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Published April 22nd 2021
How to save money with few tips
You can save the money you need for your purposes taking the necessary steps to cut back on your spending and make the most with the money you have already. Simple steps make a difference to save money for a great weekend away or for a great getaway with your family.
Credit-card interest rates in Australia as high as 25 per cent or more. Paying your credit card in full and on time is the best way to avoid interest charges and late payment fees. Write on your calendar the day of each month you need to pay your credit card bill.
It is important to pay back the bank in full and on time. Photo fromhttps://www.choice.com.au/travel/money/travel-money/articles/travel-credit-cards
You can easily open a bank account online and choose an account that would give you interest. By restricting access to your money, savings accounts can give you a higher interest rate than a basic transaction account. You can set up an automatic transfer each month to add money regularly to your account. Also, you can add money yourself when you have a bit extra to your saving account.
A saving account is the epitome of saving. Photo fromhttps://forestarea.com/the-importance-of-opening-a-savings-account/
When saving money it is important to spend a bit of time comparing providers and services. Shopping for a cheaper retailer could cut your energy bill significantly. Even if you're happy with your mobile and internet service providers, ask them if they have a cheaper plan. This is information they don't always volunteer to existing customers.
Call your Internet provider for cheaper options. Photo fromhttps://spectrum.ieee.org/tech-talk/aerospace/satellites/facebook-may-have-secret-plans-to-launch-a-internet-satellite
Cutting your fuel costs requires constant vigilance: MotorMouth and accc.gov.au will tell you which service stations have the lowest prices and the best day of the week to fill up respectively. Make sure your car is not carrying extra unnecessary items which would make your car heavier and using more fuel. Check the pressure in the tyres and keep the windows closed to avoid using extra energy.
Supermarkets like Coles and Woolworth offer discounts on their fuel. For example, remember to scan your Everyday Reward card and if you refill your car at Caltex and Woolworth petrol station, you get a discount.
Research for the cheapest fuel near you. Photo fromhttps://www.rac.co.uk/drive/news/motoring-news/what-does-the-2035-petrol-and-diesel-ban-mean-for-britains-drivers/
Never shop hungry, take a list and focus on the weekly sale. Make a list of what you really need and stick to the list when shopping. Food at the supermarkets goes on sale regularly. For example, the cereals get sold half-price during the dedicated weekly sale. Buy the necessary amount of cereals to get to the next sale.
Buy fruit in season and local. Shop on your local market for fruits and vegetables. Buy basic items and not the expensive advertised brands. The supermarket Aldi has basic food and items at cheaper prices.
Shop for items on sale. Your diet should still be nutritious and healthy. Photo fromhttps://food.ndtv.com/food-drinks/healing-foods-6-foods-that-you-should-be-best-friends-with-1902043
7 .Take away food
There are easy and cheap meals to cook at home instead of resorting to expensive takeaway food. You can buy pizza bases and top them with ham, tasty Kalamata olives and roasted pumpkin.
You can eat nutritious vegetarian meals like pasta, rice with vegetables, they are easy and quick to prepare. You can prepare a big batch of tasty and wholesome food and put it in the fridge and it will make out several meals.
It is easy to prepare hearty foodhttps://www.nytimes.com/2016/01/13/dining/how-to-cook-beans-recipes-tips.htmlat home. Photo from
Create a list of essential wardrobe items and must-haves for the season and stick to that list. Clothes sales seem to come often for clothes. Change of seasons, birthdays and school holidays seems to prompt sales in clothing shops.
Visit your local op shop, it may have cheap T-shirts and trousers Compare prices in different outlets, ask to match the price for the same identical item.
Garage sales, local 'buy, swap and sell' Facebook pages and eBay are also great places to pick up a bargain on second-hand clothes.
Keep a special eye out for in-between season bargains when clothes are a percentage off the already reduced price. This is when you can really bag a bargain sometimes up to 90% off the original price.
But remember the motto: 'a bargain isn't a bargain unless you need it.' Shop without your credit card, use cash instead.
Op Shop can have lots of interesting clothes. Photo fromhttps://www.timeout.com/sydney/shopping/the-best-op-shops-in-sydney
Water can be very expensive, especially if you buy it at petrol stations or coffee shops. Buy a refillable bottle of water and use town water to fill up your bottle.
You can buy cheaper water in the supermarkets if it is difficult to refill your bottle. The 1.5L of Homebrand water is 80 cent. Try to keep the empty bottles and take them back to a return centre for the 10 cent refund.
Buy a reusable bottle for water. Photo fromhttps://www.thedailymeal.com/drink/10-best-reusable-water-bottles-0
Your local library is full of free resources like books, audiobooks, ebooks, movies, magazines, newspapers and music. Libraries offer internet and use of a computer, free workshops and classes for learning new skills.
Library book discussion group meet once a month for free, a fun way to get out of the house and saving money.
Libraries have many great free resources. Photo fromhttps://www.brisbane.qld.gov.au/things-to-see-and-do/council-venues-and-precincts/libraries/library-locations/annerley-library
When travelling, buy your own snacks and food at the supermarket. Pack fruits, bars, nuts so you don't have to buy the expensive food at service stations or keep buying food along the road. You can take an esky with you to keep bottles of water and snacks cool. You can also prepare easy meals to take with you in the esky.
When travelling in the car an esky can keep your food cool. Photo fromhttps://www.retailmenot.com/blog/yeti-cooler-alternatives.html
Very sensible advice Cris, all achievable without much extra effort, just a little common sense and timing. My home coffee is either instant, pods, or brewed. One or the other is usually on special in supermarkets at any given time. I have never paid full price for coffee for over five years.