The link below is the Martin Lewis – Money Saving Expert website. It is a brilliant website. I have followed it for many years and it is where I find the best information about any monetary advice. He’s the best in my opinion. The rest about saving money is to live within your means and make the most of what you have and to focus on what yourself can accomplish with your life. To motivate others and to encourage others to also ‘motivate others’ in a sincere way.