11 Small Things You Can Do To Save Money

Small steps for you, giant steps for your bank account.

1. Be strict about your budget.

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First, make a budget. It's easy, and once you're in the habit of only spending what your budget allows, life and money will be so much easier. Here's a useful budget planner you can use. (Make sure you allow for guacamole in your budget.)

2. Find sneaky, cheap ways to update your wardrobe.

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Instead of buying new clothes when your wardrobe needs updating, you could do a clothes swap with your friends. Instant refresh! But if you do buy a new item, make sure it will look good with a few other things in your wardrobe.

3. Invest in some new wheels.

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Bicycle wheels, we mean. Riding a bike to and from work, university, or wherever it is you're going can save you some serious coin.

4. Write a shopping list before you go grocery shopping, and only buy things from the list.

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"Owl help you save money."

5. And buy your groceries later in the evening.

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Supermarkets will be trying to get rid of their perishable foods, which means more bargains for you.

6. Also, eat before you go grocery shopping.

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You're more likely to buy things you don't need (10 kilos of bacon) if you go shopping hungry.

7. Take the two-minute shower challenge.

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Sure, there are some mornings where you have "things to do" in there. But on the days when you don't, why not aim for a two-minute shower? You can also install a water-efficient showerhead to keep your water costs down.

8. Stream exercise classes online.

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Never pay expensive gym or exercise class fees again! Everything you need is online.

9. Save with a friend.

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You can compete with each other, but also, plan to do cheap things together when everyone else is out spending cash.

10. Be smart with your coins!

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Don't let those little suckers get lost under the couch. Keep a coin jar, save every coin, and after a year, you could have a few hundred dollars saved right there. Too easy.

11. Squeeze all your super into one account.

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Think about how many super accounts you have open. If you reduce the number of super accounts you have by transferring them into your preferred account, you could be saving around $500 a year on each account you don’t need!

Make sure your future finances are in order and stay on top of your super with myGov.

MyGov is a free and easy way to check your super accounts, track down lost super, and transfer your super money into a preferred account. For more information go to ato.gov.au/superonline.