You watch your cents, but perhaps with the following hints you can still save a few cents from your spendable income:
Use cash. Draw enough cash to see you through the week and rather use this than a card on which you have to pay a fee for each transaction. It is also difficult to keep track of what you spend on a card.
Put all those bothersome copper coins that only weigh down your purse in a bottle. Encourage the rest of the family to do the same.
If you have a big family, plant your own vegetables. Plant your own herbs in flower pots and in between your flowers.
Can you save on your TV?
Do your big monthly shopping once-off and in-between shopping with a list and buy only what is on the list.
Watch the newspaper for special offers at the supermarket or the butchery.
Eat at home more often; it is not only cheaper and healthier, but also valuable time for the family to be together. You save on tips and cold drinks.
Plan the menu for the week and only buy enough meat and vegetables for that. This will see to it that no vegetables or fruit that could become unfit for use later are left in the rack.
Avoid food delivery at your home; you pay for delivery and you have to include a tip.
Make your own household cleaners or find out what you can do with cheap items that you already have in your grocery cupboard, such as vinegar and bicarbonate of soda.
Wait three days before buying a big item. This will give you time to think again about whether the item is really necessary and whether you can afford it or not.
Have you got a bad habit such as smoking or drinking too much soda? Each time you give in to a bad habit you fine yourself a fine to same value as, for instance, the packet of cigarettes or the bottle of soda.
Exchange clothes with a family member or a good friend, anything from children’s clothes to a scarf; both of you can benefit.
Go to the charity shops. You may find a handy kitchen implement or a good clothing item.
Use the credit that you earn on your credit card or shopping card.
Watch the local newspaper for free offers in your town or where your children can relax free of charge.
Reduce the price of an item to an hourly wage. How many hours do you have to work to earn the price of the item? This calculation will make you think twice before you buy.
Look at your insurance premium, your cell-phone expenditure and petrol consumption. Cut out what you don’t really use or need.
Pay off your credit card as quickly as possible and only use it in emergencies. Keep only one credit card and destroy all the others because you pay card fees every month.