Play on loyalty and save £257

By not using a loyalty card, you could be missing out on as much as £257 a year on rewards**.

If you shop somewhere regularly, sign up to the loyalty scheme to get personalised offers or to stack up points towards money off. I often use my Boots Advantage card points to buy gifts and Nectar points to buy festive fizz, and my Tesco Clubcard vouchers go towards meals out with friends.