If you are living pay-check to pay-check, it is likely that you have not established a budgeting system to control your spending habits. Here are some useful ways to lower your monthly expenses:
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Driving might be convenient, but the fuel and maintenance costs will eat into your savings. Start carpooling to work or make the most of public transport.
It is difficult to resist impulse purchasing when you are constantly bombarded with advertisements. If you have your heart set on an expensive item, take a few days to think about it before making the purchase.
Start tracking your expenses, so that you can understand your spending habits and cut out unnecessary expenses.
If you have remained on the same energy plan for a number of years it is likely the initial discount period has expired and you are paying a higher rate. Compare electricity plans and switch to a more competitively-priced plan.
From pantry staples to wardrobe basics, you can save money by purchasing generic items rather than well-known brands.
Eating takeout every night is expensive and unhealthy. Increase your savings by buying groceries in bulk and creating meal plans for the weeknights.
Look for discounts and sale items before purchasing a product full price. Use price tracking tools to alert you to price drops.
Cancel subscriptions and memberships to online streaming services and enjoy free activities like the beach or local art galleries.
Whether you are looking for a new outfit or a laptop, explore second-hand options before purchasing a brand new item. Depop, Facebook Marketplace and eBay are popular platforms for pre-loved goods.
Be mindful of your energy usage to minimise wastage and increase savings. Make sure to turn off the lights and HVAC system when you leave the house and use energy efficient LED lightbulbs.
Craft handmade gifts for your family and friends this holiday season to avoid maxing out your credit card. Remember, it’s the thought that counts.
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