Use a Cash Diary to record everything you spend. Then use this information to look for ways to spend less.

1. Pay bills on time to avoid late payment fees.
2. Fill up your car on Tuesdays when fuel prices are usually cheaper.
3. Use supermarket coupons/receipts to reduce fuel costs further.
4. Take your lunch to work rather than buying it.
5. Use the Pay Yourself First system
6. When there is an alternative to driving, go that option.
7. Go through all your unwanted items and either sell via garage sale or car boot sale, donate to charity or just throw out. Then review your spending habits and use this information to better manage your money in the future.
8. Research when buying motor vehicles. Ensure you know how much you should pay for required motor vehicles before negotiating with seller
9. Look for ways to make your home more energy efficient.
10. Review all club memberships. Are you getting your money’s worth?
11. Use less water. Do you have a low flow showerhead? Not only will it save you money, it also is good for the environment.
12. Preparing and cooking meals at home not only can be cheaper but healthier too.
13. Have a list when doing the grocery shopping and stick to it.
14. Know your own latte factor and work out a way to manage it.
15. Look for cheap or free family activities. Have the children involved in the decision making process.
16. Use the internet to research into holidays, airfares etc.
17. Quit smoking, not only will it save you a great deal of cash, it will also improve your health.
18. Make sure your mobile phone and internet are on the most appropriate plan that suits your usage.
19. Cook some meals in advance or always have a couple of options for quick meals available.