Money Saver Badge.

1. Buy as little as possible. I am trying to use a delaying tactic for non-essential purchases. With online shopping, I put things in the basket and do something else. If it's still calling to me a few days later, I give it some serious thought. I've been able to tuck a fair few quid away into my retirement fund.

2. Review utility bills. Tricky one at the mo as there aren't any deals out there. I have done the research though, and am staying put for now. I've cancelled two DDs - Union subs and Ocado.

3. I've looked at different banks and shifted most of my savings, earning better interest in the process. I have some savings in NSI Premium Bonds. Although there are no guarantees, I seem to get a better return here and the cash is as safe as houses.

4. Saving in everyday life. I'm using the car a lot less, with walking and bus trips taking up the slack. I have used my crafting skills to make origami cards, which saved me quite a bit at the end of term. People really liked them too, which was nice. Hand made gifts went down well too. I've also been looking out for free events and have recently had a great time at a local music festival (The Animals were great), a cheese-making class and a recycled plastics workshop.

5. Fix stuff. I've shown my visibly mended jeans on a previous post. I was sorting through the wardrobe and came across a dress I'd bought cheaply ages ago but never worn, because it had hideously gaping armholes. It went into the charity pile, then fished back out. I worked out how to alter it and hemmed it to top length. I'm quite pleased with the fix. The hoover packed up but, rather than chuck it, I was very tenacious in getting a replacement part so it's as good as new.

1. I find this dull but did a bit of reading and asking. Crypto currency messes with my head, but so does money if I think about it too hard!