1. Top up the car on Tuesdays, or Monday nights at a pinch - the cheapest time to buy petrol.
2. Join a car pool for work or use public transport.
3. Swap, don't buy - exchange books, DVDs and the like with friends.
4. Hunt for presents all year - so you can buy when they're on sale.
5. Put new soles on shoes - they'll last a lot longer.
6. Shop on the net - it's an easy way to compare prices and is often cheaper.
7. Drink tapwater - filtered if need be, instead of buying bottles or, worse, softdrinks.
8. Buy in bulk - especially fruit and vegies, even take it in turns with friends.
9. Scratch the Scratchie or Lotto ticket - unless you're super lucky you'll pay more than you win. Ditto for the pokies.
10. Cut back on takeaways.
11. Check the auctions in your newspaper - there could be a bargain couch lurking. Pay for the newspaper with a cheap subscription offer.
12. Hire a DVD instead of going out to the movies - or if you do want to see a new flick, take your own snacks with you.
13. Shop in one go - so you're not dashing off to a shop when you run out of something.
14. Cut out a packet of cigarettes or a drink a week.
15. Take your lunch to work more often.
16. Cook more than you need - and freeze the rest for future meals.
17. Don't take the kids with you to the supermarket - then they can't nag you for goodies.
18. Get the pets to tighten their collars - give them scraps and offcuts from the butcher rather than cans.
19. Pay cash only at the supermarket - then you're forced to stick to your budget
20 If you've got this far, well done - give yourself a treat.
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