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Everybody has their own simple savings tips. Why not tweet them to us for your chance to win a £25 M&S gift voucher.

Tweet your tip starting with the hashtag #simplesavingtips. You must also include @scotfriendly in your tweet.

Scottish Friendly will select the top ten tips and the winners will be notified using Twitter. To be eligible for the competition, you will also need to follow@scotfriendly.

The closing date is 1st April after which our 10 winners will be chosen from all eligible entries. Please only use one Twitter account to enter and limit multiple entries to one per day. For full details, see our terms and conditions.

No advice has been provided by Scottish Friendly. If you are in any doubt as to whether a savings or investment plan is suitable for you, you should contact a financial adviser for advice. If you do not have a financial adviser, you can get details of local financial advisers by visiting Advisers may charge for providing such advice and should confirm any cost beforehand.