How to Save Thousands in Your Budget
Do you save on the small stuff but leave thousands on the table without realising it because you think it’s too much effort?
Nationwide research conducted by University of Technology Sydney (UTS) revealed Australians crave the instant gratification they get from saving a few dollars on food and fashion but are ignoring the potential to save thousands by doing the same on major purchases.
What if you could save THOUSANDS in one hit, instead of simply trying to save a few dollars here and there on fashion or coffee?
It’s great to shop around for bargains, aim to never pay full price for everyday expenses, but what about the big expenses you already have set up via direct debit or pay for and it looks like too much effort to switch?
Note: If you like free money, check out how to get a $100 cash bonus from ING, $15 from Up Bank or have a look at the full list of freebies, offers and discounts for every state.
Disclosure – this post may contain affiliate links for products and services we use and recommend.
1. Compare and Switch Mortgage Providers – Save $3,000+ per Year
If you have a mortgage, when is the last time you check the interest rate, fees, charges and options?
Interest rates vary between lenders by over 1.5% and the average Aussie has saved $3,000 annually by doing a home loan health check.
When comparing loans, you can use a broker, ask your bank for a reduced rate or do the research yourself.
Check establishment fees, monthly fees, options like offset accounts, redraw facilities and interest rates to ensure the loan you choose is right for you.
Time Invested
Between a few days to a few weeks for actual approval. Your personal time investment is a couple of hours for research and paperwork.
Make Extra Money
Check out how to make your mortgage to pay for itself for ideas on how to make extra money from your home.
There are lots of options including Airbnb (we have a full guide to making money from Airbnb here), getting a boarder, renting out your garage and more.
2. Rent Somewhere Cheaper – Save $2,600 to $10,400 per Year
If you are renting, can you rent somewhere cheaper?
Do you really need all the bedrooms you have or would a smaller place work?
Maybe share with someone else to help reduce the cost.
Read 14 tips for renting a room first) or rent the driveway, garage or pool.
Time Invested
It takes minimal time to list a room for rent but can take hours to do the paperwork, look for homes and pack everything to move then unpack once there.
Make Money
Check your lease and any laws where you are before you try anything. You could potentially rent out a room, garage, anything. Try these tips for Airbnb to get you started.
3. Compare Health Insurance – Save $300+
Instead of staying with the same plan and provider, review it regularly, see what you are actually using and save.
Time Invested
Comparing health insurance needn’t take long. In fact, you can do it in under 10 minutes. Use this government website to compare policies.
Make Money
Place the money you save into a savings account, on debt to continue to make/save you money or invest it in shares.
Plus, look out for health insurance switch deals, or health insurance that offers bonus points for a loyalty program you are part of.
4. House Insurance – Save $200+ per Year
Make sure you are adequately insured for either home and contents or at least get renters/contents insurance if you rent.
Compare to make sure you are insured enough to replace everything, have specific items listed if needed and do a comparison to make sure you are getting the best deal.
Time Invested
It takes less than 15 minutes to do a comparison online but be sure to put in accurate details.
Make Money
You can’t make money from house insurance, however, if you need to use it, you’ll appreciate it.
5. Car And Other Insurance – Save $240+ per year
Do a complete insurance audit to make sure you are covered for what you need and aren’t still paying for old policies without realising it.
Quite a few people have forgotten to cancel previous insurance and end up paying double.
Time Invested
15 minutes is all it takes to do a quick comparison online.
Make Money
Again, you can’t make money off your insurance but it is worth having.
If you cannot afford to replace your car and someone elses or pay for all the medical, you CANNOT afford to skip insurance.
6. Switch Banks – Save $700+ per Year
Do you pay monthly account-keeping fees, ATM withdrawal fees or any other fees? Are you getting a decent interest rate on your savings?
Do you get bonuses like cashback for using PayWave and other benefits? If you pay to have a bank account, it is time to switch!
Stop getting charged $2.50 to $5.00 for using ATMS that aren’t ‘your banks’.
Do a bit of research and make sure you either have cash on you or find out where the nearest ATM for your bank is.
Alternatively, find a bank that doesn’t charge you to use other ATM’s if you withdraw over a certain amount.
Up doesn’t charge these fees and gives you $8 as bonus for signing up which only takes a few minutes.
- If you have a credit card, switch to a 0% option and pay it off! If you have a $5,000 debt on your credit card and switch to a 0% option, then pay it off in full you save $435 over 12 months.
- Account-keeping fees average $10 per month. If you deposit over $2,000 in many they waive this fee. If not, shop around and find a fee-free account to save $120 per year.
- Plan your ATM withdrawals and save $2.50 a pop or for many people, $120 a year.
- Check for cashback options. Some banks off cashback on purchases, many used to do cashback for using PayWave. Shop around and get more money.
- Request for fees to be waived. If you are charged an overdrawn fee or any other fee, call and ask for it to be waived. Most will do it. $50+ per year for some people.
Time Invested
Up to 30 minutes to fill out forms, process it all and switch or under 5 minutes for Up and 86 400.
Make Money
Use sign up bonuses (although, be careful with this as each new sign up may change to your credit rating, especially if doing credit cards.)
7. Save With Electricity – Save $500+ per Year
Compare providers and make sure you are getting the best deal.
With pay on time discounts ranging from 10% off the total bill to 30% off usage, no one should pay full price for electricity.
Average families spend over $2,000 on electricity per year.
If you can save $200+ simply by switching, why wouldn’t you?
While you are at it, change some of your other habits, like turn things off or unplug them when you aren’t using them, hang your clothes to dry instead of using your dryer and try these 19 tips to keep cool instead of the air conditioner.
Time Invested
10 minutes to compare and switch
Make Money
Check switching bonuses, such as $50 sign-up credit, gift cards and other offers to make a little extra cash when you switch.
8. Know Your Discounts – Save $2,000+ per Year
Some bills give a discount if you pay on time (as shown with electricity above).
Some places have amazing loyalty programs with great discounts, this goes for everything from groceries to travel.
Check out 12 ways to get coupons and discounts in Australia for more information
If you are on a pension or have any sort of pension/healthcare card you can get free travel, discounted rates, discounted medicine, free medical care, no interest loans, 5% off at Kmart on the first Wednesday of every month and so much more.
Check the complete list, with relevant links here.
Get up to $200 off with HelloFresh, spread across your first 6 boxes for new and returning customers. Conditions apply.
Get easy meals from $2.19 per plate with this discount from EveryPlate.
45% off your first box with Marley Spoon and further discounts.
Up to $140 off Dinnerly, spread across your first few boxes.
Time Invested
30 minutes doing a bit of research and signing up
Make Money
Swap or sell coupons, discounts or gift cards for cash if the program allows.
9. Compare Loyalty Programs – Save $500+ per Year
Birthday freebies, 50% off, free coffee/beauty treatment/meal every 10th visit, points to fly for free etc. All these reward and loyalty programs add up, but are you using them properly?
Compare which ones you use the most, which ones connect with your other providers to enable you to collect extra points (for example, with some purchases you can get points through the providers’ loyalty program plus collect travel or Flybuy points at the same time.
We have a complete list of Australian loyalty/VIP/reward programs here (let us know if you know of any others).
Feedback from our readers tell us most people save or make on average $500 per year through these programs.
Time Invested
30 to 60 minutes to sign up for the full list. Only a few minutes per program.
Make Money
Some programs such as Flybuys can be converted to cash.
10. Change Your Beauty Routine – Save $2,000+ per Year
Much of what you pay for at a salon can be done by yourself and some products you buy are cheap and easy to make.
For a body scrub, oil and sugar (or mix coffee grounds, sugar and oil). Use coconut oil as a moisturiser, hair treatment and all-rounder.
Be careful with the oil and your drains though, especially coconut oil as it solidifies when cold.
The average woman spends $3,600 on beauty. Start doing some of your beauty yourself, shop around and save a few thousand a year.
Do your own manicure, pedicaure, facial, body scrub and hair treatmets.
Team up with a few others to help each other do spray tans, colour hair, do nails etc.
That said, if needed, leave some things to professionals!
Time Investment
5 minutes to mix scrubs and maybe 20 minutes to watch some tutorials
Make Money
Some people make money selling their own beauty products or through offering services to others within their circles.
11. Reduce Car Expenses – Save $1,500+ per Year
Chances are you have a car loan or are driving a car that is costing you more than it needs to. I have lived without a car in a few locations and loved it. Others, a car was necessary.
If you have to have a car, look at ways you can reduce your car expenses such as driving less, combining errands, walking everywhere you can, keeping it maintained, keeping an eye on petrol prices to ensure you pay less etc.
Time Invested
20 minutes to do a bit of research
Make Money
Try Uber, or rent your car out when you aren’t using it to make money from your car.
12. Buy Glasses Online – Save $200+ per Pair
Instead of paying hundreds for new glasses, shop online.
They start at around $10 a pair and are exactly the same as glasses bought at an optometrist.
Get your eyes tested, ask for the prescription, including the PD (pupillary distance), then order your glasses online.
Time Invested
30minutes searching for the glasses you like online and uploading a picture of your face to see how they will sit.
Make Money
Some of the companies have a refer a friend offer which means if you send your link to friends, you get a bonus and they usually get a discount too.
13. Groceries – Save $2,000+ per Year
Groceries can get out of control if you let them. Create a menu plan, shop at markets, eat simply and buy in bulk in sales.
The average Australian spends over $300 per week on groceries (2017).
There are lots of ways to reduce the cost of groceries without sacrificing health.
For tips on reducing groceries read how to get free and super cheap groceries.
Time Invested
Having a meal plan and shopping from a list really doesn’t take much more than normal groceries.
Make Money
You can make money by doing grocery shops for others as you do yours, or through loyalty programs mentioned before.
Some people do receipt apps but we haven’t found them to be worth it.
Do sign up to Shopback and Honey if you are doing your groceries online.
These give you cash back on your shopping and can find discounts.
14. Switch Your Gym Membership – Save $500+ per Year
Get a few basic pieces of equipment like some weights, a kettlebell and bench to work out at home or shop around for a better deal on your gym membership.
Also, look at options like joining a team sport such as football, netball or basketball which means training during the week as well as games to keep you fit.
Walk further or look at options where a few of you get together and workout at local parks, (many have fitness options now).
Time Invested
It only takes a few minutes to compare or do some research.
Make money
Get trained as a personal trainer and be the one to run classes instead of paying to be trained.
Or yoga instructor, coach, whatever sport you enjoy you can get qualified to be paid to train.
15. Switch Phone and Internet Providers – Save $500+ per Year
When is the last time you compared to see how much you could save with your phone and internet
Prepaid often works out cheaper than a contract now, plus if you have been on a contract for a while, and it has simply continued to roll over after the contract period, you could be paying more than necessary.
One friend was on a $75 a month plan which continued at the end of the contract term.
When they looked into it, there was a $50 plan that was better than the one he was on so he switched and saved $25 a month
Get rid of your home phone unless you really need it. I don’t even remember the last time I used or called a home phone.
Compare your internet plans and make sure you are getting maximum value (and quality) for your budget.
Time Invested
20 minutes to compare and switch.
Make Money
We shared loads of ways to make money online or with your phone such as the best Australian online survey sites, and 10 ways to make $1,000 this month.
16. Know and Claim Work Expenses – Save $1,000+ per Year
Are you keeping track of your work expenses and what you can claim on tax for your industry?
Things like laundry, courses, travel, computers, phones and some meals can all be claimed plus a whole lot of other things, depending on your job.
Find out what things you can claim and keep accurate records.
Add to this, get to know things about where you work and look at how you can save the company money as well as yourself.
Time Invested
30 minutes to find out and a few minutes to keep track using the Tax app.
Make Money
Ask for a pay rise. If you are saving the company money, are great at your job, know your worth and have checked to see what the pay scale is, ask for a pay rise.
17. Ask For Discounts – Save $5 to $1,000+ per Item
Ask for discounts, politely and be ready for rejection.
Don’t be afraid to ask for a discount, just be sure to be polite about it and understand you might get rejected.
Time Invested
It only takes a few minutes to ask for a discount.
Make Money
If you wanted to, you could get the super discounts then resell items.
18. Compare Your Superannuation – Save $80,000+ Before Retirement
Over your working life, the wrong superannuation account can cost you thousands, as much as a few years worth of wages.
Compare and make sure you are getting the best deal but also check your insurance options and everything connected to your superannuation.
Also do a search for lost superannuation to consolidate your accounts, save on fees and earn more.
While you won’t see this money until you retire, you need to make it work for you now in order to get maximum benefits when you retire
Check lost super through your MyGov account.
Time Invested
Under 30 minutes to check, apply and switch.
Make Money
Check how your super is invested and change the investments to make your super work harder and make you more money.
19. Borrow Instead Of Buy – Save $100+ per Expensive Item
How often do you purchase something to only use it once? Weddings or special occasions where you need a nice dress, camping gear, snow gear etc.
Look at borrowing instead of buying. The only downfall with this is if you do damage or break someone else’s stuff, you need to replace it/pay for it.
Borrow from friends or family, check out Facebook Marketplace and similar to obtain the items for free or do some swaps.
Alternatively, consider renting instead of buying. Sometimes it works out cheaper.
Time Invested
A few minutes to ask friends and family, put a post on Facebook or longer to search rental places.
Make Money
If you are the one with things people want to borrow, there are communities online you can rent your stuff out especially baby gear, a caravan or car.
20. Take Your Lunch or Snacks Wherever you go – $200+ per Week
Everywhere we go my kids have snacks and a drink bottle packed, if we are going out for the day we make sure we pack a lunch.
All up, we save $200+ a week compared to when we have bought food when out.
Sometimes we budget in a cafe or lunch out, but for the most part, we pack our food.
Time Invested
It is quicker to pack a lunch than order and wait for takeaway food.
Make Money
You can make snacks and sell them at markets if you want, there are a lot of rules and regulations you need to check into.
21. Source Free Entertainment – $200+ per Event
Instead of paying to go out to clubs every weekend or have dinner out, look up events in your area either with your local tourism board or check the events section on Facebook.
We used to have free festivals and entertainment where we lived which saves us a fortune on entertainment.
We also have hobbies such as exploring our city (usually walking between 10km and 40km any given weekend checking out our city and attractions), photography, op-shopping etc.
Our hobbies are simple, mostly free (photography costs a fair bit when setting up but it makes money as well) and we enjoy them.
Time Invested
30 minutes to research things to do in your area and plan them.
Make Money
If you have a hobby like photography there are many ways you can make money such as selling pictures online, bartering for other services, or getting paid to travel.
22. Get Savvy With Gifts – Save $200+ each Christmas
Plan your gifts ahead of time. Work out who you are buying for, what your budget is, what gifts you would like to give them and how you will get those gifts.
Make gifts if they will be used and appreciated such as slices, biscuits and cakes, or sew gifts.
If you aren’t making gifts, use reward points, VIP discounts and sales to get presents worth $100 for $20 or less.
Time Invested
Varies depending on how much you are making, possibly a few hours.
Make Money
Get good at what you make and look at selling it on Etsy, Facebook or setting up your own store.
23. Shop Online – Save $1,000+ per Year
Buying things online can reduce impulse buys as well as get bonuses such as free shipping or cash back.
Always compare prices online, look for free shipping and other bonuses then purchase what you need. And be sure to be signed up to Honey and Shopback.
Time Invested
30 minutes or more researching, comparing and buying.
Make Money
You can buy things online and resell. We bought a book on eBay for $25 and sold it elsewhere for $85. Check out how to make over $10,000 a month buying things to resell.
24. Barter – Save $200+ per Year
Bartering can be a great way to save money, however, it requires some time and effort on your part in exchange for whatever you are swapping.
You can arrange bartering through friends and family or check out websites which allow you to exchange services.
Usually, you need to exchange like for like, so whatever you are doing will ‘cost’ you the same as you would be saving, however, money is not exchanged so it can save you money that way.
Time Invested
Some barters are quick and easy, others take longer depending on what you are bartering.
Make Money
The point of bartering is no money is exchanged usually so it’s not a money-making idea.
25. Cancel Subscriptions – Save $200+ per Year
How many little subscriptions do you have that you could cancel?
Log into PayPal and cancel any subscriptions you don’t use or forgot you signed up for.
Check Apple and your email for others as well as your bank statement.
Often it isn’t until the payment is taken out again that we discover the subscriptions.
Unsubscribe from emails to reduce the temptation to spend as well.
Time Invested
30 minutes to a couple of hours depending on how many you need to go through.
Make Money
You can’t make money clearing these subscriptions, but it can give you ideas for your own subscription service later.
26. Pay Everything On Time – Save $200+ per Year
More places are offering pay on time discounts which can be as much as $200 a year.
Another bonus of paying on time is no late fees. Late fees can be as small as 1% of the bill or large like $100 per day you are late.
Read the fine print of everything and make sure you pay on time.
If you can’t pay on time, call and make arrangements to pay asap.
Time Invested
A few minutes.
Make Money
There are no options for making money with paying on time.
27. Use the Extras on Your Credit Card – Save $500+ per Year
If you have a credit card, check the bonus extras or offers it has such as free extended warranties on purchases or travel insurance.
By having a credit card with these options, we have saved $500+ at different times.
Time Invested
10 minutes to check.
Make Money
You can’t make money from this option.
28. Use the Share Economy – $1,000+ per Year
Sites and apps like Airbnb, Uber, Couchsurfing, library or book swaps, flexible car renting options including renting directly from owners, Open Shed and others save you loads of money.
Our trips with Uber are usually 50% of the price of a cab (except if there is surge pricing), accommodation with Airbnb has been significantly less than hotels, Couchsurfing is free.
Check out the sharing economy and all the ways you can save money with it.
Time Invested
This depends on which option you choose to use and how much you do it.
Make Money
Uber drivers make on average $30 an hour, Car Next Door makes $6 per hour or $30 a day, Airbnb users make on average $7,000 a year.
29. Cut The Temptation – $5,000+ per Year
Do you know where your areas of weakness are? If so, get rid of them.
Delete apps you spend too much money on, clear your history, unsubscribe from emails so you don’t know about sales.
Check out this post on ways to cut temptation.
By getting rid of your temptations you make it easier to save money and can save thousands a year.
Time Invested
Minutes to do a quick temptation block.
Make Money
Turn your temptation into a money-maker by selling stuff you have if you are a shopaholic or find a new hobby that makes money
30. Stick To A Budget – Save $5,000+ per Year
Find out exactly what you are spending on everything then go over it and see where you can reduce spending, what you need to compare prices on, what your weaknesses are and create a plan of attack to live within your means, clear debt, save money and do things in life you want to do such as holidays, buy a house or a car.
Read how to create and stick to a budget as well as how to stick to a budget as a single income family.
Time Invested
30 minutes to one hour
Make Money
Once you know how much you are spending, have worked out how to reduce all your expenses, look at the ways you can increase your income to help you reach your financial goals faster.
Check out all the articles in our make money category here.
31. Set a Savings Goal with Automatic Deductions – Save Thousands
Once you know where all your money is going, set a saving goal such as $1,000 or $5,000 in an emergency fund or $10,000 for a new car or $50,000 for a house deposit.
Break it into small chunks of cash and set up and automatic deduction each week or fortnight to your account for that amount.
It might take a while to reach your goal, but if you automate it, you will achieve it.
A great example of why doing this is important is how to become a millionaire even as a single mum.
Time Invested
10 minutes to set it up.
Make Money
Put it in a high-interest account and make extra money on it.
You Might Also Like:
How to make over $10,000 a month buying things to resell
The Ultimate Guide to Make and Save Money at Home
99 Side Hustles for Aussies
For more ways to make and save money follow us on social media:
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This is brilliantly helpful – especially as I’m currently trying to cut back. I think the theme for me that I loved in a lot of these is to keep comparing and getting better deals on products like insurances. I tend to do all my research up front and then always stick with the same providers instead of continuing to look around for better deals.
Thanks, Mim! I think most of us tend to research up front then set and forget. Even if we compare when a renewal comes due instead of trying to set aside time regularly to compare everything it will save us money.
Wow! So many excellent tips and just when I’m about to have a heart attack over Christmas expenses – a very timely post for me!
So glad they helped! Christmas is an expensive time of year for many.
Wow! So much great info about saving AND making money. Thanks so much for sharing this.
Blessings,
The How-to Guru
Thanks so much! Glad you like it.
Great post! It’s amazing the different ways that you can save if you really take the time to look.
Thanks for sharing 🙂
Thanks Leancia, there are so many ways we can make and save money if we simply look more.
Amazing tips there Kylie and so many of them too! I recently bought a trampoline and a swing set with flybuys points, saving me $400. I’ve been in the scheme since it started back in 1994 and have been able to save thousands over the years – it’s so easy for the points to add up.
That’s fantastic! It’s amazing how quickly the points can add up.
These are truly helpful tips for residents of Australia or expats living in Oz. I personally would add housesitting jobs to this list, which result in free accommodation whenever you have no fix address or are travelling around Australia for a while.
Great tip! I used to housesit when I was a teen/young adult (before kids). It was a great money saver. I have a few friends who do it a bit too.
Wow! What a brilliant list. I have just done an overhaul on expenses. The last thing I have to fix is my health insurance but I am a little concerned on changing providers even though it is half the price with nearly the same benefits!
I just switched, but was forced to really because my provider I had been with for nearly 5 years was not a preferred one for the hospital my surgeon operates at and I have to have annual surgery. Check with your current one if they will match it, but go through the cancellation team or do the ‘switch’ then when your current provider is notified, they will call or ask you to call and it’s a different number. The customer care people on the end of that call have more power and can do more than when you ring to ask, if that makes sense. Because if you have already made the switch, clearly you are leaving. All fund have a 30 day cooling off period though, so your original fund can offer to sweeten their deal to keep you and you cancel the one you were switching to at no cost.
I hope I explained that properly!
My husband and I are on a seemingly never-ending journey to be debt free, and I always appreciate new ideas. Thank you!
these are really helpful – I need to work on this. Thank you for sharing!
Thanks, Jaycie. Glad you like them!
This is a fanstatsic list! And so good to see an Aussie take – many finance blogs are US based but the tips sometimes just don’t apply here. My electricity is overdue for checking (I assume, mostly because I can’t remember the last time I checked it). Our food budget is $200 per fortnight. I own my car outright so I only have maintenance/insurance costs on it.
I envy your ability to have moved from a large house to a small unit but never in a million years could I do that. Our two bedroom house now is too small for us. I need space around me. Plus we have a dog and units are so pet-unfriendly. And I don’t like being close to other people!
Thanks Vanessa! It was a huge change but we love it now. Small space living definitely suits us. I look forward to buying a unit and being able to implement the space saving hacks I have that I can’t do here while renting. And true, they are pet-unfriendly. We had to give ou chickens back to the farm when we moved, but we visit them occasionally still.
We already do quite a few of these things. I married a tight arse…erm.. I mean, an accountant, so he’s pretty switched on with this stuff. However, I could probably save a bit more on groceries and a few little things. Great tips!
Haha. I love it! He’d be great at times I am sure for money saving things.
These are so helpful! Thank you for sharing 😀 I have always hang dried my clothes, that is a way I have always saved money. Also, planning a menu for the month prevents us from going out to eat – also saving money.
Menu planning makes a huge difference to the grocery budget! And yes, hang drying clothes definitely impacts the electricity bill.
I’m always looking for ways to cut back and save money. These tips are super helpful, thank you so much for sharing!
This post was incredibly helpful! Even though I live in the states, I’ve got some new ideas now that I plan to explore further. Thank you for sharing!
Ty for these tips! I need to buckle down on groceries it’s been challenging with my husband trying out being vegan. We are adapting thanks to Pinterest
These are all amazing tips! I love saving money and sometimes it is hard to find a place to start.
Great tips! I always love to find ways to save money!
Hi! My and my partner actually did a lot of these advices a couple of years ago and it actually worked! So for all of you who reads this: you can save thousands and thousands of dollar! It only took one day for us to make all the calls. Great advices!
Wow, I am impressed with all these tips! Thank you so much. I always ask for discounts because you just never know!
There are so many ways to save money especially when it comes to purchasing goods. We just have to know what works for us! I think this is helpful!
Wow what a great list! I’m saving this for later I was to do as many as I can!
Xoxo
Tyler
Feeltheesunlight.com
Great tips to save
I am actually checking into loyalty programs and signing up for credit cards with travel bonuses myself. I definitely got “free” roundtrip tickets to europe because of the points! If there’s ways to save money so I can travel more, I’m all about it. Great post!
I love saving money especially since I vet to have more budget for my kids. It’s really helpful to keep an eye out on discounts, coupons, and sales!
Great ideas! I’m always looking for ways to save. I recently spent about $25 on a cheap haircut and home color instead of my typical $150 for a salon cut and highlights. Quite a bit of savings!
These are some great tips. I know I have cancelled my credit cards to only cash.
These are great and helpful tips. Can help a lot of people to save money. I will keep this in mind. Thanks for sharing.
These are some really good tips. Some I knew of and some are new but I love learning new ways to save!
Brilliant Idea. There’s a lot of money saving tips, but the most important thing that you need to keep in mind is that, you are the one who decide for yourself. Just know what you wanted to achieve in life and what you want to do with your savings.