1. Pay yourself first by saving before spending: This approach involves putting aside a portion of your income into savings before spending on any other expenses. By prioritizing saving, you are less likely to spend money on unnecessary expenses, helping you to save more money over time. 

2. Avoid paying interest on debt by transferring it to a 0% balance credit card: By transferring your existing credit card debt to a 0% balance credit card, you can avoid paying interest on that debt for a set period of time, allowing you to pay off the balance without accruing additional interest charges. 

3. Spend mindfully by using cash, money-management apps, prepaid cards or day-to-day spending accounts: By keeping track of your spending using cash, money-management apps, prepaid cards, or day-to-day spending accounts, you can better manage your budget and avoid overspending. 

4. Keep switching to better deals for regular outgoings: By regularly reviewing your regular outgoings, such as utilities or insurance bills, and switching to better deals, you can save money on these expenses over time. 

5. Check your workplace benefits for discounts on gyms, cinemas, stores, etc.: Many workplaces offer discounts on gyms, cinemas, stores, and other services as part of their benefits package. By taking advantage of these discounts, you can save money on these expenses. 

6. Remortgage when your deal ends to save thousands a year: Remortgaging can allow you to secure a lower interest rate, potentially saving you thousands of pounds each year on your mortgage repayments. 

7. Trace lost accounts and pensions with My Lost Account or the Pension Tracing Service: By tracing lost accounts and pensions with services like My Lost Account or the Pension Tracing Service, you can potentially recover lost funds and boost your savings. 

8. Avoid impulse buying and splurging on payday deals: By avoiding impulse buying and splurging on payday deals, you can stick to your budget and avoid overspending on unnecessary expenses. 

9. Cut back on unnecessary subscriptions and memberships: By cutting back on unnecessary subscriptions and memberships, you can save money on monthly fees and redirect those funds toward your savings or other financial goals. 

10. Buy own-brand products instead of branded ones to save money: Buying own-brand products instead of branded ones can help you save money on your grocery bill without sacrificing quality, allowing you to stretch your budget further.