Have you ever wondered why it is that some people have a constant struggle to make ends meet while others in similar circumstances are able to get along without any great money problems?
Take every opportunity to save money even if it is only ten cents. Remember, that a lot of small amounts add up to a large sum over the course of a year.
Pay off your high interest rate debts as quickly as possible to reduce the amount of interest you have to pay.
Surveys have shown that there are significant price differences between supermarkets. If you shop where you have to pack your own groceries this can save you hundreds of dollars each year.
Do not pay extra for clothing or footwear that has a particular brand name on it.
Avoid buying garments which can only be dry-cleaned.
If you are finding your rented accommodation too expensive your landlord might agree to reduce the rent if you have proven to be an above average tenant.
Learn about money management, reducing spending, saving money and debt reduction. Find out how to save money and how to increase income. If you can improve your finances, you will not have to face the relationship problems and the embarrassments resulting from always being short of money. There will be no need to visit a food bank for free food or a service for budgeting advice. You will have the satisfaction of having control over your spending rather than having to stick to a strict budget.
This website is a free, independent, community service provided by a New Zealand charitable trust.
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