More local UK councils are hiring private companies to sting the public for litter fines.
A new investigation claims the number of litter penalties has soared from little more than 700 in 1997 to 63,883 last year. That's an 8,687% increase. One council - Bromley - saw fines rocket from a handful of £80 monthly fines to more than 600.%VIRTUAL-SkimlinksPromo%
Easy targets are smokers at bus stops who flick their butts onto the pavement. The move to come down hard on anti-social behaviour - from dog mess to chucked beer cans - will be welcomed by many. But there is increasing concern about some of the tactics used.
Part of the strategy is using private environmental enforcement operators. Like XFor Group, which uses ex-Armed Forces personnel. On this company's website XFor claims it works with councils to "formulate unique, one-of-a-kind solutions to target the most pressing issues in your local area."
It's thought XFor (whose business model also covers parking enforcement) typically pockets around £35 for each £75 penalty meted out and is estimated to have issued more than 44,000 fines, bagging the company more than £1.5m.
However a BBC investigation claims some over-zealous XFor litter wardens would stay well out of view before issuing fines at smokers - with no warning given.
The traditional council cash cows have been revenue raisers like speed cameras and car parking. Many will welcome the tough on-the-spot fines. But not, perhaps, if comes at the expense of other environmental perennial problems, like fly-tipping.
Or a lack of bins (unless a council thinks it will make more money issuing fines). There's also concern about accountability. For example, a private civil enforcement officer is not accountable in the way a police officer is, warn civil liberties groups.
10 of the biggest consumer rip-offs
Sharp increase in council litter fines
Using a mobile phone to make and receive calls, send texts and browse the web while abroad can be extremely costly – especially if you are travelling outside the European Union (EU), where calls can cost up to 10 times as much as at home.
To avoid high charges, Carphone Warehouse suggests tourists ensure a data cap is in place, use applications to check data usage, turn off 'data roaming', avoid data-intensive applications such as Google Maps and YouTube and use wi-fi spots to update social networking sites.
Payment Protection Insurance (PPI) is supposed to help people to continue meeting their loan, mortgage or credit card repayments if they fall ill or lose their jobs. However, policies are often over-priced, riddled with exclusions and sold to people who could not make a claim if they needed to.
At one point, sale of this cover - which was often included automatically in loan repayments - was estimated to boost the banks' profits by up to £5 billion a year.
Now, though, consumers who were mis-sold PPI can fight back by complaining to the bank or lender concerned and taking their case to the Financial Ombudsman Service (08000 234567) should the response prove unsatisfactory.
It could be you, but let's face it, it probably won't be. In fact, buying a ticket for the Lotto only gives you a 1 in 13.9 million chance of winning the jackpot.
With odds like that, you would almost certainly be better off hanging on to your cash and saving it in a high-interest account.
No-frills airlines such as EasyJet may promote rock-bottom prices on their websites. But the overall fare you pay can be surprisingly high once extras such as luggage and credit card payment fees have been added - a process known as drip pricing.
Taking one piece of hold baggage on a return EasyJet flight, for example, adds close to £20 to the cost of your flight, while paying by credit card increases the price by a further £10.
It may therefore be worth comparing the total cost with that of a flight with a standard airline such as British Airways.
Cash advances, which include cash withdrawals, are generally charged at a much higher rate of interest than standard purchases.
While the average credit card interest rate is around 17%, a typical cash withdrawal of £500, for example, is charged at more than 26%.
What's more, as the interest accrues from the date of the transaction, rather than the next payment date, costs will mount up even if you clear your balance in full with your next payment.
Supermarkets such as Tesco and Asda often run promotions under which you can, for example, get three products for the price of two.
However, it is only worth taking advantage of these deals if you will actually use the products. Otherwise, you are simply buying for the sake of it, which is a waste of your hard-earned cash.
Buy a train ticket at the station on the day of travel and the price is likely to give you a shock - especially if you are travelling a long distance at a busy time of day.
However, you can cut the cost of train travel by 50% or more by going online and making the purchase beforehand - especially if you book 12 weeks in advance, which is when the cheapest tickets are on sale.
Other ways to reduce the price you pay include avoiding peak times and taking advantage of so-called carnet tickets, which allow you to buy, for example, 12 journeys for the price of 10.
Most High Street banks offer packaged accounts that come with monthly fees ranging from £6.50 up to as much as £40, with a typical account charging about £15 per month.
Various benefits, such as travel insurance and mobile phone insurance, are offered in return for this fee. But whether or not it is worth paying for them depends on your individual circumstances.