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Tips Money Box

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The odds of winning the Lotto jackpot are stacked 14m to 1 against each ticket. Have a go at the lottery for fun sometimes. Perhaps you should consider saving extra money in an Isa.

Use your Isa allowances. It means you don't pay any tax on the interest accrued. Eventually they will, and spare cash saved into an Isa will start attracting interest of a couple of hundreds of pounds a year on the full allowance again.

Claim your benefits and tax credits. There was once a stigma in Britain attached to claiming benefits.

That was largely removed as we swanned into the then new millennium and the Government put benefits at the heart of the family budget. Child Benefit, Working Tax Credit, Child Tax Credit and other employee-related tax benefits were an attempt to make life affordable for the low-paid.

The Government has since changed and the headline tax change has been big breaks for millionaires. But if you are entitled to benefits you should still claim them.

It could be the difference between life and death. Ask a This is Money Expert. Do you pay your insurance premiums by monthly instalments?

If you are in a position this year to save up for next year's premiums in advance, you can save money by paying the whole lot in one go.

Do you need all those TV channels? Britain has gone digital. If you haven't - that's not a telly you're watching but a very dull, repetitive documentary called Reflections In The Oven Door.

Good news: there's a world of shows better than a mirror image of your own head to choose from. But choose wisely. Freeview is free.

You can buy pay-as-you-go Premier League football online. Bin the ready meals. The benefits of being able to heat an entire three-course dinner in a box from frozen in three minutes on full power, remove film, stir and heat for another three and leave to stand for a minute are generally outweighed by the mental anguish of suddenly realising that six minutes plus stir AND standing time is FAR TOO LONG!

But have you thought about the costs? If speed is key, you can make fresh tomatoes on toast for about 20p, which is much healthier, cheaper and tastier than moist boxed fish-based mush crumbles.

Take up a money-saving hobby. Hobbies not only open your mind to new experiences but they also take up your time - important if you would otherwise spend it in the pub drinking away your hard-earned money.

If a painting takes hours to complete, and you normally get through a pint an hour. That's a saving of a least quid a picture.

Get painting. Go fishing. Make quiche. Fight your parking tickets. If we didn't all love getting parking tickets there'd be a lot fewer traffic wardens cowering behind the nation's wheelie bins with their notebooks, cameras and complex mental turmoil waiting to pounce on impoverished motorists with an 'it's not about raising money, it's to keep traffic moving' penalty notice.

In the unlikely event that your affection for traffic wardens has been crushed because you've been awarded a parking fine you feel was unjust Avoid extended warranties.

Electrical goods are more reliable than ever. If your new radio won't last three years perhaps it's not worth buying in the first place.

Think about it: how many times has your fridge broken down in the last five years? Shop online. The internet is gradually taking over.

It's a slow process. Britain's fourth largest supermarket, Morrisions, didn't launch its online grocery service until It will get better, if only because there's nothing left to buy in the High Street apart from hand-me-down toys, ornaments and belts in charity shops.

For newcomers, there are plenty of comparison websites to help find the best prices for bigger items. Go on, give it a try, it's more fun than queuing up for half-an-hour at the supermarket checkout - especially if you can't find your blummin' Nectar Card at the end of it.

Saving: Your sanity. Make lu nch - get free car. And you know what? While making your own lunch isn't free, remember: a sandwich is just some bread with some stuff in between.

And for the price of a small pension, does the coffee really taste that good? The Citizen's Advice Bureau is your friend.

If your debts are out of control please seek help immediately from your local CAB - their advisers can help you work out a sensible strategy to get you back on your feet.

Add your own tips, save this article, send it to a friend. Technological progress since means you can now help your friends save money by sending them a link to this article by using the clever buttons below.

Please add your own money-saving tips in the comments box too. Online savings: The internet has been largely a boon for the cost-conscious shopper.

Some links in this article may be affiliate links. If you click on them we may earn a small commission. That helps us fund This Is Money, and keep it free to use.

We do not write articles to promote products. We do not allow any commercial relationship to affect our editorial independence. The views expressed in the contents above are those of our users and do not necessarily reflect the views of MailOnline.

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View all. More top stories. Steve Webb replies. Everything you need to know about getting a lodger and the Government's Rent a Room scheme Turn your spare room into spare cash.

Renting is on the rise among senior citizens amid a boom in demand for retirement living lets Property consultancy Knight Frank.

Toby Walne went in to a branch and found that TSB is the bank that marched him straight back out the door! Remember the bank that liked to say Yes?

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Would you like to get blog updates sent to your inbox? Yes Please. Property Operations. Secure rent drop boxes The most common way a money order goes missing is by rental drop box theft with the use of any type of equipment that usually includes some type of wire with a sticky substance placed at the end.

Ensure that your rental payment drop box is as secure as possible — perhaps by first placing it inside the leasing office—or by following these six suggestions: 1.

Offer electronic payments solutions Better yet, offer an online electronic payments solution so that residents can make a safe, secure payment 24 hours a day, without the risk associated with a physical check or money order.

Will you ever be able to retire? Five 'tricks' to help us save more What are the tricks that behavioural economists have to persuade us to save more?

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