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15. Loyalty costs money: Millions of us stay with one company for our utilities just because we can’t be bothered. Shop around, go online and visit the utility comparison sites to find the cheapest, and move service provider. You could even earn some cash back by doing this though cashback sites like froggybank.co.uk.

16. Save as a bundle: Today there is a wide choice of telephone providers – find the cheapest, and don’t forget the cable firms who offer phone, TV and broadband packages. A good site for broadband suppliers is broadbandsuppliers. co.uk.

17. Cut mobile costs: How much per month are you paying your mobile phone company? Check your usage on both calls and texts – do you use them all? If not you may save money by using pay-as-you-go.

18. Pay for what you watch: How much TV do you watch? Do you really need to pay for all those movie and sports channels? Change to Freeview or Freesat – they’re free!

19. Water meter: Consider installing a water meter, especially if you have a large house with only a few occupants.

20. Go green: Make sure your home is energy efficient. You could be losing heat through uninsulated wall cavities. Save energy and money, have those cavities filled.

21. Check your insulation: Heat rises – is your loft lagged? By installing loft insulation you could save pounds on your heating bills. The thicker the insulation the greater the saving. If you are on a low income, your local authority or energy supplier may be able to help cover the cost of insulation.

22. Use efficient appliances: All new electrical appliances have the Energy Saving Logo. Make sure you buy the most efficient and you’ll see the benefit.

23. Change your light bulbs: Install energy efficient light bulbs throughout your house, they can last up to 10 times longer and will reduce your annual electricity bill.

24. Cool down: By turning your heating thermostat down 10-20 you will be surprised at how much energy you will save per year, and therefore reduce bills.

25. Stick to 40o: Wash your clothes on a 40o cycle, you’ll reduce your carbon footprint and your energy bills.

26. Be romantic: Turn-off or dim lights a few times a week and enjoy candlelight at a fraction of the cost!

27. Switch off: Don’t leave electrical appliances in standby – turn them off. You will be helping to save the planet as well as reducing your energy bills.

28. Be innovative: Save money on buying bedding for pets by using shredded paper from a shredding machine.

29. Re-use what you can: Don’t throw away old ice-cream and other plastic containers. Save them for freezing food.

30. Save paper: Keep the tissue that comes when you buy new clothes and re-use it for wrapping gifts. Or try wrapping gifts with old comics, newspapers or magazines, and then get your children to decorate them with ribbons and bows.

31. Have showers: A quick shower can save a lot of money compared to a bath. Try turning the water temperature down too as this will also save you money.

32.Use it all: Don’t throw away tubes when you think they are finished, such as toothpaste, tomato puree and the like. Cut open the tube, you will be surprised at how much is left.

33. Kettle: Only fill the kettle with the amount of water required. This saves energy and money.

34. Dryer: Instead of using a tumble dryer, dry your clothes overnight on a clothes horse.

35. Washing: When you use your washing machine make sure it is full every time – but don’t overload as repair bills can be expensive!

36.Cheap Brands: Cleaning products are expensive. You do not always need the top brand to do the job. Uses the retailers’ own brands or even try using white vinegar and newspapers to clean windows and mirrors.