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Tips To Save Money To Cut Your Mortgage

  1. Plan a budget and stick to it.
  2. Buy in bulk whenever you can. Organise a shopping group with friends to shop at the Growers Markets for fruit and vegetables. Economy sized products are usually cheaper per kilo.
  3. Take the time to prepare to grocery list and stick to it. Don't shop more that once a week. In between items such as milk and bread usually cost more as other 'specials' are purchased at the same time.
  4. Find out the trading hours at your supermarket and shop in the last hour. You will find markdowns on bread, cooked chickens, fresh meats etc.
  5. Put change into a jar at the end of each day and use this money for small expenses.
  6. Take a packed lunch to work to save $80-$120 per month.
  7. Stop smoking
  8. Limit take-away dinners
  9. Use libraries and second hand book stores
  10. Avoid late fees, pay bill on time.
  11. Make the most of your haircuts
  12. Don't pay a professional if you can swap with a neighbour. He may fix your car whilst you fix his blocked sink!
  13. Don't be tempted by the catalogues from your letterbox, throw them away
  14. Don't spend a windfall - take your tax refund and pay it off your mortgage
  15. Cut up you credit cards or at least pay them in full each month.
  16. Hold a garage sale
  17. Rent a movie instead of going to the cinema
  18. Drink more water and stop buying soft drink
  19. Cut commuting cost by walking, cycling or catching a train.
  20. Buy only what you need - don't be tempted by sales.
  21. Grocery shop with a full stomach
  22. Compare prices wen buying goods
  23. Shop with cash and ask for a discount
  24. Cut the amount of times you go out to half
  25. Take advantage of off-peak electricity times
  26. Meet friends for breakfast or lunch instead of dinner, which is more expensive
  27. Review insurance policies to see where savings can be made on premiums
  28. Get the most effective mobile phone plan
  29. Combine multiple bank accounts to save on fees
  30. Stop buying that latte or cappuccino.

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