It would be worth using the forums at MoneySavingExpert for detailed advice.
I used to type the letters at a big Citizens Advice Bureau when I was at university (and returned as a board member years later!). That was the best financial education I ever had and I've been tight ever since.
My wife was made redundant on maternity leave 4 years ago and is only going back to work next week, so we've learned to save money through necessity.
The obvious savings come from not spending money. We don't:
- have any direct debits unless essential (only utilities);
- pay for TV or media services other than TV license, basic broadband and landline;
- take foreign holidays;
- buy any ready meals.
- "better quality less often" for food - especially meat;
- only online supermarket shopping (no in-store temptation);
- break down the "weekly shop" and buy small amounts from specialists - e.g. organic food from organic specialists (cheaper than supermarket), toiletries from Wilkinsons etc.
- have "rules", e.g. 1 takeaway or meal out per month.
The less obvious savings come from:
- paying more on monthly mortgage payments (compund interest) - will be paid off by the time I'm 40;
- regular saving...£600pcm in ISAs for 7 years is looking good now;
- pension payments (although my NHS pension is taking the Michael with 13% contribution, state retirement age and no more final salary link).