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5 weeks to financial fitness

40 ways to save $25 a week (or $1300 a year!)

At a recent Super Woman Money Program event, we asked our brilliant participants for their tips on the best ways to save $25 per week. It may not sound like much, but over a year that would add up to $1,300 in savings! Some small changes to the way you spend your money now can equal big savings in the long run.

Check out some of the great ideas below and choose some that could work for you:

  1. Take your lunch to work four days a week. For the fifth day, look for a great deal.
  2. Keep a list of what you spend each day. Don’t forget to include the small things you buy as they can add up!
  3. Sell unwanted clothes/shoes/children’s toys online each month or at markets.
  4. If your income is less than $48,516  per year, make an after-tax contribution to your superannuation to be eligible for the Government co-contribution.
  5. Review your fixed costs (eg insurance, private health, utilities) each year and make sure you’re only paying for what you need or are on the best possible deal.
  6. Cook more meals at home rather than buying takeaway.
  7. Plan your meals each week and have a list for your food shopping so you only shop for what you need.
  8. Catch public transport or if possible, ride or walk to work to save even more money.
  9. Bring coffee from home or reduce your coffee intake to one a day.
  10. Entertain friends at home and then have them do the same.
  11. Keep your $5 notes and gold coins at the back of your purse and save them each week.
  12. Ditch your unused gym membership and go for a walk or run outdoors.
  13. Reduce heating time in your house by closing all doors and blinds for minimal heat loss. Consider installing exterior blinds for summer too.
  14. Shop at Aldi and save on produce costs.
  15. Quit smoking.
  16. Organise an automatic direct debit into your savings account from your pay: you wont miss what you don’t see.
  17. If you have the liberty of starting work earlier, catch public transport before 7am to get a free commute.
  18. Research all your purchases in advance to make sure you are getting the best price. This also stops impulse shopping.
  19. Do your own nails (manicure/pedicure) and hair colour, or stretch out time between appointments.
  20. Take advantage of happy hours at bars and cheaper movie tickets on Mondays or Tuesday nights.
  21. Research free social and cultural activities that take place weekly in Melbourne and other towns.
  22. Catch up with friends for breakfast or coffee rather than going out for lunch or dinner together.
  23. Be more conscious of turning off lights and the heater/air conditioner at home and don’t use the power-hungry dryer unless absolutely necessary.
  24. Don’t buy a dessert when going out to eat or only go out for dessert (so eat dinner at home first).
  25. Drink water from the tap or buy a water filter instead of buying bottled water.
  26. Save all your coins in a money jar at home and then bank it monthly.
  27. Never do food shopping when you’re hungry.
  28. Reduce or eliminate the number of clothes that require dry cleaning – hand wash at home instead.
  29. Take a set amount of cash when you shop to ensure you only spend your predetermined amount.
  30. Eat less processed meals and get fresh produce from markets towards the end of the weekend when they’re cheapest.
  31. Start carpooling on Saturday nights instead of catching taxis – good for someone’s liver and budget friendly!
  32. Make a rule of no online shopping at your desk.
  33. Explore alternatives to buying books and magazines – hire from the library, borrow off friends or print out a PDF copy online.
  34. Pay for your life, TPD and income protection insurance via your superannuation fund.
  35. Avoid paying ATM fees by only using your own bank and pay in cash rather than credit.
  36. When you’re about to buy something: Analyse whether it is what you want or what you NEED!
  37. Fill up your petrol tank on a Tuesday (usually the cheapest day of the week) and remember to use discount vouchers you get when grocery.
  38. If you drive into work use the ‘Book a bay’ website for cheaper parking.
  39. Buy your non-perishable household items (ie toilet paper) in bulk.
  40. Conduct clothes / handbag /shoe swaps with friends rather than buying something new.

At a recent Super Woman Money Program event, we asked our brilliant participants for their tips on the best ways to save $25 per week. It may not sound like much, but over a year that would add up to $1,300 in savings! Some small changes to the way you spend your money now can equal big savings in the long run.

Check out some of the great ideas below and choose some that could work for you:

  1. Take your lunch to work four days a week. For the fifth day, look for a great deal.
  2. Keep a list of what you spend each day. Don’t forget to include the small things you buy as they can add up!
  3. Sell unwanted clothes/shoes/children’s toys online each month or at markets.
  4. If your income is less than $48,516  per year, make an after-tax contribution to your superannuation to be eligible for the Government co-contribution.
  5. Review your fixed costs (eg insurance, private health, utilities) each year and make sure you’re only paying for what you need or are on the best possible deal.
  6. Cook more meals at home rather than buying takeaway.
  7. Plan your meals each week and have a list for your food shopping so you only shop for what you need.
  8. Catch public transport or if possible, ride or walk to work to save even more money.
  9. Bring coffee from home or reduce your coffee intake to one a day.
  10. Entertain friends at home and then have them do the same.
  11. Keep your $5 notes and gold coins at the back of your purse and save them each week.
  12. Ditch your unused gym membership and go for a walk or run outdoors.
  13. Reduce heating time in your house by closing all doors and blinds for minimal heat loss. Consider installing exterior blinds for summer too.
  14. Shop at Aldi and save on produce costs.
  15. Quit smoking.
  16. Organise an automatic direct debit into your savings account from your pay: you wont miss what you don’t see.
  17. If you have the liberty of starting work earlier, catch public transport before 7am to get a free commute.
  18. Research all your purchases in advance to make sure you are getting the best price. This also stops impulse shopping.
  19. Do your own nails (manicure/pedicure) and hair colour, or stretch out time between appointments.
  20. Take advantage of happy hours at bars and cheaper movie tickets on Mondays or Tuesday nights.
  21. Research free social and cultural activities that take place weekly in Melbourne and other towns.
  22. Catch up with friends for breakfast or coffee rather than going out for lunch or dinner together.
  23. Be more conscious of turning off lights and the heater/air conditioner at home and don’t use the power-hungry dryer unless absolutely necessary.
  24. Don’t buy a dessert when going out to eat or only go out for dessert (so eat dinner at home first).
  25. Drink water from the tap or buy a water filter instead of buying bottled water.
  26. Save all your coins in a money jar at home and then bank it monthly.
  27. Never do food shopping when you’re hungry.
  28. Reduce or eliminate the number of clothes that require dry cleaning – hand wash at home instead.
  29. Take a set amount of cash when you shop to ensure you only spend your predetermined amount.
  30. Eat less processed meals and get fresh produce from markets towards the end of the weekend when they’re cheapest.
  31. Start carpooling on Saturday nights instead of catching taxis – good for someone’s liver and budget friendly!
  32. Make a rule of no online shopping at your desk.
  33. Explore alternatives to buying books and magazines – hire from the library, borrow off friends or print out a PDF copy online.
  34. Pay for your life, TPD and income protection insurance via your superannuation fund.
  35. Avoid paying ATM fees by only using your own bank and pay in cash rather than credit.
  36. When you’re about to buy something: Analyse whether it is what you want or what you NEED!
  37. Fill up your petrol tank on a Tuesday (usually the cheapest day of the week) and remember to use discount vouchers you get when grocery.
  38. If you drive into work use the ‘Book a bay’ website for cheaper parking.
  39. Buy your non-perishable household items (ie toilet paper) in bulk.
  40. Conduct clothes / handbag /shoe swaps with friends rather than buying something new.