Cars

I've had problems with the car I share with my ex, so I'm now going to share my boyfriends car. This does come with some problems if you both need the car for diferent things at the same time, but genreally it works out fine, and save lots of money on insurance, tax, MOT's and services.

Valentines Day expenses

Don't be taken in by the shops advertising all the symbols of love that you should be buying for valentines day. A home made card means a lot more than something produced by a shop, especially if you carefully make up your own rhyme.

Instead of buying an expensive present or going out for a meal, why not cook a nice meal at home instead. It doesn't have to be that expensive just take care with how the food looks and it will be highly appreciated.

Borrowing

I read an interesting article on the Motley Fool website yesterday saying how if you borrow money you might think that you are able to buy more than other people, but in fact, because you spend so much more paying for them because of the interest on the credit, you in fact end up with a lot less in the long run.
So waiting for things and saving up means you will have more, even if it takes you longer to get it.