Cheaper utility companies
It can be really easy to find a cheaper utility company these days. You can just look online and get quotes form the companies and choose the cheapest. Alternatively you can use a comparison website which will compare prices for you and you need not do so much research yourself. This could save you a significant amount of money, but you will notice no difference in the service that you get. You will still have the same gas and electricity and it will only be the company providing it that has changed.
Switching insurers is as easy as changing utility suppliers. You will just need to compare prices and see which ones are cheaper than the ones that you currently use. Obviously you will want to make sure that they are providing like for like cover and so this may take a bit of investigating. However, it should not take that long and you will end up with an equivalent insurance cover and be paying less for it.
Sell things you do not use
If you have items that you no longer use, then it can make sense to sell them. This will enable you to generate some income and free up some space. Many of us find that we run out of space to store things and it can cause our homes to look untidy. By selling items, we not only get rid of some of that clutter, but we may also be able to make money. It is possible to sell items online, using auction websites or social media, perhaps local table tops sales or things like this. You could generate quite a good bit of money from this. It may also make you think harder before you buy new things as you get so little back when you sell them compared to what you pay for them.
It is worth looking hard at prices when you are shopping. This may sound obvious to some people, but there are many of us that will just buy the normal things without thinking much about the price. If you look at them, you will be more conscious of how much you are spending and may decide to buy cheaper alternatives, which could even be better than what you were buying before. If you get used to looking at prices it will be automatic and you may even find it fun to see how much money you can save just by changing brands or the types of things that you buy.
Negotiate a pay rise
Negotiating a pay rise is not always easy. However, if it is something that could mean that you will have more money and not have to do anything more for it. Some companies only award pay rises after giving appraisals or based on profits, but in some you may be able to speak to your boss and find out if you can get more money. It is worth a try as you have nothing to lose.