'I'm a money expert, Brits are losing £1,000 a year from these lazy money habits'

You don't want to be losing money if you can help it and experts suggest there are some money habits you might have that could be costing you nearly a grand a year. Many people assume that getting on top of their finances means cutting out holidays or ditching life's little luxuries. But according to independent financial advisers at Holden & Partners, some of the most significant opportunities to save are far more mundane - and much easier to fix.

"We see clients losing hundreds, sometimes thousands, of pounds a year through overlooked or recurring expenses," says a spokesperson from Holden & Partners, a London-based financial planning and investment firm. The experts have shared which habits could be costing you and what you can do to get things back on track and save some cash.

One bad habit that could be draining your bank account is forgotten subscriptions. Whether it's a streaming platform, a premium app, or a monthly wine delivery, subscription services are easy to sign up for - and even easier to forget about. Research from Citizens Advice suggests one in five people pay for subscriptions they don't use.

"Higher earners, in particular, tend to accumulate multiple subscriptions," say advisers at Holden & Partners. "£10 here or £20 there may not feel significant, but it adds up fast."

To fix this issue, you can use a budgeting or subscription-tracking app (such as Snoop or Emma) to audit your active subscriptions and cancel anything you're not using.

You could save around £250 per year - and potentially much more depending on your lifestyle.

Another way you could be losing money is by having a premium gym membership which you rarely use.

A high-end gym might seem like a great commitment to fitness, but if you're only going once or twice a month, the maths doesn't work out.

At £150 a month, that's £75+ per workout - not exactly value for money.

"This isn't about giving up on exercise, but rather spending in accordance with your real habits."

Instead you could consider a pay-as-you-go gym, or build a home workout routine. Even occasional personal training sessions - say, two per month at £50 each - can keep you motivated at a much lower cost. This could save you up to £600 per year.

You may also be paying for bank account perks which you don't need, the experts warn.

Packaged bank accounts often include perks like travel insurance, breakdown cover, or airport lounge access.

These accounts usually charge a monthly fee - but if you're not using those perks, or if you already have the cover elsewhere, it's wasted money.

"Some clients hold onto these accounts out of habit but don't realise they're duplicating cover," says the Holden & Partners' team.

Make sure to review your bank account terms. If you're not using the extras, switch to a standard current account and eliminate the monthly fee.

You could save between £270 and £432 annually, depending on your provider.

Individually, these savings may not seem huge - but together, they can add up to over £1,000 per year in reclaimed cash.

"This is money that could be redirected into savings, pensions, or investments," say Holden & Partners. "It's about making your money work harder for you without feeling like you're going without."