Make the most of offers, discounts or money-off vouchers
Cut back on luxuries such as frequent takeaways and restaurant meals
Consider downgrading non-essential packages such as telephone, television or internet
Pay your bills by direct debit if there is a discount for doing so
Compare your utility prices with other providers to make sure you are getting the best deal
Use the same provider for gas and electricity if there is a discount for doing so
Reduce energy bills by only using the heating when it is needed, using a washing line rather than tumble dryer for laundry, switching off lights and appliances when they are not needed
Walk short journeys rather than using the car
Car share with friends from work
Consider changing your car for a more efficient model