Top money saving tips

With Christmas just around the corner and yet more financial hardship on the way, many of us will be looking to save money where we can. And luckily these days, there are a number of ways to save, or even pocket, a few pennies without even leaving your home, thanks to the internet.

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A whole host of websites offer discounts, vouchers and money-saving tips - here are a few of the best:
You've seen the adverts and, as irritating as they may be, you really can get 'wonga' for your old mobile. There are many phone recycling sites on the web but this one provides you with a freepost envelope so you won't even need to pay postage. Even damaged phones may be accepted, although you won't get an offer until the company has tested it. And you'll be helping the environment too.
Already started your Christmas shopping? Well, it's worth checking out this site. Billed as "the UK's no. 1 discount site", you'll find all the news on cashback and voucher offers from 2,000 retailers, including the likes of Amazon, Tesco and Debenhams.
This site is dedicated to the over-50s and offers a host of concessions specifically for the mature generation. There are discounts on everything from days out, nights out and eating out to gardening, health clubs and holidays.
Similar to, this site provides you with all the information on promotional codes and e-vouchers from the UK's most popular shops, including Argos, Comet, Homebase and Asda. Check in, or get email discount alerts via subscription, before you buy - you could save yourself a few bob.
If you're not a big fan of digging around in a supermarket skip then this could be the site for you. The site sells clearance food and drink that is either short-dated or past the 'Best Before' at discount prices. Obviously there are no chilled or frozen 'use by' products, but they do include dry food lines that our discontinued, trials or in older packaging that the supermarkets won't sell. Stock changes daily and they are selling more and more non-food items.
Plenty of sites offer cashback on purchases, but this one gives back 100 per cent of the referral fee they receive from sending you to a range of online stores. Since they don't take commission, they take a £5 fee when you reach £25 worth of cashback - but with everything from fashion to travel, you can earn cashback on items you may well be buying as a matter of course. And if you're feeling flush, you can decide to give your earnings to charity without paying the admin fee.
An auction site with a difference - all the items listed are unclaimed stolen property from police stations around the UK. From digital cameras to bicycles, full and frank descriptions mean you won't have the wool pulled over your eyes when it comes to the condition of the item.
If you're struggling to find the money for a family day out then it might be worth signing up to this one. For an annual fee of £14.99, the site offers discount vouchers and special offers (worth almost £1,500) to over 200 UK and Irish attractions, including theme parks, castles and festivals. Or for just £4.99 you can access up to five discount vouchers during the year.
This site taps into the best deals in your area with what they call "group buying power" - the larger the group, the lower the price. Each day a new discount is on offer for restaurants, spas, special events and nights out. The site negotiates discounts based on a 'tipping point' (the minimum number of people needed to obtain the discount). It's not available everywhere yet, but it's worth checking the site to see what's happening in your area.

It's always worth checking where you can save money and we hope these will save you some hard-earned cash this Christmas.