedding shops, pick the dress you want and then price it online.  You'll find it 100's of pounds cheaper"

"Racther than buying a hair from accessorise for £10, I bought an artificial flower for £1.99, and glued a clip to the back of it!"

"collect your wages one day extra a week (8 days)and seven weeks later you have a double wage"

"If you have a talent, use it as a gift for the happy couple. I made all the wedding invitations for my nephew and saved him a few hundred pounds. When we got married one friend made our cake as a gift, one sang at our wedding and one friend played the organ. I also made my own favours, invitations and orders of service. It was great fun and saved a small fortune."

"Like lots of women, I spend a small fortune on cosmetics and skincare items. When you think a tube is finished if you cut it open you will be amazed at how much cream or serum is still inside. Keep the tube airtight inside a small food bag and it can last you for a few more days easily."

"If you have a few members of your family or friends who are into growing their own fruit and veg you can swap your excess produce with each other. This will ensure that nothing is wasted and will reduce your grocery bills. It is also environmentally friendly as it reduces your carbon footprint by cutting down on the airmiles or fuel costs incurred in sourcing products."

"AS THE CREDIT CHRUNCH IS AFFECTING EVERYONE AND EVERYTHING, I HAVE NOW DECIDED TO DO MY WEEKLY SHOP IN TWO SHOPS INSTEAD OF ONE, I USED TO GO TO MORRISON AND SPEND ABOUT £150 EVERY WEEK ON FOOD, I NOW GO TO FARMSFOODS FOR BREAD MILK JUICE FOR MY SON CEREAL ECT AND I SEND AROUND £25 -£30 PER WEEK AND THEN I GO TO MORRISON AND GET THE FRESH FOODS SUCH AS FRUIT, SALAD , MEAT ECT AND I NOW SPEND ABOUT £70 - £80 PER WEEK IN MORRISONS, THIS MEANS THAT IN TOTAL I NOW SPEND AROUND £110 AND SAVE £40 EVERYWEEK."

"Looking for unusual candlestich holders that dont break the bank? Retain empty wine bottles and wind round string around the outside of the bottle so it is fully covered and glue in place. then paint with any coloured paind you have lying around ant it is transformed into a unique candlestick holder! Also great to keep bored kids amused!"

"My partner and I are currently saving up to buy our first home.  We have been saving for a few years and have set up monthly direct debits into savings accounts. The main point of interest for me is finding an account paying a decent rate of interest.  ISA accounts are good, as well as some fixed rate bank accounts.  You need committ yourself to making regular payments and not be tempted to withdraw your money.  I am sure this will prove beneficial for us when we take the plunge and decide to buy our home.  Happy Saving!"

"Use teletext to compare holiday prices.  Always tell them that you are ready to book today if they will give you something thrown in for free eg insurance or transfers.  Of course, you need to be sure that when they do give you a good offer you will actually book.  Also hang on to the phone no as it is usually someone working from home with phone and computer and work up a bit of banter with them and next time just phone them first instead of going onto teletext as they may have extra offers for you returning to them to book!!!"

"I find items i fancy on the internet that i may have seen in the store. i save it as a tab and check regularly if it is on sale. To be honest anything i like especially on the new look website ends up on sale after a couple of months.This has seriously saved me A LOT of money!!!"

"In the current climate breakdown cover is something that some people will decide not to take out. However if you break down it can be costly to get towed yourself £80 odd. If you take RAC cover you can be around £115 annually for roadside recovery and at home. If you take it with Norwich Union Direct you pay prob around £45 ish for the same cover. NUD own RAC and do not have enough vans in Scotland so you recieve RAC service without RAC costings!"

"my husband and I both have terramundi money pots - we agreed nothing less than £2 coins to be dropped into the pot - between us we had saved almost £500 over less than a year and were able to book our new year trip to amsterdam - we hadnt missed the cash as we put in when we had a £2 coin in our purse or pocket and were amazed how much was in the pots - we glued them back together and are saving again for next ne'er!"

"It's saving me around 3,000 per year of my uni degree to stay at home with mum! Stick it out and save up."

"i baught a ceramic bank from the local newsagent, everyday i put either a two pound coin or a one pound coin in it the week before my holiday i smashed the bank and i had £475 saved up. ill certanly do that again!"

"I find birthday cards are a huge waste of money. With the cheapest cards in most shops being over £2 and others being £5+ I have found the best way to save money is to buy cards from car boot sales. You can often buy 3 quality cards (including hallmark) for £1 - leaving you more money to spend on your love one... "

"Write down all your little spends for a whole week, e.g.  magazines, can of drink, sweets, ice lolly, coffee  -   and you soon realise where a lot of your money is going!!  Then  the following week adjust some of your spending in order to save some money!"

"Save money on meals out by entertaining at home!  You get the food you want, cooked how you like it for a fraction of the price plus there are no time restrictions etc"

"We got married two years ago and we stayed within out budget with no problems. The key is to be absolutely sure about what you can afford.  Then decide what are the things you can and cannot compromise on for your wedding i.e. get married on a Sunday or midweek as it is often cheaper.  Search around for the things you want and you may find them significantly cheaper.  Make things yourself i.e. invitations and favours. But finally, give yourself plenty of time and plan things well."

"I wanted to do something special for my mum for her 65th Birthday.  Family is very important to her and I wanted to do a collage of photos of all the family from over the years.  It was very expensive to have this done professinoally so I dug out a pile of photos (old and new).  I bought a big frame and made a huge collage - the total cost was £2.99 and she was delighted wtth it and the fact it was hand made and persoal meant so much more."

"Someones rubbish is someones treasure.  I always keep this in mind by selling anything I dont use or wear anymore on Ebay, I have made a good few hundred pounds on things that I would have otherwise thrown out. Ebay is an excellent way to make cash on the things you no longer need.  Give it a bash and Im sure you will become as hooked as I did.  My boyfriend had even got to the stage he was hiding things in fear of me selling them..hahaha. xxx"

"i moved my mortcage to interest only for a year to give me a bit of breathing space and saved £550 per month for 12 months!"

"Every time I go food shopping, I buy the supermarket brand. But I also take note of the price diffence between this and the premier brand, this differnce is then put away in a saving fund. the diffence addes up in no time"

"I have been a smoker for 20 years.I stopped smoking 8 months ago and opened a seperate bank account and put all the money into it each day and i have asved £625.00. Not only have i saved money i have also saved a few years on my life and i feel fab "

"I stopped drinking alcohol, if you think about the amount of money which the average Scottish person spends on a Friday or Saturady night, It's a lot. Therefore, I was able to save money by not drinking alcohol for 6 months. This alloowed me to go travelling to Australia. It was well worth it. I had a blast. "

"get married on a friday much cheaper than a saturday."

"I maanage all our accounts on spreadsheets so that a small saving can make a big inpact and longer term spending like holidays can be planned for."

"cinema - orange wednesdaya 2for1 offer !"

"There are various ways I have saved money since buying my first property in February last year - mostly household related. By simple things like switching appliances off at the wall instead of leaving on standby and not overfilling the kettle - I'll only put enough water in for a few cups myself - I have been able to dramatically reduce electricity bills from the approx £47, to a much more manageable £12! Yes, simple things like this does work! I also use a financial adviser to get the best price available for all products needed for the run and upkeep of having mortgages and such. I had started walking to work and avoiding the £40 per month bus fare so using this, I am now able to eat out more often and treat my mum when in a cafe or on similar occasions. On a non-household note, I find on-line paid survey sites useful in gaining 'free cash' too. Sites such as Lightspeed Surveys, ValuedOpinions, and Pinecone have paid points which can be exchanged for paypal/gifts, so this has helped on occasions and gifts, saving the money I have on basic necessities for daily living (not like on minimum wage can I apply for expenses to be paid like others on the news! )  Also through these types of sites, you may also get to product test various items which don't have to be returned, and who is going to turn their nose up at freebies? Nothing much better than getting something for nothing."

"There are various ways I have saved money since buying my first property in February last year - mostly household related. By simple things like switching appliances off at the wall instead of leaving on standby and not overfilling the kettle - I'll only put enough water in for a few cups myself - I have been able to dramatically reduce electricity bills from the approx £47, to a much more manageable £12! Yes, simple things like this does work! I also use a financial adviser to get the best price available for all products needed for the run and upkeep of having mortgages and such. I had started walking to work and avoiding the £40 per month bus fare so using this, I am now able to eat out more often and treat my mum when in a cafe or on similar occasions. On a non-household note, I find on-line paid survey sites useful in gaining 'free cash' too. Sites such as Lightspeed Surveys, ValuedOpinions, and Pinecone have paid points which can be exchanged for paypal/gifts, so this has helped on occasions and gifts, saving the money I have on basic necessities for daily living (not like on minimum wage can I apply for expenses to be paid like others on the news! )  Also through these types of sites, you may also get to product test various items which don't have to be returned, and who is going to turn their nose up at freebies? Nothing much better than getting something for nothing."

"There are various ways I have saved money since buying my first property in February last year - mostly household related. By simple things like switching appliances off at the wall instead of leaving on standby and not overfilling the kettle - I'll only put enough water in for a few cups myself - I have been able to dramatically reduce electricity bills from the approx £47, to a much more manageable £12! Yes, simple things like this does work! I also use a financial adviser to get the best price available for all products needed for the run and upkeep of having mortgages and such. I had started walking to work and avoiding the £40 per month bus fare so using this, I am now able to eat out more often and treat my mum when in a cafe or on similar occasions. On a non-household note, I find on-line paid survey sites useful in gaining 'free cash' too. Sites such as Lightspeed Surveys, ValuedOpinions, and Pinecone have paid points which can be exchanged for paypal/gifts, so this has helped on occasions and gifts, saving the money I have on basic necessities for daily living (not like on minimum wage can I apply for expenses to be paid like others on the news! )  Also through these types of sites, you may also get to product test various items which don't have to be returned, and who is going to turn their nose up at freebies? Nothing much better than getting something for nothing."

" Baby wipes,have many uses,can be used to take off make-up and great for cleaning leather upholstery."

"Leave your bank card at home.  That way you don't spend money during the week or do internet shopping. Plan ahead - take out money for your bus fare for the week."

"If you go to the supermarket on a set day every week, say Saturday and purchase the week’s shop, try waiting until the following Sunday before you go and the next week, Monday, and so on.  If you try to make your shopping ‘stretch’ an extra day each week in seven weeks you will have saved the cost of a whole week’s shop – whatever that may be! "

"On my son's 9th birthday he got a brand new ipod nano.  Two months before that I got a brand new 18 month mobile phone contract with orange, and yes it came free with that.  My phone has since broken and been replaced but he still loves his nano and his mum! "

"when booking a holiday recently I booked the flights and hotel separately online rather than through a tour operator and saved £500"

"You can save money on wedding favours by buying the chocolates in bulk at Valentines Day.  We bought sevaral bags of M&S chocolate hearts which still tasted lovely at our wedding in June and were a lot cheaper than those designed to be used as favours.  We bought our favour boxes from Tesco and saved a fortune."

"for birthdays make your own gift box with little things in like sweets, and smellies, alot of companies also offer free samples of products pop them in the gift box you can save loads by doing this and it also is alot more personal "

"Look out for kids clubs at local cinemas, where they usually show a kids film on a Saturday/Sunday morning and you pay £2.50 for each child and adults go free! So a family of 4 could actually go to the cinema for £5.00!"

"London - If you travel by rail, then LOndon2for1 is a great way to save money. There are loads of vouchers you can download from the London 2for1 website for entertainment and leisure. That way you only pay half the money you would normally!!! You must be travelling to London by train though. If you book the train exactly 10 weeks in advance with North East Coast then it'll be super cheap too!!"

"Washing the car yourself saving a minimum of £3.50 per week equates to £182 a year  Using Washing up liquid and warm water to dry it off use kitchen roll to take of excess and then an old towel to polish it up gleaming and it burns of loads of calories ha, ha"

"Computers are used by companies to save money. If you have a computer at home, use it in the same way. Use the spreadsheet to help with budgeting. Keep your bank balance on it and record your expenditure."

"Use websites like 5pm.com for cheaper meals out and see film first for free preview cinema tickets."

"We save up our Tesco vouchers and redeem them online where you can get 4 times your amount in return to spend on various things ranging from weekends away to theatre tickets etc. We usually use ours for eating out at places such as Bella Italia, Harry Ramsdens & Ma Potters. Useful even if you're away on a UK break somewhere..."

"Go out and earn as much money as you can while you are young.  Do as much overtime as you can so your bank balance grows.  No one is going to come and put money through your letter box, you have to go out there and earn it.  Work hard while you are young and have a good life as you get older."

"When shaving your legs,use hair conditionerv instead of buying exspesive shaving foam"

"when I got married I bought my bridesmaid dresses from ebay and contacted the seller to see if they had some extra matching fabric they could send with the dresses...they sent 2 meters of satin and lining fabric FREE and because they did this I managed to make my daughter a flower girl dress that was the exact colour and fabric of my bridesmaids dresses and the best bit it didnt cost me a penny! My granny always said you get nout if you dont ask! Also did our own wedding cakes by going to asda and buying their special plain iced fruit cakes.. we bought pearlised spray from ebay and covered them in that then put 2 button holes on the bottom layer and 1 on the top and dangled some thin ribbon down the layers and it looked fab! what would of cost us £250.00 to buy off someone else cost us £10.00 in extra button holes,spray and ribbon and less than £10.00 for the cakes! Hope this helps! xxEVxx"

"I made my own wedding favours. By buying red heart shaped chocolates from thorntons and wraspping them in claer plastic film (the type flowers are wrapped in) then tied with a lovelly red bow. Worked out at about 50 pence a favour and they looked really good on the dressed tables, the guests comented on them, and then of course they got to eat them. Simple but really effective."

"I made my own wedding favours. By buying red heart shaped chocolates from thorntons and wraspping them in claer plastic film (the type flowers are wrapped in) then tied with a lovelly red bow. Worked out at about 50 pence a favour and they looked really good on the dressed tables, the guests comented on them, and then of course they got to eat them. Simple but really effective."

"when I got married I bought my bridesmaid dresses from ebay and contacted the seller to see if they had some extra matching fabric they could send with the dresses...they sent 2 meters of satin and lining fabric FREE and because they did this I managed to make my daughter a flower girl dress that was the exact colour and fabric of my bridesmaids dresses and the best bit it didnt cost me a penny! My granny always said you get nout if you dont ask! Also did our own wedding cakes by going to asda and buying their special plain iced fruit cakes.. we bought pearlised spray from ebay and covered them in that then put 2 button holes on the bottom layer and 1 on the top and dangled some thin ribbon down the layers and it looked fab! what would of cost us £250.00 to buy off someone else cost us £10.00 in extra button holes,spray and ribbon and less than £10.00 for the cakes! Hope this helps! xxEVxx"

"I have enlisted the help of friends and relatives to help with saving money for our wedding!! A relative is making our invites for us together with our place cards and table plans and this is going to be her gift to us.  Another friend is doing our flowers and only charging us what it costs to buy them.  "

"to save muney for aything the best thing is to put a put of muney in a differant savings account wen i have the muney spare or want to keep badly"

"Vouchers!!! Most people overlook the vouchers you get in newspapers but through collecting these I have managed to get a 3 night caravan break for 6 people for £90!! Also got buy one get one free theme park tickets whcih is a massive saving!!"

"I saved £2 coins every chance I got to change a £2 coin from the till or my change. I put them all away in a piggy bank and in less than a year, I put £840 into a savings account - my holiday had been paid!"

"every time you get back in from work,or any time youre arriving back from a night out ,simply put any coins you have in youre pocket except pound coins into a jar for saving.that way you dont miss it as you still have the pound coins,after a short while youll be amazed at the coins you have amassed,thus you have got a good amount of spending money to kick off youre holiday."

"The best way to save money is to budget for each month. after paying bills try give yourself a set amount for food, birthdays, petrol etc by doing this it can help cut down on things you dont really need or what you are spending to much money on. Get yourself a budget book write down your income and all your out going. Try shopping around as you will be surprise at how some places can be cheaper even if it is just for a few pence you are still saving. By doing this you can then try to save each month for anything holiday, wedding,"

"There are a number of websites that require you to complete short surveys and in return you build up points or pounds. You can then redeem these against a variety of sites such as amazon, hmv, topshop or request cash payment - it's paid for half my christmas the last couple of years!!"

"Halifax offers two types of ISAs, one at around 0.5% and the other at 3%. The 3% one has restrictions, such as ma of 5 withdrawels per year and must leave £1000 in the account. However, on breaking the conditions, all that happens is you revert back to the lower interest account. Everyone may as well change to the higher interest account and earn the 3% until you need to break the conditions - at which point you just end up where you would have been all along, only with a few extra pounds the following interest payment :)"

"To help save money with your weekly grocery shopping buy it online from either tesco or asda & you only get exactly what you need without all the tempting offers int store isles to distract you when you dont really need them & also check the websites that offer money off codes or free delivery codes & get your shopping delivered straight to your door for free!!!"

"I booked my photographer and videographer with people who worked from home so were cheaper as had less expenses but there work was as good or better than some of the larger companies."

"instead of expensive hair treatments try combing through some extra virgin olive oil through your hair, put on a shower cap or towel and leave for an hour or so, rinse out and then wash and condition as normal and the results are beautiful, clean, shiney hair."

"for city breaks book your flight as early as poss I found ryan air very cheap for paris barcelona and rome. then go onto venere.com for hotels also very cheap and you don;t actually pay till you get there, saved a great deal than going to travel agents"

"My neighbour and myself have been getting together with whatever is in our Fridge/freezer and making dinner (COME DINE WITH ME )alternately at each others homes.  This has saved us (1) money (2) throwing food out and (3) we have had a great time doing it - even our husbands have had a turn of the cooking"

"Do you have a mobile on pay as you go then stop topping up at any old shop and get a boots advantage points card .That gives you 4p for every pound spent on shopping and topups.Great for saving for xmas pressies such as perfume and aftershave.You also receive double points vouchers regularly so that boosts the total as well.02 also give back 10% of the total topup every 3 months so even more free money."

"I HAVE A VERY LARGE RHUBARB PLANT GROWING & I APPROACHED A LOCAL FRUIT SHOP WHO AGREED TO TAKE MOST OF THIS FOR CASH OR GOODS /  I OPTED FOR FRESH FRUIT & VEGETABLE & EGGS -  I HAVE ALSO TOLD HIM ABOUT MY APPLE TREE & HE SAID HE WILL TRY THEM OUT & IF THEY ARE ANY GOOD HE WILL PUT THEM INTO THE SHOP. IT FELT AS IF W AS GETTING SOMETHING FOR NOTHING -"

"save your boos points up over the year and keep your tesco reward vouchers and use them for buying prezzies for your friends and family"

"Instead of paying hundreds of pounds for wedding cars, we hired  limousines from the local funeral director!! They put beatiful ribbons on them and supplied chauffeurs!! we saved an absolute fortune!"

"For anyone with savings at the moment,who is earning minimal interest you could look at an offset mortgage which means although you would recieve no credit interest on your savings - you would only pay interest on your outstanding mortgage balance less the savings you chose to offset. For expamle: £100k mortgage with £10k in savings - you only pay interest on the £90k @ your'e mortgage rate which will be much higher than interest rate savings at the moment.You would also have instant access to your savings just like with your savings account, and if you are a higher tax payer is also tax efficent as no tax on your savings."

"IT'S SIMPLE CUT BACK ON YOU'R SPENDING AS MUCH AS YOU CAN, BY ASKING YOURSELF, DO I REALLY NEED THIS.  THEN JUST PUT AS MUCH SILVER & POUNDS IN A TIN, THAT'S WHAT I DO, IT REALLY WORKS A TREAT, MOUNTS UP BEFORE YOU KNOW IT."

"I think the best way to save money is to pay by CASH.  For some reason it always seems easier to pay by card, because it doesn't feel like mine but if I have to hand over hard cash I always think twice about it and I would rather keep it in my purse than put it into somebody's till!!!!"

"my daughter is expecting her first baby in 4 weeks, since the day she told me last november i started a baby collection. she will not have to buy any baby produts at all. i have saved her a small fortune.there is everything from nappie creams  bottles, lotions gripe water teething gels, bottle brushes, sterilisers bibs clothes. as they are a young married couple struggling with mortgage and bills, i hope i have saved them from buying anything for the baby for at least one or two years."

"When I stopped smoking, I put the money that I would buy the cigarettes with into my ISA account. Now I'm able to go on a holiday once a year."

"Digital batteries are expensive?, so when you are not going to use your camera for a long time?,to save the drain of your batteries?cut a small piece of CARD and put it between the contacts of the camera and the batteries tiill you next need to use the camera, them battery power will be SAVED and last LONGER"

"when orginising a reception hire a hall but dont hire caterers to do the food instead get family to all pitch in and make sum food for a buffet you will save around £100 do the same for any other kind of partys"

"We celebrate our 30th wedding anniversary and instead of hiring a hall we are having it in our house all our friends are asked to bring a bottle and a food of their choice for the buffet that way it means i am not spending a lot of money on this equally i am asking them to bring the food instead of a present that way they are not out for both. I get to enjoy a lovely night with other people bringing the drinks and food. Plus everyone is happy with the food cause they have choosen it!"

"when havin a roast chicken dont throw away the carcus place it in bag and freeze to make a stock for soup and gravy also can be done with fat trimmings from meat, this will save you buying stocks"

"instead of paying for a family day out check out what country parks are near to you most are free to enter and entertain the kids for hours and instead of buying lunch while there take sum sandwiches crisps and bottles of juice "

"instead of paying for a family day out check out what country parks are near to you most are free to enter and entertain the kids for hours and instead of buying lunch while there take sum sandwiches crisps and bottles of juice "

"en planning your wedding instead of going out n paying out loads of money all at once look in catalogues such as kays and see if ther are any in there you like you can pay them up and arent paying out loads of money all at once n if you dnt like it or its not the right size you can send it back"

"en planning your wedding instead of going out n paying out loads of money all at once look in catalogues such as kays and see if ther are any in there you like you can pay them up and arent paying out loads of money all at once n if you dnt like it or its not the right size you can send it back"

"receycle old birthday cards by askin for cards you give to people back so you can give them the card the year after! saving money and the planet!"

"if you are wanting to save money up for entertainment, well there is 3 steps to it. 1: you can open an credit union. 2: then put money into your shares every week. 3: then before a week you do your activity you can get your money out and do your activity . there that is the 3 steps."

"hi every 50p i get i give it to my sister who in returns gives me it back near xmas iv saved up &84 already that way you wont spend any of it thats my tip "

"When in Florida we had loads of change (Coins) so to use this up we counted out $5 which was parking charges at Disney Parks on arrival we handed over the bag of change and the attendent took one look at the bag and gave it back and said todays parking was free.  We tried every day for the next 8 days to pay with our $5 change and no one ever accepted it we had loads of free parking and even a McDonalds drive thru."

"hi  i shop after xmas that way you get all the bargans like  cheap xmas cards birthday cards  and you save all year round and it saves you buying them later"

"hi  i shop after xmas that way you get all the bargans like  cheap xmas cards birthday cards  and you save all year round and it saves you buying them later"

"Cashback credit cards are a form of reward scheme, yet rather than giving points or bonuses, you get cold hard cash, tax-free, every time you spend on the card. And as cash is totally flexible - you can spend it on anything - and easy to compare, for almost everyone it comes up trumps.  Yet before beginning, it's important to follow....  THE GOLDEN RULE  Always set up a direct debit to pay the card off in full each month, so you'll never pay interest, otherwise that more than wipes out any gain.  The reason card companies offer cashback or any reward scheme is simple, they want to encourage you to spend on the card so they can earn interest from it. The interest cost of all cashback cards dwarves the cashback you'll earn.  Therefore before applying for a cashback card answer these two questions...  Are you sometimes unable to repay cards in full? If you can't repay in full every month, instead focus on a card with a lower interest rate instead.  Do you have existing credit card debts? Here you'll save more money by keeping them cheap, than going for cashback. And as applying for any financial product has a minor credit score impact (see the Credit Rating guide), ensure they're sorted out before applying for a cashback card.  The best way to pay off in full each month is via a Direct Debit, which unlike a standing order, allows the card company to take a variable amount each month to correspond with what you owe it (see the Direct Debit guide for more).  Sadly a few card providers deliberately miss the 'pay off in full' option off their Direct Debit forms, as it means they'll make less money; if that happens just write in ‘pay off in full' and send it in. The rules mean they should honour it, though do call up after a week or so and check it's in place.  Once this is done, your credit card has effectively become a Debit card, yet one that pays you every time you spend on it. While they don't like it, credit card companies don't lose money as they charge retailers every time someone uses one of their cards. In many ways using this technique, you're effectively claiming much of that retailer's fee for yourself.  Credit card companies throw serious cash at marketing in order to get their cards in our pockets. For those who don't need to borrow it's possible to ride this wave of freebies to be quids in. There are two other ways to make money from credit cards.  Stoozing. This is an advanced technique where you can make serious cash. It takes advantage of the fact that many credit cards will lend you money for a short time at 0% interest. If you take that money and save it in a high interest account you'll be quids in.  Credit Card Freebies. Many credit cards offer incentives like free flights or electronic goods for you to sign up to the card. Therefore if you've a good credit score, just take advantage by signing up even if you don't want the card.  Over the last few years, the number of cards offering cashback deals to new cardholders has diminished rapidly, yet it's still possible to get a serious whack. The benchmark rate is 0.5% cashback (50p per £100 spent); any card paying more is a good contender. Which card wins depends on how much you spend on it and its acceptibility.....   Halifax/Bank of Scotland (Mastercard). Pays 1% cashback on groceries/fuel, 0.5% on everything else.  The best non-Amex cards are from Halifax and Bank of Scotland. You earn 1% on all spending on groceries and fuel, and 0.5% on any other purchases, up to a maximum of £150 per year. The cashback can only be claimed in £15 increments.   Purchases which qualify for the higher 1% have to be from specified retailers. These are... Groceries: Asda, Morrisons, Tesco, Sainsburys, Waitrose, Aldi, Lidl, Iceland, Somerfield & more. Petrol: BP, Esso, Shell, Texaco, Q8, Murco, Asda, Tesco, Morrisons, Waitrose & more.  Quick Stats: Cashback Rate. 1% on groceries/petrol. 0.5% other purchases Standard Rate: 15.9% APR Min. Salary Requirement: NONE Maximum cashback/year: £150  Slightly more complex is Barclaycard's OnePulse card, which pays 0.5%, up to a maximum of £15 a month (i.e. £3,000 monthly spend). This is guaranteed to be the cashback rate until June 2010. On top, you earn 5% cashback on all spending with Transport for London (the London tube and underground), again capped at £15 a month (12.4% APR). To get this, you need to have a good credit rating, be over 21, and earn at least £20,000 pa.  Once you set up a credit card, every time you use it you get paid. While this isn't an excuse to 'spend more' it does mean from now on...  Use the cashback for ALL normal spending, replacing cash, cheques, and other debit, credit & charge cards.  For those who have work expenses they need to reclaim, this can be a powerful way to earn more, at no cost to you, provided you can cope with paying the bill in full each month.   Yet do beware of setting up regular payments from it, or any other credit card, thoug"

"Supermarket shop in the evenings and buy up the reduced bread + meat for the freezer.  Fruit and veg and flowers are reduced as well. Buy a lottery ticket out of the savings on the shopping! "

"always keep your gift bags and make your own cards if u have a rip in your tights use nail polish"

"Hi, I work in a busy office and I hear the girls all trying to compete with each other over kids birthday parties!  When my son was 6 I was a single parent with very little cash but didnt want to let him down by not having a party.  As a theme I made it a box party, all the kids had to bring a cardboard box, as a way of entertaining them I had glittern glue and all sorts of stuff to decorate their boxes it kept them quiet for hours, then we played games with the boxes and the got to take home their decorated box at the end!! A cheap and cheerful gift instead of expensive party bags.  One of the mums told me 2 weeks on her wee boy was still playing in his box! We were a big hit and it hardly cost us a thing. So dont fork out on expersive bouncy castles or entertainers get a cardboard box! "

"Sell unwanted items on ebay, then use the cash to buy unusual birthday or other presents from ebay with your profit."

"i get a free child place holiday then split the cost with whoever i take with me! so i end up paying less!!!"

"gift bags are quite expensive these days so my family and I save money by recycling them.  We don't write the little card attached so they can be used again and again."

"me and my hubby got married 4 years ago. we had 3 kids and not alot of money so we decided to have a double wedding, my brother and his girlfriend got married with us which meant we could split the cost of things like flowers, catering, entertainment, etc. For our reception we did bring your own bottle which also made the wedding cheaper for the guests. We made all our own favours and centre pieces for the tables. My mum made all the dresses!! I still had the most wonderful day ever without getting into debt to do it."

"I look out for sales and buy one get one free deals.I also shop well in advance to avoid panic buying.I also stick to a budget and try to get the best gift I can for that amount.And I always pay with cash,I never use credit cards.The bottom line is that,you only buy what you can afford.And you can allways keep your own unwanted gifts and give them to someone. "

"we saved money in our wedding as our dj did not show we were to pay hin on the day but saved us £500 but at the last resort we had to keep the singer singing and had to pay another £300 so saved £200 but the day was fantastic"

"i quit smoking a month ago and with that extra cash i put in a tin which is going towards my holiday to america when i go to america i am visiting san francisco,los angeles and las vegas and i am going to have the time of my life so my advice to smokers to save money is to quit and what you would spend on cigarettes put in a tin that you need a tin opener to open and after a few months you will notice all the money you are saving so you to can have either a brilliant holiday or just go on a shopping spree."

"just let the burd pay for it...works for me!"

"my best tip for saving money is book your holiday well in advance look for a deal in the travel shops we did a year ago and now our holiday is up another £500 more than what we paid thanxs karen"

"KEEP KIDS ENTERTAINED. Buy a roll of lining wall paper. Get the kid to lie on it and a friend will draw their out line. Do the same for the others. Then supply pens, glitter and accesories and they will spend hours drawing and decorating their image.Then hang them up on their bed room doors."

"My best moneysaving tip is using cashback sites. I use Quidco to earn cashback. I have made over £400 from using this site by buying things I would buy anyway and getting cash back for it! "

"put cold water in bath first then hot water saves you from running away the hot water when it ends up to warm"

"I save money when i dont have a girlfriend thats about the only time i actually save my money "

"if you buy flights from an europen supplyer you can save with the price of the euro. you just need to make sure your 'return' date is actually your british going out flight and your euro 'out bound' is actually your return flight. sounds complicated but it works and ive booked my last two holidays this way! "

"bought flower girls dresses from ebay - not 2nd hand but from a proper shop! Also bridesmaid dress was from Freemans catalogue saving about £100 on the one from a bridal shop similar!! Make table plans etc yourself you can put a personal touch to them and hav achieved something! Instead of making favours or wasting money buying them, why not donate the same money to charities of your choice who will benefit from the cash"

"insted of going out on the town.  stay in with a film and a bottle of wine. hey presto, perfect saturday night!!!"

"I pasted my driving test last year and soon realised the cost of petrol so I worked out that by going a different route I save 10miles but I add 15mins on to my driving time so by doing this is am saving 20miles a day 5days a week. "

"Save money on your electricity bill put you mobiles and any other device that needs charging on a extension cable have a timer switch set to turn on to go on 2 hours before you get up and they get charged and you save energy and money total green. "

"Buy your dress in the sales or better still borrow one from a friend / relative.  I bought mine for £70.00 and sold it in the snips for £50.00  I also bought my husband an xhire kilts outfit it was cheaper than hiring one and he uses it for scotland games, new year and burns ceildghs"

"i like to enter competitions especially on clyde one i have won a few music festivals and conert tickets.  When we go i use public transport instead of a taxi"

"instead of paying for a caterer to do a buffet for birthdays weddings and other partys just get family to help by chippin in n all cooking sumthing n you can save loads of money"

"buy a nice bank that needs to be destroyed to get the money out, that way you wont open it until it's full and your paying for what you have saved for"

"i am not a very good cook but my daughter loves scones and shortbread so i learned through a friend how to bake and its a lot cheaper and srummy"

"If u txt history to 84811 you get 6 months free membership with historic scotland and get urself and the kids into the likes of edinburgh castle for cheaper."

"instead of buying expensive stationery from a card shop try going onto e bay where you can get great invitations and thank you cards for a fraction of the price."

"Share one tea bag between two. Add loadsa veg to your curry. Recycle your fruit/veg bags for your work sandwiches."

"Love a coffee on the go then pop into mcdonalds.lots of people dont realise the cup contains a royalty card and voucher .collect six get a free latte ,tea etc "

"Just trip the switch on the meter to cut off all electricity then you dont have teenagers sitting up all day and night with things on that dont need to be on"

"I have always been a saver."

"Putting my money that I would normally spend on starbucks coffees in a tin for my holidays."

"Unless your clothes are very dirty try using half the recommended amount of washing powder - works a treat! For whites add a teaspoon of bicarb. for extra whitening."

"one off the best ways to save money on wedding is to have a hot boufett in steady of a meal and then a boufett at once"

"Prescription prices are on the up from £6.85 to £7.10, yet if you regularly use one, get an annual certificate instead. Plus for other medications such as painkillers and hayfever tablets, don't buy branded goods; exactly the same medicine is available at a fraction of the cost, just without the fierce advertising campaign behind it."

"I always Remember when my mum used to hand over a wad of coupons at the checkout ,a quick search of the internet will find you plenty of the same. From printable vouchers for meals out to saving money on your washing powder , day trips and so much more scour the net for offers and you’ll save a tidy packet."

"i tend to buy on impulse and it's all rubbish which i regret buying the next day, so i freeze my money (notes) in the freezer so by the time i take the money out and it defrosts i realise i dont need or want what i took the money out for! genious"

"When you find your dream wedding dress, email all the stockists of your dress - its quite likely that one shop will have a sample of the dress that they will sell at a huge discount on a new dress ordered specifically for you."

"Since being made redundent in February, I have learned the true value of the pound. I dont just spend pennies now let alone pounds then think about it later.  If I have a £10 note that I havent accounted for then rather than waisting it, it gets put away for emergency's. I wrote down the amount of evey household bill that gets paid monthly, then debts and then others (i.e school dinners, petrol etc). Then I accounted for every penny that came into the house. I could not believe the amount I was spending on rubbish.  Using this system I am now able to track evey penny and have even now looked at a way of paying debts off with money that would normally be squandered. "

"entering competitions b4 i depart my European airport always winning accommodation in anther resort 2 a weeks holiday only pay flights and always get themcheap"

"i save money by entering competitions i've won 5 holidays in the same year and always get a free week for the next year at no cost"

"Book into your loccal college for cheap hairdressing and beauty treatments.. They a far less than your local salon will cost. "

"For Birthdays and Anneversaries, Think ahead and buy you presents in the Christmas sales. It can save you a fortune."

"Big wedding cost lots of money.  We went to the Registry Office by ourselves, and told everyone about it afterwards."

"ivr recently lost two stone and instead of going out and buying losts of new clothes i take a few items each week to an alterations shop and have them taken in at a fraction of the cost of new ones"

"register with 5pm.co.uk and try different restaurants in Glasgow & surrounding areas cheaper.  Loads of deals for food & drink.  You also get loyality points if you review them & this can earn you discount vouchers/ shopping vouchers to spend.  Worth a visit"

"A lot of my friends are turning 18 at the moment and everyones pockets seemed empty! It was coming upto my m8s birthday and we knew she really wanted a drum set.. so all of her friends (about 20 of us)chipped in between £5 and £10 and saved up the cash to surprise her with her dream drumkit =D!! Instead of spending lots of money each on something.. putting in all our pennys helped get her what she really wanted :)"

"For my parents silver wedding anniversary myself and siblings spent next to nothing by buying a cheap photo album and filling it with family photographs. Beginning with photo's of their wedding then leading onto photo's of us three kids then their 3 grandkids. We also left space at the back so that it can continue to be added too.  My parents were absolutely thrilled with it and it cost barely anything, except from time and some effort.  The best part was the time we spent as a family when we were looking through it together and laughing as we reminisced over the photographs and old memories.  I'd highly recommend doing this to anyone.  It was priceless. "

"I have to say I am a complete bargain hunter and I can honestly say that I save an absolute fortune by purchasing clothing for myself and daughter on e-bay.  A perfect example of one great bargain was a branded jacket my daughter (who is now 12 and is getting an eye for deisgner brands) was begging me to get her for ages.  I couldn't afford to buy her one from the shops as it was retailing at £50.  I found the same jacket on e-bay, brand new tags for £22 inclusive of postage.  So not only was I £28 better off, I didnt have to leave the house and my daughter was delighted on her birthday.  Ebay really does save me a huge amount of cash compared to purchasing clothing on the high street.  I would highly recommend it to anyone. "

"When I know that me and my family are going shopping or for a meal or even possibly oan a short-haul holiday I regularly check online to see if there are any discount vouchers that might save us money.  Martin Lewis' website money saving expert has loads of offers that apply to lots of different lifestyle choices."

"If going abroad change your money into currency every month so you cant spend it here, there is ususally no commission charge so wont cost you anymore in charges. "

"Hi there  If you are looking to buy anything online always go to google and type in what you are looking for eg discount avis and this will show you a list of discount codes you can enter into the retailers website and save money, I always save40% on car hire"

"I uset to pay my tv licence every week paying £5.50 per week i then found out if you pay every 3 months with direct debt its only £35.00 saveing 29 if you pay it weekly "

"Cosmetics can require a lot of money to replace. However,  there a few tips to make them last longer/be more effective. Clumping mascara - place in hot water for about a minute to melt. Store nail polishes and eye creams in the fridge. For broken lipsticks - gently melt the ends and stick together, place in fridge to reset. Add a blob of liquid foundation to your regular face cream to create tinted moisturiser. Blemish - crush a dissolving aspirin with a little water to form a paste.Apply to spot to reduce swelling/reddness and kill infection. Caught without makeup. Use vaseline to shine lips, gloss eyelids and define eyelashes (and moisturise). Also use excess on fingertips to smooth split ends."

"to save money on grocery shopping always make sure that you have something to eat before you go. when i am hungry whilst shopping i tend to buy a lot of food that doesn't actually get eaten."

"When the interest rates came down on my mortgage, I put the money that I was saving from that into an online savings account to put towards a holiday."

"Im terrible at trying to save so all my money goes 2 my mum for her to save for me haha.x"

"I would put a small bit of money from my account into a money jar each week. I would place all my spare change in it as well. The most money i would place in the jar a week would be £5-£10. I would also tell myself to not spend money on anything i don't need. When it is coming up to the holiday i smash the jar and see what i have saved. The great thing about the jar is that you have to smash it to get the money out meaning there is no way to dip into it. These tip s have worked for me and i am a broke student."

"Instead of having a whole load of family (usually that you haven't seen for ages) and friends to a full daytime receptions with expensive meals and champagne, why not have just immediate family for an intimate special meal.    Later on in the day have a big wedding party in a venue with the rest of  your family and friends, serving a quality buffet and good quality cava instead of champagne.   Most people actually don't like attending the whole day at a wedding due to the exhuberant costs of getting wedding outfits and flowers etc."

"You know how people have wedding lists? Well instead of having a list in your usual places like John Lewis and Debenhams, instead your guests donate a part of the wedding. So instead of getting you a toaster someone will get your invitations, another can get the favours, another (or a couple of guests) could get the bride's dress etc. You could set up a website in the same way as a gift list but it can be more personalised.  This would suit a couple who already live together and have already made a home together."

"www.travelzoo.com  Sign up for their weekly top 20.  Excellent holidays for a fraction of the price on offer.  Just as long as you don't mind where you go."

"Be on the lookout in your local theatre for your local amateur dramatic clubs production's. These are usually of a very high standard but at the fraction of the Price compared to professional.  For example Eastwood Park Theatre in the South Side of Glasgow's amateur thatre season runs from end of feb-apr. See a top notch show for peanuts while supporting your local theatre group! Every1's a winner :o)"

"instead of using weadol use cheap salt to kill weeds put alot on the weeds leave over night then wash them down with hot water and they wont come back for a long time and its kinder to the inviroment."

"I went on to gumtree and picked up an almost new snooker table for £5! We go to the sports bar to play alot and this will mean we can stay in and play when we cant afford to go and I can practice so that I can beat my partner who always wins!"

"when on holiday take old clothes with u as they get sun cream n oil stains on them ! when on holiday check out there clothes  desiger tops n bag there normally  a fraction of the prices here n i left all my old clothes there n came home with a new wardrob of stuff brillent ! "

"always write a shopping list and stick to it. it can stop u wasting money that can b used for other things"

"When my family and i went abroad for the first time, we took packets of noodles,packets of pasta,it saved us a fortune on meals when we went away."

"Keep an eye out for codes on websites and in magazines for free cinema visits - especially as they are often before a  film is on general release!"

"i gave up smoking and started putting the money i would spend on ciggarettes in a holiday account fund i now go on 3 holidays a year it certainly keeps me away from ciggarettes. "

"i re-envent my own outfits from old clothes to suit this seasons styles givig ng me individuality and more money."

"when we christened our son in the local church we had a 'bring your own birger and bottle' bbq party at our house, i made all the invites we spent hardly anything atall but it was the best day!"

"Queens Park Glashouse allows you to book animal handling sessions in the reptile house for free so we booked for a group of my sons friends to go on his 3rd birthday then we are having a picknick in the play area afterwords which is also free of charge, rather than paying a fortune for a kids party in a soft play or something but equally as fun for kiddies!"

"Take out a Thomas Cook credit card,use it for purchases,get pounds for spending pounds then use your pounds to buy your summer holiday with T.C. and at the same time,save on credit card charges.You could save about £200 on your holiday,evan better if your other half has a T.C. credit card aswell."

"I got paid off last year and had to find a way in saving money.  I started a shopping list so that we I went into big super-markets I knew what I was needed, rather than picking up the offers.  I found that cutting out on the extras I saved a fortune.  About £400 in 2 months."

"Hi there, I know that this may not be a huge money saving idea, bt as I am on a tight budget looking after my disabled husband and with 2 teenage daughters(wanting everything in sight every weekend), I Whites and coloureds) and with only having my machine on every 2nd day I am saving £5 per week (£20 monthly) which I can now put towards other things like taking the girls to the cinema(and also bying the sweets, juice etc from Asda before we go to save more money HaHa) and it is a wee treat which I can now do every month and it's great. Thank you. Margaret"

"When going to the cinema stock up on snacks and drinks from the supermarket or a newsagents first. You can still give yourself a nice treat at a fraction of the price. Saves a fortune especially if you have kids!"

"when i was looking for a holiday for my family last year i found out it was much cheaper searching online for flight only deals then searching hotel websites. doing this i saved £650 which was a great boost to my familys holiday spending money"

"i usually make up hampers for family and friends, collecting goodies (bargains) i find throughout the year and theme each hamper around the specific person. My daughter loved her high school musical hamper and it only cost £10 including the basket itself...and was full of lovely bits and bobs."

"When you are buying furniture, always ask if the store has any promotions that week.  Make sure you know the assistant knows that you are keen to buy and are shopping around for best prices.  They always have about 20-30% discount to play with.  I recently saved £80 as the assistant gave me 20% off when totalling it all up.  She was also able to give me free delivery.  I think that stores have that little bit of leeway which you dont get if you are ordering on line. My mobile no is 07742802901 as I am at work this week."

"When my family and I went on holiday to Lanzarote last year, we saved over £60 by not taking the package transfers from the airport to the hotel.  That saving included car hire for a week.  It was cheaper to hire a car for the week and the cost of petrol than to pay for 4 transfers from the airport.  Well worth it as we got to see parts of the island we would not have seen with just the transfers.  It also meant that we saved more money by taking the car to the waterpark instead of taxis."

"Having little ones can be expensive, especially trying to keep them amuzed over the weekend and holidays. My top tip is take them to the cinema, usually this costs well over twenty pound however each cinema runs a kids club usually on just before lunch time, each child costs £2.50 to go in and best of all adults all go free, coupled with some sweets from the local supermarket on offer instead of the cinemas own food...a great outing for you and your little one for 5 pound"

"Going to the cinema when you have a few kids can be expensive so why not make your own cinema evening at home? Get the kids to design tickets and be ushers, choose a DVD to watch and microwave popcorn, buy tickets from the kids and have them show you to your seats, switch off phones and lights and enoy the experience for a fraction of the cost."

"is to open a saving account wich require 30days,appointment to tak money out,by the time you reach your 30day,is pay day,"

"When I was pregnant I saved up for my baby stuff by taking a packed lunch to work each day, I also wrote a daily budget plan beside my to do list each day and the most effective thing I did was stopped paying for goods by card in shops and made sure I always used cash then put my change in an envelope marked new baby each day.  All of these things together definately helped me to afford all the things I needed for my little guy."

"To save money for going on a great summer holiday at the end of a hard year of work and university I used the money I had to invest in a gym membership. This made sure that I spent the spare time I had at the gym and going swimming; saving me from going to the shops at the weekends and at times where I needed my spirits lifted. Instead I would go and run or swim for an hour or two. Not only did I avoid buying expensive clothes etc. but felt good about myself and feel much fitter, especially in time for my sunshine beach holiday. I would advise everyone to do the same!! "

"Well l love chinese food and sometimes id get a takeaway twice a week. so l'd heard that if you work for a chinese takeaway delivering meals you get a free meal at the end of each shift. so l went down to my local and offered my services at the weekends and luckley they were looking for someone. not only do l now save the money each week on my chinese fix i make around £120 a weekend delivering for them. i know the weekends are important to all of us but the GB experience is on when l deliver and its fab l look forward to it each week and driving around with the bowie boy blasting in the car is a buzz."

"I was paid off from my job at the end of February but had already booked my holiday for June.  What I have been doing is checking the euro rate every day and when it goes up I have been getting some money changed instead of waiting until the week before I go and then the rate might not be as good.  I have managed to get quite a few good deals over the last couple of months. As I am presently on jobseekers allowance, this has been a good way to save for spending money. "

"Use the internet to your advantage by shopping through quidco.co.uk for cashback on purchases. Also check national and local sites for money off, voucher codes etc eg hotukdeals.co.uk, ek4me.co.uk etc"

"go round all the supermarkets and buy the bogofs saves you loads x"

"At my mother's birthday i was a bit strapped for cash so i bought a photo albumb and looked through all our old family photo's from when me and my brother were kids and made up a nice photoablbum of the three of us. Its a inexpensive but thoughful gift and she loved it."

"I saved money by entering competitions. We won £400s worth of blu-ray discs and sold them to buy a TV, won a laptop worth £1000 and a few more DVDs, boxsets, all sold to pay for 2 new computers and a media centre."

"if you have a close enough relative who stays in the states or even a friend get them to do all the booking i saved my cousin hundreds of £'s on our trip to vegas when i stayed in the states and his brother was getting married at the little white chapel in vegas"

"To save your money if you have a partner make you and him?her one and then have an extra one so that you have one, your partner has one and youve got one for extra money and agree when you or your partner takes money out your own account and the same with your extra account"

"Money off coupons that start with 99 on the barcode will scan weither or not you have purchased the item."