Pack a lunch box
Pack a lunch box for work everyday and you will save thousands in a year.
Cook at home
Plan a week’s worth of dinners and set aside one evening to cook a few. You’ll be less tempted to order in or eat out when there’s a home-made meal in the fridge.
Get off a cell phone contract
Try a pay-as-you-go plans, they offer better deals.
Stock up during sales
If something you buy regularly is on sale, buy several at once, as long as you can freeze some of it or you’re sure you’ll consume it all before it goes bad.
Don’t shop hungry
You’ve probably heard that you buy more junk food at the shops if you’re hungry. Yes, it’s a thing. In fact, don’t shop at all when you’re hungry, as you will spend more, even on non-food items.
Buy a water bottle, don’t buy bottled water
Why pay for what you can get for free out of your tap?
Shop higher or lower than eye-level
The most expensive items are eye-level on the shelves. Scan the products along the top and bottom for better deals.
Pay with cash
Studies show we spend less when we pay with cash than with credit cards. So if you’re trying to cut back on your spending, try using cash for a bit so you caan think more carefully about every cent.
Master the 30-day rule
Avoiding instant gratification is one of the most important rules of personal finance, and waiting 30 days days to decide on a purchase is an excellent way to implement that rule.
Quite often, after a month has passed, you’ll find that the urge to buy has passed as well, and you’ll have saved yourself some money simply by waiting.
Write a list before you go shopping and stick to it
Shop for only what you need.