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You can’t get something for nothing – or so we’re all told. More often than not, any deals where you’re offered to get something free usually mean you have to pay for something else in the first place. If you didn’t need to be buying the thing you’re paying for, you’re not really saving money!

However, there are a few things you’re probably paying for that you might actually be able to get for free. Read on to see our top tips for saving money on everyday expenses:

1) Credit report: you don’t need to pay to check your credit report. You can get access to your credit report with a 30 day free trial from Experian or Equifax, or sign up to Callcredit to get it free for life.

2) Music streaming: you can listen to music for free via sites like Spotify or internet radio stations. You’ll have to listen to a few adverts too so it’s not quite the same as putting on the CD, but if you’re having a party, you can get a 30 day free trial of Spotify Premium to remove the ads.

3) Books: in this modern technological age, you might not read many physical books anymore, preferring instead to download them onto your Kindle. If your kid’s learning to read though, they’ll probably still be on paper books. Take them out to the local library and you’ll be able to get books out for free, without filling up their rooms with novels they’re only going to read once.

4) Insurance when you’re already covered: we know what you’re thinking – why would anyone pay for insurance twice? Well, you might actually be paying for insurance for something you’re already covered for. For example, some home insurance policies also give you gadget cover so you don’t need to pay for this as well, and you may even be covered for travel too. It’s worth checking your policies to see what you’re covered for – so you don’t end up paying for something you don’t need.

5) Exercise: costly gym fees can make a big dent in your budget but you don’t need to spend money to get fit. Why not go for a run before you set off for work to get you ready for the day ahead? Or if your office is in a tall building, walk up and down the stairs a few times during your lunch break – Step Jockey is a great site for monitoring what you’ve done.

6) Calling abroad: if you want to call your friend while they’re on holiday in America, this can cost as much as £1 per minute, depending on your network provider. Instead, why not just call your friends on Skype for free? You can even use Skype to make a call to your friend’s mobile, though you do have to pay a small amount for this – 1.8p if they’re in the States.

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