Tips on saving money

Now that your budget is in check there may be some quick and simple things you can do to save money in the short-term.

1. Switch to cheaper utilities. To see if you could save on your gas and electricity bills, visit www.energyhelpline.com.

2. See if companies offer discounted rates when you pay by Direct Debit.

3. Lots of companies offer short-term bonuses or incentives - make sure you know when these run out so you can check you're getting the best deal.

4. Make sure you know what benefits you are entitled to at Turn2us.

5. Why not see if you could get a better deal on your home or car insurance with Lloyds TSB insurance. 

6. Are you paying too much tax? Check to see at Directgov.

7. Check out our new Savvy Saver site, where our experts have compiled some great everyday practical tips, and hints that could save you hundreds of pounds. In addition see how you can achieve your savings goals using our savings goal tool.

8. Lloyds TSB offers a free financial Health Check to existing customers, to help you identify and resolve your financial needs. Arrange an appointment to see an advisor at your local branch.