Quick Hot Tips

• Save Money: Don’t overspend when you get paid. The want to splurge when you have an influx of cash can leave you high and dry halfway through the month.

• Save Money: Declutter rooms in your home to find items to sell. Also, throw away, or make a habit of using as opposed to buying more of the same things.

• Save Money: When you go out for a meal, order a glass of water instead of a drink. Drinks can be very expensive at restaurants, and can really add to your bill.

• Save Money: Learn to say ‘no’ to your friends and family when they invite you out to restaurants, if you can’t afford it. Offer to cook for them instead.

• Save Money: Avoid going to shopping malls when you know you’re strapped for cash. You’ll be too tempted to spend and splurge.

• Save Money: Cancel any unused membership cards that have fees which build up over time.

• Save Money: Get a cellphone contract that has a monthly limit on data and calls. You’ll have to pay to top it up, and should think carefully before doing so.

• Save Money: Go through your cellphone bill, look for services you don’t use, and ditch them. You could even switch to a cheaper network.