Did you know that bringing in a packed lunch to work each day can save you hundreds of pounds a year? Why not prepare a sandwich the night before, or even cook an extra portion of your evening meal to take into work the next day.

• Rethink how you get to work.
  If you use public transport to get to work, or if you cycle, see if your employer offers season ticket loans. You can often save money by buying a monthly or yearly pass. Some employers also offer schemes to encourage you to cycle, so it is worthwhile investigating!
• Don’t panic buy.
  Try to avoid shopping in your lunch hour – with only an hour to spare popping into shops can make you panic buy things you don’t need.