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10 tiny tweaks that can save you up to £4,000 a year 10 tiny tweaks that can save you up to £4,000 a year
(35 minutes later)
In case you missed the headlines about how stretched millennials are: not many are managing to save.In case you missed the headlines about how stretched millennials are: not many are managing to save.
But there are some small changes you can make to your habits that could have a big impact on your yearly finances.But there are some small changes you can make to your habits that could have a big impact on your yearly finances.
The Independent asked Martin Lane from www.money.co.uk and Connor Campbell, a senior market analyst at www.spreadex.com to give us 5 daily saving tips each.The Independent asked Martin Lane from www.money.co.uk and Connor Campbell, a senior market analyst at www.spreadex.com to give us 5 daily saving tips each.
If your twice a day latte fix costs you a daily £5.14, over the course of a year this totals to £1,234, Martin Lane warns. If your twice a day latte fix costs you a daily £5.14, over the course of a year this totals to £1,234, Martin Lane warns. 
Whether it is an artisanal sandwich from Pret or a meal deal from Boots, lunch time is likely to make a notable dent on your bank balance.
“Even if you just spend £3 a day that can end up being £60 a month, money you could easily save if you made your own lunch. It may be more hassle, but buying your own ingredients is not only cheaper, but healthier as well! “ Campbell told the Independent.“Even if you just spend £3 a day that can end up being £60 a month, money you could easily save if you made your own lunch. It may be more hassle, but buying your own ingredients is not only cheaper, but healthier as well! “ Campbell told the Independent.
Promotions often lead us to buy things we were not planning to in the first place and lead us to spend more money than we intended.Promotions often lead us to buy things we were not planning to in the first place and lead us to spend more money than we intended.
“Whilst a buy one get one free pack of mega mints may be tempting, if you didn’t want them in the first place you are just wasting money,“ Campbell said.“Whilst a buy one get one free pack of mega mints may be tempting, if you didn’t want them in the first place you are just wasting money,“ Campbell said.
New resolutions lead us to sign-up at the gym, but come mid-February and our membership card is likely to be already lost. New resolutions lead us to sign-up at the gym, but come mid-February and our membership card is likely to be already lost. 
Unused gym memberships can cost us around £600 a year, according Martin Lane’s estimates.Unused gym memberships can cost us around £600 a year, according Martin Lane’s estimates.
“This is another unnecessary drain on your finances. If possible, cycling to work is a great alternative killing three birds with one stone: It eliminates the need for gym membership, keeps you fit and reduces your travel costs. Running is another great option and free – you could set up a club with colleagues to generate some healthy competition,” Lane said“This is another unnecessary drain on your finances. If possible, cycling to work is a great alternative killing three birds with one stone: It eliminates the need for gym membership, keeps you fit and reduces your travel costs. Running is another great option and free – you could set up a club with colleagues to generate some healthy competition,” Lane said
The odds of winning the lottery jackpot have increased from one in 14 million to one in 45 million following Camelot’s introduction of 10 more balls. The odds of winning the lottery jackpot have increased from one in 14 million to one in 45 million following Camelot’s introduction of 10 more balls. 
But at £2 each, only two play per play, these tickets will cost you £208 a year, according to Martin Lane.But at £2 each, only two play per play, these tickets will cost you £208 a year, according to Martin Lane.
6.            Shop around
No-one wants to spends hours trying to find the cheapest deal.No-one wants to spends hours trying to find the cheapest deal.
But a few minutes of web research will make it easier to see if the place where you do your shopping is giving you the best deal.But a few minutes of web research will make it easier to see if the place where you do your shopping is giving you the best deal.
“This is especially true of supermarkets; it may be a pain, but spicing up your food shopping by popping into other stores can really save you money,” Campbell said.“This is especially true of supermarkets; it may be a pain, but spicing up your food shopping by popping into other stores can really save you money,” Campbell said.
Try to avoid doing your shopping on your way home from work when you are tired and hungry, Campbell advises.Try to avoid doing your shopping on your way home from work when you are tired and hungry, Campbell advises.
“Of course it’s tempting to grab what you need for one meal and be done with it, but getting food on an empty stomach is only going to lead to overspending on items that you don’t really need,” he said “Of course it’s tempting to grab what you need for one meal and be done with it, but getting food on an empty stomach is only going to lead to overspending on items that you don’t really need,” he said 
We throw away seven tonnes of food and drink from our homes every year, costing the average family with children £700 a year, according to money.co.uk expert estimates.We throw away seven tonnes of food and drink from our homes every year, costing the average family with children £700 a year, according to money.co.uk expert estimates.
“Try putting your sliced loaf straight in the freezer when you buy it and buying frozen fruit and vegetables to avoid excess waste. If you check the labels you’ll find that some brands of milk and cheese can be frozen. For an even bigger cost saving, take leftover meals to work the next day for lunch. This could save you up to another £830 a year,” Lane told the Independent.“Try putting your sliced loaf straight in the freezer when you buy it and buying frozen fruit and vegetables to avoid excess waste. If you check the labels you’ll find that some brands of milk and cheese can be frozen. For an even bigger cost saving, take leftover meals to work the next day for lunch. This could save you up to another £830 a year,” Lane told the Independent.
Drinking water every day is essential for good health, but bottled water may have a detrimental impact on your pocket.Drinking water every day is essential for good health, but bottled water may have a detrimental impact on your pocket.
We drank 30 million litres of bottled water in a year back in 1980. This increased to a staggering two billion litres last year, costing us about £2 billion, according to Martin Lane,We drank 30 million litres of bottled water in a year back in 1980. This increased to a staggering two billion litres last year, costing us about £2 billion, according to Martin Lane,
“Head for the tap and cut out two litres of bottled of water a day to save yourself almost £475 a year,” he said.“Head for the tap and cut out two litres of bottled of water a day to save yourself almost £475 a year,” he said.
It might be tempting to turn up the heating as soon as it gets cold, but layering up first can decrease your gas bill, according to Connor Campbell.It might be tempting to turn up the heating as soon as it gets cold, but layering up first can decrease your gas bill, according to Connor Campbell.
“It may sound simple, by pulling on a jumper can save you a few pounds on your gas and electricity bills at the end of the month,” Campbell said.“It may sound simple, by pulling on a jumper can save you a few pounds on your gas and electricity bills at the end of the month,” Campbell said.