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  travel
  Book Online Only. Booking online can save you time and money. Most travel operators offer discounts if you book online, as opposed to over the telephone or in a shop.
• Book off-peak and mid-week if possible. Friday, Saturday and Sunday generally attract an additional supplement. You’ll also find that hotels and flights are much cheaper during the off-season, so try booking just before or just after a major holiday season.
• Book flights well in advance. Typically, there will be cheap and expensive deals for each flight, and it is usually the case that the best bargains go on a first come, first served basis. 
• Get the best currency rates. If you are using traditional currency it is important to look for the best rates. Avoid changing currencies at airports, ferries and hotels as they are unlikely to offer the best rates.
• Try day trips. Day trips offer a unique opportunity to explore a new country, as well as providing a fantastic way to entertain the family.

Freecycle

Freecycle is like a locally-based & Free Ebay.

compare-save

Compare and Save

Easy to navigate and use, this website offers simple searching to find the best available deals on credit cards, loans, savings accounts, broadband, energy providers and insurance.

gumtree

Gumtree

Gumtree.com started back in March 2000 when a local classified ads and community site decided to connect people who were visiting the city or for people who planned to move here.

my-voucher-codes

My Voucher Codes

Pick up the very latest discount vouchers for use at gadget retailers.

money-saving-expert

Money Saving Expert

Money Saving Expert gives you the info you need to save cash.

money-magpie

Moneymagpie

Money Magpie has tips on how to earn on the side, boost your income and make the most of your dosh.

Art & Entertainment

Free Cinema Tickets

Get to see the latest movie screenings free with free movie ticket websites. However the tickets are on a first come basis and usually run out after a few days.

• Film First
• Momentum Pictures
  

Free TV Tickets

Many top TV and radio shows offer free tickets to people who want to be part of their studio audience.

• Beonscreen
• BBC TV Tickets
• ITV TV Tickets

Free DVD Rental

Online DVD rental allows movie fans to rent dvds from the internet to home via the post.

• Lovefilm Free Trial
• Blockbuster Free Trial

Sport & Leisure

Free Trial Fitness clubs

If you’re a gym junky at least take advantage of a free trial at your local gym. Fitness First and LA Fitness offer a free day at selected gyms.

Free Games

miniclip.com/games

Freeloader

Free Online Newspapers

Many mainstream magazines and newspapers now have an online presence, which you can often access for free.

The Times

guardian.co.uk

telegraph.co.uk
Free Photos Prints

Photo Box – 50 free photo prints

Free Betting Money

William Hill – new customers a free bet of £10 or £25.

Free Music Streaming

• Last FM
• MySpace Music

Money

Free Debt helpline

• National Debtline
• Debt Free Direct
• Citizens Advice

Free Cash from banks

Online banks are offering an bonus for signing up.

First Direct £100 bonus

Alliance & Leicester £100 bonus

Free Internet cards

By switching to a 0% credit card you can save yourself interest and effectively borrow for free.

Free Recipes

Tons of recipes are available online Free

• free-recipes.co.uk
• recipesforfree.co.uk

Education

Local Library

Borrow books for free, saving yourself money and shelf space.

Free Museum access

Many major museum, art gallery & exhibitions are free, paid for by the local government.

• British Museum
• National Gallery
  

Free Education

Some universities offer study materials, incluiding video lectures, notes and exams, on the internet.  In the UK material is available from the Open University while in the US the world-famous Massachusetts Institute of Technology is equally generous.

Technology

Internet Access

Browse the world wide web free of charge by logging in at one of the plethora of wi-fi hotspots. My Hotspots can help you find locations in your local area or take a look here for spots worldwide.

Free Anti Virus

Virus protection from the likes of Norton, McAfee and Symantec typically costs about £40. There are free alternatives . Microsoft offers Windows Vista users a free firewall, which should be adequate for most users. Free updates are available here. Another option is Grisoft’s AVG.

Free Mobile Gifts

Dialaphone is offering a free Wii, Ipod Touch or laptop if you take out a mobile deal with it.

Shopping

Retail Therapy

Dreams come true, get paid to shop with Retail Eyes which sends members to use a shop and report on the quality of service.

And the rest

Freecycle

Freecycle encourages members to give away unwanted junk instead of throwing it away.

Dressing Up

Big Wardrobe are for who want to swap dresses, shoes, bags or furniture.

Free Business cards

Create your own business cards at Templates 4 Cards

• Brandalley.co.uk is still one of the best-known online designer discount shops and it has goods up to 70 per cent less than the original ticket price.
• Koodos.com stocks more than 160 brands, including Prada, Chloe, Dior, and Juicy Couture with discounts of up to 80 per cent. Alternatively, rather than splurging as soon as this season’s must-buys hit the stores, wait for a month or two and it may turn up on.

Designer sales

Keep an eye on your favourite designer websites for end and mid-season sales.

• Net-a-porter.com
• Gina.com
• Tabitha.uk.com
• My-wardrobe.com

Designer vouchers

Fashion magazines have long been publishing discount vouchers for high street stores. But the habit has moved online and there are more voucher websites than you can shake a Gucci bag at:

• Myvouchercodes.co.uk
• Vouchercodes.com
• Moneysupermarket.com
  

Swap it

Label-lovers can swap items they are bored with for new pieces via websites such as

• Whatsmineisyours.com
• Swapaholix.co.uk
• Swishing.org
  

Sample sales

You need to have your wits about you if you’d like to track down a designer sample sale as they are often advertised only days in advance.

• Samplesaleslondon.co.uk
• Designersales.co.uk
• Stylebible.com
  

Go vintage

Sales of vintage clothing have boomed in recent years, but it’s still an affordable way to buy designer.

• Absolutevintage.co.uk
• Marthascloset.co.uk

eBay

eBay – make sure you study pictures of those labels – there are a lot of fakes out there.

Charity shops online

• Oxfam
• The British Red Cross

Government bonds Online (Gilts)

Gilts involve lending money to the Government. This is generally seen as a safe investment option as the Government is unlikely to be unable to pay your money back.

Index-linked savings certificates

Another offering from National Savings & Investments, these are effectively 3 or 5 year bonds paying interest of a full percentage point above the retail prices index. All returns are tax-free and are guaranteed by the UK Treasury.

Zopa.com

Zopa.com is a popular peer-to-peer lending website puts people with money to invest in touch with borrowers who need a personal loan.

As a lender, the interest rate that you obtain on your cash varies depending on the category of borrower you lend to – A* being the lowest risk, offering the lowest returns, and Y offering the highest returns – and whether you lend for three or five years. The longer you are prepared to lock away your money, the higher the return, ranging from an average of 7 per cent for the lowest-risk three-year loan to as much as 12 per cent for high-risk five-year loans.

Corporate bonds

Corporate bonds offer the most attractive risk/reward characteristics of any asset class, however investors should remember that corporate bonds are much riskier than cash, due to the possibility of companies going bust and defaulting on payments.

nethouseprices.com

net house prices

thinkproperty.com

think-property

thisishouseprices.co.uk

this is house prices

2. Pay off your debts. It’s always wise to pay off any personal loan or credit card debts before you start saving, however, you may incur an early redemption charge when paying off a personal loan so it’s worth checking first. The cost of interest on debts is usually much higher than the interest you’ll earn on any savings.

3. Cash ISA. They work just like a normal savings account, but the interest you earn is tax-free. You can save up to £3,600 each year in a Cash ISA.

4. Switch your low interest Cash ISA. Transfer it into a higher paying Cash ISA without loosing your tax-free allowance.

5. Regular Savings account. Regular savings accounts typically pay higher rates of interest than standard savings accounts. You can make regular payments into your regular savings account from a current account. Most regular savings accounts let you save up to £300 per month, so they if you have a lump sum to save then they may not be as suitable as a fixed rate bond, notice account or internet savings accounts.

6. Fixed rate bond. If you’re happy to tie your money up for a set period of time, you can earn higher rates of interest on a fixed rate savings bond.

7. Don’t forget notice accounts. If you’re happy to tie your money up in a 90, or 180 day notice account, you can earn higher rates of interest.

8. Internet savings accounts are currently paying higher rates of interest because Financial Institutions don’t have to pay for staff or branches to manage these forms of savings accounts.

1. Look for cheaper services. Use comparison services to get the cheapest deals on mobile phones, utility bills & credit cards etc to save money.

2. Best student bank account. Choosing the right student bank account is vital. Get the best interest-free overdrafts, credit card limits, credit interest and unauthorized overdraft charges.

3. Student loan. The Government based Student Loans Company loans offer the cheapest long term loans you’ll ever. You don’t have to repay anything until after graduation and the amount you have to pay back is linked to how much you earn.

4.Use Cash. Studies have shown that paying with cash has a greater psychological impact and makes you think twice about what you’re spending your money on. Studies have also shown that people tend to spend whatever’s in their wallet, so taking out less cash from the cash point than you usually do could help stop you wasting money.

5. Get a Grant or a Scholarship. Go to Scholarship search and Educational Grants Advisory Service websites.

6. Budget. You need to sit down and set yourself a budget.

7. Make extra money. Getting a part time job or selling products

8. Being frugal Identify all the money you waste on things you don’t need – magazines, takeaways, cigarettes and alcohol etc.

9. Get a NUS student card. The NUS card available for students giving you access to a wide range of student discounts, deals and offers from high street companies

Tips to make money online

Freelance workers online sell their service ranging from web designing to writing articles. You can advertise your services or bid on projects.

• freelanceuk.com
• freelancer.co.uk
• elance
  

Trader online

You could make a profit buying / selling products on auction sites like eBay.co.uk

Online Teacher

You can became an online teacher on subjects like english or maths.  As expected you must be qualified in the subject that you are teaching.

learndirect-advice

Online Mystery shopping

Mystery shopper pose as normal customers performing basic tasks and then provide feedback about their experiences. You can earn more than £10 for each shop you visit and also have food paid for for you and a friend as long as you write a report on the experience afterwards.

• GFK Mystery shopping
• Marketchecker.co.uk
• retaileyes.co.uk

Make your opinion pay online

You can make quite a bit of cash from filling in surveys for people, or being interviewed face to face. Some of the quicker online surveys pay just £1 while being part of a focus group can get you up to £50. And if you have specialist knowledge you can get as much as £150 for a face-to-face interview.

Saros Research

Medical trials Online

Medical trials can be anything from answering questions to testing and tasting food. Of course, you get paid more for the higher-risk stuff, but you are fully informed about what is about to be done to you before they start. Pay is anything up to £100 a day for every day you are involved in treatment.

More information on Medical trials Online

Check what you’re eligible for

A rather useful little site Entitledto.co.uk does the work for you. It has a regularly updated calculator that works everything out in one go, whether you’re 22 or 72. It’s very simple to use, just input basic details about your personal situation, such as income, council tax bill, and your savings and it reveals what, if any, benefits you’re entitled to.

Check out the Citizens Advice Bureau for a one-on-one detailed benefits check up.

The calculator includes all the main benefits:

• Working Tax Credit
• Council Tax
• Housing Benefit
• Pension Credit
• Child Benefit
• Child Trust Fund
• Child Tax Credit