1. HAVING GOOD CONSUMER HABITS

2. DISCIPLINED SPENDING To minimize expenditure you need to have a plan every time you hit the shops, so you don’t get caught buying things that empties your wallet. :

3. AVOID USING YOUR CREDIT CARD WHERE YOU CAN ​

4. USE THE INTERNET TO FIND BETTER DEALS, YOU WILL MOST LIKELY FIND ONE

5. DON’T TRY TO KEEP UP WITH THE JONES DON’T BUY SOMETHING BECAUSE ‘YOUR MATE HAS ONE’ OR ‘ALL THE COOL PEOPLE HAVE ONE’

6. USE A DEBIT CARD OR A SAVINGS CARD INSTEAD ​

7. THE PITFALLS OF CREDIT CARDS Credit cards charge a lot of interest so make sure you pay your bills on time and don’t let your debt accumulate. Make sure you don’t pay your credit card debt in small amounts, pay it back in one lump sum so they credit card company can charge less interest.

8. MAKING SURE YOU GET A GOOD DEAL  Look around before you buy, chances are there will be an offer that’s better than the one you got. Use the internet but beware of scams and remember, you may have to pay postage.

9. FIND COUPONS ONLINE TO HELP FIND THE BEST DEALS

10. SELL THE CLOTHES YOU DON'T WEAR AND GET SOME MONEY FROM THEM

11. CHECK THE TAG BEFORE YOU BUY TO REDUCE AN UNWANTED LARGE PRICE TAG

12. TAKE CARE OF YOUR CLOTHES, TO REDUCE THE AMOUNT OF MONEY SPENT ON UNNECESSARY CLOTHES

13. BUY CLOTHES OUT OF SEASON BECAUSE (CLOTHES ESPECIALLY) TEND TO COST LESS OUT OF SEASON

14. SHOP ONLINE BECAUSE CLOTHES AND OTHER ITEMS CAN COST A LOT LESS THAN IF YOU WERE TO BUY THEM IN A SHOP

15. REPURPOSE OLD CLOTHES IF YOU CAN NO LONGER WEAR THEM, THIS HELPS TO SAVE SPACE IN YOUR WARDROBE AS WELL