Saving money does not have to be about complicated pensions, savings accounts or investments – for many savers some simple easy steps to spend less can make a difference.
Cutting back is all about self-discipline and learning how to say no sometimes when you are tempted to buy those little luxuries because why shouldn’t you deserve a little treat now and again.
The truth is you should not suffer guilt for spending a little on yourself, after all you work hard and why shouldn’t you.
The problem is all that cash that is frittered away.
So how can you make some small changes that will have a big effect on your savings?