Cancel costly memberships

FITNESS

If you pay monthly and you’re not using your membership enough to warrant the cost, look to either pause payments or cancel completely and sign up to pay-as-you-go classes instead.

OUTINGS

If you’re a member of a club, museum or organisation that you used to visit a lot but now barely manage a single trip a year, cancel it right away. If your membership is a yearly rolling one, make a note in your diary to cancel before it renews.

ENTERTAINMENT

Signed up to the major streaming services, but in truth, you only use one or two? Cancel the others right away and save yourself much-needed cash.