Ten top thrift tips

1. iTunes is so quick and easy. But watch out, 3 downloads a week mean a total cost of £125 every year.
   
2. Gym membership can cost from £400-£1,000 a year. Do you really use it? A run in the park is free!
   
3. Your morning Starbucks pick-me-up can cost over £360 a year- natural water is a cheaper and healthier option.
   
4. Shopping online is so easy- but do you really need another bargain off eBay?
   
5. Planning ahead pays off; making a sandwich at home instead of buying one from the local shop can save you over £500 a year!
   
6. Do you know someone else at work who lives near you? Why not car share - save money and the environment at the same time!
   
7. A monthly subscription to Sky can cost £500 a year. What did you do before satellite TV?
   
8. When you go shopping, do you make a list? You could save money by buying what you need, not what strikes you as being useful!
9. Trying to hit the jackpot on a weekly basis can cost you over £100 a year. How many friends can you name who’ve won more than that?
10. Libraries are free to join and local to most areas. If you buy and read two books a month, you could save over £200!

Next page - Savings planner