Pinching the pennies doesn’t have to be boring; there are lots of ways to top up your funds without sacrificing fun. Change your thinking with these ideas to make saving easy and more enjoyable.

Just a few pennies can add up to some serious cash. If you always seem to have spare change lying around then this is the perfect challenge for you. Save a penny on day one, two on day two, and keep increasing every day. By the end of the year you’ll have a nice little savings pot.

Who doesn’t love a little competition? Choose a saving buddy and see who can save the most every month. For the ultimate race, offer prize money for the person who can put away the highest amount.

Library cards are free or super cheap. Once you have one you can head down to your local to get all your entertainment for free. You’ll find books, films, events and even board games to give you hours of fun.

Swap books, music and clothes with your friends. You can even throw a party by rounding up your unused items and inviting your buddies over to exchange goods.

Get something back in the places where you regularly spend money. Vouchers, air miles, cash back and free coffees will have you saving pennies.

Seeds cost next to nothing and homegrown produce tastes so much better. Choose seasonal produce that produces the highest yield for the best saving.

When you’re on foot, you see all kinds of things you’d never notice in a car or on public transport. Use it as an opportunity to explore your local neighbourhood, or just admire the scenery. It’s good for your health as well as your wealth.

If you need to drive to work carpooling is a great option. It saves money and also gives you the opportunity to meet other co-workers or commuters along the way. You’ll also be helping reduce congestion on the roads.

Seeing your money in pretty graphics can be satisfying. From helping you stick to a daily budget to saving for a major life milestone, there’ll be an app to guide you along the way. Search online for the top-rated ones.

Saving money often means disappointing Friday nights in front of the TV. Search #competitions on Twitter and you’ll find you can win a free meal, tickets to events, or even a holiday.

Stop birthdays and festive seasons breaking the bank by getting a little creative. For example, try making a homemade hamper for Christmas by picking up a cheap wicker basket and filling it with goodies such as food, home accessories and beauty items from your local stores.

Instead of going out with friends, save money by organising a potluck. Everyone can bring one dish and collectively, you’ll have an amazing, cost effective feast. Even better if you have a theme - try Mexican for a fun filled evening.

Sounds glamorous, right? If you want a great deal on a haircut, now might be the time to start your modelling career. That’s because students studying how to cut hair charge close to nothing. They might lack experience, but often do a decent job.

Meat can be expensive, so try challenging yourself to Meat Free Mondays. It’s a great excuse to try some new recipes and save some money.