Why you shouldn’t upgrade your mobile

Five money-saving tips - including how to reduce your mobile phone bill, cut-price West End show tickets and online shopping on the cheap. Plus one wheeze you really should steer clear of.

If you are happy with your mobile, keep it rather than upgrading the next time your contract is up for renewal. Offers vary according to your contract, but typically you can negotiate cash back, some free months or a discount on the cost of your monthly line rental or bundled calls and text package. Also check that you are using all of your free minutes and texts each month, and ask to switch to a cheaper package if not.

Cut the cost of online grocery shopping

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Tim graduated with a history degree from Cambridge University in 1989 and, after a year of travelling, joined the financial services firm Ernst and Young in 1990, qualifying as a chartered accountant in 1994.

He then moved into financial markets training, designing and running a variety of courses at graduate level and beyond for a range of organisations including the Securities and Investment Institute and UBS. He joined MoneyWeek in 2007.