11 Smart Ways To Save Money

Don't we all need to save more money? Or have more money for shoes or good times? Here's 11 ways to save more of your hard-earned money. Number 6 is a game-changer!

Ah, adulthood. Who’d have thunk it would be so much fun? All those delicious bills and money worries. Nobody told us about those when we were 10, did they?

In the past I thought it was best to ignore the money stuff and pretend it wasn’t there. The bills would sort themselves out, right? But then I got smart and realised it’s best to tackle them head on. It actually relieves a little stress when you’re on top of everything, and have a plan.

Today I’m sharing 11 money-saving tips that I’ve learned from friends, and loved ones, and life itself, so that you have more money for the big things in life; like cars, babies, and good things like holidays.


11 smart ways to save money

1. Streamline your accounts

Do you still have that old account from when you were 15? Yes? And perhaps there is that credit card that you got that one time you went to the Gold Coast? Streamline, my friend, streamline. Close any unused accounts and credit cards, and keep your money streamlined.

2. Properly track incoming funds

Work out exactly all incoming funds you have coming in each month. I know that sounds obvious but it’s great to check in and know the exact amount.

3. Know what’s going out

My sister is the budget-queen {I really should get her a crown} so I’ve learned so much from her. She’ll work out all the money she has outgoing – everything – and then she’ll work out how much she needs to put away for it each week. So, even car registration which is paid yearly, is worked out to a weekly number… so nothing comes as a surprise. This budget sheet is super handy to print out and get organised. Grab it here

Free Printable Monthly Budget Planner! This planner will have you on top of your financials and feeling stress-free in no time. More money for shoes, right?

4. Track yourself

I know this all can sound boring, but it’s kinda the responsible thing to do, an in the long-run you’ll be less stressed and grateful that you know exactly where you’re at financially. For one week {or a month if you can handle it} track everything you spend money on. This includes coffees, snacks, magazines, Apps, everything. It’s surprising how quickly everything adds up.

5. Meal plan!

Please tell me you meal plan. Please? It’s the best way to not spend money on food you don’t need. Here’s a free printable to get you sorted.

Printable Meal Planner!

6. Set a date!

This tip from my Business Coach is golden to me. She sets a non-negotiable date to review her finances, and it’s always the 1st of the month. She works out how much money she has, any big expenditures coming up, and spends ten minutes chatting to her husband about it all. I now do the same.

7. Wait to make a purchase

If you’re anything like me, you think you need something IMMEDIATELY. I believe that I will not survive without those jeans. BUT if you step away from the shop or the computer and promise yourself that if you still want them in 5 days you can have them, it’s amazing how quickly you forget about them. But if you’re still thinking about them lustfully 5 days on, you can get them.

8. Sell stuff & make money!

I used to be an eager eBayer, but then it became too time consuming. But then came Gumtree and Facebook Buy, Swap & Sell Groups. It’s so easy to sell stuff. The bonus is that you get to make space in your house, which is always a good thing.

9. Stick to cash

A few friends of mine work with their budget, and get money out of their account for spending during the week. This way they have the money they have, and nothing more. They can open their wallet and see what they have left for the week.

10. Leave your credit card at home

Temptation is a funny thing, and so easy to give into. Sometimes it’s smart to leave the credit card at home, so it’s not so convenient to buy things you don’t really need.

11. Do a stock take

Have you ever bought a t-shirt/dress/jeans because you thought you had nothing like it at home, only to rediscover that you have pretty much the same thing already? Do a stock take of your wardrobe and figure out what you already have. The KonMari method is great for this. Do it with your pantry too. You probably don’t need another packet of pasta or tinned tomatoes, they’re just hiding in the back there!


71 thoughts on “11 Smart Ways To Save Money”

  1. I (try to) always put money that I “saved” on shopping trips (through coupons, sales, etc.) in my savings account. This way, I will REALLY see my savings and reap the benefits of shopping smart in the first place.

  2. Simply when doing grocery shopping, go to NQR 1st and buy what you need there before going to regular suppermarket because you will save money. Even when going to regular suppermarket just buy whats on special youll save money again.

  3. MOBILE PHONES !!!
    Once your plan ends, consider jumping over to a prepaid plan. If you have a phone in working order, do you really need to upgrade every time? Sometimes you can even find new phones on ebay and gumtree for up to half the price of a new one.
    But back to the plans – now Telstra and some of the other providers have had a competition war – you can pick up unlimited calls to any phone (mobile and landlines) for only $40 a month.
    We’ve got all the teenagers around us onto it and now there are no more surprise ‘over charges’.
    One is still paying off an overcharge of nearly $1000 from a year ago.
    Recharge can be done online or pick up a voucher from a service station or providers store. Easy Peasy.

  4. Money saving tip – never spend a $5 note! Put all your $5 notes in a money box for a year and presto – Christmas, holiday etc paid for! 🙂

  5. I take out all my $1 and silver coins from my wallet and put into a money box ,when it is full ( around every three months) I take the coins to the bank and deposit. I usually have around $90 worth of coins, it feels like a bonus as I never miss those coins when saving them.

  6. If you have kids and friends with kids, organise a toy swap every 2-3 months, that way your kids have newish toys to play with with and you don’t spend on another new toy that will be forgotten in a week 😉

  7. Take advantage of the bargains in your supermarket catalogues. Stock up on your pantry basics/essentials especially. Big savings to be made. Some weeks I even find that by “shopping” in my pantry I cut my grocery bill right down.

  8. Take your lunch to work, transfer the $10-15 you would’ve spent into a savings account for sow thing nice. This has the added health/weight loss benefits because you’re not eating so much take away food 🙂

  9. Take advantage of rewards systems like Fly Buys. Fly Buys is great as they offer lots of bonus points and they add up really quickly. You can then cash in points for dollars off your shop which means you can put away the money you are saving. Works for us! 🙂

  10. I try to do the 70/20/10 method each pay… Live off 70% of wage – includes groceries/fuel/necessities and mortgage repayments, 20% goes into bills account for all other bills to be paid out of and 10% into savings account. When I do the groceries, I also withdraw cash and stash – some away in safe and the rest for fun/other items during week.

  11. For the last few years I’ve been attempting to complete the “52 Week Money Challenge”, but always come to a grinding halt after 2 or 3 months. This year, however I am already halfway through. Every week you add an extra amount into you kitty (either a bank account or a money tin)…e.g Week 1 $1, Week 2 $2 etc. I’m doing it in reverse, so the first week in January I deposited $52. After the month of January I decided to do it monthly instead which worked out to be a lot easier for me. By the end of the year I should have accumulated about $1340…& a little bit extra from adding loose change in there too 😉

  12. Do supermarket shopping online. Its easier to stick to a set budget and you dont end up picking up extra items just because you see them and think you want them.

  13. every week bpay a small amount off your electricity even if it`s only $5.00 it`s nice when you get a smaller bill in the mail. and you don`t have to scramble to find a huge amount all at once

  14. I’ve always been a budget queen – while attending university, my sister and I used to have separate tins to keep our money in. They were labeled for rent, phone, electricity, bus tickets, groceries. I remember we’d only ever have $5 or so left over to treat ourselves! Nowadays, I pay weekly into my bills, so there are no surprises. My best tip is to pay off my credit card bill every month, to save on fees from the bank. That way, it’s like the bank never wins!

  15. I find having something visual really helps. Whenever hubby and I want to save we draw up a saving thermometer and colour it in as we add funds. Hubby is a good artiste so puts a pic at the top of what we’re saving for. This helped us save for our wedding, save for a friends wedding in USA (including a 6 week holiday over there) and save a deposit for our house. We love the savings thermometer.

  16. Small things that I do that save MONEY are using Tupperware for snacks and food that I take to work where I used to use baggies. I also make my own household cleaners that do a great job, where I used to spend money on different cleaners, now I make one that cleans just about everything even glass and mirrors! I also sell things that were not using anymore on the online garage sale sights, I have a percentage of my check go into my savings accounts as well as my 401K. The biggest money saver I did this year to my home was have an energy shield installed in my attic…I live in an all electric home and the bill was outrageous, now its less than half what it used to be 🙂

  17. I withdraw cash every fortnight and split it among groceries, petrol, entertainment, etc. Pretty standard envelope method, but whatever cash is left over, which can range from $5 up to $50 gets put into a money tin I can’t open. I only break it open at Christmas and have found that this can cover a large amount of my Christmas present shopping. It helps a lot!

  18. Every day when I come home I put all my loose change into a money tin. Those ones that you can only open with a can opener. Doesn’t take long for it to add up. Once it’s in, you can’t take it out. Forced savings.

  19. We don’t buy any silly things we don’t need with Fly Buy points. We save them to convert to supermarket dollars at Christmas time. It’s usually at least $100 which is so nice to have at that time of year!

  20. I keep an Excel sheet for each month showing my paycheques and bills for that month. Any money left is divided by the number of paycheques in the month (4 or 5) and that is what I have for food, entertainment, etc. I have even put regular savings account transfers into the budget with the bills so that I actually do put money into savings and don’t fritter it away. I’m very proud to say that I have some savings, no debt and my bills are paid. I couldn’t say that not so long ago.
    I can’t enter the contest since I’m in Canada. 🙁

  21. Online surveys
    Yes boring and repetitive but if you have the time they build up, extra cash in gift cards, bank deposit or paypal, money is always good

  22. The day after I get paid my money automatically moves out of my everyday account and into others such as a bills account, everyday savings and a high interest savings, whatever is left is my play money!!

  23. We lost over half our income when my husband stopped FIFO, not only that but we’d also had 2 more kids & it didn’t make sense for me to go back to work ( daycare fees!!!) so we had to REALLY look at our budget hard! These are things that have helped us
    – I’ve got a whole years worth of spending mapped out into months. I can see what we need for bills each week which helps keeps us inline with spending.
    – every single bill is broken into weekly/fortnighly/monthly amounts & direct debited from our account.
    – we pay into 2 savings accounts each week. One is a Christmas/holiday account, the other is a long term saver. It’s important to us to put a small amount away each week.
    – when interest rates last went down we kept our payment the same. We’d already budgeted that amount so I figured it was better to keep that payment going while we can.
    – meal plan, have a stockpile & do your groceries online. All these things help me save money in the kitchen.
    – I love books but mainly borrow from the library so I’m not wasting money on books I’ll read once. It’s a small thing but every little bit makes a difference.

  24. Regularly review and ring around for good deals; insurance, mortgage, utilities, phone plans, pay TV however make sure you weigh up any break contract fees, exit fees etc. We recently reviewed our mortgage and were ready to sign up with a new provider, however worked out (for ourselves) that we wouldn’t even break even the first year so rang our existing provider who dropped their rate and waived a fee. You don’t get if you don’t ask!

  25. Ok so this tip not only saves you money but also your time which in turn saves you money because after all your time is also worthy.

    I’m sure I’m not the only mum who does a load of laundry every day. Well how many of you hang it on the line to dry?? And of course now it’s winter…it’s rainy…it’s easier to use the dryer…but also more expensive.

    My solution? I use a curtain rod with spring rod ends and fit it between the walls (don’t forget to use furniture savers between the walls and rod) in my laundry. As the washing finishes I take out all things that I want wrinkle free and hang them straight onto hangers and leave them to dry before hanging them straight into their owners closet. When I do use the dryer I use it at night and tilt the vent outwards pointing down towards my children’s bedroom thus supplying heat and warming my children’s bedroom all the while drying clothes ? Win win ??

  26. If you’ve got school kids (so many birthday parties!) keep a ‘present box’, and never pass a clearance table without a look! I’m not talking rubbish (I’d never give a gift I wouldn’t want my child to receive) but I often pick up arty/crafty bits, books, and other cute little things really cheap. Then my kids can help make up a parcel of goodies that looks like a lot but was really inexpensive. Plus I avoid last minute stress. Homemade cards and wrapping paper save even more and add a nice personalised touch.

  27. My best ever money saving tip is NO JUNK MAIL – if WE don’t see it we don’t want it,,, and while we’re not at the shops we are not buying other stuff either!!! I didn’t even buy a sign for the letter box, I just wrote it on with permanent marker “NO JUNK MAIL THANK YOU”!!!

  28. If you get a hold of the Entertainment Book each year they offer discounts on popular gift cards throughout the year. For example 5-10% off Woolworths or David Jones cards. I usually buy the woolies cards and use them for budgeting my grocery shop so i am automatically recieving a minimum of 5% off my shop every week. When i need to purchase a big ticket item from a Department store i buy the DJs gift card at 10% off so that once again I’ve automatically got myself a discount even if the item is full RRP!

  29. A great little tip to save a few bucks each week. When you next buy spring onions snip off the roots and plant into a little pot filled with potting mix and with a little water each day you will never have to buy spring onions again!! This also works really well with celery, lettuce, cos lettuce, Bok Choy and plenty of other veg!

  30. eveytime i have an urge to spend on stuff i dont need like a take away coffee or little bargins, i pop that money into a jar. By the end of a few months theres atleast close to $100. It all adds up and is our hoilday fund every year

  31. My Husband and I play the how much would we pay for it game ..if we guess wrong we can’t buy it ?..saves plenty of money ! Plus you feel like your on The Price is Right ?

  32. Be accountable for your spending. Understand your bills, could you get a better deal? Don’t get caught up in the idea you need a new car, a bigger house. Get a savings account , contribute consistently. Eat from a meal plan, bring your own food. Track your spending could you make cuts? See what I did there …… BUDGET ……… 😉

  33. I practically live at my local library. In addition to saving money on all the latest books, magazines and dvds, I can access computers, television, free wifi and even charge my mobile phone and other electrical appliances. The library run free writing and cooking classes. You can attend talks from authors and even get a delicious free morning tea.
    If you enjoy the arts and/or work in the CBD, consider also becoming a member of the art gallery. For an initial outlay of about $60, you get year round access to the members lounge in every art gallery in the country. The member’s lounge is usually quiet and you can work on your laptop in comfort, read the paper and/or meet up with your fellow member friend for unlimited free tea and coffee.

  34. I’ve just moved out of home for the first time so I’m loving all these money saving tips by other contributors. My top tips that have saved me from spending heaps are:

    1. Second-hand/thrift shops for anything from kitchen-wares to clothes and books. Particularly useful for when you travel, you can find a winter jacket or a Harry Potter book in just about any opshop, and when you’re done, just donate them right back.

    2. Filtered on-the-go water bottles. In my new city the water tastes a bit different to home, and rather than buying bottled water (and wasting all that plastic), I just fill up each day and off I go!

    3. Have a crafternoon and make your own greeting and holiday cards – I had a go this last Christmas and it felt really special being able to give friends and family a little personalised handmade card. It was also surprisingly cheaper than purchasing regular cards. Check out your local stationery shop.

    4. If on occasion I find something that I really love that is probably too expensive for my budget (like a pretty dress!) – I leave it be. If it’s still on my mind a few weeks later then it’s probably something special. If not, I probably never really wanted (or needed!) it in the first place.

    Hope these have helped! Happy saving x

  35. We save our gold coins for things we’d like but won’t budget for, like the Dyson fan in our bedroom. Our gold coin pigs have also saved our bacon when bills outstripped income one month and kept us afloat in bread, milk and vegetables. Hubby hates having coins in his pockets (although I have a dedicated coin purse) so it’s a simple way to save some cash.

  36. After living in England for two years, I became a loyal companion of the FREE cash withdrawals at ATMs. It was a little piece of heavenly bliss knowing I had a cheeky 2£ still at my disposal. After two months back in Australia, as a once savvy (and now broke) spender, I was confronted by my Australian bank statement *sigh*. ‘Hello multiple ATM transaction fees, long time no see’.
    I believe it is definitely worthwhile going over your bank statements and seeing where your hard earned money is going! Hopefully it isn’t going to fees and charges.
    After budgeting your weekly spendings, find your local branch or local ATM, even utilise the free cash out with In-store purchases, and withdraw your cash there! You will have what you are allowed to spend each week at your fingertips. This will minimise those ‘insignificant’ transaction fees that bulk up and surprise you, like unexpected visitors tend to when you’re in the shower. It pays to be mindful and think ahead 🙂

  37. Track your spending then work out what you spend in each category for the year, now divide that by your pay frequency (weekly 52, fortnightly 26 etc) and then you know how much you need to put away each pay for each category. I use fee free accounts at Ing I probably have 10 or so enough for all my categories and I set up an automatic transfer to each for the amounts I’ve worked out. The bonus of using the ing accounts is that I cant spend the money on other things without having to wait to transfer it back to my normal account, so sometimes it’s not worth the hassle or I decide I can go without by the time the money transfers back to my normal account.

  38. Make sure you pay yourself first! This is a huge thing for me when budgeting for bills. I think if you have a little savings nest egg, it is a lot easier to stop those impulse buys which makes it easier to save for a bigger goal.

  39. My partner and I both quit smoking at the same time, using e-cigs. It’s saving us hundreds of dollars and we feel much, much healthier.

  40. Find a “save money” friend. You can share tips, enjoy cheap nights out together (you won’t be called a cheapskate) and borrow from each other. Compete to see who saves the most.

  41. Don’t use credit cards! Or if you have to, pay the amount in full next pay, or as much as possible asap. But truly, don’t use credit cards!!
    We have a family budget that I’ve entered into a spreadsheet so whenever any amounts change it’s really easy to calculate. I update it every couple of months.
    Use bank accounts that work with you to save money, not against you. Eg fee-free accounts, cash-back accounts, no-fee atm cards, high-interest accounts (pretty much nonexistent right now, unfortunately!).
    I think about money all the time! I freak out if we don’t have a chunk of savings squirrelled away.

  42. Salary Sacrifice your pay. A company takes money from your weekly pay & pops it into your nominated savings or mortgage account. Then you get the rest of your pay into your normal account. You don’t miss it and it means that large items like holidays, cars, mortgages are paid off sooner.

  43. Every cent counts!.. I have a habit where I don’t carry shrapnel (silver coins). They weight down my purse, so I keep a coffee jar, and at the end of each day I throw all my silver into the jar, occasionally a gold coin might get thrown in for good measure. With all those .5c coins we don’t use, the jar fills pretty quickly… : ).

  44. Learn to love meat-free meals. We just had a very tight month and I saved a huge proportion of our grocery bill with dishes like cauliflower burgers, minestrone, pumpkin gnocci and eggplant parmigiana. These meals are healthy, cheap and the family love them.

  45. Buy second hand, or borrow off your community. I had a wedding on the weekend and needed a jacket because I knew it would be cold. Instead of buying new, I borrowed a jacket from a friend. No cost, no hassle and I think I looked super sharp.

  46. I round all my monthly bills up. So if a monthly bill is $84 i round it up to $90. I then take all my monthly bills and divide them by 4 (weeks in a month). Lets say all your bills total $2000 a month your weekly total will be $500. Each week a direct debit for $500 goes to your bills account. The bonus to dividing by 4 weeks is that every few months you will actually get paid 5 times in a month (not the 4 that you budgeted for). So instantly every time this occurs you save $500. And you have actually saved more than that as you rounded everything up to start with. Doing this helps my family go on holidays yearly.

  47. Another way to save is having a small amount weekly go to a savings account. But the savings account should only be accessable via going into the bank. Name the amount that goes into your savings something like “bill payment” so it tricks your mind into thinking you are not saving and it is just another bill to be paid

  48. It’s only a small tip, but if you use interesting banking and check it regularly. How about rounding off the figure say… $123.45, I would place $3.45 into a savings account. This can add up overtime and a easy was to put some money away for Christmas, travel or a rainy day.

  49. I know it’s obvious but always buy on sale. New season clothes go on sale within 6 or so weeks of coming out, that’s not too long to wait. I organise my meals around meat and veg on sale each week.

  50. My husband and I had a recent sit-down and looked at all the fees we were incurring on all our accounts, and approached a few banks to see what we might be offered to change all our personal and business banking to them. Turns out that shopping around isn’t just for jeans, every bank isn’t the perfect fit! We found that a credit union saved us so much in fees and hidden costs, we’re now saving that money for a holiday instead!

  51. Work out what you can expenses you can cancel, do you really need that subscribition or unused gym membership? Can you save money but not buying that daily coffee? Can you reduce your insurance premiums by sitting down and timing around. The money saver trick here is not to just let those amounts you saved to get lost in the account. Continue to pretend to pay them but save those little bits up to create an emergency fund or save for a trip. For example you might save sixty on and unused gym membership, cut out a five dollar per workday coffee habit, reduced premiums by sixty dollars per year on three insurances. Keep stockpiling that little bit of money and at the end of twelve months you will have a little nest egg of $2,200. Once you begin to cut cost else where add the little bits and pieces and watch the fund grow. It’s amazing as this was money that you were previously spending without really noticing.

  52. My husband saves all his coins – it is amazing how quickly they add up to quite a significant amount.
    Also, shop around, including online. I recently purchased a new fridge, and thanks to shipping around was able to find it significantly cheaper online, including free delivery!

  53. I have added up all our bills for the year and then put away money each week to cover them. I also put a small amount of money each week into an account as though it is a bill account but that is for holidays or special treats

  54. If the kids want to use my phone when we are in the car, I try to make sure it’s on airplane mode so they can’t use all my data on YouTube and incur extra data fees on my phone bill.

  55. Renegotiate or shop around for all bills. I shopped around for my gas, electricity, car insurance, and home and contents insurance last month, and as a result I’ve managed to find/save an additional $150 per week. I can’t believe I’ve been giving this money to my suppliers for so long! Buy a large aluminum money box from the a discount store and put all your coins in there, we did this for five years (with a 30cm high money box) saving mostly gold coins and accumulated $3,000. I too have broken down my bills into fortnightly amounts (as thats how often I get paid), with the weekly/fortnightly/monthly/bi-monthly bills all on direct debit with their estimated amounts. Then for my quarterly/half yearly/yearly bills, these monies are also broken down into fortnightly amounts but are put into a short-term savings account.

  56. Being on one wage can be very hard at times, but I generally use the 70/20/10 method, where we try to live off – mortgage/groceries/everyday car running expenses 70% of weekly wage, bank 20% into our Bills/school/other living expenses and 10% into savings/holidays/emergency funds…. I also try to put all of our silver shrapnel into a ‘piggy bank’ and every six months/12months bank it into savings/other account. We also grow as many of our own fruit/veges as possible, shop at local markets and have chooks for eggs etc, while harvesting and filtering rainwater from our tank. Its little things like these that we make small savings from.
    And last week I reacquainted myself with a local opshop, finding a beautiful, unworn, name brand dress still with it’s $100+ tag attached. It was down to $19.95 and then slashed again to half price – perfect for my cousin’s wedding next year – which has also helped with our ‘savings goal’ of getting to it (several hundred km’s away), and my ‘healthy goals’ of maintaining (if not slightly slimming down) to make sure I fit it in 8 months time!

  57. Not going to the grocery store everyday. For me it’s the biggest challenge and the easiest saving!

  58. The first week of every month I take an inventory of our food pantry and freezer. I take note of what we currently have and need to use up such as a few stray carrots or half a box of pasta, etc. I create a meal plan for the first week of the month using these items and try to avoid making a trip to the store that first week. It helps me stretch my grocery budget for the rest of the month and avoid wasting any food. Plus it’s really helped me get more creative in the kitchen

  59. I pay my bills weekly with a scheduled BPay payment that goes into electricity, phone, water, strata, credit card and rates. That way when the bills come in – they are already paid!! Most of the time, I am in credit. No nasty surprises!!

  60. Hand-me-down arrangements between family, friends and of course between siblings have saved ALOT of money and time as well as sharing joy through memories 🙂
    I have a girl/boy/boy/girl and when I am filling the inevitable gaps in their wardrobe I try to opt for gender neutral colours, where possible. Fortunately my eldest daughter went off pink and purple early! I give myself a little fist pump when I pull out something from the clothes box that I had purchased with the hope that another child (opposite gender) could eventually use! Child number 4 currently wearing size 1 flannelette jarmies in zebra stripes!

  61. A lot of our ideas have already been covered so going to leave you with our secret $2 tightarse carwash technique! Car washing costs add up over time. Obviously best to do it over the lawn at home however this is not an option for us or many others. So here is our tried and tested thrifty DIY $2 carwash!
    Pull put the wipers. Take hold of the power spray and turn the knob to high pressure soap/spray. Put in your first dollar and off you go, wetting the car down top to bottom. 15-30 secs in, switch to the soap brush and focus on soaping the windows and mirrors and any obvious marks e.g. bird poop! Time will run out at that point, but that’s okay, work your way around each side of the car spreading the soap foam around working top to bottom, hub caps last.
    Take hold of the power spray again and pop in the second dollar. Rinse down the car, going from the top to bottom, one side of the car at a time. Really focus on the top first as the water that rinses down will help rinse the suds off below to a large degree. Again hubcaps last. Chamois or air dry!
    This works best for a small to medium car. Tricky to get our people mover done in $2, usually an extra dollar required (damn!), but we keep trying and have managed to pull it off a few times! Haha! Wear joggers and comfy clothes and for those of you also saving on gym fees you can tick your exercise off for the day!

  62. There seems to be a lot of $avvy followers as many of my tips are covered (with a lot of new tips I want to implement also!). My top tip is to ‘pay it forward’ by teaching the value of money to my kids early on. They have had their own saving accounts since forever, their own change tins, do chores for money and swap, sell or donate toys and clothes and save up for the things they want.

    How does this save ME money?

    For one, trips to the grocery store or shopping centre are quieter with less ‘mum can I have that?!… And that… And oh mum, look at that!!!!’ as they know how hard they’ll work for it! It also allows me to reinforce money saving habits (turning off the lights when not needed, switching off at power points, eating leftovers and reusing things for crafts and projects… And did I mention chores?)

    In this way saving money is not not the sole responsibility of yours truly, but the responsibility of the family as a whole and for everyone’s benefit!

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