Quick Hot Tips

• 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: Cigarettes are a huge expense that add up. Quitting smoking is the easiest way to spend less money each week and build up some savings.

• Save Money: While medical aid can be pricey, it’s important to have at least a hospital plan in case of any emergencies. It’ll save you money in the long run.

• Save Money: Invest in car insurance that best suits you. In an emergency, you don’t want to suddenly have to pay large amounts of money.

• Save Money: If you’re in debt, make sure you pay back as much as you can each month to save on the interest and service fees you’ll need to pay.

• Save Money: Buy new winter and summer clothes at the end of each season when they go on sale. You can find great quality at very discounted prices.