Is there an easy way around it? Perhaps not, but here are a few handy pointers which might make it a little easier and cheaper.

As with most things, do your homework. Having a shopping list of what you need and a thought-out plan of how much, as well as an expected cost will see you leave the supermarket in front. A great idea if you're computer savvy is to use an Excel spreadsheet - and have all the items you regularly buy. Each week, copy the items you need into a new spreadsheet - and stick to your list!

If you're confident with technology - try shopping online. It may be better suited to city slickers, but exploring your options may save you time, money and the hassle of pushing a trolley!

Where you can, buy in bulk. It's quite often cheaper and means you won't be running back to the shop next week for the same item.

Keep your eye on the scanner at the supermarket - making sure your "2 for 1'' promotional offers go through correctly and all prices are accurate. If you notice something that's not right - speak up.

Shop after or before normal shopping hours. If it's possible, sneak out after the kids are tucked into bed. Doing this means the supermarket is not as busy, you don't have the kids wanting extra items and you'll often pick up some end of day bargains that have been marked down for a quick sale. Things like bread and meat which can be frozen can be a great bargain, but make sure you do check the used-by date to ensure you've got some leeway.

The age-old rule of not shopping while you're hungry obviously applies - and avoid shopping on impulse as this is often where your bill gets out of control.

And above all - be flexible.

I know there are some things I won't compromise on, like toothpaste, but if I'm after some sweet biscuits then I'll look for the ones on special, instead of always buying the same brand.

*Sara Morrison is client services manager at South West Credit.