72. Go local: Cancel your expensive gym membership and try your local council’s leisure centre, they are usually fully equipped and a fraction of the cost.

73. Do you need a second or third TV?: Consider using your PC or laptop instead. Once BBC programmes have been broadcast you can watch them on BBC iPlayer.

74. Don’t pay full price for cinema tickets. Multiplex chains Vue, Odeon and Cineworld offer cheap weekend family deals .

75. 2 for 1: Try eating at restaurants during off-peak hours. Many restaurants offer 2-for-1, or even a free glass of wine.

76. Off Peak: Travel at off-peak times and pay lower fares on trains and buses.

77. Holiday savings: During holidays search for free or inexpensive events for the family.

78. Book early: Book plane tickets well in advance. Shop around for the best deals for accommodation. Try hostels and bed and breakfasts, or self-catering instead of expensive hotels.

79. Use libraries: Make use of your local library and save a small fortune. Most libraries now stock a good range of magazines, CDs and DVDs as well as books.

80. Stop smoking: You could save thousands a year.

81. Spend and share: If you are football crazy and must buy a season ticket, try and split the cost with friends or relatives. They can go to the midweek games that you never attend.

82. Have a clear out: Have a clear out and make money by selling unwanted gifts, clothes and accessories on eBay.

83. Do you need a slimming club?: Don’t pay weekly registration fees at slimming clubs. Start your own with friends, neighbours and relatives.

84. Use your head: Cut your own hair, shave your head or grow your hair – all of these will save you money. If you have to use a hairdresser, keep an eye out for special rates.

85. Use IT: If you live a long way from friends and family, save money on stamps by sending a weekly group email.

86. Don’t gamble: Resist all forms of gambling.

87. Become teetotal: Cut down on your alcohol intake or, if you can’t, buyer cheaper brands.

88. Spread the cost: Cut the cost of buying books, magazines and newspapers. Start a reading club with friends and family.

89. Stay in: Almost every activity at home is less expensive than going out. Invite friends over and get everyone to bring their food and drink. Play cards, board games or just talk.

90. Start brewing: Make your own beer or wine.

91.Take your own: Look for restaurants where you can bring your own bottle. It will save you a small fortune.