my personal saving tips are

•Buy Cheaper Clothes – There is no need to buy expensive clothes in order to look fashionable. You can still look good by buying cheaper clothes. There are many discount clothing shops around. My personal favorite is Primark.

•Cut down on Junk foods – Burgers, fizzy drinks, sweets, potato crisps and takeaways are more expensive and do not nourish your body like the less cheaper vegetables, fruits and water.

•Kill the habits – last April the government increased the taxes on cigarettes and alcohols. Not only is cigarette and alcohol expensive but it is deadly to your lungs and liver.

•Stop Gambling – It is foolish for any one to gamble because the house always wins. The odds are always stacked against the player by those who own the game. Luck never favours the player and even if the player win once there is always the temptation to play again and thereby lose everything.

•Cut down on driving – Running a car can be very costly especially as petrol prices, insurance and road taxes continue to rise. The best action is to abandon your car and use public transport. But if having a car is a must, why not consider buying a less powerful, more fuel efficient car. Your running cost will be lower.

•Avoid using credit cards – Do not buy anything you can not afford with a credit card. Credit cards are an expensive way of borrowing than your local bank loan which offers better rates and better terms for you.

Finally Put your saved money in a high interest savings account. Banks such as Barclays, ING direct, kaupthing Edge offer good saving account rate

Consumers are frustrated and up in arms by soaring home heating oil prices.

No one knows if home heating oil prices will rise or fall by the next heating season. But whether you buy now or later, there are some things you can do to get the best deal possible.

Don’t just get a price from one heating oil dealer, get it from three. No, that’s not a typo, 3. Do your homework. If you talk to 5 people that heat their home with oil, I bet 3 out of 5 are paying a different price. Are people getting ripped off? No, that’s a harsh word to use. I call it creative marketing.

Try going into the winter with a full tank of oil. Prices are usually lower in the summer. It’s very likely they’ll be at their highest in the winter. Don’t wait until the cold weather arrives to fill your tank.

Oil traders are not just on the floors of commodities exchanges in New York or London any longer; They’re in the offices of oil companies and buying groups such as Pilgrim Oil Group, constantly scanning computer screens linked to global markets, looking to take advantage of small shifts in oil prices so they could pass the savings on to their customers. http://www.oilforless.com