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. Here are some tips for good spending habits.  Avoid using your credit card where you can  Use a debit card or a savings card instead  Try not to buy impulsively  Use the internet to find better deals, you will probably find one

3. THE PITFALLS OF CREDIT CARDS Credit cards charge a lot of interest so be careful not to spend too much on your credit card because you will lose more money in the long run. 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.

4. 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.

5. LUCRATIVE WAYS OF SAVING YOUR MONEY When you are looking to save money you want to have ways of saving money effectively. These are some tips on saving money  Sell the clothes you don't wear, this helps to save money and space  Find coupons online to help find the best deals  Check the tag before you buy because you could end up spending more money than you intend to spend  Take care of your clothes to reduce the number you have to buy  Buy out of season because products will usually be cheaper than if they were in season  Shop online because shopping online can be cheaper than shopping in shops  Assess your needs and only buy the things you need