Exclusive Comp: Win a state of the art Samsung Galaxy S II phone worth £469

*This competition is now closed*
Tesco are  currently celebrating the launch of Tesco Mobile’s new Capped contracts, an innovative new way to help families manage their monthly mobile spend.
 
Take a look at the new advert showcasing this: http://www.youtube.com/tescomobile

These tariffs allow full control of spending and so take away any worries about unexpected
bill surprises, really important where children or those with their very first phone are concerned!

Capped tariffs ensure your monthly bill is never more than the cost of yourtariff

• This is done by fixing your tariff so you can only use your inclusive minutes, texts and data
• The ability to top-up your account with a Pay as you go top-up, if you run out during the month
• The choice of Capping any contract on any phone across their whole range – a unique offer in the mobile market

I think this is such a brilliant idea don’t you?

Competition

Tesco wanted me to pass the message onto my lovely readers by offering one of them the chance to win

a state of the art Samsung Galaxy S II phone from the baby budgeting blog.

samsung sii2You can check out the phone here at The Tesco phone shop  but basically it is super sleek, slim and powerful and hass great battery life, sound and picture clarity. It really does look AMAZING!

Easy to win too. All you have to do is answer this question in the comments below.

What money saving tip wouild you pass down to your child ?

Obviusly haelping our kids to be budget smart will make the quality of their lives much better. I am really keen to know how you will help them. capped contracts are a good start but what would you do?
T&C’s
Winner picked at random on 26/10.
UK entries only please. Babybudgeting’s decision is final
Good luck everybody!


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911 Comments

  1. October 19, 2011 / 7:28 am

    My tip will be to always cook from scratch as it is a lot tastier and more money can be saved.

  2. October 19, 2011 / 7:51 am

    What a great comp! So many things I’d warn them about but I think the main thing would be to never ever get credit or store cards. You can spiral out of control so easily.

  3. John
    October 19, 2011 / 8:06 am

    Before going shopping make s list if what you actually need, avoid special offers on items you don’t require, use money saving vouchers for thing you need and don’t assume Multibuy packs will save you money check out the same product as a single item and price compare

  4. October 19, 2011 / 8:14 am

    Oooh great prize! Meal planning carefully. Saves time, money and wondering what’s fir tea!

  5. Danielle baker
    October 19, 2011 / 8:15 am

    Ooooh , what an exciting competition!!

    I think that it’s really important to teach children the value of money and how to save it successfully.
    We are not a well-off family , by any measure and I think that some of my values have already been passed down to my 4 year old – she realises that treats of big toys and days out to theme parks cost lots of money and need to be saved for.
    Over the summer holidays she completed some simple chores (packing away toys etc) and was given pocket money which she saved for a trip to Toys R Us!!

    If I had to pass one money saving tip down to my children , it would be to only buy what you can afford!
    If you want something expensive you have to work hard to earn the money to pay for it.
    We don’t have credit cards etc for that very reason , if we can’t afford it – we don’t buy it!!!!

    Good Luck to everyone who enters this competition – it really is an awesome prize!
    I’ve also RT’d the message on Twitter (I’m @TheDizzyMama) to spread the news of this wonderful competition!
    XxxX

  6. The Mad House
    October 19, 2011 / 8:23 am

    Mine is be provident, always look to the future

  7. Emily McMillan
    October 19, 2011 / 8:40 am

    My mum taught me how to make a few really basic things, white sauce, bolognese sauce, scones, cakes, roast… and more! Ok more than a few… but her showing that these things can be cooked easily from scratch has meant as a mum myself I am now doing the same. I may not be as good a cook as her but I’m going to teach Imogen all the same things as it’s a great money saver when you’re older (and tastier too!!)

    Thanks! Emily xx

  8. Amanda
    October 19, 2011 / 8:40 am

    I would love my children to save for what they want, rather than using credit. They woul grow to appreicate the things they have.
    Nice vompeition, thanks.

  9. October 19, 2011 / 9:40 am

    My best money saving tip would be to never have a credit card: in the long run, though mine helped me out short term, it cost me thousands to pay back.

  10. October 19, 2011 / 9:46 am

    The best advice I could give would be to save. Save for something you really want or save for a rainy day. Saving allowed me to take extended maternity leave and spending time with my children has been priceless.

  11. October 19, 2011 / 10:48 am

    Always save some money each week, even if it’s only a few pounds, you never know when you might need it.

  12. October 19, 2011 / 10:50 am

    My favourite money-saving tip for kids to enjoy is to join the library!

    We need to join our local one as I miss our old library since we moved. Kids can have a continuous supply of ‘new’ books to borrow and read for free!

    Fab competition, thanks so much and good luck everyone!

  13. Oliver L
    October 19, 2011 / 1:12 pm

    Encourage them to check out the competition in shops, don’t just go for the first item you see, and check out deals, get them to keep their receipts and scrutinize where they are spending the most money. If they do this at a young age then they will learn how to keep the pennies saved and pounds gained!

  14. Elizabeth Williams
    October 19, 2011 / 1:17 pm

    To shop around to get the best deal

  15. Vic
    October 19, 2011 / 1:29 pm

    That addiction will always cost you money – avoid it if you can. It’s probably a good job I don’t have girls cos I’m totally talking about my shoe addiction!

  16. katie corr
    October 19, 2011 / 2:15 pm

    id teach them to have a rainy day fund because you never know what will happen.also teaching them responsibilities.not blowing the whole amount on sweets!squirreling money away is the best way

  17. Nicola
    October 19, 2011 / 2:19 pm

    It’s not exactly a money saving tip, but I’m going to teach my little girl only to spend what she’s got – not to rely on credit/store cards. They only help if you are organised and can pay them off in full on time and it’s too easy to make a mistake and be landed with huge charges!

  18. kirsty salisbury
    October 19, 2011 / 2:20 pm

    Look after the pennies and the pounds will look after themselfs!

  19. Mum2babyinsomniac
    October 19, 2011 / 5:07 pm

    To never go shopping when hungry and to walk around the supermarket twice – the second time round makes you think twice and put any impulse buys back!

  20. Nigel Temple
    October 19, 2011 / 5:09 pm

    buy only what you need.

  21. sue masterson
    October 19, 2011 / 5:14 pm

    Only buy anything that is reduced in sales etc- if you really really need it – think of what you are spending and not what you are saving.

  22. daniel
    October 19, 2011 / 5:16 pm

    If you decide / see something in a shop that you really can’t be without, DON’T buy it!

    Wait until you get home, not only will it probably be a lot cheaper online, but you may decide you don’t actually need it!

    x

  23. Jane Adair
    October 19, 2011 / 5:16 pm

    My money saving tip would be don’t spend any money you haven’t got in your hand!

  24. Luisa L
    October 19, 2011 / 5:17 pm

    To open their own bank account as early as possible and to save some of their pocket money and watch their money grow. I would teach them about swapping money around to get better interest rates too when they are old enough to understand.

  25. Jackie Jackson
    October 19, 2011 / 5:19 pm

    My favourite money saving tip is to make your own baby food. Boiling a potatoe and a parsnip doesnt really take that much time, mash them with with a fork or old fashioned masher, and save a fortune on those little jars.

  26. Kieran
    October 19, 2011 / 5:19 pm

    Shop around for the cheapest deals.

  27. CAROLINE DAVISON
    October 19, 2011 / 5:20 pm

    I would say check your bank balance every day as this has helped me to budget and something I never used to do and then I would spend like mad. It would also be a good to save money each month for unexpected purchases or to save for what you want rather than use credit.

  28. Claire
    October 19, 2011 / 5:21 pm

    Never to be embarressed about using vouchers or money off coupons, every little helps.

  29. Rhonda
    October 19, 2011 / 5:21 pm

    Save your change in a jar, it’s amazing how much you can accumulate throughout the year.

  30. Zoe
    October 19, 2011 / 5:22 pm

    Always eat before you go shopping and then stick to your list.. will save £’s at the till and lbs on your hips x

  31. Tracy Nixon
    October 19, 2011 / 5:23 pm

    Do I really need it?

    Always ask yourself do I really need it and do I need it now? If the answer is NO, it can wait until another day!

  32. Alan Watson
    October 19, 2011 / 5:23 pm

    Don’t live beyond your means – if you haven’t got it, don’t spend it.

  33. andrea miles
    October 19, 2011 / 5:24 pm

    own brands are often as good as or better than designer names

  34. LeeOnna Sanchez
    October 19, 2011 / 5:24 pm

    My biggest advice is the same my mother warned me about. Avoid getting into credit cards and charge cards as trouble comes with this. Also, coupons are great little things and so is making your meals rather than buying them frozen. Save money, even if it’s only $5 a week as it adds up fast and place it in an IRA account for a rainy day or for emergencies only.

    Also, generic brands and off brands are just as good as the expensive name brands. The same pair of jeans that you want for $60 can be found somewhere else for half if not more less and are in just as amazing shape and look identical.

  35. Louise Smith
    October 19, 2011 / 5:24 pm

    Only buy what you can afford and NEVER get a credit card

  36. Robyn Clarke
    October 19, 2011 / 5:25 pm

    Don’t be afraid of second hand goods, they do the same job at a fraction of the price.

  37. Rachel Murray
    October 19, 2011 / 5:28 pm

    This is something that was drilled into my dads head and my dad then drilled into mine (My grandad still continues to tell me and my dad lol bless him)

    If you want something, SAVE UP for it. DON’T do Higher Purchases, don’t get loans and credit cards etc.
    You will risk getting yourself into debt and paying off more than you originally wanted.

    I’m 27 years of age and I haven’t got a debt in my name. I got in debt when I was about 18 thinking I could handle it and I was only a few hundred in debt but it was horrible, I’ve been debt free for yonks 🙂 If I was to build up my credit rate, I would get a credit card, and spend money that I could put in the day after etc.

    I’m currently saving for my next car and the years insurance.

    This keeps you out of debt, saving money in the long run and you have less stress about the next months bills coming through 🙂

    Best advice I ever had 😀

  38. jason wills
    October 19, 2011 / 5:28 pm

    mine would be when your child hears the tune of the ice cream van and wants an ice cream.tell them when the van plays a tune it means they have run out of ice cream!

  39. John Forbes
    October 19, 2011 / 5:29 pm

    My tip is to always check prices before you buy and don’t rush into to it as chances are its cheaper in the next shop.( In fact I am already showing the oldest this and she’s 8.)

  40. BEST
    October 19, 2011 / 5:29 pm

    No one can anticipate all of the situations that present themselves in life, so common sense becomes the go-to guy when difficult and unfamiliar challenges are upon us. Assuming you possess this gift, two ways exist for passing it to your progeny—first, by employing common sense in everything you do, and second, by engaging in common-sense discussions at home.

  41. Denise Sansum
    October 19, 2011 / 5:31 pm

    Never use a credit card, if you can’t afford it – you can’t have it. Save before you buy

  42. Megan Bayford
    October 19, 2011 / 5:32 pm

    Never buy name brands – it’s pointless!

  43. Neil Molyneux
    October 19, 2011 / 5:34 pm

    If you are going to buy toys or comics keep them in good condition as they might be worth something in the future.

  44. a malon
    October 19, 2011 / 5:38 pm

    save every penny up, it will all add up! i have piggy banks for my children and get them to do this and every month or two they end up having a good bit of money to spend on a treat…all from pennies! i think it is a great way to teach them to save!

  45. October 19, 2011 / 5:38 pm

    I used to want to spend my pocket money straight away as soon as I got it but I was told to save it up and then I could get something better in time! Taught me both how to sae and to be patient 🙂

  46. Ann Gwillim
    October 19, 2011 / 5:39 pm

    Little & often , acorns grow into large oak trees

  47. stuart tanner
    October 19, 2011 / 5:40 pm

    Never borrow what you know you cant pay back!

  48. t ryder
    October 19, 2011 / 5:47 pm

    I would tell my kids to always save a little forr a rainy day, and never go in to debt

  49. Sue Edmondson
    October 19, 2011 / 5:48 pm

    Shop wisely as a penny saved is a penny earned

  50. Glenn
    October 19, 2011 / 5:49 pm

    My money saving tip for my daughter was for her to do a clothes exchange with her friends, which they all agreed they had a vast amount of, and only seemed to use maybe 5-10% of it.

    Have a get together and do a clothes exchange for the things they did not like / want or even wear.

    They were all very happy with their ‘new’ clothes, and still perform this trick today, saving an absolute fortune ;0)

  51. STUART HARGREAVES
    October 19, 2011 / 5:49 pm

    ALWAYS PUT MONEY TO SAVE EACH WEEK AND ONLY USE THAT IT AN EMERGENCY

  52. Jay
    October 19, 2011 / 5:52 pm

    Only ever make an impulse purchase if you have the cash there and then to pay for it. Credit cards should only be used for planned purchases, or emergencies!

  53. Arun
    October 19, 2011 / 5:52 pm

    My tip is ‘If in doubt, just say no!’ which can apply to anything, store cards, loans, drugs.
    I hope if I say it enough they might just listen to me. 🙂

  54. LEIGH
    October 19, 2011 / 5:53 pm

    Golden rule – don’t spend it if you haven’t got it

  55. tony
    October 19, 2011 / 5:54 pm

    always think before any purchase “do I really need this item? will I still be using it/happy with it in few weeks time?” if the answer is no, then think about it carefully over the next 24 hours.

  56. Brenda Corr
    October 19, 2011 / 5:56 pm

    id teach them to have a rainy day fund because you never know what will happen.also teaching them responsibilities.not blowing the whole amount on sweets!squirreling money away is the best way

  57. Natty
    October 19, 2011 / 5:56 pm

    Reuse teabags little johnny

  58. Gavin
    October 19, 2011 / 5:56 pm

    Always haggle. If you don’t ask, you don’t get.

  59. JULIE
    October 19, 2011 / 5:56 pm

    If you haven’t got the money in your hand to pay for it, don’t buy it.

  60. October 19, 2011 / 5:58 pm

    I would say to my children that if they want something expensive then it has to be saved for. If it takes you a few months to save for something, you may find that the initial desire has worn off.
    Stops rash purchasing and also encourages saving money!

  61. Marian Torbitt
    October 19, 2011 / 5:59 pm

    Keep a record of every single penny you spend for at least one month – they’ll learn a lot, works for all ages as well!

  62. Ian
    October 19, 2011 / 6:01 pm

    Stay hungry, stay foolish… no wait, that’s not it. Switch energy suppliers. Apparently not enough of us do it…

  63. Sue Attridge
    October 19, 2011 / 6:03 pm

    If you ever have money problems always look to the family first,we will not judge and would try to bat on your side.

  64. Linda Bnning
    October 19, 2011 / 6:03 pm

    You can’t buy true happiness, but your spending will make the rich richer.

  65. Nadia Mitab
    October 19, 2011 / 6:09 pm

    Save the pennies because they make pounds and eat home made meals much cheaper than take out

  66. October 19, 2011 / 6:11 pm

    Make homemade meals and freeze them, saves a fortune! Always have savings as a ‘just incase’ precaution

  67. Alison Smith
    October 19, 2011 / 6:11 pm

    Save up for what you want rather than borrow

  68. Karen Bennett
    October 19, 2011 / 6:13 pm

    I would advise my kids to enter competitions! 😉

    Also – If they want something – wait for the sales

  69. Margaret Dunlop
    October 19, 2011 / 6:14 pm

    Use price comparison ites

  70. Hayley Bolt
    October 19, 2011 / 6:14 pm

    I would teach them the value of money and ensure they save up for things they want – never use credit cards or store cards etc. This will make them feel as though they have achieved something when they gave saved enough and also keep them out of debt.

  71. michelle t
    October 19, 2011 / 6:21 pm

    be organised, budget, and spend what you need and save the rest

  72. nicky
    October 19, 2011 / 6:21 pm

    Build up a pot of savings, then if you need to you can borrow from your pot. The interest rates are much better that way!

  73. sabrina
    October 19, 2011 / 6:21 pm

    I would teach them to keep a reserve fund because you never know whats going to happen.

  74. kirsty
    October 19, 2011 / 6:26 pm

    always Look after the pennies and the pounds will look after themselves xx

  75. dorit vaknine
    October 19, 2011 / 6:26 pm

    my tip is.. to only buy things if you really need them

  76. October 19, 2011 / 6:27 pm

    I will teach my children to be able to cook with all sorts of ingredients which will mean they can make a meal out of whatever they have in the cupboard and save money on shopping and takeaways I hope….

  77. Tracey
    October 19, 2011 / 6:31 pm

    Never go food shopping on an empty tummy you always spend more!

  78. October 19, 2011 / 6:32 pm

    I would tell them to be careful about what they spend their money on and to also look around for the best deals/prices before making a purchase particularly if expensive.

    Thanks for the fantastic competition!

  79. Siobhán
    October 19, 2011 / 6:33 pm

    I would say to save something every week – even if only £1, just something each week.

  80. Sarah D
    October 19, 2011 / 6:33 pm

    i tell my son to give his pocket to me to save for him. I keep it in a jar and hide it until hes saved enough for whatever he wants, that way he’s not tempted to spend it!

  81. Amelia Kennedy
    October 19, 2011 / 6:36 pm

    Budget carefully for your groceries and shop online so you don’t over-spend!

  82. Lucas Stolarczyk
    October 19, 2011 / 6:40 pm

    Never spend money do don’t owe.

  83. Rich J
    October 19, 2011 / 6:40 pm

    DON’T HAVE CHILDREN! 🙂

  84. RichardJ
    October 19, 2011 / 6:40 pm

    Buy low, sell high !!

  85. JO JONES
    October 19, 2011 / 6:44 pm

    My money saving tip is to teach children the difference between ‘want’ and ‘need’ and once they understand this to learn to save (with the best interest account) to purchase the needs. Understanding how putting their savings into an account will help them grow quicker when the interest is added to their savings encourages them to learn to save all their life.

  86. vicky carter
    October 19, 2011 / 6:46 pm

    My tip.. is shop around, there’s always a cheaper deal to be found elsewhere!

  87. Jo Ravenscroft
    October 19, 2011 / 6:47 pm

    My tip would be, premium items are a want and not a need. Never pay for anything on finance or credit. Always look after your money and save your pennies! It’s better to not have a want and have a stress free mind, or debt free burden! x

  88. Hazel Wright
    October 19, 2011 / 6:48 pm

    Don’t waste money, watch every penny and then when you want to splash out on something really special you’ll be able to.

  89. Stephen Mears
    October 19, 2011 / 6:49 pm

    Drive slower because you’ll save money on fuel and be safer.

  90. Kevin Roberts
    October 19, 2011 / 6:51 pm

    Spend you parents money not your own.

  91. Jo Young
    October 19, 2011 / 6:51 pm

    I would tell them to only buy what you can afford and save up for those special things!

  92. James
    October 19, 2011 / 6:52 pm

    Don’t have children.

  93. Valerie Hartley
    October 19, 2011 / 6:54 pm

    Look after the pennies & the pounds will look after themselves.

  94. kendra Florence
    October 19, 2011 / 6:58 pm

    Use money off vouchers when shopping and always take a list

  95. Daniel Ankers
    October 19, 2011 / 7:00 pm

    Buy reduced food and freeze it, then use it as you require. It’s a lot cheaper than paying full price.

  96. Janet
    October 19, 2011 / 7:00 pm

    My money saving tip that I have already passed on to my children is always sleep before you make any purchases. In other words don’t go buying anything on impulse after window shopping – whether it’s a dress, new shoes or new curtains. By the next day you may find that you really don’t want what appealed yesterday

  97. Rachel Bramley
    October 19, 2011 / 7:03 pm

    You can find a use for anything.

  98. Anne T
    October 19, 2011 / 7:03 pm

    Don’t use credit cards, and try and save at least 10% of your income (even your pocket money!).

    All advertising is trying to do is make you buy things which you don’t need and will not make you happy.

  99. Tracy
    October 19, 2011 / 7:04 pm

    Home Made foods/meals will always work out cheaper than ready made meals or take-aways, EVEN if that sometimes means making a few at once and freezing them – plus you can always guarantee what goes into your own foods and that’s priceless!

  100. Aiden Jones
    October 19, 2011 / 7:05 pm

    Budget, save before spending.

  101. Marina Jones
    October 19, 2011 / 7:05 pm

    Check Money Saving Expert every week!!!!

  102. Stephen Hill
    October 19, 2011 / 7:08 pm

    Never use the internet when roaming and don,t have kids lol

  103. David Sweet
    October 19, 2011 / 7:10 pm

    Buy what you need rather than what you want.

  104. estelle
    October 19, 2011 / 7:12 pm

    My tip is to always have a monthly budget for EVERYTHING, from clothes to food, hobbies to gifts- make a note of everything you spend, even down to that last fizzy drink or smoothie, then you can tote it up along the way and you will then see (a) how much different things cost you and where you need to make savings (b) you will also know when your budget is running out for certain things each month and you will be able to budget more carefully in future. It’s helped me in hard times and will hopefully help my children.

  105. rebecca smith
    October 19, 2011 / 7:14 pm

    never go shopping when your hungrey you will just buy junk lol

  106. Joanne
    October 19, 2011 / 7:14 pm

    i have always taught mine to wait before spending their money, for example when they have their christmas money i always make them consider very carefully what they want to spend it on, when they are sure, we then research together where they can get it the cheapest, then the money that is left over they put into their savings account, sometimes they have even decided that they don’t want an item after all!

  107. Cheryl Holness
    October 19, 2011 / 7:15 pm

    How to make a meal for under £1 at the end of the month when the money’s run out.

  108. Alice Matthews
    October 19, 2011 / 7:15 pm

    To live within your means and put aside something regularly for rainy days. To check what you already have before buying anything and then check where you can get it cheapest.

  109. Mary Marshall
    October 19, 2011 / 7:17 pm

    Dont buy what you can’t afford

  110. douglas millard
    October 19, 2011 / 7:18 pm

    My tip would be to ask ”is it a ‘want’ or a ‘need’ ”

  111. Wendy Duckworth
    October 19, 2011 / 7:18 pm

    To consider buying own-brand goods before the expensive brands. Afterall, what’s in a label.

  112. Kenneth Deed
    October 19, 2011 / 7:23 pm

    Always keep money aside for a rainy day. Don’t rely on credit!

  113. Dee
    October 19, 2011 / 7:24 pm

    Put your small change in a jar as it soon adds up and always compare prices and look for discount vouchers before you buy

  114. DawnC
    October 19, 2011 / 7:26 pm

    Always shop around for larger and smaller purchases. In this day and age of the internet it is easy to compare prices from shop to shop. You can save a small fortune just by researching before taking the plunge on a purchase!

  115. H.
    October 19, 2011 / 7:27 pm

    Don’t follow fashion or trends, create your own.

  116. Edward Barton
    October 19, 2011 / 7:29 pm

    Penny Wise Pound Foolish, always have a change bank, it can go a long way

  117. catherine corbett
    October 19, 2011 / 7:34 pm

    Do you REALLY need it? This question is the frugal shoppers best friend!!

  118. Dan
    October 19, 2011 / 7:34 pm

    Never get carried away with credit card/loans etc..

  119. Margaret
    October 19, 2011 / 7:34 pm

    I would tell my children that they should save for what they want. Unless its an emergency ie: Fridge has broken & you have no cash, save for things. I hate credit cards with a passion and will strongly advise my kids against ever getting one. So many members of my family get loans and use credit cards for silly things and then moan that they have no money. Well if you want to get a loan and spend it on silly things like tv shopping, don’t moan you have no money a few months later. Be sensible with your money.

  120. Claire Metters
    October 19, 2011 / 7:36 pm

    Mine would be…..only buy if you have the money in the bank. Credit, has been the down fall of too many people. x

  121. Steve Thompson
    October 19, 2011 / 7:37 pm

    Never Gamble as the bookie always wins.

  122. Jilly G
    October 19, 2011 / 7:37 pm

    Save,save,save for those unexpected bills & never rely on credit cards- if you don’t have the money you can’t afford it anyway!

  123. Emma
    October 19, 2011 / 7:38 pm

    My tip would be to compare prices in different shops for thing you are thinking of buying

  124. Zena Parsons
    October 19, 2011 / 7:42 pm

    If you ever want to buy anything save for it and never sign up to a credit card

  125. Gillian Brown
    October 19, 2011 / 7:43 pm

    Always compare the prices on line before you buy..

  126. Aisha Quddus
    October 19, 2011 / 7:43 pm

    Don’t spend what you don’t have….

  127. Georgina B
    October 19, 2011 / 7:45 pm

    Mine would be always wait for the sale and plan in advance when possible i.e christmas, birthdays and monitor your spending dont wait for your card to be rejected 🙂

  128. Lesley
    October 19, 2011 / 7:46 pm

    My tip; Never ever have credit for anything.!

  129. ben
    October 19, 2011 / 7:47 pm

    cook from scratch no rubbish ready meals.

  130. Claire Willmer
    October 19, 2011 / 7:49 pm

    I think to only spend within their means and to save for the things they want that way it makes what you get so much more meaningful!
    : )

  131. julie
    October 19, 2011 / 7:55 pm

    My top money saving tip would be, save half and spend half of all birthday money and christmas money you get, it soon mounts up and you still have some to spend!

  132. James W
    October 19, 2011 / 7:57 pm

    Save energy by turning off electricity etc. after use

  133. PAUL BROWN
    October 19, 2011 / 8:01 pm

    Spend a little and Save a little,as long as you dont get debt and try save for the items you want,at least its yours and youve saved money not having high interest added to what ever you buy if you pay by cash.

  134. Danielle Wilks
    October 19, 2011 / 8:02 pm

    Don’t spend what you don’t have.

  135. Lynda Jones
    October 19, 2011 / 8:04 pm

    Treat savings as if they were a bill you have to pay every month. Pay your bills and put your savings away and then what is left is for spending. This is the way of successful savers.

  136. jennie jackson
    October 19, 2011 / 8:05 pm

    dont buy on credit – if you cant afford it now – save up for it

  137. Kate Loader
    October 19, 2011 / 8:11 pm

    Never leave beyond your means, and only spend the money that you have rather than relying on credit. Save money when you can, as you never know when you are going to need it.

  138. Gary Russell
    October 19, 2011 / 8:12 pm

    The only credit you should ever use is a mortgage!

    also, keep your leftovers, you’d be surprised what you can make with yesterday’s scraps, being economical with your food really adds up in the long run!

  139. October 19, 2011 / 8:12 pm

    Mine is to save for something big rather than buy now pay later. You never know what may happen ‘later’

  140. nicola manship
    October 19, 2011 / 8:14 pm

    There is so much money saving advice to pass down its hard to be able to just pick one. I will go with dont be a lazy shopper. Shop around and get the best price you can. Where possible use charity shops as not only do you get discounted prices but the money goes to a great cause!

  141. October 19, 2011 / 8:14 pm

    When making big purchases, research and think for a least a week before buying as you may find you change your mind

  142. Jane
    October 19, 2011 / 8:16 pm

    Batch cook things like home made soups and stews and put them in the freezer, then on the days you are too tired to cook instead of ringing the takeaway just whack them in the microwave on defrost and then heat up.

  143. David
    October 19, 2011 / 8:18 pm

    Never spend what you do not have.

  144. Cheryl Seddon
    October 19, 2011 / 8:20 pm

    Don’t spend what you don’t have! And try to have some money to fall back on – that’s what my Mum taught me and I am debt free.

  145. Diane
    October 19, 2011 / 8:23 pm

    If you want something save for it. When you’ve saved for it see if you still want it.

  146. frances hopkins
    October 19, 2011 / 8:24 pm

    My tip would be don’t ever ever get a credit card or loan!! if you can’t afford you can’t get it

  147. Sean Brady
    October 19, 2011 / 8:25 pm

    Live within your means and put a bit by, every month.

  148. karen p
    October 19, 2011 / 8:34 pm

    Look after the pennies and the pounds will look after themselves

  149. Sarah Hodge
    October 19, 2011 / 8:35 pm

    My tip would be to only spend the money that you actually have. Once you start with credits cards its alltoo easy to “put it on the plastic” and before you know it you have a life times debt

  150. martin j
    October 19, 2011 / 8:38 pm

    I’d pass down that tesco can’t be beaten on range or value

  151. graham
    October 19, 2011 / 8:38 pm

    do your homework before you buy and always shop around

  152. Fiona Barrett
    October 19, 2011 / 8:41 pm

    Make your own lunch and don’t waste money buying it each day!

  153. Julie
    October 19, 2011 / 8:42 pm

    Use a spending diary so you can budget and keep track of how much you’ve spent and on what.

  154. FionaLynne Edwards
    October 19, 2011 / 8:44 pm

    Don’t live beyond your means – if you haven’t got the money to buy it, don’t buy it!

  155. david usher
    October 19, 2011 / 8:44 pm

    Save a little every week from whatever you have

  156. ANNA MARSHALL
    October 19, 2011 / 8:49 pm

    ASK YOURSELF DO YOU REALLY NEED IT, IF NOT DON’T BUY IT! AND SAVE A BIT AND TREAT YOUURSELF… LEARN BENEFITS OF SAVING FROM AN EARLY AGE AND THAT EVERYTHING ISNT HANDED TO YOU ON A PLATE!

  157. Kerrie
    October 19, 2011 / 8:49 pm

    use ebay, its full of bargains!

  158. Sean
    October 19, 2011 / 8:50 pm

    save a little its buils up even small amounts 🙂

  159. Karen Walkden
    October 19, 2011 / 8:52 pm

    shop late on in the day and pick up bargains from bakery aisle also best befores are a guide food doesnt go off at midnight on the day of the best before , also if you dont need dont buy 😀

  160. Elaine P
    October 19, 2011 / 8:56 pm

    Do you need it?
    Can you afford it?
    If the answer is NO to both questions then don’t buy it.

  161. barbara shaw
    October 19, 2011 / 8:58 pm

    I would suggest that whilst Christmas and Santa is a lovely time for children Parents should not spend so much on so many toys/ expensive toys as your children will be happy with less toys and more love and interaction from parents!!

  162. kirsty meecham
    October 19, 2011 / 8:59 pm

    If you can’t afford it…. don’t buy it!

  163. Dawn C
    October 19, 2011 / 9:01 pm

    Cook from as many meals as you can from fresh produce in bulk and freeze them. It is healthier and will save you money on takeaways when you do not have time to cook.

  164. Rachael Woodcock
    October 19, 2011 / 9:02 pm

    Look after the pennies and the punds will look after themselves.
    An oldie but a goody!

  165. October 19, 2011 / 9:03 pm

    Love the idea of a capped contract!

    My advice would be planning meals when doing the shopping to ensure minimum waste and maximum fresh taste!

  166. geoff lang
    October 19, 2011 / 9:06 pm

    look after the pennies and the pounds will look after themselves

  167. Mike Salisbury
    October 19, 2011 / 9:06 pm

    if you need it – get it … if you only want it -think about it first!

  168. Steve
    October 19, 2011 / 9:06 pm

    Don’t have kids !!!

  169. Sally Palmer
    October 19, 2011 / 9:11 pm

    Look after the pennies, because you never know when you’re going to run out of pounds. And if pennies is all you have, don’t worry, a cuddle costs nothing.

  170. October 19, 2011 / 9:11 pm

    listen to martin lewis and join the mse forum

  171. Chrissy Schneider
    October 19, 2011 / 9:12 pm

    If it’s on special offer and doesn’t go out of date. Stock up!

  172. sarah williams
    October 19, 2011 / 9:13 pm

    Do not shop for food when you are hungry!

  173. Amy Begley
    October 19, 2011 / 9:13 pm

    I’d give them the best advice I took years to understand that if you look after the pennies the pounds will take care of themselves!

  174. Paul Hodgson
    October 19, 2011 / 9:14 pm

    Don’t spend what you havn’t got!

  175. Paul S
    October 19, 2011 / 9:16 pm

    Don’t have kids!!

  176. doug milsom
    October 19, 2011 / 9:18 pm

    don’t buy anything on credit.

  177. Helen-Marie
    October 19, 2011 / 9:18 pm

    Take the right amount of money out so you dont spend anything else…

    Put a little bit away each week

  178. Linda Mayson
    October 19, 2011 / 9:24 pm

    Put your pocket money into a piggy bank that has no opening at the bottom so you cant dip into it.

  179. October 19, 2011 / 9:26 pm

    Never use credit cards!!

    @mummy_loves xxx

  180. Lou
    October 19, 2011 / 9:27 pm

    Money doesn’t buy you happiness. If you’re only spending because you think it will mpress someone else, keep your money in your pocket.

  181. kayleigh Dawn
    October 19, 2011 / 9:28 pm

    Use price comparison sites before you shop.

  182. hayley williams
    October 19, 2011 / 9:29 pm

    only buy things that you need and plan your meals

  183. Kellie Faggle
    October 19, 2011 / 9:32 pm

    If someone offers you something-take it! Don’t be proud. Also use charity shops!

  184. Julie Kenny
    October 19, 2011 / 9:35 pm

    I`d tell them to always sleep on it – and decide in the morning if you really need it

  185. Jack
    October 19, 2011 / 9:35 pm

    save the pennies, and the pounds will look after themselves 🙂

  186. kirstine meredith
    October 19, 2011 / 9:36 pm

    Ask yourself do u really need that!

  187. Melissa Hall
    October 19, 2011 / 9:37 pm

    Keep track of your money even little things.

  188. natalie white
    October 19, 2011 / 9:38 pm

    set up a savings account as soon as they can so when they are older they will have a nice little nest egg to get them started in life, be it a new car, deposit on a house or just to fall back on if times got tough!

  189. kellyjo walters
    October 19, 2011 / 9:38 pm

    Do home made food no junk or take aways saves money in the long run x

  190. Danielle Sinnott
    October 19, 2011 / 9:38 pm

    work hard and have what you really want.

  191. Patricia Fletcher
    October 19, 2011 / 9:38 pm

    Save 10p for every pound you spend

  192. Steph
    October 19, 2011 / 9:39 pm

    Its not a bargain if you never wanted it in the first place

  193. adrian
    October 19, 2011 / 9:40 pm

    Look after your pennies and the pounds will look after themselves..EVERY LITTLE HELPS!!!!!

  194. October 19, 2011 / 9:40 pm

    Save up for the things you want

  195. Denice
    October 19, 2011 / 9:40 pm

    Take out the cash you can afford to spend on shopping and leave cards at home, that way you won’t be tempted by impulse ‘bargain buys’.

  196. Zoe G
    October 19, 2011 / 9:46 pm

    To save for the things they want and not to have credit for them

  197. ayako clarke
    October 19, 2011 / 9:47 pm

    Don’y forget use club card every time you shop!! Every little helps.

  198. e.malcolm
    October 19, 2011 / 9:47 pm

    Never use credit, always use cash.

  199. Mary Hutton
    October 19, 2011 / 9:48 pm

    Pay off your credit card bill when you get it and don’t let the interest mount up.

  200. Paul Green
    October 19, 2011 / 9:48 pm

    To help save money at christmas give home made promise vouchers for things like baby sitting duties, car washes, dog walking or sitting you will find that 1. it saves you money and 2. the vouchers mean so much more to people as you have really put some thought into it.

  201. Diane Ayres
    October 19, 2011 / 9:49 pm

    Wait for the sales. You can get lots of bargains then and your money will be further.

  202. Laura Williams
    October 19, 2011 / 9:52 pm

    Always save a bitof money aside (even just a little bit) each week/month, it soon adds up, and comes in handy in emergency!

  203. Caroline French
    October 19, 2011 / 9:57 pm

    More like advice than a tip but never get an overdraft then you are forced to live within your means and not let things spiral out of control!…The voice of experience so listen to your mother lol!

  204. ALISON CAMPBELL
    October 19, 2011 / 10:02 pm

    remember to buy only what you need as BUY ONE GET ONE FREE can often mean BUY ONE GET ONE YOU DON’T NEED AND WILL EVENTUALLY THROW IT OUT

  205. Andrew W
    October 19, 2011 / 10:03 pm

    Do a menu of what you are going to be eating for the week then only buy what you need.

  206. Tiffany Oconnell
    October 19, 2011 / 10:05 pm

    The best advice i can offer is keep a book, write down all your incomings and outgoings, With dates and amounts, it might sound boring but its easy to forget or be late making payments if you dont keep a record, You also then can see whats left to spend or not as the case may be.

  207. Partlydave
    October 19, 2011 / 10:07 pm

    if you earn a pound, dont spend £1.20

  208. Rachael G
    October 19, 2011 / 10:08 pm

    If you want something, save up for it as your appreciate it more and make sure that you shop around to get it for the cheapest possible pricetoo (and cashback if possible!).

  209. Hutch
    October 19, 2011 / 10:09 pm

    Make sure you take a list of things you actually need when you go shopping and try really hard to stick to it, thus avoiding wasting money on things you dont need or impulse buys

  210. Karen Scammell
    October 19, 2011 / 10:15 pm

    Look after the pennies!

  211. Nicky Benton
    October 19, 2011 / 10:16 pm

    To live within their means, If you cant afford it don’t get it, unless you can win it

  212. Paul S
    October 19, 2011 / 10:20 pm

    My tip would be start saving for your retirement as early as you can – the longer the money is invested, the more it can grow.

  213. Tammy
    October 19, 2011 / 10:22 pm

    Never ever ever sign up for a credit card, especially if you are a student!

  214. Paula
    October 19, 2011 / 10:24 pm

    Write a shopping list and stick to it and if you don’t really need it don’t buy it even if its on offer. In other words do as I say and not as I do lol

  215. clare
    October 19, 2011 / 10:28 pm

    some of ur fav treats and snacks can be made at home which are better for u and cheaper!!

  216. Sarah Laycock
    October 19, 2011 / 10:28 pm

    It’s never too early to save – always have a goal in mind to help those times when temptation beckons and never put your eggs in one basket – keep those savings rotating where the best deals are to be had!

  217. October 19, 2011 / 10:29 pm

    Before you buy anything ask yourself:

    Do I want it?
    Do I need it?
    Will I use it more than once?

    You don’t have to say no if you can’t answer yes to the second one but only if you can really afford it

  218. Iain Riddle
    October 19, 2011 / 10:33 pm

    Save up the money before you spend it.

  219. Christina Wong-Curley
    October 19, 2011 / 10:33 pm

    Never take out credit cards or loans as you are spending your future money. If you ever in need of financial help, always come to your dad or mum.

  220. Kelly Dawe
    October 19, 2011 / 10:34 pm

    Take care of pennies, they soon add up!

  221. Joanne B
    October 19, 2011 / 10:46 pm

    Cheaper ‘own brand’ arejust as good as named brands

  222. P Phillips
    October 19, 2011 / 10:49 pm

    Start saving as early as possible and save a little each week/month.

  223. Ceril Roberts
    October 19, 2011 / 10:53 pm

    I would tell them to save 10% of their wages and stay away from credit cards!

  224. Susie
    October 19, 2011 / 10:53 pm

    Ignore all those seemingly great offers on credit cards and store cards and live within your means.

  225. laura
    October 19, 2011 / 10:53 pm

    Treat yourself once a month. Have a budget. During the month decide what you want and at the end of the month enjoy it!

  226. Benjamin Edwards
    October 19, 2011 / 11:05 pm

    Try on instore, then buy online!

  227. Leeanne
    October 19, 2011 / 11:07 pm

    If you look after the pennies, the pounds will look after themselves

  228. Barbara Hewitt
    October 19, 2011 / 11:09 pm

    start saving when you start earning

  229. October 19, 2011 / 11:13 pm

    Ask yourself if you really need it before you buy it. It may be a bargain but it only is if you need it!

  230. Karis Boone
    October 19, 2011 / 11:30 pm

    Always shop around before making a big purchase, and look for cashback and discount codes.

  231. DANIELLE VEDMORE
    October 19, 2011 / 11:37 pm

    Do not take out credit cards!!! It is not real money!!! You have to pay it back with interest. Only spend what you have got!!! xoxo

  232. Debbie Bird
    October 19, 2011 / 11:53 pm

    Save all your copper in a large jar,after a year take it to the supermarket where their machine will count it and you can treat yourself to something special

  233. gillian hunter
    October 19, 2011 / 11:55 pm

    I would like to educate my son over the dangers of spending more than you earn. Always save to buy things and never take out credit cards as it is too ahrd to pay them off later. You will live a happier life without the stress of debt and will enjoy being able to afford luxuries without getting a huge bill at the end of it.

  234. Tanya Elliott
    October 19, 2011 / 11:55 pm

    Get on the property ladder early.If you really want something,Save up for it!

  235. Paul Wilson
    October 20, 2011 / 1:20 am

    Plan ahead and make sure you do your research before making a purchase..

  236. Elisabeth Aldred
    October 20, 2011 / 1:42 am

    put some money in to saving no matter how little

  237. Cathy
    October 20, 2011 / 1:54 am

    Bring a packed lunch!

  238. C Hui
    October 20, 2011 / 5:28 am

    Spend within your means – will always save you money in the long run!

  239. Ian B
    October 20, 2011 / 6:32 am

    When food shopping always take a list and only buy what you can eat before it goes out of date.

  240. simone lee
    October 20, 2011 / 7:12 am

    ALWAYS SAVE YOUR MONEY FOR A RAINEY DAY MAKE THE MOST OF THE OFFERS IN SUPERMARKETS SHOP AROUND

  241. Gardenteacakesandme
    October 20, 2011 / 7:26 am

    My grandfather used to always say ‘if look after the pennies the pounds take care of themselves’

    I always remember these words of wisdom

  242. Elvire Goulin
    October 20, 2011 / 7:38 am

    I would teach him the difference between wanting and needing; and then to save up for what they want.

  243. Sue Witherstone
    October 20, 2011 / 7:42 am

    Round up any purchase to the nearest pound and save this money in a jar or bank account, it soon adds up,

  244. Gemma Szwed
    October 20, 2011 / 7:59 am

    To always put money aside every week, no matter how little.

    &

    To make a weekly meal planner so you only buy the ingredients you need so there is no wastage!

  245. Guy Nash
    October 20, 2011 / 8:03 am

    Always use a cash back site to buy goods online. If you’re buying the item anyway join and use a cash back site to buy the item. You’ll get a small percentage of the cost back for doing so and it soon adds up!

  246. October 20, 2011 / 8:09 am

    For friends presents agree a price and buy something used, books, clothes and gorgeous household items can be bought from charity shops and ebay. A fraction of the cost and lovely items with exciting heritage.

  247. David Smith
    October 20, 2011 / 8:35 am

    Save your first months paycheck so that you always have some in case of emergency

  248. Pete A
    October 20, 2011 / 8:36 am

    Go mad, spend what you want – you only live once!

  249. Mary Elcombe
    October 20, 2011 / 8:54 am

    Start saving before you know what you’re saving for

  250. Julie Brett
    October 20, 2011 / 9:00 am

    Don’t buy anything on redit, save up for it instead

  251. Crystal Mse
    October 20, 2011 / 9:23 am

    I’d advise them ~ Neither a borrower nor lender be . Because I’ve had trouble with money when it comes to friends and family . x

  252. Joanne Baldwin
    October 20, 2011 / 9:26 am

    Have a “present drawer” that you keep stocked with bargains you see in the sales, then birthdays and Christmas are not too much of a financial burden as you always have a bit of a head start! If you’re really clever you can buy lots of things in the January sales (especially Christmas gift wrap/cards for pennies) and put them away for next Christmas.

  253. coralie
    October 20, 2011 / 9:35 am

    Do a budget before baby is born, estimating all the one off equipment you need and the running costs eg nappies. Then try to work out how much you can save on things like going out.

  254. andrew petrie
    October 20, 2011 / 9:44 am

    Aside from a mortgage always resort to borrowing as a last resort

  255. October 20, 2011 / 9:45 am

    Always keep a little bit of money in an account that’s awkward to get at – it’s harder to spend it that way and makes a good emergency fund.

  256. Darren
    October 20, 2011 / 10:04 am

    Avoid building up debt on Credit Cards

  257. Rachel Astley
    October 20, 2011 / 10:26 am

    Never have finance to buy something, if you want something save for it and pay for it outright

  258. liz denial
    October 20, 2011 / 10:27 am

    Look after the pennies & the pounds will look after themselves

  259. Helen T
    October 20, 2011 / 10:28 am

    delayed gratification, save up for things first rather than buy on credit and pay off you appreciate things more

  260. tony
    October 20, 2011 / 10:35 am

    before you buy anything think “do I really need this, will I still be using it in a few weeks time?” if you are not sure, then wait another 24 hours to make sure you really want/need it.

    buy in haste, repent at leisure!

  261. Rachel M
    October 20, 2011 / 10:38 am

    Work hard,spend carefully!

  262. Rachel Jones
    October 20, 2011 / 10:42 am

    SAVE! dont have loans! dont have credit cards or you will end up like mummy!

  263. Karen Barrett
    October 20, 2011 / 10:44 am

    Be thrifty at the Supermarket. Go late afternoon and pick up the reduced bargains, check the end aisle shelving for all the offers (but only buy if you need/will use them), use money off coupons, check out different supermarkets especially Lidl/Aldi.
    Then plan meals around your bargains to avoid wastage. ;0)

  264. Carina Shearer
    October 20, 2011 / 10:54 am

    “Stay in touch with friends” In the ever changing world in which we live in the thing that has changed the most is the way we communicate, it is so easy now to send an email, post on Facebook, send a tweet, talk on Skype etc Often when we have left school, moved away from where we grew up in order to study or raise a family, we make new friends and move in different circles and therefore lose touch with old school friends, workmates even sometimes family. What happens is that most of these old friends learn skills and develop careers such as mechanics, lawyers, accountants, tradesmen ,medical carers and much more. Everyone loves to help out when they can, so just by encouraging your child to keep in touch with friends (which is so easy now) will benefit them no end in later years.

  265. Lori Darling
    October 20, 2011 / 10:57 am

    always price check online before making a rash highstreet purchase – more often than not – when you get home, you don’t want it anymore anyway

  266. shell
    October 20, 2011 / 10:58 am

    Dont use a credit card, pay by cash and negotiate a discount

  267. ellen
    October 20, 2011 / 11:26 am

    Grow your own fruit and veg.

  268. Jane Davis
    October 20, 2011 / 11:27 am

    always put something aside..and keep it incase of emergency

  269. Julie Feathers
    October 20, 2011 / 11:29 am

    Get either a lage whiskey bottle or large jar, and save all your small change.You will be surprised how much you will save fro Christmas or Holiday spending money. Plus your purse will not weigh too much

  270. Kevin
    October 20, 2011 / 11:30 am

    Enter as many free prize draws as possible!

  271. kate
    October 20, 2011 / 11:43 am

    theres nothing wrong with food in the reduced basket in the supermarket.perfectly good food that gives me big savings!

  272. Lisa King
    October 20, 2011 / 11:45 am

    My tip would be to ALWAYS keep a note of money you have incoming and money outgoing, you can manage your finances so much more easily this way and if you ever need to cut down on things you just have to take a look at what your outgoings are.

  273. Clare Kirkpatrick
    October 20, 2011 / 11:49 am

    Have a bills account and have a standing order go into that for the total amount that needs to be paid out the day after you get paid. Then take cash out of your account – something like £50 per week for the month – and don’t take your cards anywhere! Just spend the cash – when it’s gone it’s gone. Way easier to stick to a budget when you can actually see the cash in your hands. Every spare penny at the end of the month goes into savings.

  274. Keith C
    October 20, 2011 / 11:52 am

    Buy your Christmas crackers in the January sales – bargain!

  275. Kevv Wright
    October 20, 2011 / 11:55 am

    Don’t spend what you havn’t got!
    But don’t save too much as the government will have the lot!!

  276. laura marshall
    October 20, 2011 / 12:01 pm

    Never throught away a penny, that penny can make a pound.

  277. Karen F
    October 20, 2011 / 12:02 pm

    Make do and mend instead of throwing away and buying new. Also charity shops and recycle sites are really cool.

  278. Lesley
    October 20, 2011 / 12:08 pm

    Start as you mean to go on – save 10% of your pocket money 🙂

  279. kevin forest
    October 20, 2011 / 12:09 pm

    Thrift

  280. Angela Webster
    October 20, 2011 / 12:16 pm

    Start putting all your loose change in a money tin in January then get it all changed in December just in time for some extra christmas money.

    @MrsWebster147

  281. David Prince
    October 20, 2011 / 12:48 pm

    Dont buy what you cant afford.

  282. LindaOsborne
    October 20, 2011 / 1:16 pm

    ‘Shop Around’ ‘ and if you havn’t got the money for it , you can’t have it.

  283. EMMA WALTERS
    October 20, 2011 / 1:19 pm

    whenever buying something new (from toys to phones etc) save all the packaging so when you no longer have use for them you can sell them and get more money for them in their original packaging

  284. Sarah Jauch
    October 20, 2011 / 1:29 pm

    Always put a little money aside each week/month and spend wisely

  285. Gill B
    October 20, 2011 / 1:30 pm

    don’t spend outside of your means……

  286. Gill Branney
    October 20, 2011 / 1:40 pm

    Never buy anything in haste, once you have thought long & hard about splashing out, you will probably realise that you don’t really need it!

  287. Marc Landers
    October 20, 2011 / 1:41 pm

    start saving now

  288. Barry Murphy
    October 20, 2011 / 1:54 pm

    Dont ever get a credit card – and don’t avoid bills!

  289. Carolina J.
    October 20, 2011 / 2:00 pm

    Do not take credit cards, buy only what you can afford!

  290. Chris Campbell
    October 20, 2011 / 2:01 pm

    Only buy fresh food when you intend to use it

  291. Catherine
    October 20, 2011 / 2:05 pm

    If you can’t afford it, don’t buy it.

  292. Ligaya Bolton
    October 20, 2011 / 2:06 pm

    Never buy something that you dont need just because one of your friends have it.

  293. Drew
    October 20, 2011 / 2:06 pm

    Always use price comparison sites for any purchases, I have saves thousands by shopping around, and getting the best price for the exact same product.

  294. l. hutchinson
    October 20, 2011 / 2:10 pm

    Not to buy anything on credit unless its absolutely necessary.

  295. Harpal Kaur
    October 20, 2011 / 2:12 pm

    Always spend wisely and negotiate the best deal

  296. john mcdonald
    October 20, 2011 / 2:13 pm

    save small and regularly – place into hard to get at accounts and leave it alone !!

  297. Debbie
    October 20, 2011 / 2:13 pm

    Never apply for credit..save up and wait till you have the money to buy what you need

  298. SARAH GREEN
    October 20, 2011 / 2:21 pm

    Save all your loose change, it soon mounts up

  299. renae
    October 20, 2011 / 2:36 pm

    I would teach them to save whatever is left over each month – little and often soon adds up

  300. Mike Ogden
    October 20, 2011 / 2:36 pm

    Keep chasing best interest savings accounts!

  301. Mary Lucking
    October 20, 2011 / 3:00 pm

    Look after the pennies and the pounds will look after themselves

  302. Julie Davies
    October 20, 2011 / 3:07 pm

    Put 10% of your wages in a savings account

  303. TRACY
    October 20, 2011 / 3:23 pm

    Always try and have something saved for that rainy day because things do happen when you least expect it to.

  304. Carrie Smith
    October 20, 2011 / 3:39 pm

    Don’t waste food…todays leftovers can make a delicious meal tomorrow!

  305. claire thomson
    October 20, 2011 / 3:59 pm

    only buy what you need or can afford

  306. October 20, 2011 / 4:00 pm

    If you havent got it, dont spend it.

  307. Kelly
    October 20, 2011 / 4:36 pm

    i think id pass on about a savings book.nothing too restrictive.maybe like the frozen stores 1point per £1.this way xmas can pay for itself!

  308. Alison
    October 20, 2011 / 4:54 pm

    Save up for things rather than buy them on credit

  309. James Cooke
    October 20, 2011 / 5:04 pm

    Encourage putting any leftover pocket money away every month into an account because you never know when you’ll want something and Mum and Dad can’t afford to buy it straight away!

  310. tracey
    October 20, 2011 / 5:11 pm

    from little acorns big trees grow so look after the pennies and the pounds will look after themselves

  311. ELIZABETH WILLIAMS
    October 20, 2011 / 5:14 pm

    DO YOU REALLY NEED IT?

  312. john webster
    October 20, 2011 / 5:24 pm

    The four-day wait works. If you are about to buy something which isn’t a necessity, and you have a little quiet voice somewhere whispering to you, listen to it, and wait four days before you make the purchase. It gives you time to compare prices elsewhere, or to come up with an alternative, or even to decide that you don’t need or want it.Also don’t waste your hard-earned money by not complaining if you have purchased something which is unsatisfactory.

  313. Louise Dray
    October 20, 2011 / 5:30 pm

    Do not buy until you have the money

  314. Deborah Wheeler
    October 20, 2011 / 5:39 pm

    Before you make a snap purchase stop and think
    Do I really want it
    Can I afford it
    Can I manage without it

  315. Chris James
    October 20, 2011 / 5:41 pm

    Do you really need it? If so SHOP AROUND!

  316. maureen quinnell
    October 20, 2011 / 5:41 pm

    just because you want something doens’t mean you need it. always think twick before buying it.

  317. Mark Trayhorn
    October 20, 2011 / 5:42 pm

    Don’t buy SKY.

  318. Catherine Sage
    October 20, 2011 / 6:13 pm

    Always make sure you can pay for things and not take on debt’s that will cripple you

  319. Jacquie Bennett
    October 20, 2011 / 6:18 pm

    If you can afford the repayments you don’t need the loan – save instead.

  320. Sue Tyler
    October 20, 2011 / 6:24 pm

    Save some money from each pay packet. Build up enough to pay a good deposit for a house.

  321. adrian bonnington
    October 20, 2011 / 6:30 pm

    Never buy anything you can’t afford. Try to be self reliant by growing own veg etc

  322. Andy Caldwell
    October 20, 2011 / 6:35 pm

    Save a little but regularly

  323. Joy F
    October 20, 2011 / 6:52 pm

    Open an ISA and savings account for them and encourge them to put money in.

  324. Tracey Wolverson
    October 20, 2011 / 7:01 pm

    Save for your luxury items!

  325. john
    October 20, 2011 / 7:08 pm

    If you cant afford to pay cash then don’t buy it on credit card or the never never. Nothing is worth getting into debt for.

  326. Fiona
    October 20, 2011 / 7:12 pm

    Just a little bit more money can make an awful lot of difference

  327. Sue Hutchins
    October 20, 2011 / 7:15 pm

    Put some money away from your salary each month by standing order. So it comes out straight away

  328. Silvia
    October 20, 2011 / 7:17 pm

    Don’ give in to impulse buying!

  329. Wila Jones
    October 20, 2011 / 7:21 pm

    Neither a borrower nor a lender be.

  330. hassina begum
    October 20, 2011 / 7:25 pm

    Always save for a rainy day

  331. Daphne
    October 20, 2011 / 7:32 pm

    My tip would be always make a list for the supermarket and stick to it. Preferrably eat before you go as you’re less likely to pick anything extra up!!

  332. October 20, 2011 / 7:38 pm

    Wowzers! What a great comp!!!

    What money saving tip….. mmmmh, never go food shopping hungry!

    Maggy

  333. Zowee Moore
    October 20, 2011 / 7:39 pm

    Always make sure your getting the best deal with whatever you buy! I use comparison websites for nearly every purchase I make and save £100’s a year!

  334. Donna Gilligan
    October 20, 2011 / 7:41 pm

    Save as much as you can as soon as you can, and put it into property whenever you can

  335. October 20, 2011 / 7:42 pm

    if u want something save for it. You’ll appreciate that item more

  336. Stuart
    October 20, 2011 / 7:42 pm

    stop buying them sweets…. youll thank yourself later for it 😀

  337. sally
    October 20, 2011 / 7:45 pm

    it’s nice to be important, but it’s more important to be nice.

  338. October 20, 2011 / 7:52 pm

    This is for when they’re older – if you can’t afford something, you can’t have it! Avoid credit at all costs and save for the things you want.

    I wish I had been told that. And been made to listen. 😀

  339. Alison Reid
    October 20, 2011 / 7:59 pm

    It’s not a bargain, if you don’t need it!! That amazing pair of shoes reduced by 90% great deal…but not if they’re a size 4 and you’re a 6

  340. DENISE CROSS
    October 20, 2011 / 8:03 pm

    Don’t buy another on credit. save up for it and you’ll appreciate it a whole lot more

  341. joanna PARKER
    October 20, 2011 / 8:03 pm

    Never get into debt!

  342. dean parker
    October 20, 2011 / 8:06 pm

    Start your own business, find a gap in the market, Work hard and take calculated risks. You will never get rich working for someone else!

  343. Marc Jackson
    October 20, 2011 / 8:15 pm

    You need money to make money, so don’t spend it!

  344. Eliot Curtis
    October 20, 2011 / 8:16 pm

    Invest in high-quality goods! They’ll last longer, and will save you money in the future!

  345. KateS
    October 20, 2011 / 8:32 pm

    I’d encourage my daughter to save 10% of her income (starting with pocket money) and to plan her meals so as not to waste food.

  346. October 20, 2011 / 8:32 pm

    Only buy what you can afford to without getting into debt

  347. Mrs Rachel Heap
    October 20, 2011 / 8:37 pm

    Always double think before you buy something and recycle as much as you can

  348. Cecelia
    October 20, 2011 / 8:38 pm

    If your child wants an expensive toy or clothes,teach them to have a money saving goal. Keep a chart so that they can see how their savings are growing. Find ways that they can earn, even a few pennies by helping with chores. Maybe when they reach their goal, chip in the rest as a reward, they will appreciate their purchase more if they have had to earn it, plus they are learning the basics of saving..

  349. laura seaton
    October 20, 2011 / 8:39 pm

    What money saving tip would I pass down to my children?

    wow there are too many to count, I think my main one would be to have a spreadsheet or something similar going forward a couple of months showing incomings and outgoings. I love to think I am teaching my children about money even now (they are 3 and 2) whenever they want to buy some sweets they give the money over themselves, if they want to buy something bigger like a magazine then they need to save for it. They get pocket money for doing little things 20p for taking their plates to the kitchen, 20p for not having any accidents all day, 20p for sleeping all night and other little chores.

    Sounds cruel making my little children do chores but they love it, they even ask if they can help do other things like washing up, hoovering and putting the washing in the machine.

  350. Julie Davies
    October 20, 2011 / 8:48 pm

    If you want something save up for it – you will appreciate it so much more

  351. Ben Bradley
    October 20, 2011 / 8:49 pm

    enter competitions instead of buying

  352. Stephanie Cummins
    October 20, 2011 / 8:51 pm

    My money saving tip would be spend half save half!!!

    Thats what my parents taught me 😀

  353. Lou Taylor
    October 20, 2011 / 8:58 pm

    Do you really need it?

  354. Al Mac
    October 20, 2011 / 9:02 pm

    If you’re offered any share options at work, take them! £20 or £30 a month deducted from your salary will hardly be missed, but after a few years it can add up!

  355. Andrew Dommett
    October 20, 2011 / 9:04 pm

    Follow your dreams

  356. susan surgeoner
    October 20, 2011 / 9:08 pm

    Neither a borrower nor a lender be!

  357. Deborah nicholas
    October 20, 2011 / 9:20 pm

    Look after the pennies and the pounds look after themselves!

  358. October 20, 2011 / 9:23 pm

    Tell them for every pound they do save you’ll give them an extra one at the end of the year as a reward and for them to pass this tip onto the children it will save them a fortune.

  359. ros lewis
    October 20, 2011 / 9:25 pm

    Before you buy anything, think twice and then think again.

  360. claire woods
    October 20, 2011 / 9:35 pm

    Appreciate what you have instead of always wanting more.

  361. Sayj Trivedy
    October 20, 2011 / 9:42 pm

    Always shop around for the best deal 🙂

  362. Sammie Bee
    October 20, 2011 / 9:50 pm

    Don’t spend everything at once, always put some aside

  363. donald macdonald
    October 20, 2011 / 9:59 pm

    Use your money wisely. Don’t be afraid to save up for what you want – you’ll appreciate the stability of having paid for it and don’t be too proud to buy stuff youll only need for a short time second hand or from a charity shop.

  364. October 20, 2011 / 10:02 pm

    Save save save!

  365. Joanne Sutton
    October 20, 2011 / 10:15 pm

    Try to avoid buying anything on credit…if you want something, save up for it!!

  366. Robert Smith
    October 20, 2011 / 10:19 pm

    Use price comparison and cashback websites.

  367. william liggett
    October 20, 2011 / 10:29 pm

    Look after the pennies and the pounds will look after themselves 🙂

  368. Dave Hides
    October 20, 2011 / 10:47 pm

    Don’t for god sake become a hoarder as your relatives will end up have to sort out the mess left behind and it’s a pain

  369. Sarah
    October 20, 2011 / 11:00 pm

    My son hates to be parted with his money and will only spend it on something if he really wants it. My daughter is the complete opposite and it burns a hole in her pocket. I am teaching them that if they look after their toys, then when they’ve grown out of them I can sell them and they can have the money to buy whatever they like (or not, in my son’s case!) They learn to look after their toys AND all about depreciation at the same time!

  370. October 20, 2011 / 11:14 pm

    I loved how a friend 15 yrs younger than I am, was taught to save, at such a young age she managed to put a deposit on her own home, all because her parents taught her to save a third for life, a third to save up for what you need and a third to live off!
    I would love to teach my children to behave better than I did when I started earning money and hope to tell them similar to my friend!
    I am a bargain hunter by heart!

  371. Tom
    October 20, 2011 / 11:25 pm

    Buy a Railcard – saved me so much money over the years!

  372. sam sellick
    October 20, 2011 / 11:37 pm

    look after the pennies and the pounds will take care of themselves!

  373. Teresa
    October 20, 2011 / 11:51 pm

    Britain is considered to be one of the most wasteful nations in the world with an average of 30% of all food purchased ending up in the bin, so my tip is don’t buy more than you need. It’s seems simple but if you saved 30% off the price of your shopping every week it would prove to be pretty effective in the long run.

  374. karim khimji
    October 20, 2011 / 11:55 pm

    open a savings account

  375. Joe
    October 21, 2011 / 12:15 am

    Learn to save money when your younger coppers, spare change, understanding how money amounts up will give you more control. it becomes a useful skill for life and helps control over your money.

  376. Wesley Robertson
    October 21, 2011 / 12:20 am

    Compare prices of everything they want to buy on the internet to get the best price. Large savings are possible. It works for me.

  377. bee35
    October 21, 2011 / 12:21 am

    a) Don’t be snobby about buying supermarket label products over branded items – you can sometimes halve your shopping bill by doing this and show your children an excellent life-skill at the same time.
    b) Cash not credit for personal ‘luxury’ items
    c) Rent for only as long as you have to…so look after your credit rating.

  378. Matthew Burr
    October 21, 2011 / 1:58 am

    Start your pension as soon as possible if your parents havent already.Its free money.

  379. Eng Chong
    October 21, 2011 / 2:21 am

    Save enough for a rainy day, but at the same time, be able to spend enough to enjoy yourself!

  380. Ed
    October 21, 2011 / 2:49 am

    Never borrow more than your monthly wage on a credit card!

  381. antikhab hussain
    October 21, 2011 / 4:48 am

    look out for offer like buy one get one free

  382. Anne B
    October 21, 2011 / 7:21 am

    Pay by cash, then you know exactly what you’re spending – when its gone, its gone – don’t get yourself a credit card because its too easy to run up a big bill

  383. Claire Smith
    October 21, 2011 / 7:50 am

    Whatever you want save up for it – avoid credit cards at all costs and you appreciate what you have more that way too when you have had to work for it!

  384. Mark
    October 21, 2011 / 8:35 am

    Nothin is for free if you want something work hard and save dont take out loans. Be in control of you own finances.

  385. Tony
    October 21, 2011 / 8:46 am

    And remember your parents when your rich and famous.

  386. October 21, 2011 / 9:05 am

    Don,t buy anything on impulse. You usually regret it and find yourself short of money.

  387. Daniel Coles
    October 21, 2011 / 9:14 am

    If you cant afford it dont get it, i.e dont get any credit..

  388. Tracey Tibbles
    October 21, 2011 / 10:03 am

    Walk away & think about it. Never buy on impulse

  389. helena haddock
    October 21, 2011 / 10:17 am

    Save up for something, and don’t use credit cards unless for an emergency

  390. max amos
    October 21, 2011 / 10:37 am

    Always shops around and it never hurts to ask for a discount.

  391. Debra Cartwright
    October 21, 2011 / 10:45 am

    always keep some money aside for a rainy day

  392. Naomi Allard
    October 21, 2011 / 11:11 am

    I think using small amounts of cash for my children makes them appreciatte what they have!

  393. Ruwan
    October 21, 2011 / 11:40 am

    If you don’t HAVE to have it…don’t! 🙂

  394. Jamie Baker
    October 21, 2011 / 11:57 am

    Always save 5% of your wage for unseen emergencies.

  395. Helen C Shaw
    October 21, 2011 / 12:44 pm

    Think first and if needed and can afford always shop around for the very best deal.

  396. tom Baines
    October 21, 2011 / 1:08 pm

    Mine is simple, if you earn a lot save a lot if you earn a little save a little, always have a stash for a rainy day

  397. Rachel Dann
    October 21, 2011 / 1:09 pm

    Don’t fix what isn’t broken! There is no point in buying something unless it needs replacing, you’re only wasting money!

  398. Gina Raymond
    October 21, 2011 / 1:14 pm

    Never a borrower or a lender be!

  399. gill wilson
    October 21, 2011 / 1:14 pm

    Spend a little, save a little

  400. October 21, 2011 / 1:17 pm

    What money saving tip would I pass down to my children?

    If something’s a bargain but you don’t need it, it’s not really a bargain is it? It’s a waste of money that you could have put towards something you actually wanted.

  401. Trudy
    October 21, 2011 / 1:18 pm

    grow your own fruit and veg

  402. Adele Leek
    October 21, 2011 / 1:28 pm

    1. Always buy things that put money back into their pocket, such as property etc, cars go down in value the day you buy them.
    2. Also that insurance is always a good idea and is not dead money.
    If something did happen you just claim!

  403. Cheryll H
    October 21, 2011 / 1:47 pm

    My best tip would be know the value of everything, not the cost 🙂 As long as you know what something is truly worth you’ll never be short of anything 🙂

  404. ann carline
    October 21, 2011 / 1:54 pm

    Save for a rainy day

  405. Laura Pritchard
    October 21, 2011 / 1:58 pm

    Start saving from birth…then one day you might be able to buy a house! It took Mummy 28 years & a huge parental gift…you won’t get one of those from us…so save!

  406. jen english
    October 21, 2011 / 2:13 pm

    Remember – do you need it, will you use it, can you find it cheaper elsewhere?

  407. Barbara Childs
    October 21, 2011 / 2:20 pm

    Instead of saying “I would love to do this and that” actually ‘get on and do it’, then there is no looking back and saying “if only I had done that”

  408. Solange
    October 21, 2011 / 2:38 pm

    Invest in a slow cooker. Stews and casseroles are cheap to make and go a long way when trying to feed a family on a budget. Steamers are also a good option as they use very little electricity

  409. sophia k
    October 21, 2011 / 2:50 pm

    save up for things and you will always appreciate what you have

  410. Elisabeth Barnwell
    October 21, 2011 / 3:00 pm

    Try and put some by for the lean times easier said than done

  411. donna reynolds
    October 21, 2011 / 3:13 pm

    Buy what you need not what you want 😀

  412. Melanie Pennie
    October 21, 2011 / 3:49 pm

    Save, Save, Save…. and don’t ever get a credit card, pay cash!!!

  413. kelly smith
    October 21, 2011 / 3:55 pm

    to search sites like moneysavingexpert for the offers 🙂

  414. lynn ward
    October 21, 2011 / 3:56 pm

    always save for a rainy day, so my own mam told me!

  415. jordan smith
    October 21, 2011 / 3:57 pm

    put aside what u can and save for times u might need it!

  416. JOANNE ROXBURGH
    October 21, 2011 / 4:27 pm

    Freeze leftovers,always good for a stew or soup.when you have run out of money.

  417. Margaret Lycett
    October 21, 2011 / 4:40 pm

    never buy what you can’t afford

  418. Heather Tuby
    October 21, 2011 / 4:45 pm

    Never ever get a credit card.

  419. JUN MO
    October 21, 2011 / 5:13 pm

    Start saving from an early age!

  420. Marie
    October 21, 2011 / 5:29 pm

    buy quality this will save money in the long run

  421. peter
    October 21, 2011 / 5:37 pm

    never buy anything on impulse as it often turns out to be wasteful

  422. adam
    October 21, 2011 / 6:09 pm

    Always look for the best deals for what you need and haggle down the price of the 2nd best deal by saying so-and-so (1st best deal) offer the same thing but at a better price!

  423. lorraine polley
    October 21, 2011 / 6:23 pm

    dont use a credit card, if you can’t afford to pay cash for it, you can’t afford it!

  424. Lorraine R
    October 21, 2011 / 6:44 pm

    Never buy new when second hand will do

  425. October 21, 2011 / 6:45 pm

    A great money saving tip I would give to my children is only buy what you really need not what you really want! Somemthing I also need to teach my husband!!!

  426. Beverley
    October 21, 2011 / 7:18 pm

    Before you spend more than half of what you have, go away and think about it!

  427. melanie crumpton
    October 21, 2011 / 7:35 pm

    Cash is king! no credit cards

  428. Tracey
    October 21, 2011 / 7:48 pm

    Stay away from Department Store Cards! If you have not got it, don’t spend it!

  429. Julia Clark
    October 21, 2011 / 8:20 pm

    Never a lender nor a borrower be

  430. EMMA PRICE
    October 21, 2011 / 9:19 pm

    Shop around and compare prices, the saving made can go towards another wanted item!

  431. Holly
    October 21, 2011 / 9:20 pm

    Looking for reduced food at the supermarket is a nice money saving tip, you can often find things similar to what you were going to buy anyway much cheaper.

  432. Sam Bates
    October 21, 2011 / 9:55 pm

    Only buy things you need not things youll never eat or never use

  433. Addy Knight
    October 21, 2011 / 10:16 pm

    Do you need it or want it?

  434. Joanne Lyles
    October 21, 2011 / 10:25 pm

    Do not spend more than you earn

  435. Tom Dalziel
    October 21, 2011 / 10:40 pm

    Don’t have savings earning less interest than you’re paying on your outstanding debt.

  436. Molly Harvey
    October 21, 2011 / 10:41 pm

    Shop around for insurance such as car/house-you’ll be amazed at how much you can save for the same level of cover!

  437. Lisa Armstrong
    October 21, 2011 / 10:42 pm

    Sell your old toys on Ebay and at Car Boot sales, this will enable you to buy new ones !

  438. yvonne grylls
    October 21, 2011 / 10:52 pm

    Never use credit!

  439. Kate Hester
    October 21, 2011 / 11:02 pm

    Always check you’ve got the best deal – never impulse buy!

  440. David Nicolson
    October 22, 2011 / 12:08 am

    Shop around for everything – car insurance, house insurance, electricity, your phone etc. The amount you save is astronomical.

  441. Nina Walker
    October 22, 2011 / 12:24 am

    Earn the money by doing jobs, save up for something you want and it will mean a whole lot more

  442. Tony Weston
    October 22, 2011 / 1:14 am

    Learn budgeting. Set up spreadsheets showing income and breakdown of spending habits to see where your money is going. Fill in every month so that you can see your monthly spend in all major categories and adjust as necessary.

  443. Cait
    October 22, 2011 / 4:07 am

    look after the pennies and the pounds will look after themselves!

  444. Frances Heaton
    October 22, 2011 / 6:44 am

    Neither a borrower nor a lender be!

    It’s always stood me in good stead.

  445. October 22, 2011 / 7:10 am

    dont rush into buing something without shopping around

  446. Alan Wightman
    October 22, 2011 / 7:55 am

    Always save at least 10% of what you earn

  447. hazel rigazio
    October 22, 2011 / 8:36 am

    KEEP A DIARY OF WHAT YOU SPEND OVER ONE MONTH IT’S A REAL EYE OPENER HOW MUCH MONEY IS WASTED ON THINGS YOU REALLY DON’T NEED.

  448. Arabella B
    October 22, 2011 / 9:33 am

    I think instilling the idea that money should work for you rather than spending it all is a good one, to get them investing in their future at an early age so they can reap the rewards later.

  449. Ross Shepherd
    October 22, 2011 / 9:53 am

    A bargin, is not a bargin unless you need it!

  450. Carolynn Woodland
    October 22, 2011 / 10:03 am

    Don’t live beyond your means

  451. Greg Martinez
    October 22, 2011 / 10:04 am

    You don’t have to have something just because your friends do.

  452. Cam
    October 22, 2011 / 10:13 am

    If you can’t afford it, and you don’t need it, don’t buy it.

  453. October 22, 2011 / 11:08 am

    Do you NEED it or do you WANT it ? There is a difference.

  454. Katie
    October 22, 2011 / 11:21 am

    Set up monthly direct debits to pay bills/rent/mortgage to come out after pay day, that way there is no risk of being surprised by huge unexpected bills!

  455. Kyle Spencer
    October 22, 2011 / 11:29 am

    If something is worth having, it’s worth saving for

  456. Steven babington
    October 22, 2011 / 11:30 am

    Always look at the price per 100g in the supermarket as you’ll find that it may be cheaper to buy a different size.

  457. Lynette Lawson
    October 22, 2011 / 11:37 am

    Never get a credit card

  458. James Holyland
    October 22, 2011 / 11:49 am

    save a bit,spend a bit

  459. October 22, 2011 / 11:49 am

    The only way to quickly double your money is to fold it in half.

  460. Patricia Rowlinson
    October 22, 2011 / 12:22 pm

    If you can’t pay cash for it, then save for it.

  461. derek hewitson
    October 22, 2011 / 12:22 pm

    don’t be FLASH WHEN YOU HAVE NO CASH

  462. Ileana Fernandes
    October 22, 2011 / 12:27 pm

    Devise a weekly/monthy budget and stick to it! You will get used to it in time and realise how much you don’t actually need to buy!

  463. Helen Thurston
    October 22, 2011 / 12:33 pm

    Do you really need it – have you not got something already that will do. If not, can you find it cheaper – sales, second hand, etc.

  464. Margaret Akel
    October 22, 2011 / 1:05 pm

    Neither a lender nor a borrower be

  465. Nicola
    October 22, 2011 / 1:24 pm

    ALWAYS shop around for the cheapest product you need before buying!

  466. Lux
    October 22, 2011 / 1:29 pm

    Try to forget that you have it.

  467. Anne Balfour
    October 22, 2011 / 1:30 pm

    I always remember what my lovely old grandma used to say……”if you want something, save for it”. She’s right of course. You will appreciate the item much more and more importantly you won’t get any nasty credit card bills.

  468. Wendy Murray
    October 22, 2011 / 1:38 pm

    Always check a cashback website and always shop around.

  469. san
    October 22, 2011 / 1:46 pm

    Only buy what you need

  470. steph
    October 22, 2011 / 1:50 pm

    like it – no
    want it – no
    need it and can afford it – then get it.

  471. Neil
    October 22, 2011 / 2:35 pm

    Look after the pennies and pounds will look after themselves! 🙂

  472. Christine Matthews
    October 22, 2011 / 3:16 pm

    If you want something, save up and buy it. You will have a much greater feeling of satisfaction knowing you haven’t had to go into debt to get it.

  473. Ruth Grover
    October 22, 2011 / 3:43 pm

    You may want it, but do you need it? It’s nice to have treats of course, so in proportion. Also…before I go out I take some money out of my purse and put it aside. Then I’m not spending all I have!

  474. Tom Gorringe
    October 22, 2011 / 3:46 pm

    If you’re going to make a purchase and it can wait a week then wait and see if you still want/need it a week later. Mostly you won’t!

  475. Mat
    October 22, 2011 / 4:11 pm

    Working hard for something makes you enjoy it more

  476. James C
    October 22, 2011 / 4:35 pm

    Any money you make (pocket money included!) put some aside for a rainy day

  477. Donna C
    October 22, 2011 / 4:44 pm

    If you dont have the money dont buy it, dont get a credit card, just live within your means. Material things wont make you happy if youre going to worry about paying for them

  478. October 22, 2011 / 4:55 pm

    always remember what my lovely old grandma used to say……”if you want something, save for it”. She’s right of course. You will appreciate the item much more and more importantly you won’t get any nasty credit card bills. of ur wills

  479. Sarah
    October 22, 2011 / 4:56 pm

    Make sure you always shop around before buying anything.

  480. October 22, 2011 / 4:56 pm

    always remember what my lovely old father used to say……”if you want something,
    try to do something with a great hard work

  481. Antonia Asher
    October 22, 2011 / 5:00 pm

    Always save for what you really need . Never borrow money .

  482. Sarah Gardiner
    October 22, 2011 / 5:12 pm

    Open a savings account and put all your spare money in it, If something unexpected happens you will have something to fall back on.

  483. Anita
    October 22, 2011 / 5:28 pm

    Prioritise your purchases so that you can get everything you need, when you actually need it.

  484. Mark Palmer
    October 22, 2011 / 5:42 pm

    Avoid debt!

  485. Jo McGawley
    October 22, 2011 / 5:48 pm

    As my Nana used to say….”You may think there will never be a rainy day, but when that storm hits, you`ll be glad you bought an umbrella!!”. The moral was good and I always save something for a rainy day and will pass this down the generations as long as I can.

  486. Maxine
    October 22, 2011 / 5:57 pm

    save a pound, spend a pound

  487. Kirsty C
    October 22, 2011 / 5:57 pm

    There is no such thing as a credit card or interest free credit , it is DEBT, therefore if something is worth having it is worth waiting for until you can pay for it upfront.

  488. Avril Adams
    October 22, 2011 / 6:06 pm

    Never get a store card

  489. Lee campbell
    October 22, 2011 / 6:07 pm

    Start as you mean to go on. If you always save you wont miss that money every week/month.

  490. Mike Ambler
    October 22, 2011 / 6:11 pm

    Use your loaf and eat the crusts.

  491. Dan
    October 22, 2011 / 6:12 pm

    Always budget and don’t spend on something when it can be found cheaper elsewhere.

  492. JOHN VOUTSINAS
    October 22, 2011 / 6:17 pm

    Never say yes the first time you see an item on sale do your research well and above all always look for online prices first

  493. kathleen tregear
    October 22, 2011 / 6:35 pm

    no credit if you want it save

  494. Lottieapple
    October 22, 2011 / 6:41 pm

    Marry a millionaire

  495. Christina Palmer
    October 22, 2011 / 6:47 pm

    Always live within your means and save for what you can’t afford as then it will mean more to you. Never buy on credit

  496. Emma
    October 22, 2011 / 6:48 pm

    There’s an old saying of ‘Take care of the pennies and the pounds will look after themselves’. This has proved very useful for me, so I’d definitely pass it down to my child.

  497. October 22, 2011 / 7:16 pm

    dont forget–always remember that—every little helps!

  498. Jani
    October 22, 2011 / 7:17 pm

    The easiest way to save money is to always set aside, even the smallest amount, from any gifts or earnings you might get. I’d teach my child this from a young age, much like I was taught, which helps them to always have money in the bank.

  499. Clementina
    October 22, 2011 / 7:29 pm

    Save one-tenth of your salary every week/month and keep it for a rainy day 😉

  500. michelle evans
    October 22, 2011 / 7:29 pm

    When your older and go shopping for groceries make sure you eat a meal beforehand so you dont impulse buy. If your hungry when you shop you will buy items you fancy and not budget correctly.

  501. Beth Whelan
    October 22, 2011 / 7:49 pm

    If you save a penny can become a pound!

  502. Sharon Cantrell
    October 22, 2011 / 8:08 pm

    Don’t ever get a credit card.

  503. Hazel
    October 22, 2011 / 8:19 pm

    Never borrow or lend money.

  504. ANNE BAXTER
    October 22, 2011 / 8:26 pm

    Never a lender or a borrower be

  505. Richard Folland
    October 22, 2011 / 8:40 pm

    Don’t buy food unless you’re sure that you’ll eat it.

  506. jane druce
    October 22, 2011 / 8:40 pm

    if you want it thats fine, but can you afford it

  507. Laura Parish
    October 22, 2011 / 8:46 pm

    Look after your pennies and your pounds will look after their selves.

  508. abigail Edkins
    October 22, 2011 / 9:04 pm

    Always keep the pennies….put them in a jar, never throw them away…save for a rainy day

  509. Lauren Crook
    October 22, 2011 / 9:26 pm

    Buy what you NEED and then ration what you WANT.

  510. nikki
    October 22, 2011 / 9:28 pm

    A bargain is not a bargain unless you “need it”. if its just something you fancy/like you’re still spending extra money.

  511. emma hunt
    October 22, 2011 / 9:36 pm

    look after the pennies and the pounds look after themselves.

  512. Martina
    October 22, 2011 / 10:02 pm

    I would teach them to cook so they don’t have to spend money on takeaways.

  513. Charlotte Jones
    October 22, 2011 / 10:03 pm

    Only spend money that you have!

  514. Catherine Whittall
    October 22, 2011 / 10:10 pm

    Don’t spend what you haven’t got

  515. emma cella
    October 22, 2011 / 10:50 pm

    It’s easy to capitulate to the demands of a screaming child in a packed Woolworths on a Saturday afternoon. But don’t do it. Similarly, how often does a ‘swift half’ after work turn into a £40 drinking session? Saying ‘no’ a few times a year will do wonders for your bank account.

  516. Linzy Upton
    October 22, 2011 / 11:01 pm

    If you can, try before you buy; if there is a book, CD or DVD you would like, borrow it from the library first to see if you really want it. Then if you do get some help to find the best price 🙂

  517. ali mckenzie
    October 22, 2011 / 11:31 pm

    look after the pennies and the pounds will take care of themselves is a good old saying but an up to date one would be ‘save up for what you want but keep an eye on Ebay, charity shops, freecycle etc in the meantime and you could get a cheaper alternative while also recycling and saving the planet :-)’

  518. alan cushley
    October 22, 2011 / 11:39 pm

    never gamble

  519. October 23, 2011 / 12:22 am

    Budget,spend a little,save a little

  520. October 23, 2011 / 12:55 am

    Shop around; look for a discount, find the best deal,

  521. Ann Paterson
    October 23, 2011 / 12:55 am

    If income is sixpence more than expenditure, result happiness – if income is sixpence less than expenditure, result misery.

  522. suzzee langton
    October 23, 2011 / 8:39 am

    Dont buy unless you have the cash to buy it!

  523. vicky haddock
    October 23, 2011 / 10:02 am

    Save up for the things that you need, and don’t get into debt

  524. Christina
    October 23, 2011 / 10:03 am

    Don’t leave computers, TV’s etc on standby – waste of electricity

  525. DEBORAH SMITIH
    October 23, 2011 / 10:42 am

    If you can’t afford it at the time: don’t buy it…

  526. mahmood akhter
    October 23, 2011 / 11:27 am

    Listen very attentively to whatever Martin Lewis is saying ,and follow his instructions !

  527. Ian Smith
    October 23, 2011 / 11:52 am

    If you don’t need it, don’t buy it.

  528. Julia
    October 23, 2011 / 12:02 pm

    Shop around for better deals with banks and energy suppliers and don’t be afraid to tell them you’re going elsewhere!

  529. Paul Johnston
    October 23, 2011 / 12:19 pm

    Always save for a rainy day emergency. You never know what is around the corner.

  530. phyllis ellett
    October 23, 2011 / 12:49 pm

    Keep about £1000 back, hidden, do not use. Its that rainy day thing. But stuff happens and its easier, cheaper to use that savings, them borrowing on credit cards etc etc.

  531. peptoabys
    October 23, 2011 / 12:59 pm

    Always put aside 10% of your monthly earnings towards an emergency fund. You never know when you’ll end up with an unexpected bill or house repair.

  532. October 23, 2011 / 1:01 pm

    “Rule No.1: Never lose money. Rule No.2: Never forget rule No.1.”

  533. Pamela Gossage
    October 23, 2011 / 1:57 pm

    Neither a borrower nor a lender be

  534. Ms Susan Rowley
    October 23, 2011 / 2:12 pm

    Try and go food shopping just before the supermarket is closing, that way all of the fresh fruit and veg plus the bakery, will be reduced in price.

  535. cherie marie shaw
    October 23, 2011 / 2:19 pm

    Always shop round for better deals & use price comparison sites to save yourself has much money you can :o) x

  536. Julie Wise
    October 23, 2011 / 2:45 pm

    Work out how much money you have each day to spend, after minusing all your expenditure from your monthly income.

    EG – Monthly Income, minus rent and bills etc, then divide the remainder by days of the month, only spend each day what you can afford, some days dont spend any, then you can save up those days for a weekend blow out or special treat!

  537. Cheryl M
    October 23, 2011 / 3:01 pm

    Never buy on credit – you don’t know if you can afford the repayments in a few months time. If you can’t afford it, don’t buy it.

  538. Laura Whitby
    October 23, 2011 / 3:15 pm

    that second hand isnt bad. use your imagination and turn that bargain into an original.

  539. mark thornton
    October 23, 2011 / 3:21 pm

    spend someone elses money

  540. lindsey jones
    October 23, 2011 / 3:29 pm

    I would tell my children to only spend what they can afford and never to borrow money, if you can’t afford it save up for it x

  541. helen rosbotham
    October 23, 2011 / 3:36 pm

    Make a list and a menu plan when you go food shopping and put away a few pound every week for christmas so you dont run up debts

  542. Barbara Stephenson
    October 23, 2011 / 3:57 pm

    Cook your own food its much cheaper and healthier than prepared meals or takeaways!

  543. Gemma Owen
    October 23, 2011 / 4:19 pm

    Never impulse buy, give yourself some time to think about whether you really need it, whether you can afford it and whether you’ll regret the purchase down the line. Also live within your means…credit may seem like a wonderful option but I’ve ever met a soul who doesn’t regret it later!

  544. Elaine Kidd
    October 23, 2011 / 4:35 pm

    Second hand isn’t second best. I have saved myself and others so much money by recieving and passing on old clothes and toys. Car boot sales are great for toys at low cost and I have bought loads still in a box and like new.

  545. Tina Watson
    October 23, 2011 / 4:36 pm

    Empty your Purse at the end of the day and anything Less then 50p put into a Jar Dont touch it for the whole year and then treat your Self when the year is up with what has been saved.

  546. Mayur Koya
    October 23, 2011 / 4:36 pm

    Always look after your pennies because it will make you rich one day

  547. Jennifer Stokes
    October 23, 2011 / 5:02 pm

    Try to save 20% of your income each week/month. You never know when you might need it!

  548. Dilshad Sharef
    October 23, 2011 / 5:07 pm

    Don’t ever Gamble!

  549. Christine Johnson
    October 23, 2011 / 5:08 pm

    do you really need it

  550. Paul Mellor
    October 23, 2011 / 5:43 pm

    Always pay cash for something you want then when you have the cash in your hand you may realise that you don’t actually need it

  551. helen newton
    October 23, 2011 / 5:44 pm

    Enter competitions like this one and use your winnings as presents/gifts that way you don’t have to put your hand in your pocket.

  552. jessica whitehead-stevens (@jessws2011)
    October 23, 2011 / 5:52 pm

    count the pennies and the pounds will look after themselves

  553. Richard R
    October 23, 2011 / 5:56 pm

    Don’t buy anything you cannot afford and only lend money to buy property

  554. Gemma Poulding
    October 23, 2011 / 6:01 pm

    Don’t waste your money. Save save save and you can enjoy the benefit later

  555. Nikhil
    October 23, 2011 / 6:25 pm

    spend money but in limit

  556. Liz
    October 23, 2011 / 6:42 pm

    If it’s worth having, it’s worth waiting and saving up for.

  557. Stuart MacAllister
    October 23, 2011 / 7:10 pm

    The best money saving tip I could give my children is never spend more than you save!

  558. Jodie
    October 23, 2011 / 7:37 pm

    Try to keep at least 3 months salary in your savings in case of emergencies

  559. Jocelyn
    October 23, 2011 / 7:48 pm

    Work hard, and save.

  560. paula burnside
    October 23, 2011 / 7:53 pm

    always compare prices.

  561. alice
    October 23, 2011 / 7:59 pm

    don’t buy something if you can’t afford it

  562. Fiona
    October 23, 2011 / 8:09 pm

    Think of what you NEED to buy and not what you Want!

  563. Elaine Shaw
    October 23, 2011 / 8:15 pm

    Always put something aside for a rainy day – they come more often than you expect.

  564. Sharon Blevins
    October 23, 2011 / 8:17 pm

    Check the web for discount codes before buying anything online.

  565. Joy Connor
    October 23, 2011 / 8:22 pm

    If your children are like mine, then any money that they have will be burning a hole in their pockets…they are desperate to spend it! So I try to encourage them to set a target to save towards, a large toy or day out or whatever it may be, but something that is out of reach of their normal spending range.

    This is certainly working for us (and them), and is teaching them budgeting and saving and responsibility as well. They also feel quite grown up when going to buy the thing that they have saved hard for, and they appreciate that with some effort comes reward.

  566. Rachel G
    October 23, 2011 / 8:41 pm

    Start saving habit at an early age

  567. LizB
    October 23, 2011 / 8:45 pm

    Use MoneySavingExpert.com to help you make your money go further 🙂

  568. Rhian
    October 23, 2011 / 8:54 pm

    If you need something save for it.

  569. stuart allan
    October 23, 2011 / 8:57 pm

    Will you still want it as bad next week?

  570. Stephanie Gibson
    October 23, 2011 / 8:57 pm

    Learn from your mistakes and try not to borrow to much, practise saving…it makes you feel good

  571. Louise Hall
    October 23, 2011 / 9:40 pm

    Put a jumper on in winter to save putting the thermostat up.

  572. TINA HOLMES
    October 23, 2011 / 9:41 pm

    There is always a coupon or discount code for everything & look a the item and think do you really need it??

  573. Lindy Hine
    October 23, 2011 / 9:42 pm

    Always shop around for the best deal before you buy and don’t be too proud to get things second hand or in a charity shop or Car Boot Sale. It’s cool to recycle and buy “preloved” items 🙂

  574. Danielle Heesom
    October 23, 2011 / 9:53 pm

    count the pennies and the pounds will look after themselves and also if it isint broken dont fix it

  575. SUSAN HALL
    October 23, 2011 / 9:56 pm

    If you see something expensive you want walk away – think about it and see if you can get it cheaper ( my 2 normally have their smart phones on them ) only then go back and buy it – and always ask if there is any discount – it never hurts to ask and even in this country its amazing what money is taken off if you ask

  576. Mel Chambers
    October 23, 2011 / 10:10 pm

    Stay single and don’t have children (tongue in cheek)

  577. Rhydian P
    October 23, 2011 / 11:07 pm

    Before you buy something ask yourself do you need it and can you afford it. If no – don’t buy.

  578. hayley dixon
    October 23, 2011 / 11:15 pm

    If you see a penny on the floor pick it up because pennies make pounds!

  579. October 23, 2011 / 11:40 pm

    Don’t always go for the first deal, search around, even considering second hand, there will always be a better price/deal somewhere else.

  580. Paula T
    October 23, 2011 / 11:47 pm

    Never be a lender or borrower be and Always price check everything

  581. johanna munn
    October 23, 2011 / 11:58 pm

    Be frugal and only buy essentials in general, however enjoy yourself so save for treats and holidays as thats what life is all about 🙂

  582. dorothy cavender
    October 24, 2011 / 3:44 am

    Never take up smoking cigarettes-even at today’s cost of a packet of 20 @ £7.00 per day,
    you are wasting around £2555 per year. LOOK at what you can do with that amount of money year after year and for the rest of your life-could pay for your childrens university fees. Holidays every year,etc-plus it’s harmful to your health and nowadays anti-social.

  583. Elizabeth Smith
    October 24, 2011 / 5:22 am

    Sometimes it’s better to buy something of quality second-hand than it is to buy the same item new and cheap (plus it’s greener too!)

  584. Hazel rush
    October 24, 2011 / 6:27 am

    Always shop around!

  585. samuel
    October 24, 2011 / 8:10 am

    save money as well as spend money

  586. Rachael Lines
    October 24, 2011 / 9:09 am

    Saving generates free money!! Save as much as possible and spend frugally.

  587. Sarah
    October 24, 2011 / 9:25 am

    Don’t treat you credit card balance like a target and don’t treat the money as ‘yours’, it all has to be paid back sooner or later.

    If you can’t clear the balance at the end of each month then stop spending!

  588. Greig spencer
    October 24, 2011 / 9:41 am

    only buy what you can afford dont get credit!

  589. daniel smith
    October 24, 2011 / 9:59 am

    collect tesco clubcard points

  590. Helen Lane
    October 24, 2011 / 10:06 am

    Pay off your mortgage as soon as you can.

  591. Alex Reid
    October 24, 2011 / 10:33 am

    Start a pension early

  592. Maria Reilly
    October 24, 2011 / 10:48 am

    Never take credit!! Debt takes more money than enything else if you let it. xx

  593. carolyn webb
    October 24, 2011 / 11:19 am

    Save Save Save! You have more options with money.

  594. Celia West
    October 24, 2011 / 11:43 am

    Only buy what you can pay for in cash, if you have to save up for something you will always value it more

  595. Kate Leigh
    October 24, 2011 / 12:31 pm

    Never listen to sales spiel. Do your research before you buy and don’t be persuaded by marketing.

  596. Michelle Murray
    October 24, 2011 / 12:55 pm

    10% of your montlhy wage into a savings account

  597. James England
    October 24, 2011 / 12:56 pm

    Take your savings money out first before you buy anything. You may still be overdrawn at the end of the month, but when your’e older, you’ll have more than most.

  598. Kathy
    October 24, 2011 / 12:56 pm

    Always make a list before going food shopping.

  599. Daniel Stacey
    October 24, 2011 / 1:11 pm

    You don’t need to spend money to have fun.

  600. Dessiree Brown-Llaneza
    October 24, 2011 / 1:16 pm

    Always write a list before going food shopping and stick to it, and never go food shopping when you’re really hungry.

  601. amy
    October 24, 2011 / 1:46 pm

    I am going to stress that my child saves money. With how hard it is to get on the property ladder these days I will make sure she starts saving as soon as she’s earning. It’s something I never really did and really regret so I will stress the importance of putting money away to her.

  602. Ken Campbell
    October 24, 2011 / 2:03 pm

    Keep a note of your spending so you know where your money went.

  603. katherine grieve
    October 24, 2011 / 2:04 pm

    Save a little every month, it all adds up

  604. aneurin osborne
    October 24, 2011 / 2:04 pm

    look after the pennies and the pounds will take care of themselves

  605. Sharon
    October 24, 2011 / 2:10 pm

    Don’t buy anything unless you have saved the cash to buy it .. never take out credit or store cards to pay for things

  606. HAYLEY CUNNINGHAM
    October 24, 2011 / 2:11 pm

    10 % wages go into savings

  607. paul lacey
    October 24, 2011 / 2:18 pm

    Learn the difference between want and need. If you want it and can afford it, then by all means buy it, however bare in mind what upcoming purchases you need.

  608. amanda egglestone
    October 24, 2011 / 2:26 pm

    Look after your pennies, because pennies really do make pounds.

  609. Florence Cross
    October 24, 2011 / 2:41 pm

    Only put onto a credit card what you can afford to pay off.

  610. Jeffrey Willis
    October 24, 2011 / 2:55 pm

    If your income falls below the Tax threshold dont forget to claim back any tax deducted from the interest on any savings you have.

  611. Carrieann Bradshaw
    October 24, 2011 / 2:58 pm

    Always check the supermarket websites before you go shopping! It only takes a few minutes and you can see which one has the most relevant offers on each week and head there. The savings can be surprising and it seems to make shopping a more pleasant experience!

  612. Sue Hall
    October 24, 2011 / 3:48 pm

    Only buy what you can afford and if you can’t afford it then save up for it until you can. It gives a child the necessary skills to try and avoid debt in the future, and to realize that you can’t have everything that you want there and then!!!…………

  613. shailesh lathia
    October 24, 2011 / 4:06 pm

    Use comparison websites to see if you can save by shopping elsewhere.

  614. Jon Penner
    October 24, 2011 / 4:11 pm

    Never go food shopping hungry. You’ll always overbuy if you do.

  615. Rebecca Woodroof
    October 24, 2011 / 4:18 pm

    Don’t take out any credit cards as it will only get you into debt by spending more than you can afford.

  616. Alexia
    October 24, 2011 / 4:20 pm

    Yellow sticker shopping for food.

  617. Rebecca John
    October 24, 2011 / 5:07 pm

    Don’t get HP always save for what you want

  618. Ray Gibbins
    October 24, 2011 / 5:29 pm

    Try to stay away from impulse buys.

  619. june smith
    October 24, 2011 / 5:53 pm

    always shop around when making purchases and dont live beyond your means

  620. Joanne Cross
    October 24, 2011 / 6:00 pm

    To always try and put money aside every month in case of an emergency.

  621. Emma Thackery
    October 24, 2011 / 6:08 pm

    if you can’t afford it don’t buy it. try not to have loans and credit cards

  622. David O'Connor
    October 24, 2011 / 6:12 pm

    Don’t use credit to buy things…save to buy them

  623. Ally
    October 24, 2011 / 6:29 pm

    Save money in a high interest saving account and never spend money you don’t have. Also instil upon them that they should never take out a loan when they are older as they will lose money by paying interest on what they borrow. It is better to save money before buying anything because then you will appreciate your purchase more and you will earn money from you savings because the bank will pay you interest.

  624. ryan davis
    October 24, 2011 / 6:40 pm

    dont eat mcdonalds everyday like i do

  625. SUSAN MCMURRAY
    October 24, 2011 / 6:50 pm

    Buy a house at auction and renovate it then sell it on to make a profit.

  626. Rach
    October 24, 2011 / 6:53 pm

    I would advise them to menu plan and make a list when they go to the supermarket, and to never go on an empty stomach.

  627. Maya Russell
    October 24, 2011 / 6:58 pm

    My tip is to set a clock by the phone (if at home) and get to know your tariff very well.

  628. Jilly
    October 24, 2011 / 7:00 pm

    Whatever else you might do, make time to enjoy your life.

  629. Amy C
    October 24, 2011 / 7:29 pm

    It’s a twist on an old one but look after the pennies and the pounds will be there for a lovely holiday at the end of the year. 🙂

  630. Michelle Bamber
    October 24, 2011 / 7:30 pm

    Take cash to spend when shopping it’s amazing how much less you’ll spend than when you stick it on a card!

  631. Amanda Floyd
    October 24, 2011 / 7:34 pm

    Always try to save each month, even if its only a small amount. You never know when you might have an emergency you need to fork out for.

  632. susan willshee
    October 24, 2011 / 7:51 pm

    I tell them never to buy anything the first time they see it. Always walk away from whatever it is they want to buy and have a look around and think about it first. then if they see something else they want instead (or as well) they haven’t spent all their money and they can make a decision.

  633. M.M Wilmot
    October 24, 2011 / 7:53 pm

    Save as much as possible and don’t get tempted by the idea something for nothing

  634. Clare
    October 24, 2011 / 7:53 pm

    always put some money aside each month

  635. Caroline McKenzie
    October 24, 2011 / 8:10 pm

    Always buy the best you can afford but only with money you have.

  636. Stewart Griffiths
    October 24, 2011 / 8:15 pm

    Always save 10% of everything you earn.

  637. Daniel P
    October 24, 2011 / 8:20 pm

    Most Expiry date reduce items in supermarkets can be freezed and used at a later date

  638. Steven Hunter
    October 24, 2011 / 8:31 pm

    Only use credit card for big purchases – not every day ones.

  639. Kerry Kirkwood
    October 24, 2011 / 8:33 pm

    Food shop online, as you can make sure you have all ingredients and don’t impulse buy. The £3 delivery probably saves me about £30 in bits I would just pick up.

  640. NATALIE BRADLEY
    October 24, 2011 / 8:37 pm

    Shop online!

  641. J
    October 24, 2011 / 8:45 pm

    don’t rash buy just because you think you want something

  642. Rob Holroyd
    October 24, 2011 / 8:54 pm

    Always pay your debts.

  643. lucinda duxbury
    October 24, 2011 / 8:55 pm

    my advice is dont borrow to buy things, save up and buy what you need outright, that way you are never owing anything to anyone.

  644. PHILLIP
    October 24, 2011 / 9:05 pm

    The most simple money saving tip to give to your children

    Is to bank with a community Bank.. or with a credit Union

    But what ever you do…

    DO NOT BANK WITH THE TOO BIG TO FAIL BANKS…

    THESE BANKS ARE INSOLVENT AND BANKRUPT…

  645. Cathy Duncan
    October 24, 2011 / 9:23 pm

    Always keep within your budget, when you overspend once it becomes a habit you cannot afford

  646. Lauren main
    October 24, 2011 / 9:23 pm

    Only use credit cards in an absolute emergency…and don’t buy things that Arent worth it, or will be dumped by next week!

  647. Lee Gardner
    October 24, 2011 / 9:30 pm

    never spend more money than you actually have this wil be the downward spiral and once in debt its very hard to get out of it

  648. Sara Duncan
    October 24, 2011 / 9:33 pm

    Never go shopping on an empty stomach!

  649. Angela Sandhu
    October 24, 2011 / 9:42 pm

    Always save a percentage of your monthly wage and only live within your means.

  650. Rachel Fenney
    October 24, 2011 / 9:57 pm

    Try never to buy anything on credit. Always save for what you need, you’ll have more money in the long run.

  651. Rebecca
    October 24, 2011 / 9:58 pm

    Only spend money you have. Never get a credit card!

  652. June Gaynor
    October 24, 2011 / 10:05 pm

    Don’t buy things if you can’t afford them. There is more to life than material possessions.

  653. sion williams
    October 24, 2011 / 10:08 pm

    shop around! look for offers and discount codes before you buy, and put the money you’ve saved in a piggy bank!

  654. Edward
    October 24, 2011 / 10:08 pm

    Never Borrow nor lend money,apart from getting a mortgage.

  655. Jennifer Turnbull
    October 24, 2011 / 10:11 pm

    Get into the habit of saving something out of your pocket money/wages each week/month. It doesn’t matter how much as long as its something.
    Once you are in the habit this will turn into a lifelong thing that you will always do.

  656. Wendy Shippam
    October 24, 2011 / 10:19 pm

    Never do the weekly food shopping on an empty stomach!

  657. Mary Jasko
    October 24, 2011 / 10:20 pm

    Avoid debt – Don’t buy it if haven’t got the money!

  658. Sue Harrison
    October 24, 2011 / 10:42 pm

    Get into the habit of saving and never buy anything you know you can’t really afford.. Always pay off your credit card bill in full each month… if you are using a cashback credit card, they will actually be paying you for spending if you do pay in full.

  659. Lewis
    October 24, 2011 / 10:49 pm

    Get a cashback credit card and use it for everyday purchases, paying it off in full every month. Improves credit rating, teaches money management, and saves extra money.

  660. Andrew Whysall
    October 24, 2011 / 11:04 pm

    Always pay off your credit card bill in full each month

  661. Rachel Edney
    October 24, 2011 / 11:27 pm

    Better to mend than spend

  662. Charlotte H
    October 24, 2011 / 11:32 pm

    Don’t buy anything until you can afford it with actual money!

  663. Stuart Osborne
    October 25, 2011 / 12:32 am

    Don’t marry your Mother!!!

  664. Caroline Scott
    October 25, 2011 / 12:45 am

    every time you see an item of clothing that you “must have”, go and thoroghly raid your wardrobe. You usually find that you have something very very similar already that you had forgotten about!

  665. John Mcgovern
    October 25, 2011 / 4:26 am

    Its easy to buy things with credit cards. It is very difficult to clear the debts you create.

  666. Sean Langridge
    October 25, 2011 / 6:20 am

    Always use cashback sites and voucher codes where ever possible, in a year it really starts to mount up!

  667. Angela Robinson
    October 25, 2011 / 6:48 am

    Compare prices before making a big purchase and always ask if you can get a better deal… From Sky TV to purchasing a number of items from Comet you can often get extra discount if you just ask!

  668. Alice Hindley
    October 25, 2011 / 7:36 am

    Make a budget and stick to it (never spend more than you can afford) and always have emergency funds (save for a rainy day)

  669. October 25, 2011 / 8:10 am

    Never spend more than you can afford and you won’t go wrong

  670. valerie anderson
    October 25, 2011 / 8:30 am

    buy ‘value’ not ‘low cost’

  671. Rory Campion
    October 25, 2011 / 8:43 am

    Only use a credit card in an emergency

  672. lynn savage
    October 25, 2011 / 8:45 am

    Always plan ahead and then budget/save for what you need, being organised with your money means you won’t overspend or go into dept.

  673. Leslie Evans
    October 25, 2011 / 8:56 am

    The Same tip that all should adhere to including Goverments, Income £1: Spend 95p result ‘Happiness’, Spend £1 .05p Result ” Misery”.

  674. Anna E
    October 25, 2011 / 8:56 am

    Make a monthly badget. Make sure it’s realistic so you will be able to stick to it.

  675. lorna anderson
    October 25, 2011 / 9:27 am

    plan ahead

  676. Jordan Gamble
    October 25, 2011 / 9:43 am

    Always check online before buying in the shops!

  677. jessica smith
    October 25, 2011 / 10:04 am

    save, save, save! you might miss out on having small material items when youre younger but youll be happy you did it once you have your own house

  678. Jane Oholleran
    October 25, 2011 / 10:06 am

    Set up a standing order into a savings account each month for what ever you can afford (lets say £50) then at the end of each year you will have a cash lump sum to use as you need it. Either for xmas, birthdays…car insurance! It makes life easier!

  679. Jane Oholleran
    October 25, 2011 / 10:07 am

    Set up a flexible pension from the age of 16 and pay in £100 a month and have the isurer add life cover to it. That way you are covered for your future. In the long run you will be better off!

  680. Jane Oholleran
    October 25, 2011 / 10:09 am

    I have opened a savings plan for my child and when they are 16, I will give it to them to pay into an ISA and recommend to them to keep topping their ISA up each month with any spare money

  681. Jane Oholleran
    October 25, 2011 / 10:10 am

    Always check down the side of the sofa for spare change! Your grandpa always has a few pounds that fall out of his pockets when he gets home from the pub so grab it the next morning and stick it in your piggy bank!

  682. Katherine Coldicott
    October 25, 2011 / 10:20 am

    Save for things you want in life. Don’t get credit or loans.

  683. chirag
    October 25, 2011 / 10:23 am

    keep those pennies saved for those rainy days because when it rains it pours !!

  684. Nicola Fordham
    October 25, 2011 / 10:29 am

    From secondary school I was given all my pocket money & bus money monthly into my bank account, if I spent it I spent it. I learnt to budget really quick!!

  685. Michelle Williams
    October 25, 2011 / 10:49 am

    Never get a credit card, dont be fooled into thinking you can pay it off, it is a trap

  686. Liz Marriott
    October 25, 2011 / 10:52 am

    Always think “Can I mend it?” before chucking anything away

  687. Alison T
    October 25, 2011 / 11:19 am

    Never buy on credit and always put a little money by in a separate account from every wage packet it will surprise you how quickly it mounts up.

  688. Kathryn Casbolt
    October 25, 2011 / 11:37 am

    A lot of truth in the old adage ‘look after the pennies and the pounds will look after themselves’ !!

  689. Pauline Dring
    October 25, 2011 / 11:51 am

    Don’t live beyond your means.

  690. christine burton
    October 25, 2011 / 11:52 am

    THE MORE YOU SOW THE MORE YOU REEP THATS WHAT I TRY TO DO

  691. Afshan Qayyum
    October 25, 2011 / 12:12 pm

    Save Save Save, and never spend what you dont have!

  692. Lou Strachan (@Bobbity666)
    October 25, 2011 / 12:16 pm

    My money saving tip to pass down is only spend what you can afford and never buy anything you need to borrow to have…..

    I have been telling my 19 YO this for years and so far so good!

    @Bobbity666

  693. Steven Montgomery
    October 25, 2011 / 12:18 pm

    Go shopping at night,to get all those marked down, sell by date goods.

  694. ellie bromilow
    October 25, 2011 / 12:27 pm

    I would say…. grasshopper… money saving is a fine art you learn over many years but as long as you dont break the golden rule you shall always fine peace in your finances be them big or small and that is to never spend more than what comes in, that way you never owe the banks because they can get blood out of a stone x

  695. Rachael Farley
    October 25, 2011 / 12:46 pm

    My tip would be to always shop around for everything from Financial Packages to Holidays and make sure you leave yourself enough time to research all the options available. You can save yourself a fortune and learn a lot about a particular product/place along the way

  696. Sheri Darby
    October 25, 2011 / 12:53 pm

    Withdraw a cash amount per week & live on it!!

  697. Tom Hampson
    October 25, 2011 / 12:56 pm

    Don’t get in to debt.

  698. kate
    October 25, 2011 / 1:02 pm

    Watch what you spend and only spend what you have.

  699. Kathleen Connolly
    October 25, 2011 / 1:04 pm

    Don’t smoke and look around for the best deals.

  700. Amy Watson
    October 25, 2011 / 1:11 pm

    Say no to credit cards! Just avoid any temptation of getting into any sort of debt, no matter how small.

  701. Nic
    October 25, 2011 / 1:14 pm

    Only buy it if you can afford it

  702. Jackie Harrison
    October 25, 2011 / 1:18 pm

    Dont smoke and shop around for the best deals

  703. Chloe
    October 25, 2011 / 1:28 pm

    write yourself a monthly budget and stick to it!!! its the only way!!

  704. STEVE
    October 25, 2011 / 1:35 pm

    Never, ever, get credit cards.

  705. annie tappers
    October 25, 2011 / 1:38 pm

    Save little and often, you don’t miss the money and all of a sudden you have a little nest egg towards your dreams.

  706. Sue Law
    October 25, 2011 / 1:45 pm

    Live within your means.

  707. Ian Jones
    October 25, 2011 / 1:45 pm

    You can’t spend what you haven’t got!

  708. Romana Richards
    October 25, 2011 / 1:50 pm

    Save, first in any tax efficient savings like ISAs and then look at what yields your savings can get to help income.

  709. Kate Greenaway
    October 25, 2011 / 1:58 pm

    To always shop around for the best deal, especially online..and for discount vouchers to go with it.

  710. Dan
    October 25, 2011 / 1:58 pm

    Bargain hunt, be savvy!

  711. Abi Scott
    October 25, 2011 / 2:02 pm

    Only spend what you can afford so you don’t end up in your overdraft!

  712. David Price
    October 25, 2011 / 2:05 pm

    Shop around and always look for bargains

  713. Dale Arnold
    October 25, 2011 / 2:06 pm

    Ive got to say avoid credit cards and loans.

  714. Bernie
    October 25, 2011 / 2:27 pm

    Save a little from every pay packet, and think twice before buying anything that is not essential.

  715. Elinor Bevan
    October 25, 2011 / 2:38 pm

    run a cash only house, once the cash is gone you cant spend it!

  716. G G
    October 25, 2011 / 2:42 pm

    Always put a little in savings each week, however small a sum it is

  717. Kim Howard
    October 25, 2011 / 2:46 pm

    Only pay for things in cash.

  718. jason parfitt
    October 25, 2011 / 2:48 pm

    never get a credit card

  719. Daniel Austin
    October 25, 2011 / 3:05 pm

    Never buy anything on credit – wait and save up!

  720. Sarah Ballantyne
    October 25, 2011 / 3:08 pm

    When you get your first job set up a standing order to shift some money each month straight into a savings account (and up the amount every time you get a pay increase) – you won’t miss the money as long it comes out right from the start and even a few pounds each month soon adds up. I’m glad my dad passed this tip on to me, we’ve had some fantastic holidays out of that savings account!

  721. Nancy Schneider
    October 25, 2011 / 3:13 pm

    look after the pennies and the pounds will look after themselves

  722. Kelly Brooks
    October 25, 2011 / 3:13 pm

    Always shop around for the best deal

  723. Helen Talboys
    October 25, 2011 / 3:14 pm

    If you have to think wether you can afford to buy something then the chances are you can’t .

  724. gillian werrett
    October 25, 2011 / 3:15 pm

    save up for what you want, rather than relying on credit

  725. October 25, 2011 / 3:19 pm

    I tell my boys… Every penny counts! Put it in a glass jar and you will see the pennies grow

  726. Cassandra Fryer
    October 25, 2011 / 3:21 pm

    I will start by making them earn their pocket money, so they appreciate it more. Plus, I will try to share what little knowledge I have and I always try to buy purchases out-right and don’t use credit.

  727. michelle olner
    October 25, 2011 / 3:23 pm

    when you see something you want to buy, wait 24 hours before buying it. normally the feeling of wanting it has gone by then and you’ve saved money

  728. Wendy Swinson
    October 25, 2011 / 3:26 pm

    Don’t take on unnecessary debt.

  729. Rachel
    October 25, 2011 / 3:30 pm

    Ask yourself if you really need it.

  730. Lisa Rowsell
    October 25, 2011 / 3:31 pm

    Mend, and make do with what you’ve got the majority of the time.

  731. Gilly Archer
    October 25, 2011 / 3:42 pm

    Look after the pennies and the pounds will look after themselves!

  732. CHARLOTTE MANNING
    October 25, 2011 / 4:06 pm

    Shop around dont buy on impulse

  733. frankie rigazio
    October 25, 2011 / 4:20 pm

    I would advise my children not to buy anything brand new unless they really have to.I was brought up in extreme poverty with second hand furniture from charity shops,second hand toys and clothing.I am severly disabled following an injury at work.It was very close to christmas and my sons wanted play station games.I looked in second hand games stores and the games were a fraction of the cost of high street stores,we also got toys from ad’s in shops and newspaper and from car boot sales.clothing from the charity shop were all in great condition and my sons were always dressed nice.We needed new several items for the house so i managed to furnish the house for a fraction of the price.The best money saving tip i would pass onto them is buy used and never be ashamed of doing so and you will be helping a good cause too

  734. October 25, 2011 / 4:24 pm

    Save a little every month ian account yu have to go to a bank to access.

  735. Ruth Hunter
    October 25, 2011 / 4:24 pm

    Never get credit if you can’t pay it back without interest

  736. david wilson
    October 25, 2011 / 4:25 pm

    Use cashback sites

  737. Zahra Khurshid
    October 25, 2011 / 4:27 pm

    Always have a little saved for a rainy day.

  738. sopie estelle
    October 25, 2011 / 4:30 pm

    save 10% of every money you get and buy what you need not what you want.

  739. Lona Jones
    October 25, 2011 / 4:34 pm

    Buy what you can afford only. Do’nt be tempted by credit cards!

  740. mICHELLE GIBBONS
    October 25, 2011 / 4:37 pm

    To recycle and reuse where ever you can.,

  741. Claire Sims
    October 25, 2011 / 4:44 pm

    Set up a standing order for a regular amount into a savings account, you will soon get used to it going out like a normal bill and overtime will build up a nice amount hopefully.

  742. Paula Reid
    October 25, 2011 / 4:53 pm

    Always pay your credit card bills off as soon as you receive them.

  743. Paul Marshall
    October 25, 2011 / 4:54 pm

    Don’t drink or smoke whatever you do and the pennies will look after themselves!!!

  744. ellen
    October 25, 2011 / 4:58 pm

    Always stay on top of your bills

  745. Jay
    October 25, 2011 / 5:00 pm

    dont spend more than you have!

  746. toniq
    October 25, 2011 / 5:08 pm

    You are never too young to start saving

  747. Michael Finch
    October 25, 2011 / 5:19 pm

    Always save 10% of what you earn. You then never miss it and have a great nestegg

  748. diane forster
    October 25, 2011 / 5:32 pm

    dont spend it all at once

  749. mohammed butt
    October 25, 2011 / 5:32 pm

    dont buy it unless you need it !

  750. tony houghton
    October 25, 2011 / 5:50 pm

    only buy stuff when you have the money for it

  751. Stuart Makin
    October 25, 2011 / 5:52 pm

    Before spending money follow this process of questioning.

    1. Do I need it? If yes go to 2. If no go to 3.
    2. Can I get it cheaper?
    3. Do I want it? If yes go to 4. If no don’t buy it.
    4. Can I afford it? If no don’t buy it. If yes, go to 2.

  752. Heather Walsh
    October 25, 2011 / 5:55 pm

    Only buy what you really need

  753. michelle moloney
    October 25, 2011 / 6:22 pm

    decide how much your allowed to spend on not needed things each month and never go over that.

  754. Cheryl
    October 25, 2011 / 6:25 pm

    Waste not,want not!

  755. Jeremy Hards
    October 25, 2011 / 6:26 pm

    Don’t buy it until you have the money to pay for it. Save getting into debt until you need it for a mortgage.

  756. Colette Mellor
    October 25, 2011 / 6:27 pm

    Shop around – don’t buy on impulse as there may be a cheaper retailer just around the corner.

  757. Alison Sherwood
    October 25, 2011 / 6:40 pm

    Save £2 coins for a rainy day you never know when you will need them and they mount up so quick!

  758. Marian Coburn
    October 25, 2011 / 6:40 pm

    I would teach them how to budget properly so they don’t get into debt, also that they should save some money each month no matter how little. These days with the Internet it’s so easy to shop about to find the best deals too.

  759. vicky cockett
    October 25, 2011 / 6:45 pm

    keep track of your accounts, by keeping a book, with money coming in and out and total…and write in when bills are due, or direct debits go out, that way you know what you have left over to play with, x

  760. Andy
    October 25, 2011 / 6:54 pm

    When/if you go to Uni, go to one close to home, so you can stay at home and not have to pay for student digs.

  761. Cara
    October 25, 2011 / 7:02 pm

    If you dont have it dont spend it.

  762. laura gibby
    October 25, 2011 / 7:06 pm

    save money will in turn lead you to make money through interest! so save as much as you can!

  763. Sally Hay
    October 25, 2011 / 7:07 pm

    Get an allotment and grow your own fruit and veg.

  764. sion gibby
    October 25, 2011 / 7:07 pm

    start saving for a pension now–you’ll be glad you did it when you’re 70!

  765. Janine Atkin
    October 25, 2011 / 7:10 pm

    save up for the things you want. You will appreciate it more when you didnt get into debt to get it

  766. Pauline Appleton
    October 25, 2011 / 7:11 pm

    Stick to a budget and try to save something every week/month, even if its only a little amount as the saying goes, Look after the pennies and the pounds look after themselves

  767. yorkshirejumbo
    October 25, 2011 / 7:25 pm

    Only buy something if you actually need it AND can afford it

  768. Katie Simmonds
    October 25, 2011 / 7:27 pm

    Shop around!

  769. Emma Wolski
    October 25, 2011 / 7:30 pm

    When grocery shopping do one big shop to start you off and then just buy fresh as you go. If you go to Tesco weekly like I did every shop was £100+ and I end up wasting soooo much! Now We stock up the cupboards with all the dry foods and freezer once every few months and just buy fresh fruit, meat and veg every couple days. I am saving lots of money by doing this. We are healthier, don’t waste food and think about proper meal times now instead of snacking of lots of rubbish and then not being hungry!!! I really enjoy cooking now. Also don’t go to the supermarket Hungry!!!!

  770. Mark
    October 25, 2011 / 7:37 pm

    Don’t get credit. Ever.

  771. Conny Jones
    October 25, 2011 / 7:38 pm

    I worked out toghether with my daughter how much she could spend per day when she went to uni. If she keeps to that she won’t need any loans apert from her student loans.

  772. Steven Burgoyne
    October 25, 2011 / 7:38 pm

    See it. Save for it. Only when you have saved enough money, buy it.

  773. Susan Parker
    October 25, 2011 / 7:45 pm

    Only spend what you’ve got, never borrow from anyone. If there is something big you want then save up for it and then you will appreciate it alot more.

  774. Charlotte A
    October 25, 2011 / 7:45 pm

    Have a separate account and put a certain amount into it at the start of every month. Budget for less than you earn so you always have a buffer zone if you get into trouble.

  775. graeme potter
    October 25, 2011 / 7:46 pm

    Shop locally you can always pop up the road if you run out rather than buy too much stuff and waist it when it goes off.

  776. Nancy Bradford
    October 25, 2011 / 7:54 pm

    Always have ordinary tap water when eating out. You’d be surpised how much you save.

  777. Brenda Cairns
    October 25, 2011 / 7:56 pm

    put small change in a mony tin and you will soon have enough for a treat

  778. Andy Wilmore
    October 25, 2011 / 8:05 pm

    No matter how bad you want something, stay away from the credit cards !

  779. Chris
    October 25, 2011 / 8:11 pm

    Don’t pay the early adopters premium, wait for new models to come down in price.
    Never buy a brand new car.

  780. wendy burgess
    October 25, 2011 / 8:12 pm

    never buy anything on credit, save up for what you want

  781. Else
    October 25, 2011 / 8:16 pm

    Try BEFORE you buy. If you want a book, computer game, CD or DVD go to a library or video shop to try it out first. You may find you didn’t like it as much as you thought you would and you might not buy it, which will save your cash for something else!

  782. Georgie Aronin
    October 25, 2011 / 8:16 pm

    Don’t keep borrowing off of mum and dad!

  783. Jennifer Dyson
    October 25, 2011 / 8:18 pm

    Shop around before buying anything to make sure you get it at the best price and only spend what you have

  784. Jenny Barker
    October 25, 2011 / 8:21 pm

    How to budget for a month :0)xx

  785. Lisa Mahon
    October 25, 2011 / 8:21 pm

    When food shopping always, always go at reducing time and anything that is due to go out of date, where possible freeze. Sometimes they reduce items down by 90% so you save a fortune!

  786. Gary Humphrey
    October 25, 2011 / 8:26 pm

    avoid credita cards and save for things you want

  787. Gary Humphrey
    October 25, 2011 / 8:26 pm

    buy stocks and shares.

  788. Julia Cook
    October 25, 2011 / 8:28 pm

    absolutely do not get into debt!

  789. M Evans
    October 25, 2011 / 8:28 pm

    Neither a borrower nor a lender be!!!!!!!!!!!!!!!

  790. EVA MSE AVELTE
    October 25, 2011 / 8:29 pm

    30 % of your income go to saving for a rainy day

  791. Ro
    October 25, 2011 / 8:30 pm

    When you get extra pocket money don’t spend it all at once.

    Spend some and save some and then you will be able to buy that toy you really want but thought you could not afford.

  792. Laura
    October 25, 2011 / 8:30 pm

    Learn the difference between what you want and what you need.

  793. LORRAINE ANDERSON
    October 25, 2011 / 8:31 pm

    Save the pennies and look after the pounds

  794. Charlotte
    October 25, 2011 / 8:33 pm

    Don’t spend more than you have!

  795. Petra
    October 25, 2011 / 8:34 pm

    I am going to teach my daughter how to swap clothes and organize swishing party. It is very cheap way of getting new clothes and very eco friendly.

  796. Edinacat
    October 25, 2011 / 8:41 pm

    Save! Always think twice and look into things before you buy. Don’t go into debt until you get a mortgage.

  797. Katrina
    October 25, 2011 / 8:44 pm

    Always put something by for a rainy day. You won’t miss it and you’ll be glad of it when needed!

  798. john pepworth
    October 25, 2011 / 8:45 pm

    Charity starts at home so dont get into debt
    Say no to credit cards
    Say no to loans
    And no hp….

  799. Chris Driver
    October 25, 2011 / 8:50 pm

    My daughter hates copper and when buys something herself usually puts it in charity box. Keep it get a big money box and over year all that copper will come in handy.

  800. October 25, 2011 / 8:59 pm

    Don’t spend it all on sweets! Spend it on something useful

  801. sharon alderson
    October 25, 2011 / 9:00 pm

    If you haven’t got it – don’t spend it

  802. cheryl fothergill
    October 25, 2011 / 9:00 pm

    can you fix it before you replace it!

  803. Ruth Worthington
    October 25, 2011 / 9:03 pm

    Only take cash out with you. Leave the plastic at home.

  804. Tolu
    October 25, 2011 / 9:11 pm

    Do not ever take out a credit card, if you don’t have it , don’t spend it!

  805. Helen Caldwell
    October 25, 2011 / 9:11 pm

    The only loan they should take out is their mortgage. No other loan is vital – just do without what you don’t really need!

  806. Catherine McAlinden
    October 25, 2011 / 9:17 pm

    Look after the pennies, and the pounds will look after themselves.

  807. Jayne K
    October 25, 2011 / 9:19 pm

    The question “Do I want it or do I need it?” is a great money saver when times are hard.

  808. Oliver Evans
    October 25, 2011 / 9:20 pm

    Live within your means, if you can’t afford it, then you can’t have it… that’s how I have been brought up and it’s works wonders, never had a credit card! Sure it will work for the kids too 🙂

  809. October 25, 2011 / 9:23 pm

    Always try to save some money for emergencies,save up for luxury items and always pay all your basic bills before indulging in luxury buys

  810. kim corke
    October 25, 2011 / 9:23 pm

    When your child wants to buy something expensive and they don’t realise the value of money, ask them how long it would take them to work to get it. Eg, one days wages is £80 so it takes one hour of daily work to spend £10. If they are earning they tend to think twice before wasting their money when they know how long it takes them to work to get it.

  811. Nicole S.
    October 25, 2011 / 9:28 pm

    Only spend what you have, do not rely on credit cards!

  812. Kelly Padwick
    October 25, 2011 / 9:32 pm

    I always make my girls save up for treats and then when they see how much money they have saved and the cost of that treat, sometimes they just keep saving the money and decide not to buy it. It makes them realise what they actually want, and they never buy anything they wont use now.

  813. Andrena Harrison
    October 25, 2011 / 9:35 pm

    Think before you buy!
    Do you NEED it or do you just WANT it?

  814. Angie Hoggett
    October 25, 2011 / 9:35 pm

    Always save for a rainy day because you never know what cards life will deal.

  815. Vicky Smith
    October 25, 2011 / 9:42 pm

    If you want it, save up for it!

  816. donna
    October 25, 2011 / 9:45 pm

    Always use scissors on credit cards and cut into very small pieces 😉

  817. leanne phillips
    October 25, 2011 / 9:50 pm

    if you want it save for it!!

  818. Helen Greatorex
    October 25, 2011 / 9:50 pm

    Think carefully before buying – do I really need that or can I manage without it????

  819. Diane Humbles
    October 25, 2011 / 9:50 pm

    turn off the lights when you leave the room!

  820. Richard Harrison
    October 25, 2011 / 9:55 pm

    save as much money as you can. when you are older and you want to enjoy live more you should benefit.

  821. mark johnson
    October 25, 2011 / 9:57 pm

    if you don’t have it, don’t spend it

  822. James Woodcock
    October 25, 2011 / 9:59 pm

    To put a small amount away each week

  823. Rachel
    October 25, 2011 / 10:00 pm

    Don’t use credit- if you cant afford it, save up

  824. Dawn McBean
    October 25, 2011 / 10:04 pm

    Think before you buy

  825. Viks
    October 25, 2011 / 10:05 pm

    Save like your daddy and don’t spend like your mummy!

  826. Ian Graham
    October 25, 2011 / 10:11 pm

    if you cant afford it – dont buy it!

  827. Susan Norminton
    October 25, 2011 / 10:22 pm

    Turn off the lights as you leave the room, look after the pennies and the pounds will look after themselves

  828. MARY MULLARKEY
    October 25, 2011 / 10:25 pm

    When shopping, only buy what you really really need, no impulsive buys, that’s where the money goes.

  829. Dawn Totton
    October 25, 2011 / 10:29 pm

    Always make sure that you have a savings account with some money put away for emergencies so that you won’t need to use credit cards.

  830. terina davidson
    October 25, 2011 / 10:30 pm

    always be a smart spender,look for the bargins & be a wise saver,always put a little amount by each payday.

  831. Natalie Holland
    October 25, 2011 / 10:32 pm

    Save your penny’s! We did last year at eneded up with £750. Get a pot you can’t open without smashing. Also – avoid credit cards. unless you intend to pay off each month.

  832. Prerna Gupta
    October 25, 2011 / 10:35 pm

    Always ask yourself before buying.’ Do I Really need it?’ and always put aside some money for rainy days!

  833. October 25, 2011 / 10:38 pm

    Best tip i can give thats always worked for us is to make them always save 20% of whatever money they get. That 20% no matter how small the amount taken from will soon add up over the years and gets them in the habit of saving.

  834. Rachel Jeffrey
    October 25, 2011 / 10:40 pm

    Always save for a Rainy Day cause that Rainy Day may come when you least expect it, My Dad taught me this and im so gald he did

  835. Jacqueline Petty
    October 25, 2011 / 10:45 pm

    Make sure you do your homework and shop around…… and always use Money off Coupons/Vouchers when you can!

  836. Yusra
    October 25, 2011 / 10:50 pm

    Have a money tin which cannot be opened, in this way you will save money and you wont be able to take money from it no matter how tempted you are. When it is full, you may break it open. Another money saving tip is to only take a certain amount of money with you when going out so u aren’t tempted to spend more than you need to. Have a target amount of money which you aim to save up to , this will make it easier to save as you will want to hit that target.

  837. Maddy
    October 25, 2011 / 10:50 pm

    What you spend isn’t a measure of how much you care…

  838. Maddy
    October 25, 2011 / 10:51 pm

    True friends will value your prescence far higher that your presents.

  839. NATALIE
    October 25, 2011 / 10:56 pm

    Look after the pennies……..

  840. Judith Luscombe
    October 25, 2011 / 10:59 pm

    Dont go shopping for food when you are hungry!!

  841. Gill Abrahams
    October 25, 2011 / 11:04 pm

    Think ‘do I need it’, not just ‘do I want it’.

  842. Zee Jay
    October 25, 2011 / 11:06 pm

    Don’t buy things just to keep up with the Joneses… at the end of the day you have to pay it all back when you take on debt, and the Joneses won’t be very impressed with that!

  843. Jo Boyd
    October 25, 2011 / 11:39 pm

    If you’re not using it, turn it off!

  844. Jane
    October 25, 2011 / 11:41 pm

    Always ask yourself before you buy something – do I really need it?

  845. Allan
    October 25, 2011 / 11:44 pm

    Don’t spend your money on little bits, save up for something bigger that you might really enjoy

  846. sairz-mse
    October 25, 2011 / 11:44 pm

    Look after the pennies… You earned each one – think about how long it took to earn them 🙂

  847. Jill Jones
    October 25, 2011 / 11:48 pm

    I wish to pass on to my children the same philosophy that my parents instillled in me throughout my youth and by which I still live my life and that is ‘Waste Not Want Not’. Apart from mortgage I have never had any debt as I alwasy live within my means and is I can’t afford something I wait until I can. Things are far more appreciated when well earned and longed for.

  848. Rebecca Denyer
    October 25, 2011 / 11:56 pm

    I would tell my children to never buy anything unless they can afford to pay for it in cash, borrowing only ever leads to debt

  849. L P Mulligan
    October 26, 2011 / 12:03 am

    Luxury should be only used as a treat. It is something inessential but conducive to pleasure and comfort. For the child to have an understanding of essentials and inessentials in their formative years should give them a positive grounding in financial wisdom.

  850. Donna Burwell
    October 26, 2011 / 12:08 am

    I hope they will learn that most expensive does not automatically mean the best.

  851. Jeanette Hunter
    October 26, 2011 / 12:18 am

    ask yourself do you really need it before you buy anything
    if you cant afford it, dont get it
    don’t go getting into debt
    credit cards can be evil

  852. Rebekah Powley
    October 26, 2011 / 12:22 am

    Mum gave me some great tips when I left home for university.

    The best was write EVERYTHING down. All your income, all your expenditure, it quickly becomes obvious where you whittle your money away! (mine was being whittled away on my 11am snack at coffee at uni!) Its really useful, and is a great skill for the future when I’m in charge of much larger sums of money!

    Also. I have had a job since my 15th birthday, not because I had to, but my parents thought it would be a good idea for me to realise the importance of working for your money, I quickly begin to think not in terms of “ooh thats £30 for a top” but in terms of “that top is 5 hours work!” It quickly makes you realise quite how expensive the world is! Plus it made me feel so much better when I did buy things knowing I’d earnt it!

    xx

  853. Sue Robinson
    October 26, 2011 / 12:23 am

    Buy supermarket own brands for everyday essentials so you can spend a little more on a couple of good quality treats when doing your grocery shopping.

  854. Clare Webb
    October 26, 2011 / 12:25 am

    Save every penny you can. They already have their own money boxes and bank accounts.

  855. Brian Williams
    October 26, 2011 / 12:32 am

    Neither a lender or a borrower be.

  856. October 26, 2011 / 12:45 am

    Always ask for a discount – if you don’t ask you don’t get!

  857. Isabelle Smith
    October 26, 2011 / 1:13 am

    dont go crazy in your first year of uni.. in way too much overdraft right now

  858. Matthew Fuller
    October 26, 2011 / 1:16 am

    To ask themselves..would this item really enhance my life enough to be woth buying if I don’t really have the money to pay for it…..?

  859. Mr Michael Ramchaitar
    October 26, 2011 / 1:22 am

    I would give my child the same advice my mother gave to me, ” Save your penies and penies shall soon amount to pounds”.

  860. Christine C
    October 26, 2011 / 1:23 am

    As soon as you start work put some of it into savings every week. If you get into the habit early enough and save say £20 every week you could easily retire comfortably by the time you are 40.

  861. DANIELLE
    October 26, 2011 / 1:24 am

    No store cards, credit cards and loans – you will be paying them off for years and will cost you money, stress and sleep

  862. Diane Rice
    October 26, 2011 / 1:33 am

    Do not think you deserve to have evrything just like that. Work hard to save for things. You’ll have no debt and will appreciate things more.

  863. October 26, 2011 / 1:50 am

    When you go shopping, make a list before you go and stick to it!

    (oh, also, don’t smoke, don’t drink, don’t gamble. It’ll save loads!)

  864. margherita
    October 26, 2011 / 1:55 am

    NEVER EVER buy anything full price, ALWAYS wait for sales or look for offers!

  865. Andrea K
    October 26, 2011 / 2:13 am

    only buy something if you have the cash to pay for it

  866. Sharon Bell
    October 26, 2011 / 2:25 am

    Explaining the bad sides of money, the getting into debt spending money on items/things that are not necessary.

    Warn them about credit cards, loans and the mega APR on them.

    Basically give them a lesson in finances which I believe schools don’t do enough on when educating our children.

  867. Amanda Rose
    October 26, 2011 / 2:26 am

    Recycle as much as possible and put spare coins or coins you find whilst out into a jar and put it in a Bank whenever you can.

  868. Natalie moore
    October 26, 2011 / 2:26 am

    To treat your savings like bills, set up a regular monthly payment. No credit cards and only buy something you could afford to buy twice.

  869. wylie
    October 26, 2011 / 2:31 am

    the more you put in, the more you’ll get out. oh and “every little helps”.

  870. Amy P
    October 26, 2011 / 2:52 am

    Try and save birthday/xmas money. After a while it adds up.

  871. Greg
    October 26, 2011 / 3:39 am

    invest in Gold

  872. Alexander Beaven
    October 26, 2011 / 4:27 am

    Be prudent with your money & ask yourself can you survive without it.Have at least three months wages saved up for an emergence.

  873. Claire Newby
    October 26, 2011 / 6:16 am

    Compare, compare and compare again…no matter what you’re buying, whether car insurance or an xbox game always check a few places for a better price before you buy.

  874. Jane Morrice
    October 26, 2011 / 6:41 am

    Keep back 10% of your pocket money and learn to save it up for big things that you want.

  875. JOHN MEAD
    October 26, 2011 / 7:04 am

    Spend half, Save Half!

  876. Sam Scott
    October 26, 2011 / 7:19 am

    Start your pension early and have a savings account that takes 3-5days to access it because it makes you think when you have to wait for the money to be available

  877. Ellie Peabody
    October 26, 2011 / 7:54 am

    Educate yourself about products available – use comparison websites, and review websites. Good value is not always dependent on price. It can be worth paying more for an item that will last longer.

  878. Rachel H
    October 26, 2011 / 7:58 am

    I’ve taught my 3 daughters to cook. They’ll never have to rely on anyone else to feed them and they can save loads of money buying fresh ingredients and being thrifty.

  879. October 26, 2011 / 8:08 am

    Don’t borrow – save for it.

  880. sandra nixon
    October 26, 2011 / 8:17 am

    Spend wisely, save more

  881. Dorothy McDowell
    October 26, 2011 / 8:31 am

    do look after the pennies………..and always save

  882. kelly rushworth
    October 26, 2011 / 8:42 am

    all my children have learnt from an early age the value of money and they have all been taught to shop around for the best deal for what they want when they have managed to earn and save enough money to buy it they all love the fact they can save a bit of money by looking in different shops or online for that one product

  883. J. Gallant
    October 26, 2011 / 8:51 am

    I would say to enjoy their lives without getting into too much debt.

  884. shirley giles
    October 26, 2011 / 8:52 am

    save for a rainy day

  885. Lucy C
    October 26, 2011 / 8:58 am

    always shop around for bargains, don’t pay over the odds for something just because you haven’t looked elsewhere!

  886. Andrew Todd
    October 26, 2011 / 8:59 am

    initially use a pay-as-you-go phone contract to appreciate the value of money.

  887. Claire Nelson
    October 26, 2011 / 9:02 am

    Always think about why you want something and can you afford it. Never spend more than you can afford and respect your possessions so that they have longevity.

  888. darren l
    October 26, 2011 / 9:13 am

    save save save for a rain day

  889. GILL TORRI
    October 26, 2011 / 9:13 am

    Don’t buy anything unless you’ve waited 24 hours – you’ll probably find you no longer want it

  890. Sheila Reeves
    October 26, 2011 / 9:27 am

    Search on-line when buying anything, check out best prices – and use a cash-back site too!

  891. Mark Sutton
    October 26, 2011 / 9:42 am

    Start a pension at 18 / put half of everything you earn into savings….you will be able to retire earlier and be comfortable to enjoy life..get a trade…and work for yourself if possible.

  892. Natalie Purkiss
    October 26, 2011 / 9:44 am

    I intend to teach my children the value of money, and to question whenever they buy something to think a) Do they really want it, b) Do they really need it and c) Can you really afford it.

  893. lucy timcke
    October 26, 2011 / 9:52 am

    Always shop arround online first to get the best deal,

    Dont buy new when you can get it second hand for half the price

    Keeping your money in two places eg bank accounts one for bills and one for spending that way you can never accidently spend your bill money.

    My favourite is have a pot you fill with your change! we do this every year will fill it with our 1p 2p 5p and by december when we empty it and get it changed up we always have arround £100 ! then we start again in january, just shows every 1p adds up!

  894. TLAF
    October 26, 2011 / 9:56 am

    Live within your means. Don’t be tempted to borrow in order to live a lifestyle you cannot afford

  895. Victoria Parry
    October 26, 2011 / 9:57 am

    Make lists for everything, have a budget & stick to it & always put money aside for unexpected incidents!

  896. Paul Witney
    October 26, 2011 / 10:07 am

    Never pay full price for anything. Always buy on offer or online.

  897. Sarah Parker
    October 26, 2011 / 10:12 am

    shop around for the best price of items to save money 🙂

  898. Adrian Clarke
    October 26, 2011 / 10:23 am

    I would tell them to save a percentage of their pocket , birthday & xmas money.
    They will realise how important it was once they need a deposit to buy a house.

  899. John Mills
    October 26, 2011 / 10:47 am

    To value the love of family and friends an not to be too concerned with material possessions.

  900. claire goodwin
    October 26, 2011 / 10:48 am

    I tell my children to never spend all you have, always save a little for when you a short of cash. Also to always save up for things you want, never borrow and get things on the never never, you only end up with debt. Its better to save up and buy it outright as this always makes you appreciate things more.

  901. Claire Butler
    October 26, 2011 / 10:48 am

    Dont buy cheap buy quality items on sale. As so often if you buy cheap you buy twice
    Unless im desperate for something , i decide what i want and keep checking the web for special offers/slae every few weeks until it becomes a price i want to pay.

  902. Hannah Beadle
    October 26, 2011 / 11:04 am

    My mum told me a saying “Look after the pennies and the pounds will look after themselves” and it is so true I will pass this down to my children

  903. christine mutter
    October 26, 2011 / 11:04 am

    I was an impulse buyer and wasted lots of money on items that I didn’t need. My tip would be to wait a week before buying a luxery item, and if you still wanted it buy it.

  904. Christine Bray
    October 26, 2011 / 11:05 am

    I live my life and passed on to my children the ‘Waste Not Want Not idiology’.

    Live within your means and save for what you want.

  905. clare leahy
    October 26, 2011 / 11:11 am

    i would encourage my children to use cash .. its all too easy to spend what you cant afford when you arent physically handing it over.
    but for money saving .. i would pass on the good old tip of not shopping on an empty stomach !!! if im hungry when im shopping i buy far more than if i have just eaten , it really is a noticable amount 🙂

  906. f.w.coxon
    October 26, 2011 / 11:18 am

    I would tell them to remember that you very raely get something for nothing, so if they want anything in life they have to go out and earn it

  907. Mark Bolton
    October 26, 2011 / 11:42 am

    Just Simply dont spend beyond your means. x

  908. Cherryl Thomas
    November 6, 2011 / 4:10 pm

    Never spend any more than you have! Debt is very, very expensive!

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