Two bottles of wine a week could cost on average £12 a week or £48 a month.

Have an honest look at fuel consumption for your vehicle, could you not use it so much, could you walk more, this would keep you healthier, could you make a deal with someone to share the costs of running too and from work.

Have a look at the food bill, can you cut costs or get better value for your money by not buying conveniences, sweets and junk food.

Take a look at your utilities; switch off the lights and electronic equipment when on standby, cut back on water and gas usage.

Nowadays you won't be looked at as being a miser or skinflint but a global friendly eco warrior.

What I am saying here and I think you will agree, with a little bit of thought and effort you can change your habits and lifestyle in small ways to find that 10% you need to start the ball rolling.

Take an honest look at the No 1 Rule of Wealth Creation "Pay Yourself First" and you will soon see how to turn these small gains into massive wealth creation.

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