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 Save on your weekly shop Check out your weekly shopping needs, try looking for the special offers, 2 for 1 or buy one get one free, it sometimes feels like your spending more money but you will save in the long run. You could also try supermarket own ranges rather than the brands, sometime at much as 50% can be saved off one item. And don't forget the money-saving voucher codes for reducing your bills online.

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So, taking the same flexible attitudes lets look at something we can do to stay current with the best deals and best prices.

Compare the utility companies It's easy to compare your gas, electricity, phone, broadband and TV on typical sites such as USwitch, or MoneySupermarket.com. Just paying by direct debit can reduce you bill, a typical saving on dual fuel for an average user can be 200 per year. Going for a combined phone, broadband and TV package could save you up to 50% or more.

Having a good handle on these three elements will help you when creating your budget. Successful budgets that work for people work best when the person is honest. Don't set yourself up for failure by neglecting to add expenses. It will just cause you stress and problems later on.

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