Checklist for Money Saving

Having some savings stashed away is usually a good way of tackling emergencies. In case your salary delays, your medical cover expires, or if you need to fix the debt, savings will be a great way to do so. Use this checklist to keep your bills down and start on your savings today.


  • Insulate Your Home: Use fans and ventilation instead of AC.
  • Have yard sales: Helps to clear the clutter
  • Use the Library: Saves you from spending so much on books.
  • Take Up Hobbies: Focus on those that don’t cost money.
  • Use Open Source Software: You won’t have to pay a dime.
  • Quit Unhealthy Habits: Smoking and Drinking
  • Pack Lunch: Saves you from spending on hotels.


  • Credit Cards: Get rid of them (they promote impulse buying).
  • Energy Efficient: Work with the cheapest energy provider.
  • Phone Bills: Review your bills before paying
  • Savings: Use an account that pays better interest.
  • Invest your Money: Helps your money to grow.
  • Watch for Fees: Always scout for lower fees.


  • Use Coupons: Saves you from using cash.
  • Buy in Bulk: Comes with low prices and rewards.
  • Look down at grocery store: items below eye level are usually cheaper
  • Make a Grocery List: Helps to tracks spending if you stick to it.
  • Ask for Discounts: Works for large purchases e,g refrigerator or washing machine.
  • Buy the quality used items/ car instead of a new one.

On Holidays

  • Pre-book car hire and compare prices.
  • Don’t use debit cards abroad: Saves you from added exchange rates.
  • Ask friends to always text and not a phone.
  • When buying in a group, try getting a bargain on everything.

Starting your saving plan is good and there isn’t a better time to do it than now. This checklist gives you the best tips to work with.

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