ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

Money saving tips.

Updated on October 22, 2011

My grandad used to say when i was a boy.

"Look after the pennies and the pounds will look after themselves. Looking back I really wish now I had followed this advice !"


Money Saving Tips

The answer can be said to be universal. No matter where you live what you do the answer will always be the same. Accounting principles are applied.

  • First you need to have a goal and that goal must and foremost be to spend less than you earn by at least 10 per cent that's right ten per cent.
  • Create a Journal where each day you can jot down the things you did and where your money went.
  • Get seven shoe boxes jazz them up and mark every day of the week Monday to Sunday on each box. Each day collect a receipt for everything you purchase including coffee. put the receipts in the box corresponding to what day it is.
  • When you get a minute or two tot up the amount of money spent each day during the first week then file the receipts into a filing system of some sort. Keep a separate journal and total each of you daily expenses.
  • After a couple of weeks you should be able to see a pattern of habits of where your money goes whether it is on gambling,coffee,alcohol,drinks shoes you name it most of us have spending habits whether we like them or not.
  • Start to save money by gradually reducing your spending. Buy secondhand clothes. Go to the Library instead of buying news books. These days libraries carry news books especially the major metropolitan ones...
  • Cut the unwanted expenditure on things like mobile phone & cable television use. consolidate your bank accounts into one or two accounts
  • read some good books on investing and saving. Suzie Orman series for instance or Warren Buffet.
  • Look for places where you can start saving and investing in the future when you have saved enough say in six months to do so. by having a future goal you will succeed much easier...


    0 of 8192 characters used
    Post Comment

    • barryrutherford profile imageAUTHOR

      Barry Rutherford 

      9 years ago from Queensland Australia


      Your tips seem pretty cool. I'd like to date my banker too but guess what ? It's a machine...

    • Anath profile image


      9 years ago

      Good tips. I can share a few of my tips if you don't mind, like:

      - Sharing a bath.

      - Going out with wealthy men.

      - Look for designer bargains online as opposed to buying them in designer shops.

      - Date your banker.


    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

    Show Details
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)