Saving money doesn't always have to be a chore. And now and again it can be fun - and fulfilling. It's easier than you might think to make everyday savings that can quickly mount up. So once you've got your budget sorted, there are some quick ways to be a smarter saver by being a smarter spender:
1 Check to see if some of the companies you deal with offer discounted rates when you pay by standing order.
2 If you're switching suppliers or looking for a new deal, look out for short-term bonuses and incentives - and make sure you know when these run out so you can check you're getting the best deal.
3 Compare quotes for car, home and travel insurance to make sure you're not paying over the odds.
4 Check out our great everyday practical tips that could save you hundreds of Dirhams.
5 Book yourself in for a free financial Health Check here at Lloyds TSB. It's easy to arrange a confidential, one-to-one session with an advisor at your local branch.