will earn you mileage out of the money
you spend, and even if it’s a long way off,
eventually you’ll claim a reward.
SHOP AROUND
Scour the specials being run
at the different shops at different times and take advantage.
ASK
YOURSELF…
Do I really need
it? Buy what you
need, not what you want.
ORIGINAL IS OVER
RATED
Don’t get caught in the designer trap. Buy generic or no-name
brands wherever you can, as it’s often just
as good and a fraction of the cost.
BAKE YOUR CAKE AND
EAT IT TOO
Fast-foods, takeaways and
ready-made meals are expensive and often
unhealthy. Prepare your lunch before you
go, eat in more, and this will help you save
for that special night out.
NO MORE SILLY
HOLIDAYS
By that I mean you
should keep the
mother’s day, father’s day and friendship
day sentiment, but ditch the commercial
holiday traps by paying through your
neck for a single rose or a cheesy card.
Make your own, and spoil your loved
ones with a coffee in bed or the day off.
DON’T GIVE UP
Living in today’s
world is an expensive
endeavour, but don’t
feel bogged down by debt. Make small
changes wherever you can, and soon
you’ll start to feel the benefits to your
pocket. Read up on saving strategies and
personal stories, and be inspired to save.
TOP TIPS FOR KIDS
Don’t just give in to every whim and
desire your kids have by buying them
whatever they ask for. Teach your kids
how to save. Give them weekly or
monthly pocket money, and show them
how to budget. They can include their
tuck requirements, their Shabbos
treats and whatever else they might
fancy for the week in their spend – but
make sure to inspire them to save a little bit every week for that special
something they desire. Whether it’s the
new fad in toys or the newest CD, giving them something to work towards
will teach them the value of money.
Give them a head start on the muchneeded skill set they will use throughout their lives. What’s more, they’ll
come to realise that you cannot walk
out laden with packages every time you
enter a shop if there is just no budget
for it – which will give them some debtfree savvy in the long run! JL