Whilst money saving for most people can be as simple as flicking off a switch, people with serious debt problems may need to take extra measures to improve their financial situation – like getting a second job or selling off assets. The small things all add up though, leaving you with a little extra to put aside at the end of the month.

Try the following money saving tips and you'll be surprised at how effortless you find them!

1)      Stop overfilling the kettle. Boiling the kettle with more water than you actually need uses more energy and gives you higher electricity bills. Boil just what you need and you'll stop boiling your cash away.

2)      Switch the lights off when not in use, even if you're only leaving the room for a few minutes. The same goes for electrical devices such as TVs, which use up to 90 per cent of the same amount of energy on standby as when switched on.

3)¬¨‚Ƭ¨‚Ƭ¨‚Ƭ¨‚Ƭ¨‚Ć Make a shopping list before you go to the supermarket ‚Äö√Ñ√¨ this will stop you splurging on unnecessary items and being suckered in by ‚Äö√Ñ√≤deals'. Alternatively, shop online from the comfort of your own home, so you can see what you need as you shop and you won’t be tempted by the pretty displays. Thi ssaves on petrol and parking too and you may also find that there are special offers that you wouldn’t notice at the shops.

4)      Wash clothes at a lower temperature. Doing this for every wash will still get the clothes clean, but will save you money on energy bills, as it doesn't take as much energy to heat the water to the higher temperature.

5)      Treat stains first. For stained clothes, pre-treat them with specialist solution before washing, rather than putting them on a longer wash.

6)      Make too much dinner. This might sound a bit counter-productive, but if you make a slightly larger evening meal, you can have the leftovers for lunch or freeze them to eat at a later date. It's often cheaper to buy in bulk, so this can save you time, effort and money!