The credit crunch has affected almost everyone so when you want to rush out to purchase the beachwear you've been eying up for your summer wardrobe, it might be a good idea to consider how these credit crunching tips might save a few pennies so you can afford that bikini after all.

Tip 1 - Purchase online: One of the biggest savings consumers can make nowadays is to purchase online. Online retailers generally do not have the same overheads as the high street stores so their prices are usually cheaper, sometimes as much as 50 percent cheaper.

Tip 2 - Budget: Work out how much you need for your household bills and allow yourself a budget to spend on the swimwear or beachwear you want. This way, you know how much you can afford and won't feel so guilty afterwards.

Tip 3 - Neutral colours: Although that latest season tankini or bikini might look out of this world, if you are only going to purchase one then you might prefer to go for a more neutral, classic colour or style so it won't look so dated when the new range comes out.

Tip 4 - Accessorise: In recent years, fashionable divas have come to recognise the value that accessories offer. By changing just a few accessories, you can give your wardrobe a whole new look at a fraction of the price. For beachwear or swimwear, accessorise with a sarong or shorts for a whole new you.

Tip 5 - Correct sizing: Clothing, even swimwear or beachwear, will last much longer if you purchase the correct size for you. Do not be tempted to purchase that tankini that is just a little too tight. Instead, buy a summer wardrobe from a retailer that offers a range of sizes so you can find the tankini that looks fabulous on you.

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