Save over £300 a month by making a few simple changes to your everyday life.

1. Cancel the gym membership you never use and save £40 a month - going for a run in the park is free.

2. Bring sandwiches into work and save £100 a month - spending a fiver a day on sandwiches and crisps soon adds up.

3. Stop buying coffees and save £50 - take a thermos of proper' coffee into work from home.

4. Have two fewer takeaways a month and save £30 - make extra food on weekends and freeze it to have as ready meals' throughout the week.

5. Drop the train or car and cycle to work to save £100 - or if this is not possible find somewhere to park for free and walk the rest of the way into work.