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Summer saving Special 15SuperSummerYou’ll be surprised how some small changesin your everyday life can lead to bigdifferences to your finances. Watching thepennies means the pounds will really takecare of themselves!saving specialIn the houseSavvy shoppingAccording to research bythe Payments Council,supermarkets now take in 58pof every £1 spent by shoppers.They also have a canny wayof making you spend far morethan you’d intended, throughseemingly ‘bargain’ offers.To avoid getting sucked in,plan what you need for theweek ahead, write it down,and stick to it. And nevergo to the supermarket onan empty stomach!Common-sense savingNine to f iveIf you live close to a towncentre and have a drivewayyou don’t need, why not rent itout to someone commuting towork? Or you could even thinkabout getting a commutinglodger who only needs a roomon weeknights (try the websitewww.mondaytofriday.com).Under the Government's Renta Room scheme you can earnup to £4,250 a year tax-freeby letting out a room in yourmain home.Make a packed lunch ratherthan buying lunch from theshops each day. And buyin bulk – for example, amulti-pack bag of crisps willwork out far cheaper thanbuying a single packet ofcrisps every day.Homemade handiworkFor a multi-purpose all-surfacecleaner, try combining oneteaspoon of soda crystals, twotablespoons of vinegar or lemonjuice, half a teaspoon of vegetableoil-based liquid soap and twocups of hot tap water in a spraybottle.Get a squeaky clean oven bymixing lemon juice and waterin a bowl, heating it in themicrowave for afew seconds and thenscrubbing the inside of theoven. It will also leavea nice aroma!To clean windows, mirrorsand shower doors, mix onepart vinegar and sevenparts water and then usean old newspaper toTIPCut scouringpads, cleaners,dusters and spongesin half before usingthem to make themgo twice as far.