I’ve been putting 10 bucks away for my now miss 4 every week for every week I knew of her existence. It goes into a bank account I don’t access which is separate to my normal accounts. It also has a high interest rate on it. It accumulates pretty quickly, out of site out of mind.

Try to do your shopping for the meals of the week by the special offers at your local supermarket. My daughter has discovered Op Shopping and this seems to be very popular with teens at the moment. See if your kids like it too. FB Marketplace is also a good place to get things at a much lower price. Markets are often much cheaper for fruit and veg.

Step 1: Get a mattress.
Step 2: Find a person. (this might take longer.)
Step 3: Put that person near the mattress. (The distance is up to you and is dependent on your situation)
Step 4: Get that person closer to the mattress. (By now you might be thinking that this person has money, and it should go in the mattress. This could be wrong.)
Step 5: When the person is close enough to the mattress, call their mother, and talk to her nicely. Take way too long.
Step 6: If that person, has not left, and is still near you, and not on the other side of the mattress and facing the other direction{away from you}, take the mattress and some scissors once you stopped talking on the phone, and tell them money is in your mattress.
Step 7: If your mattress is no longer accessible because it is upside down, and the other person has flipped the mattress upside down, and you did not request the mattress flipping, do not have sex with the person, and charge them for a new mattress.
Contingency Step 8: Find another person. Go To Step 3.
Optional Step X: Take your money out of the mattress, and use a bank account.
Step 10: Don’t buy meat. Take multivitamins instead, and eat grains and carrots(or otherwise).
Step 11: If Step 7 went as planned and the person looks at you with a blank stare, firmly request their intentions as if you had no reason for them being near the mattress at all. (This might be the time to say that you like their pretty eyes.)
Step 12: Get some books out, a budget book and the karma sutra.
Step 13: Throw them onto the mattress, and say ‘spend me’.
Step 14: Once expended, use one of the books, to write a budget. Either book will do.

Make a budget and try to stick to it. I pay my bills fortnightly so they’re paid ahead of time. Shop around for the best deals. Make a meal plan and shopping list and stick to it. Saving a few dollars in costs soon adds up so don’t think a little effort won’t lead to better outcomes overall. i really loved barefoot investor’s strategies regarding saving money and setting yourself up. Check it out, even at the local library.
Tune into where you can lean on your community. Join your local buy nothing group on facebook. See if there is a grow free cart near you where people place excess produce they’ve grown on there to share with their community.

Some great suggestions here. I also find that always taking the money out of the bank and using cash keeps your more accountable than just swiping a card. Also if you put all your loose change into a jar/container this adds up quickly too.

I try to save on my grocery bill by learning when meat markdowns are being done and I buy as much as I possibly can and freeze it, so I can survive for weeks without needing more. I also freeze all of our meal leftovers, so we can have cook free weeks, where I can then just buy basics like milk and not need to buy any items for dinner.

Stop doing takeaway foods and avoid those Cafes and Resturants

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Do a full audit all expenses and incoming them if you can auto transfer. If there are things you can get the kids involved in like collecting cans, lemonade stand etc you could save together for a fun family outing

Set up and auto transfer of a nominated amount that way you are saving without feeling it. You’ll be surprise how quick even a small amount weekly can accumulate to

Jon your local buy nothing group on Facebook. You can give and receive fantastic things. This is a good time to look at what you really need in your household. Look at what’s important to you and use your values to guide you. Find local markets to buy fruit and veg and go just before they are closing. Often they will discount heavily. Then plan your meals around what you were able to get.

Shop for second hand items and clothing. These are usually still in good condition.

Agree with some of the other posters, open a savings account that is not readily available for withdrawal

Opening a Savings Bank Account that you don’t have a card for and the only way to withdraw money would be going into your local branch.

My tip is to repair things if you can instead of replacing.

An account you can’t easily withdraw from. Deposit a set amount each week, no matter how big or small.

I went with the envelope system for a while. That worked really well as I had money aside for specifics when I needed it. Everything seems to have gone up in price at once, I am sure there are many people in this same situation. We all need to know some better money management skills. I hope it works out for you.

I agree with @TraceyGail about an online account having higher interest rates. Some online accounts lets you have separate goals or purposes like emergencies, vacation, retirement, etc. all in a single online account. Another money-saving tip I got from a friend is to download a mobile app that lets you input ingredients you have on your fridge, then the app can suggest recipes of meals you can make with them.

Write out a budget so you know exactly where your money goes. If you have a mortgage, make sure you have an offset account, and all your income goes in there. You’ll pay less interest on the loan.

Having money- even a small amount – automatically transferred to a high interest account each month quickly adds up. Especially if you can avoid touching it except in dire emergency.