For the first time in my life I thought I would tighten my belt - if you ask @VR6CABBS or @Dave_ciw then I'm tighter than scrooge at Christmas!
So far I've managed to save;
£21/month by switching my energy tariff with my current energy provider.
£15/month by calling sky and removing Cinema from my package - I will be calling them again in a few weeks to complain it is still too much and looking to cancel unless they can further reduce monthly payments.
I will be looking at setting up a second bank account for my monthly direct debits to come out of s