Don’t let the credit crunch cramp your lifestyle. You can still throw that dinner party, turn heads with your wardrobe and keep the heating on. You just need to nip and tuck your daily outgoings…

Please help everyone you can to beat the credit crunch. It is a crucial time to help your friends and family in any way you can. We urge you to tell everybody you know about this information we have put together for you.

Here are 50 great ways to save and make money during the credit crunch.

Business

1) Start your own business, start your own business from home today. CLICK HERE to see one we recommend . Thousands of people just like you are enjoying fantastic incomes from home, with only a few hours per day to spare – a full time income is also possible if you have a little more time.

Food

2) Give up your daily latte, hot chocolate etc. You could save a staggering £10 a week.

3) Plan a weeks worth of meals, make a list of ingredients, and shop for those items only – that way, no food will go to waste and you’ll be less tempted to buy those unnecessary goodies.

4) Go for supermarkets own brand. They’re cheaper and for the basics rather than the finest – the difference is often little more than the packaging.

5) Take a packed lunch to work. You could save about £5 a day, and cut down on calories.

6) Use up left over’s, meat scraps, and all the off cuts of vegetables, can be transformed into stock and used to make soups, stews and gravy. You may be able to use the left over’s and create a tasty pie.

7) Don’t throw away the ends of dry cheese. Put scraps of cheddar and parmesan into an airtight container and use in soups and bakes.

8) Try to cook a bit more than you need of things like lasagne, stew and shepherds pie, then freeze small portions. You then have your own homemade ready meals! Cheaper (and Healthier) than the frozen ready meals you’d otherwise use when you want to save time.

9) Freeze leftover red wine. Put leftover red wine into an ice tray – the cubes can be added easily to sauces and will save opening a new bottle for cooking.

10) Defy Delia. Don’t cheat by assembling food from tins and frozen mash, cook it yourself. It’s far cheaper as well as nicer.

11) Buy in bulk. Markets and greengrocers will give good deals on apples, potatoes etc, if you buy by the box.

12) Grow your own. Find a corner of the garden to sow a rich variety of salad leaves, which grow like weeds.

13) Drink tap water instead of buying bottled water. If you leave it to stand for half an hour, the slight chlorine taste goes away. You can also flavour it with fresh mint or lemon.

14) Shop for groceries on Wednesdays. Order your online shopping midweek from www.tesco.com and save up to £1.75 on weekend charges.

House and Home

15) Subscribe to which? Magazine (www.which.magazine.co.uk) to get the best buy on consumer goods. It’s offering a three-month trial for £3, after which each issue will be £6.25 a month.

16 )Don’t accept the first call package suggested by your mobile phone company. They pitch them at a level where you are likely to exceed the quota of calls and texts so that you then pay extra call costs. Go for one that costs slightly more but will allow you to stay under your quota.

17) Draw up a will using a DIY Kit (14.99 from WH Smith) instead of paying a solicitor to do it for you.

18) Buy kitchenware from catering suppliers rather than department stores. It will be much cheaper.

19) Make your own birthday cards. Can be much nicer and more personal.

20) Make your own compost using fruit and vegetable peelings and scraps, tea bags and coffee grounds (but not proteins, like eggs), then you won’t have to buy it from the garden centre.

21) Represent your self in court, saving yourself thousands in legal fees.

22) Circulate the books you’ve read among your friends. That way, you can save on the cost of buying new books, and you will be able to recommend and be recommended on what’s worth reading.

23) Freshen up your furniture. Instead of upgrading your tatty ikea sofa for a new model, invest instead in some slipcovers. A new look cost’s much less  then a new sofa , take a look at Bemz (www.bemz.com) whose website allows you to drag and drop the colours and patterns onto different styles to see how they’d look.

24) Hire CD’s from your local library. Many of the back-catalogue CD’s in HMV’s “3 for £20” racks will be available to loan for pennies.

25) Crack the code www.sendmediscounts.co.uk rounds up promotional codes, shopping discounts and special offers available online.

26) Book a restaurant online, reservation websites like top table (www.toptable.co.uk) lets discount offers – often 50% off – from restaurants all over the country.

27) Buy your contact lenses online or from the supermarket at  a fraction of the high street prices. Check out  www.postoptics.co.uk

28) Cancel your pet insurance. Most policies don’t cover the cost of routine examinations and inoculations.

29) Get a lodger. If you have a spare room, spruce it up and rent it out.

30) Give up your television license, get rid of your television and watch programmes on your computer using the BBC’s online iPlayer (www.bbc.co.uk/iplayer) after they’ve been broadcast.

31) Cancel your Sky subscription. A free view set-top box offers most of the channels that you’ll want to watch.

32) Buy cheaper music. Download music from Russian website. Legal sites such as www.gomusic.ru offer thousands of albums for less than a pound.

33) Cancel your gym membership. Many leisure centres offer membership schemes and personal training and are kitted out with a full range of equipment for a fraction of the price of a private gym.

34) Ditch the football season ticket. Or at least split the cost with friends. After all, how many of those midweek fixtures can you really get to?

35) Get cut-price cinema tickets. The three large multiplex-chains – Vue, Odeon and Cineworld – all offer cheap weekend deals for families.

36) Cycle to work, its free!

37) Give up your car. Use a vehicle-sharing scheme like streetcar (www.streetcar.co.uk)  or Zipcar (www.zipcar.co.uk).

38) Join a car pool. www.carshare.com has a list of car sharing sites.

39) Find the cheapest flights. Search online with a price comparison site like www.kayak.com book as far ahead as you can, travel out of season and fly mid-afternoon midweek.

40) Invest in a family railcard. Travel with at least one child and you’ll qualify for the £24 discount card that offers 1/3 saving on adult fares, and 60% off kids fares – visit www.family-railcard.co.uk

Fuel Bills

41) Change your gas, electricity, telephone and broadband supplier to a cheaper one, CLICK HERE to see the supplier we recommend.

42) Fill your cavities. About a third of the heat lost in an un-insulated home is through the walls, so a cost effective way to save energy is cavity wall insulation – a hassle free job that could save you up to £90 on annual bills.

43) Look for the logo – When buying new electrical appliances, look for the energy saving recommended logo – a blue wedge – which indicates an efficient appliance that will be cheaper to run. Replacing an old, inefficient fridge freezer could save you up to £37 a year.

44) Invest in energy-efficient light bulbs. They tend to last about 10 times longer than ordinary ones, and cost from as little as £3. For each bulb you fit, you can save up to £7 on your annual electricity bill.

45) Lag the loft. Around 15% could be shaved off your heating bill with 270mm-thick loft insulation.

46) Check your homes energy levels online. For a report on how much energy could be saved in your home, complete the energy saving trust’s survey (www.energysavingtrust.org.uk).

Personal finances

47) Change your credit cards. If you have debts, switch them to a “balance transfer offer” that stays at a low interest rate until the debt is paid.

48) Re-mortgage early. If you are coming to the end of a fixed rate deal on your mortgage you should start organising your next deal as early as possible – three month’s before the end if you can.

49) Work out a budget. Don’t work out your finances on the back of a scrap piece of paper. You need to look at everything you spend to get a true picture. Use the planner at www.moneysavingexpert.com/budgeting

50) Re-claim what’s yours. Check whether you can re-claim PPI, credit card charges, bank fees or mortgage fees, or get your council tax – re-banded.

Beat the Credit Crunch and start your own business. Online business from home today CLICK HERE to start your own business, from home today.

Together, We can beat it….