1. Work out your monthly expenses, then move them into a separate direct-debit account.
2. Save every $5 bill that you come across.
3. To decide if you can actually afford an impulse purchase, consider whether you have the funds to buy it twice.
4. Cut down your spendings at work — and yes, that means not buying coffee.
5. Start contributing to your retirement fund as early as possible.
6. If you're struggling with saving money, try putting away smaller amounts as opposed to big, one-off lump sums.
7. When it comes to credit cards, only spend money that you know you can pay off. Otherwise, avoid them entirely.
8. Open a savings account that you can't easily access.
9. Use the "spend half, save half" rule.
10. Ask yourself why you're spending money on what you're about to buy.
11. When it comes to making money, know your worth and don't be afraid to ask for what you deserve.
12. Use coupons or buy in bulk to bring down the cost per item of everyday expenses.
13. Track every purchase you make so you can better understand your spending behaviour.
14. If you are prone to making impulse purchases, only carry cash when you're out and about.
15. Turn your debt-spending habit into a savings habit.
16. Start a piggy bank and dump all your coins into it at the end of the day.
17. Always keep an emergency stash — and ensure it's enough to cover the cost of a plane ticket.
18. When it comes to budgeting, consider the 50:20:30 ratio.
19. And finally, make sure you include your savings in your personal budget, as opposed to just saving what's leftover.
Some suggestions have been edited for length and/or clarity.