If you’re a low water user – for example if you take showers instead of baths and then spend most of the day out of the house – it might pay to get a water meter. This way, your water bills will be calculated on the amount you actually use, rather than just being charged at the same rates as everyone else.
If you are thinking of embarking on a self build project, it could pay in the long term to build with the environment in mind. Our guides to eco building will set you on the right path.
Keep an eye on your home and car insurance and make a habit of checking to see of you can get them reduced. Insurance companies tend to allow their prices to sneak up over the years and if you don't watch yours, it could cost you a lot of money.
Again, hunt around to see what’s available. Although many good fixed rate mortgages have been withdrawn, it’s still worth keeping an eye out, as rates change daily. Try sites such as money supermarket to find out the latest mortgage deals.
If there are things to be done around the house, consider getting your hands dirty. Traders can be expensive, plus if you add the cost of VAT (and the number of times you need to boil the kettle to keep them in cups of tea) you could be looking at a big spend. So instead, get the help of an expert like George Clarke and you could soon be doing everything from fitting a sink to laying laminate flooring.
Check out the mortgage calculator, loans, credit cards & savings comparison tools
Compare current rates on loans, savings accounts, credit cards & mortgages with this handy tool
Thinking of buying or selling? Find out what's going to happen to house prices in the coming year
Our presenter could be popping round to your house for a consultation and a cuppa
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