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HAVE you lost a relative or friend in recent months whose life you'd like to celebrate? Our Friday column tells the stories of ordinary people who lived extraordinary lives. Email your 350-word tribute to: lives@dailymail.co.uk or write to: Extraordinary Lives, Daily Mail, 2 Derry Street, London W8 5TT. Please include a contact phone number. [ABSTRACT FROM PUBLISHER]

The article provides suggestions to the readers on how to save more money. The authors advices that first look at your fixed expenses. How much of the income goes to savings each month? Consider the contributions to the retirement plan, plus any regular savings programs the one participates in. Then the readers are advised to look at variable expenses.