"If you have budgeted money for groceries, then each time you get paid put that money into a separate low- or no-fee bank account that has a debit card."in bold letters on this card, so you are reminded what it's for.
Each time you get paid, put money aside in a separate account that you will need for regular bill payments, such as rent, phone, health insurance etc. You should also set up automatic payments for these.Ms Stewart says people should accept that they are likely to have a bit of a splurge every now and then, and that's normal.
"I cap mine at 10 per cent of my net weekly income, which is not much but it works for me," she said.Set the AC to 18-20 degrees Celsius in winter and switch off consoles to save energySet the temperature on your air conditioner to 18-20Switch to low-energy LED lighting.