Life can be pretty pricey if you like nice things, so here are our top tips to save money on the little luxuries in your life!

Change Your Phone Contract
Many of us are on the wrong mobile phone contracts for the amount of minutes, texts and internet we use. Billmonitor reviewed almost 30,000 mobile bills and concluded that 76% of contract customers were on the wrong contract for their needs, wasting on average £192.71 each per year.

Pay Insurance Up Front
It can be a bit of a cash lump to pay your home insurance, car insurance or car breakdown cover up front, but if you do you can save a significant amount each year.

Get Off Peak Membership
Particular memberships like the gym can be a lot cheaper if you opt for off-peak membership. Most gyms offer off-peak memberships for substantially less, often up to a third, and don't forget, there is always room to haggle.

Cut The Takeaways
It's always tempting to treat yourself to a takeaway on the weekend, but according to Liverpool Victoria we in the UK apparently spend £11.5billion a year on home deliveries and takeaways. Even if it's once a fortnight, that £15-20 each time could amount to £450-600, or more per year. That's a lot of cash!

Photo: o5com (Flickr)