The following list  shows you 20 smart things to do with money

1. Have money automatically transferred from your pay into a savings  account.
2. Contribute to superannuation (retirement plan).
3. Buy a home.
4. Buy and use a home repair manual.
5. Maintain adequate insurance coverage.
6. Buy something on sale that you really, truly, absolutely need.
7. Buy used cars.
8. Research, research, research all big ticket items before you buy them (investments, cars, homes etc).
9. Buy generic and store brand food, health, beauty and household products.
10. Give your children and grandchildren the best education.
11. Rent (rather than buy) items you use only occasionally
12. Diversify your investments.
13. Use public transport.
14. Pay off loans faster than the contract term.
15. Repair rather than replace anything that can be repaired.
16. Give to charities 
17. Help your parents out if they're in financial need.
18. Pay off your Home Loan 10 years before you retire.
19. Have a will.
20. Teach your children money skills.

Remember, it's impossible to cut your expenses too much!