Oh mo-ney mo-ney mo-ney mon-ey

CREDIT CRUNCH TIPS!!!!

DON'T waste money on expensive ipods. Simply think of your favourite tune and hum it. If you want to "switch tracks", simply think of another song you like and hum that instead.

HOMEOWNERS: Prevent burglars stealing everything in the house by simply moving everything in the house into your bedroom when you go to bed.
In the morning, simply move it all back again.

SAVE money on expensive personalised car number plates by simply changing your name to match your existing plate. - Mr. KVL 741GP,

DON'T waste money buying expensive binoculars; simply stand closer to the object you wish to view.

SAVE electricity by turning off all the lights in your house and walking around wearing a miner's hat.

HOUSEWIVES, the best way to get two bottles of washing-up liquid for the price of one is by putting one in your shopping trolley and the other in your coat pocket.

OLD telephone directories make ideal personal address books, simply cross out the names and address of people you don't know.

SAVE on booze by drinking cold tea instead of whisky. The following morning you can create the effects of a hangover by drinking a thimble full of washing up liquid and banging your head repeatedly against the wall.

SAVE a fortune on laundry bills. Give your dirty shirts to Oxfam, they will wash and iron them and you can buy them back for fifty pence.

OLD people, if you feel cold indoors this winter, simply pop outside for ten minutes without a coat, when you go back inside you will really feel the benefit.

CAN'T afford contact lenses? Simply cut out small circles of cling film and press them into your eyes.

WHY pay the earth for expensive jigsaws? Just take a bag of frozen chips from the freezer and try piecing together potatoes.

MIX tea with coffee, and leave in the fridge to cool. Hey presto! Toffee.

MAKE your own inexpensive mints by leaving blobs of toothpaste to dry on a window sill. Use striped toothpaste to make humbugs.

SHOPPERS, when buying oranges, get more for your money by peeling them before taking them to the counter to be weighed