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Some deals are even personalized based on what youve purchased before. Additionally, consumers can instantly score digital coupons via apps. Gault said shes even scored free items through her grocers app. 20. Save Big by Buying Refurbished If you aren't concerned with purchasing the latest and greatest gadgets, save a lot by buying refurbished tech items, said Kristin Cook, managing editor of deal site, Bens Bargains. These items are often used but restored to like-new condition, and many come with warranties. In some cases, you can buy these goods directly from manufacturers, such as Apple and Dell, as well as through retailers such as Best Buy and Newegg.com. Plan on saving anywhere from 10 percent to 40 percent by buying refurb, Cook said. 21. Beware of Fake Sales Plenty of retailers have what Cook calls fake sales," or discounts that arent truly good deals. Be especially skeptical of huge percentage-off sales on off-brand items, she said.

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"Better protection of the public purse is overdue, especially given the growth in the number of for-profit providers," said Prof

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Middlehurst. 'Bed of nails' The Higher Education and Research Bill, currently before Parliament, proposes a combined system for regulating traditional universities and so-called "alternative providers", with the aim of encouraging a wider market for students. There are more than 700 alternative providers, with almost 300,000 students - including for-profit colleges offering below degree-level courses, overseas-based colleges as well as well-regarded private institutions providing their own degree-level courses. More than 120 of these providers run courses eligible for student finance, with the cost of tuition fee loans and maintenance loans to this sector rising from 94m to 382m between 2010-11 and 2014-15. But creating a common set of rules for established universities and a wave of

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newcomers could turn into a "bed of nails", said the report co-author, John Fielden. Image copyright PA Image caption The university plans are intended to give more consumer choice for students The report warns that more than two-thirds of alternative providers could still remain outside of the regulations. The study highlights the experience in the US, which saw a rapid expansion in for-profit higher education colleges, raising concerns about recruitment tactics, dropout rates and access to student finance support. There have been repeated warnings in the UK about the need to safeguard public funding. The Public Accounts Committee warned last year that the government had ignored "repeated warnings" about the financial risks of alternative providers expanding "without sufficient regulation". There had been previous warnings from the National Audit Office of millions of pounds being lost to students who were not really eligible, high dropout rates and inadequate systems for recording students. But Alex Proudfoot of Independent Higher Education said: "The greatest risk to UK higher education is not independent providers but stagnation in the face of a rapidly changing world.