please help!!! i am skint, money making/saving tips needed asap?

This helped someone I know. Give it a try.

-Hold the mother of all garage sales. Cast a critical eye on the stuff at the way back of your closets. If you haven't used it in six months, chances are you can do without. Same goes for all that junk in storage. (See "The hidden costs of too much stuff." ) Annual savings? Depends on how much junk you have, of course, but one coworker guessed he had at least $5,000 worth of stuff he could get rid of. I'd put my own garage sale potential down at around $1,000. Thats a good number.

Quit smoking. Pack-a-day habit? In Washington state, that's easily $5 a day -- or about $1,800 a year -- that can go right into your savings, not to mention what it saves you on insurance and health care.

Tame your driving addiction. In other words, carpool or use public transportation. This saves on gas, insurance and maintenance costs -- not to mention any money spent on aspirin. Using the IRS's 2002 mileage reimbursement rate of 36.5 cents per mile as a proxy for the cost of commuting, you could save $1,141 a year by driving half the time for 50 weeks a year (based on a 25-mile roundtrip commute). For an even more drastic approach, consider getting rid of your car if you live in the city. Some cities are now implementing progressive programs that allow you to have access to a car without the ownership hassles (e.g. "Flexcar" in Seattle, Portland and Washington, D.C.

Buy used. The average consumer spends about $1,750 a year on clothing and its upkeep, according to the U.S. Bureau of Labor Statistics' most recent Consumer Expenditure Survey. You can potentially cut that in half by shopping at consignment shops and auctions, though the life of the goods may be less than buying new. To account for that, the annual savings may only amount to 25%, or $437.

Become a homebody. At just over $1,800 a year on average, entertainment spending has a way of quickly eating through the best-planned budgets. Consider the library for books, music and movies. Eat out less often. The average person spent $2,276 a year on eating out in 2002. Try cutting your spending in half on both areas for annual savings more than $1,900.

Cut your housing expenses. While a move across the tracks may save some money, moves are expensive in themselves. Consider renting out a room. The average housing costs per person in 2000 were just over $13,200. In metropolitan areas such as Seattle, rooms easily go for $400 a month. Figure about $20 of that goes to increases in utility costs, and you've still got an annual savings of more than $4,000 before any income taxes.

Cut up your credit cards. Build an emergency fund first to handle most unexpected expenses. This allows you to become your own lending agency. (OK, if you're chicken, try cutting up all but one.) Credit cards can be a cash-flow management tool, but paying only the minimum will keep you in debt for years. If you're the average American with at least one credit card, you probably have close to $8,523 in credit card debt, according to industry research group CardWeb.com. At an average APR of 14.4%, it could cost you as much as $1,100 a year in interest alone. By simply waiting until you've saved enough money to make purchases, you could eliminate those interest payments entirely.

Good Luck!!

Here is a couple of savings tips I have picked up:

Best tip I ever received: Pay yourself first and spend less then u earn. ie - Take your savings out of your paycheck first! Don't wait to see whats left over at the end of the week, fortnight or month.

-Buy groceries in bulk: Rice is cheap and is versitile.

-Cook dishes in bulk and freeze when u can.

-Keep a frozen pizza or similar on hand for the nights u don't feel like cooking so u don't opt for TAKEAWAY.

-Buy shampoos and bodywashes etc in PUMP bottles. U wouldn't believe how long they last compared to traditional bottles. Even around kids.

-Buy generic brands most of the time. Know when to spend a little more for quality.

-Use vinegar and bi-carb for cleaning.

-Grow ur own herbs or veges. Some are perfect in pots if u don't have much space.

-If you do actually need something always buy it on sale. Check out your local store catalogues it will eventually go on sale somewhere. Never pay full price. Most stores (in Aust) also run long layby terms in the leadup to xmas.

-Otherwise don't look at the catalogues. If you don't see it then u won't know you need it and u DON'T save money if u didn't need it in the first place.

Cut back on things you dont need, conserve energy that will lower your power bill and I have two words for you "Black Friday" the day after thanksgiving, where you can get things so cheap its not even funny I'm talking bikes that are regularly $100, mark down to $45 or $40 but be careful these things are huge and the lines can be very long, depending where you go

i am in the same position. all i can suggest to you that works for me is to save ALL your coins if possible. it does accumulate. when i put all the coins i have each day into a jar, in a month i have about 40 dollars. im a waitress so i get more coins than the average person Maybe. but if you save even 30 per month, you have sept, oct, nov and most of dec. that will give you probably at least 100 dollars and that could help. plus, just because they want everything, doesnt mean they need to have everything all on one day. good luck :)

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Just a few tips... But really helpfull

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I was able to save $45 a month on my car insurance by making a few simple changes to the car policy.

Read my article for more info.

http://www.printnpost.com/articles/1020/1/Save-mon...

stop buying takeaways, boil pasta. take sandwiches to work

stop buying beer. drink water. stop using launderettes, wash by hand. what else do you do that you don't need to do.

lick the tip of his upper lip, turns ma bloke on loads lol, but u gotta do it gently