10 Money saving tips

1. Budget for spoil money and experience guilt-free spending.

2. Pay yourself first – make the first item from each pay a saving.

3. Choose to buy things that add to your income and not increase your expenses.

4. Beware of future income changes and do not grow accustomed to a lifestyle you cannot afford.

5. Bring your lunch to work – don’t buy it every day.

6. Go to movies on the cheap night.

7. Read the label when grocery shopping. Be smart and know what products are good buys.

8. Plan for the unexpected – create a savings account safety net.

9. Draw up monthly budgets not annual ones. Bring targets closer and make them achievable.

10. Set time aside to talk with you partner about budgeting in a goal-orientated way.