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Start a lift club ar work. You might just be surprised at how many people could do with cutting back on thier monthly fuel bill.
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Replace traditioanl bulbs with the energy saving equivilant.
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Insulate your geyser (geyser blanket) This is relativingly inexpensive and will help reduce your heating bill.
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Start a small vegatable garden and grow your own fresh produce.
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Improvise when it comes to keeping your kids entertained. (Formulae tins and toilet rolls make for great toddler toys)
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Get creative with your gifts, home made wrapping paper is a good place to start .
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Calculate your budget and stick to it, be sure to put aside some money each month and remember to pay yourself first! |
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Buy in bulk whenever possible and practical. |
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Never pay debt with more debt. (Never pay one credit card with another) |
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Keep an eye out for sales, there are alot of bargains to be had if you look in th eright places. |
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Sit down with your partner and plan your monthly bugdet, then stick to it!
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Be diciplined and dont give into temptation. Easier said than done, but this will go along way to saying those important 'pennies'.
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