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6. Don't pay too much for life cover

subscription, club memberships and other non essential bills would kick start your money saving plan.

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Cancelling payments to a gym, dental plan, magazine Skechers High Cut Shoes For Girls

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and 15 per cent equity, you could switch and take advantage of a five year fixed rate from The Co operative Bank at 3.79 per cent with no product fee. Based on a 20 year mortgage term left to run, you could cut your monthly repayments by 57.

2. Ditch and switch those expensive card balances

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If you're 500 overdrawn for at least three weeks of every month, you could end up paying 20 per month in charges.

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average standard variable rate at 4.86 per cent, if you've got a 100,000 mortgage Vans For Girls Floral

With a rate for life card from MBNA, you can transfer some of your credit limit into your bank account to repay an overdraft.

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If you have life insurance that you took some years ago, there's a good chance that you could reduce your premiums by taking out a policy from the likes of online brokers cavendishonline.

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By switching to a 0 per cent balance transfer card and transferring your balances, you could save a fortune in interest payments.

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With the interest rate of 5.9 per cent APR for as long as it takes to clear the debt, by paying 20 per month to the card, you'll have wiped out your debt in 27 months.

Don't leave appliances on standby and turn the thermostat down a notch. Every degree lower can save you 50 or more per year. If your heating is on a timer, set it to come on 10 minutes later and go off 10 minutes earlier.

Take control of your money in 2013

Go to the supermarket just once each week. Also, don't forget to use your food in the freezer.

3. Move to an ultra low fixed rate mortgage deal

5. Loyalty doesn't pay with insurance

Compare quotes when your renewal comes in Mbt Ladies Footwear and move if you can get the same cover cheaper.

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4. Clear overdrafts

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Save energy

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