You can be better off by £6000 or more a year, every year for the rest of your life. This manual contains 22 step by step guides, 670 money saving tips and suggestions and nearly a thousand website addresses. It is split into 15 sections covering 252 individual items of expenditure. It shows you how to save £100 a month on your mortgage, reduce your shopping bills by a third, reduce your gas and electricity bills by a quarter, knock £350 a year off your phone bills, guarantee your child will retire a millionaire, make money on your credit cards, get a 9% return on your savings, reduce your car costs by a third and knock £600 off the cost of a package holiday, holiday for free and much, much more. A typical family will save £6000 to £8000 a year using this manual