You might not see a difference in the products, but you’ll notice it in your bank account! 4. That $90 tee you saw in an upmarket store? You could buy almost the exact same product for $15 from The Warehouse or Kmart (minus the logo). It’s true! No-name products are often made in the same country and, usually, the exact same factory. Buying branded productsĭid you know that ‘budget’ brands are often just as good - if not better - than the ‘real’ thing? Savings Tip: Many utility providers will often offer a prompt payment discount for paying early. Doing the best you can to pay on time is a great habit to get into, and can be as easy as setting up automatic payments via your account so that they don’t slip your mind during a busy week at work or with the family. If so, chances are you were penalised with a late payment fee or penalty. In fact, if you set aside $20 a week for a year, that’s a guaranteed $1,120 before interest. Simply set that hard-earned cash aside in an emergency fund, term deposit, or savings account. You don’t need to rely on a game of chance to earn more on what you make. When you consider how many other people are doing this, the odds aren’t in your favour.īefore you know it, $10 here and $20 there quickly adds up. While this might be true, throwing your spare cash at lotto tickets each week is a quick way to lose money. Separating necessities from luxuries, needs from wants, and must-haves from can-waits is tough, especially if you find yourself with a little extra spending money at the end of the week.īut whether you make a little - or a lot - today we're helping you manage your money with a list of unnecessary expenses you could cut to keep your budget in shape. We know, sometimes sticking to your budget is easier said than done.

List of daily expenses