Feeling the pinch? From claiming for compensation if your train is delayed to splitting TV costs, here Money Mail looks at 40 ways you can save money. Some require just small tweaks to your regular habits or a phone call or two and could save you hundreds or even thousands of pounds. You can save cash just by spending with a different type of credit card or planning ahead for big events or trips.

Millions of households are routinely paying the wrong amount for the gas and electricity they use. The problem arises from the widespread use of estimated meter readings by energy providers. If these guesses are wide of the mark, customers will either be left in debt, facing an unexpected bill, or more commonly in credit, with the supplier sitting on their money.

With an avalanche of price rises from the 'big six' energy providers, now is the time to review your energy tariff and consider locking in to a best-buy fixed-rate tariff before energy companies pull them from the market.

During a recent holiday to Barcelona, my phone was stolen. I had become separated from my friends, so had no way of calling my network - Vodafone - straight away to alert them to the incident. By the time I managed to call Vodafone, the thief had made £1,130-worth of fraudulent calls to Spanish premium- rate numbers. Vodafone said that I had to pay these charges. After negotiations, they have offered to reduce the bill by £200.

Needlessly overpaying for gas and electricity, mortgage payments, home phone, broadband and car and home insurance costs can take its toll - adding up to tens, if not hundreds, of pounds every month. Overhauling your bills can potentially save you thousands of pounds, we deliver all the tools and tips you need in one place.

I'm told he needs an op to sort out his fangs and the final bill for his dentistry work is likely to be around £500. Because of his age my insurer Petplan has been quibbling over covering the cost. Surely after all these years of paying for the same protection policy I should expect no problem with the service?

It seems like such a huge sum of money just to cancel. I had no idea it would be so much, otherwise I might have thought twice before signing up to an 18-month contract. Are phone and broadband cancellation fees generally this high? How are they justified?