10% rule - Save 10% of your monthly income. At least that's what the financial advisers say. It may seem difficult, but if you think 10% is a bit too much for you, you can start with a lower amount. Aim for 1% to 5% a month and try to increase the amount when possible. The easiest way is to have an automatic transfer set up, by having a percentage of your income transferred directly into a savings account.

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Emergency fund - Always try to have an emergency stash in case of an emergency. It is important to avoid getting into debt when you are not able to pay it without having to withdraw money from your emergency fund.

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Reduce your fixed expenditure - Try to cut back on any extras you currently spend money on. For instance, if you do not go to the gym every month, or if you do not use the internet on your cell phone, there is no need to pay for these things.

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Zero spending day - If possible, pick one day of the week when you will not spend any money at all. This is a good way to lower your spending each week.

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Cell phone plans - The truth is that many of us choose a plan that is not right for our budget. Take a good look at how you use your phone and research the best deals to suit your needs.

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Only use cash - Most people prefer to use cards instead of cash. However, using cards usually makes you spend more money. This is because you do not actually see the money leaving your wallet. If you use cash, you actually have to handle it, which makes you think more carefully about spending it.

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White label products - If there are some products where the brand doesn't actually matter, such as cleaning products or personal hygiene items, in these cases it is usually a better idea to purchase white label products. After all, most of these products are manufactured in the same factories as the branded ones!

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Do you really need all those channels? - Have you ever wondered if you really need all the channels you have on your TV plan? There are different ways to watch your favorite TV shows and movies. This will be cheaper than a package full of channels you do not watch.

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Going out - Do you love going out to bars? Why not transform your home into a bar and invite all your friends over? This way you can control how much money you spend and do not risk overspending. Everyone wins, including your guests!

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Sell unwanted items - If you have lots of stuff at home that you no longer need, so why not sell them? Nowadays it's easier than ever to sell things on the internet. Even Facebook has its own platform to sell used stuff!

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New vs Old - Before you buy something, just ask yourself the following questions: if you have the item already, do you need a new one? In most cases you do not need to buy something new.

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Use your skills - You may even have a stable job, but if you have other skills, such as playing music, singing, drawing, writing, etc., put these skills to use and create a second source of income.

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Set goals - Set three numbers: the amount you ideally want to save, the minimum and the maximum amount of money you can save. This way you will never get disappointed, because you will hit any of the three given amounts and you always end up saving.

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Shopping list - Before heading to the supermarket always carry a detailed list of everything you want to buy, and follow this list.

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Energy-saving light bulbs - Studies indicate that using energy-saving light bulbs results in a 30% saving in electricity bills.

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Useless spending - Stop to think, make a list, and reflect on the objects you bought and just used two or three times. Learn from your mistakes and avoid repeating them in the future.

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Public transport - The truth is that you will spend far less money per month if you use public transport than if you use your car.

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Cheap fuel - If you do not want to give up the comfort of your car, then do some research and find the cheapest gas station near your home. There are apps that can give you this information quickly and effectively.

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Packed lunch - Pack some home-made food for yourself and your children. Resist the temptation of going to a restaurant on your lunch break and always bring your lunchbox.

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Buy second-hand - There is no shame in purchasing second-hand items. You might be able to find a barely-used item at a much better price.

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Borrow it - We are not talking about money but about things that you may be lacking at home. Do you need a specific tool to do a DIY job? Talk to a neighbor or friend who lives close by and avoid spending money on a new tool.

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Book exchange - This tip is for those who love reading. If you have just read a book, then you can trade it with someone else, or create a book-exchange chain on your street or in your neighborhood. It is a great way to save money and always you'll always have something new to read!

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Discount vouchers and coupons - Sometimes we do not even realize how much money we can save with these. A lot of the time we throw away receipts that actually contain discounts that can be used in the next purchase.

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Use anonymous browsing - If you are planning a trip and want to spend as little as possible, then use anonymous browsing while you do research. This is because if you use the same browsing window, travel websites will see that you are doing a regular search for destinations and will raise prices.

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Do not buy bottled water - Don't trust your tap water? Then why not install a water filter in your kitchen. Although it is a significant investment, it will pay off in the long term as you will save by not buying bottled water.

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Generic medications - Choose generic medicines when you go to the pharmacy. The price difference can be very significant and the products are pretty much the same.

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Switch off your landline - Still using a landline phone? Why not consider switching to Skype or another internet service, and encourage others to do the same. Simple and easy!

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Free cultural offers - Stay tuned for the cultural agenda in your area and you will quickly discover that there are lots of things you can do for free, like lectures, workshops, etc.

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Get rid of credit cards - They can be a real temptation and make you spend more than you can afford. If you want to have a credit card, we advise you to keep it for emergency situations only.

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Impulsive buying - When you are about to make an impulsive purchase, think about how many hours you will have to work to pay for it, and whether it is really worth it.

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