I empty my purse the day I get my next pension payment, surveys, collecting and recycling cans and bottles. I've changed my subscriptions and insurances so the money I have saved from that I put into a no touch account along with what I had left in my purse.

My boyfriend dumpster dives. I get emails from savings websites, take surveys, get on freebies websites, etc. Every little bit helps.

My boyfriend dumpster dives. I get emails from savings websites, take surveys, get on freebies websites, etc. Every little bit helps.

While working a percentage of my wage automatically went to an investment. Now, I shop carefully using coupons, sales, and thrift stores to save. I earn points redeemable for gift cards to supplement my Christmas money.

Save 20% of your salary or pension.

its automatic for me i started the day i got my very first wage and i didnt touch it till i got my second one so i was always in credit

I like to run, so as much as possible, I literally run my errands, so I don't have to buy as much gas for my car.

use and reuse what ever possible, have a budget and stick to it. Don't buy it unless you really NEED it. Wants don't cut the mustard. Don't travel too far for "a deal" often the cost of travel is more than the 'saving'Edited 27-Jul-24 09:28am

Stay on a budget plan.

avoid sales like a plague

setting a budget (with saving a part of the budget, even if very small) and only buying what you need.

Start familiarising yourself with where each store has their clearance items. I can tell you where each Coles and Woolworths within a 160 km radius has their fruit and vegetable reduced to clear stock and I think what I could make with each item in that section before I buy it. Many fruits and vegetables can be blanched and frozen, cooked as a dish and frozen, made into jams and chutnies or simply added together, cooked, mashed and had on a sandwich, a favourite of my grandmother and I! You can dehydrate many fruits and then vacuum seal it or place some in a sandwich bag for snacking on later. You could swap the dried fruit with a relative for something you want but don't have, like eggs for example. With meat I always look for the reduced price stickers and as I don't eat meat myself I won't buy the full price stuff but I will cut it up and put it in freezer bags for my cats as needed. I have noticed recently that some major supermarkets, Coles, Woolworths and the IGA, I don't know about Aldi as I don't shop there, are keeping their expired dry produce such as nuts, cereals and flour on the shelf until past the expiry date and making it appear as though it's a good special. For example I recently discovered 150gm packets of pecans for 1/2 price and they were just outside of their due date. I bought 2 bags and with the bag I already got on special a while back, and the French unsalted Lescure butter I bought 12 of for 1/10th of their original cost as they were closeto their expiry date, I am making pecan pies today, something normally outside my budget. BTW the butter has been frozen for 6 weeks so it will be fine. Finally, don't buy pre cut fruit and vegetables, cut them up yourself as they stay fresher longer and the cost per kilogram is less as well saving you more money! Throw the peels into the compost for your vegetable garden! Thanks for reading.

Here in the Shoalhaven we have a Local Community Store which sells cheap groceries. I have never eaten so well or so cheaply. It is a bit 'like a box of chocolates, you never know what you are going to get', which makes it all the more fun.

Buy only what you need, not what you want.

My best tip is.....stop spending on useless stuff. Have a look at your lifestyle....a proper look......and I bet everybody could find lots of ways to save money.

I enjoy canned tuna so I wait for the specials and buy up to a dozen which will last me till the next special. I do this with a few other items also like yoghurt and crisps.

I always make a list when I go shopping and stick to it and buy most things when they are on special and cut back on all other shopping as I have enough clothes so dont need any and do repairs on those that need it

Don't have it can't spend it leave your wallet at home

Always watch for the sales items.

When grocery shopping I have a list and that is all I buy. Very seldom buy new clothes as I already have more than enough. I save as much as I can into savings for Insurances etc. Edited 27-Jul-24 07:58am

Don’t but any new clothes, just wear what you have in the wardrobe, try out a few different looks, you could be amazed and save heaps at the same time.

Try to spend less.

If you don't need it, don't buy it. Sales are to get you to spend. If you put 1/3 of the money you could have spent into your savings, you will be surprised at the end of the year at how much you have.

make a list, stick to it

shopping lists every shopping experience

judicious spending - eating at home vs eating out, cooking from scratch vs ready made meals, entertaining at home vs going out for entertainment, walking instead of taking the car when it's possible to do so. investing instead of frivolous spending. Exploring local sites instead of exploring locations abroad.

Cut out extravagant things that ruin bugeting

eat once a day

I'm finding it hard need work

BOUGHT A HOUSE IT WAS LESS MONEY THAN RENTING

Eat simpler and less meals a day drink water

It's very easy: Don't waste money on silliness like lottery tickets, smoking, boozing, partying and movies every Friday / weekend, store bought coffee, store bought lunches, restaurant dinners, takeaways every night, numerous digital subscriptions you barely use, gym memberships, upgrading your phone every year (even better, don't have a cellphone at all!), upgrading your car every few years, etc., etc.

Buy what you need - Not what you would like.

Cook more freeze more buy less.

I try to do all the errands in a single trip carefully routed to save on gas & I've updated some old depression recipes to reduce the grocery bills.

Pay yourself first, at least 10% of your weekly earnings, is what my mother taught me, and yes conversations with your bank to make your monies earn the best interest rates.

My savings hack is deals and bargains and reward programs, in addition to couponing.i also set a budget!

HI TY, writerrochelle

My best saving hack is staying at the house! Every time I leave out of the house, I'm spending money. I work from home :)Edited 27-Jul-24 05:08am

We grew up reusing our aluminum foil and bags, we would wash out the plastic bags turn them inside out and hang them on the clothes line to dry and reuse. I still do this.

Live from day to day, only purchase what I need for each day, pray to God each day, never, ever stray. ;-D

I transfer to a high interest savings account daily. Even if it's just 1 dollar. Great habit to form.

When in highschools and had a job, I would save money to put in a couple different IRA or 6 month CD. To save for when I was an adult it worked. Now I something to live on.

Saving birthyear coins for my 14 grandchildren. Woowee

The best way would be to set up automatic transfers, which seems to be what most people are advocating. This is very difficult once you are only receiving the Age Pension and still paying off a Mortgage.

I try to put a couple of dollars from each paycheque away

don't carry credit card/s - only carry cash on you - that way you will avoid the 'enjoy now' and 'pay later' credit card monetary trap

I find each year everything specially food is gone up so much, It will never be possible to save but I can keep cost down by skipping meals a few times a week and only buying whats on sale and plan ahead what we will eat. We also walk everywhere we can to save on gas. I also find it helpfull to keep a monthly budget spreadsheet and input daily what we spend.

When I first started working my Dad always told me to pay myself first. Put some in savings then pay bills. I am now retired. I have a couple different savings acct-for different goals...such as house bills, emergency, a trip, etc. I try to pay off my credit card balance in full each month,if not I pay well over the required amount. Live below your means. We could have purchased a bigger house but chose to buy a smaller one so we could pay if off earlier. Edited 27-Jul-24 02:53am

If you have a grocery store like I do, where on your sales slip, they tell you how much you saved today, example, you saved $ 23.68. Take that $23.68 from your account, and put it into a special savings account. It adds up fast, and comes in handy, for unexpected bills, like dentist or car breakdowns, etc. Do it wherever you get something on sale

I don’t know

I only purchase what is needed for the household, not unnecessary wants. I limit eating out and put the money aside I would have spent to eat out. When meeting with friends and family on the beach, I prepare a picnic and everyone contributes.

If you can make it yourself, do that

careful how I spend my money these days

If u have a mortgage, ensure to have linked to an offset account to save interest. Live within your means. Use credit card to pay bills n pay it off with the due date. Bring your lunch to work n do not buy coffee at work. 😝

I learned to always give a little bit more on my bills until Im 1payment ahead, Goal is 2 have one month 'credit' on my bills, that is same 4 me as saving bcoz if something happens I know Im in good standing one month in advance. Many times in low seasons, I also pay a smaller bill in QTRly amount, like the water bill, than adding that 2 the bigger bill. In Spring and Autumn, I pay extra 2 compensate 4 the Summer/Winter bills, It really helps also 2 do surveys online while eating lunch of a snack. Lastly, everyday, I look at my bank balance, I save the change in an account instead of a jar. Both work but its auto. If I spend 31.99, than my saving change would be .99cents. That realy adds up and is FUN 4 me 2 have different ways.

after using mouthwash - spit it into the toilet to stop bacteria buildup due to the alcohol in the wash

Set up an automatic savings plan. Even $10 per paycheck adds up.

As much as possible until recently I've tried to spend less than I earn

As bank fees chew into my savings to much for my liking. I've had one of those huge green bottles doing nothing but collect dust for years. Well, I've put it to good use as my special savings "bank" What ever change or bills I have at the end of the week goes into the "bank". It already has about 4" of bills and coins in it. It's so satisfying to see it grow literally before my eyes that I can't wait to put my loose money in there at the end of each week. 💵😍

Only buy groceries etc, that are on special. Also say to yourself do I really need that, or could I save that money instead. Put it in an account that is not linked to EFT POS or Internet bank transactions, or even put it in a term deposit. Also have a little bit of fun now and again, as a reward for your saving, otherwise you will get bored of saving.Edited 27-Jul-24 01:31am

Find as many specials as you can when buying stuff, esp groceries. Cut down on electricity use. Use your car less. Buy more second hand furniture, car, clothing, etc.

Live within your means. No treats, no outings, drive as little as possible to save petrol. Cost of living is making us all live without any pleasure these days. Pollies and rich people just go on. Haves and have nots abound. I must admit, doing opinion polls does help with the grocery bills

THIS IS NOT HACK, MY WIFE AND I BOUGHT A MID. SIZE BANK WHEN WE GOT HOME, MY WIFE WENT OUT, THEN I WENT TO WORK, THEN EVERY DAY SHE WOULD CHANGE A BILL OR TWO IN THE BANK I ALSO WOULD DO IT BUT YOU MUST BUY A BANK WITH NO BOTTOM PLUG.SO WE COULD NOT GET into IT. WHEN IT IS TIME TO GO ON vacation, we will break THE BANK. YOU WOULD HAVE MONEY, NOT A LOT BUT OVER 60=75 $ TRY IT WILL WORK MIKE

Watch my spending

Save!