Here is a list of little changes that you can take to improve your financial situation

• When renewing/signing up for  health insurance, get comparison quotes from the different providers. Check that the plan you are on is one that suits your current situation ie. If you are not considering any more children, you won’t require an enhanced pre and post natal cover package.
• Consider moving credit card companies Some companies offer 0% for the first 6 months, with competitive balance transfer options.
• Check your quarterly fees and transaction charges with your bank. Quarterly charges can vary hugely as to the charges per transaction on your account. Decide what best suits you for the way you bank.
• Within your home you can save on electricity bills by not leaving TV or other appliances on standby; they are still using a small amount of electricity.
• Turn off lights when you leave the room.
• If you are at the doctor, ask them to prescribe generic drugs for your family instead of branded drugs. This can save considerable money.
• Use your 30 degree cycle more often on the washing machine.
• Don’t wash clothes until the washing machine is full. This is much more economical that more washes with smaller loads.
• Air your clothes to dry and finish off for a few minutes in the tumble dryer to get them softer. Tumble dryers have high electricity usage. 
• Bring your lunch to work or group up with others in the office to buy some food together meaning it will cost less overall and less waste.
• Ditch the take away coffee and bring a travel stainless steel mug with your own coffee.
• Do your weekly grocery shop online. This will prevent any impulse buys.
• If you don’t want to shop online, do your grocery shopping when you are in a hurry. Less time for browsing = less time to spend an extra money. Just remember to bring a list in case you forget anything.
• Buy non-perishable items in bulk when they are on offer. Items like tinned goods, toothpaste, shower gel, bin bags, cleaning products, toilet roll. 
• By store brand products where possible. 
• Join the library. Especially for kids who read a book a week. Librarys also rent out DVD's and games.
• Don’t be afraid to shop around for your mortgage and life insurance. They might be better deals on the market. It can take time to change but it you could make significant savings.
• Take your money out of the ATM once a week instead of dribs and drabs. If you allocate the money, you are less likely to spend it on items you don't need,
• Recycle more..you will pay less on bin charges.
• Apply the ’30 day rule’ for unnecessary purchases. If you want something, wait 30 days for it. If you still want it after that time then buy it. If it was just an impulse buy the need to have it will pass.
• Entertain at home as much as possible. It is always cheaper to eat in instead of going out.