FEBRUARY

Love may be in the air come Valentine’s Day but save on a romantic night by going out a few days before or after February 14. Most places ban voucher codes on popular days and bring in an expensive set menu, so go out the day after or before. Or why not share an M&S meal deal for two for £10?

While romance is on the cards, set your savings goals. We save £50 a month more when we set savings goals rather than a haphazard savings approach, so worth opening a regular saver account. You can earn up to 5% on these accounts with First Direct, Santander, Nationwide or M&S.

Putting your partner on your car insurance can bring down the premium price, even if they rarely drive. Or go for a multi car policy to save around 10-15%.