Budget planning and saving money can be challenging, sometimes we’ll get an idea that we hadn’t thought to try or seemed a bit hard.

This week we challenge you to find one thing off the list of suggestions that you can implement and become money brilliant!


Scoopon and Groupon

We found a great deal in Chinatown last week, $6 each for a Thai noodle dish and soft drink. In my world there’s nothing like feeding the masses for $30 and having no cooking or cleaning to do. If you’re going to eat out anyway, why not check if there are any deals in your area?

Do you use cash and wonder where it goes?

For 1 or 2 weeks track everything you buy with cash. At the end of the time period, add the different things up, and see if there’s anywhere you can make savings.

Set up a savings account

Start an account that you can’t access immediately through card withdrawal or immediate transfer. Opening it at a different bank to where you keep your everyday transaction account may mean that all transfers are overnight. This will stop you accessing funds on the spur of the moment.

Beef up your savings account

Set up an automatic transfer on payday that is 1% of your salary. If you did OK next payday think about increasing it by another 1%. Keep going until you are running very low by payday. If that’s not your thing, think of ways to trick yourself in to putting more money in. Maybe anytime your balance isn’t a multiple of $5 or $10 you transfer the money in to your savings account to make it that. Be sure to check that you won’t be charged fees for extra transactions.

Check out the buy, sell and swap sites on Facebook

These sites are a good way to make a buck and save one too.

Bring your own lunch

If you buy lunch every day consider bringing it from home. Even twice a week will save you $20.

Going shopping? Write a list

If you’re heading to the shops, whether it’s for groceries or other things, write a list and stick to it.  A fun thing to do can be to check your statements for how much you spend when you go without a list compared to when you take a list and see how much you saved.

Hand me downs

Hand me downs are a mother’s best friend.  Accept them gracefully and pass them on when you’re done or if you won’t use them. Who wants to take their kids to the park or send them to day care in beautifully presented clothes when you’re pretty certain to get them messed up? Not to say that some of the 2nd hand clothes received aren’t in impeccable condition!

Consider buying and cooking in bulk

A big meal can become dinner and lunch with very little work. Or a huge lasagne or chili con carne can be 3 nights dinner. Aren’t those things better after leaving them to stew in all those spices for a few days anyway?

Op shopping

Get your cool on and head to the local op shop. It’s a great place to pick up all manner of things at a very reasonable price – clothes, books, as well as jewellery and homewares.

If you really can’t find anything that will work for you in the suggestions above, check out one of my previous posts below.

10 Tips to being Money Brilliant
10 Tips to being Money Brilliant – Part 2
10 Tips to being Money Brilliant – Part 3

Do you have any suggestions to add to the list? Please share in the comments below.

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  • All very commonsense ways to go.


  • it would be great to have a decent money off coupon system here, something similar to what the americans have. with a bit of effort (less effort required than going to work though) and they can get trolleys full of groceries for free. their coupons provide real savings and real free food


  • Some great tips to consider here.


  • Some really great tips! I try to save wherever I can


  • Thanks for the article. I already do a lot of these. Making money on facebook though is rather time consuming, you have to wonder if it’s worth it.


  • If I ever have enough money to be brilliant with, I will seek out these tips. No use for them at the moment


  • in desperate need of saving some $$$….i love these tips…thanks


  • I start a new job tomorrow and I love the idea of saving just 1% and upping it in increments if possible. I save a fair bit each week anyway, but having a ‘fun’ money savings account seems pretty smart

    • Good luck! I just increased my days at work from 3 to 4 and at the same time sacrificed 2% of my salary to Super. I won’t even know it’s gone due to the increase in line with more hours :)


  • Love all these tips i need to start budgeting a bit better.


  • Great tips. I actually get a buzz out of saving money, just like some people get a buzz from shopping.


  • Do or have done most of these things – thanks for the tips.


  • We sure use hand me downs, buy scoopons, buy in sale, use shopping lists


  • These are all great tips. I’m happy to say we follow quite a few of them, so I feel we’re doing okay. Could obviously get better at things, so.


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