Every week a Guardian Money reader submits a question, and it's up to you to help them out - a selection of the best answers will appear in Saturday's paper.
Perma-skint: the emptiness of an open wallet. Photo: Martin Godwin
This week's question: I'm broke, and really need to start saving some money. I gave up smoking years ago and barely drink, so there's no scope there. How do people hang on to their hard-earned cash? I'd love to know the secret saving methods that work best for readers.
What are your thoughts?
