When I need to buy an expensive product, I always shop around for the best deal.

I rarely make any impulse purchases – I plan my spending at the start of each month and stick to it.

I never use my credit card for a purchase unless I know I’ll have enough money to pay off the bill in full at the end of the month.

I tend to stick to my debit card or cash when paying for goods; that way I know I can afford them.

I always try and wait until the sales to see if I can find a bargain.

If I see something I like, I won’t buy it immediately – I’ll wait a day and if I still like it, then I’ll buy it.

If I go out for a meal with friends, I always work out exactly how much I owe when it comes to paying the bill – and never put in a penny more.

I keep all my receipts and know exactly how much I spend every day.

I pay all my bills by direct debit – that way I know I’ll never miss a payment.

I try and avoid paying for things in instalments as I don’t want to pay any more than I need to in interest