Consider these tips for saving money:
* Make your own lunch - lunches can cost upwards from $8 to $20 (or if you go to one of the swankier restaurants in the city, $35-$50). Bringing your own lunch in a container ensures you have nutritional food every day - especially if your partner is a good cook!! :-)
* Make huge meals and freeze them. I have mentioned this in my posts on Baccarat cookware. The 8L dutch oven can make enough food for a week, sometimes more. It works particularly well on the nights you can't be bothered cooking!!
* Replace every single light in your house with compact fluorescent light bulbs. It will be a bit more expensive at the beginning, but you will thank yourself when your new, smaller energy bills come in.
* Direct your efforts to paying off your credit card or credit cards. Once these are paid off, lower your limit so you don't get in trouble again. If the bank offers you a higher credit limit, say "NO".
* Say "NO" to 24 months easy finance on home goods, store cards, special rewards credit cards, extra personal loans and refinancing mortgages. If you don't have the right advice, refinancing can be devastating. Stop taking out loans. If you are unable to do this, you may have a problem. Seek advice, legal and personal. A compulsion to take out loans can be as damaging as a gambling problem.
* Try to save a small amount each week or month. Try not to touch it and see what happens. You can find a number of good accounts with the main banks - see if you can find a savings account with interest around the 7% mark.
* If you already own your own home, consider installing solar panels. You may be eligible for the solar panel rebate, as discussed on SolarGen's website. The outlay can be expensive but the rebate, plus the decades of free solar power will take the sting out of this purchase.
* Have a cooling off period of 1 day for each purchase you are considering. It will give you time to prioritise and decide whether you absolutely positively need this purchase right now. This is advice I personally follow. If not, I would have so much questionably useful stuff from Ebay and no time to use it.
Until next time, happy shopping and saving!!
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