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.