A password will be e-mailed to you.

Over the past few months, Really Simple Money has been counting down our top 100 World’s Best Savings Tips. Our aim is to provide you with quick and easy ideas to help change your spending habits and save a little bit more money every day.

Every little bit helps, so we hope that these weekly tips have been coming in handy. Here is the full list of our tips so far collected into one spot.


World’s Best Savings Tips 1 – 10

In the first week, we kicked off with some oldies but goodies courtesy of Acorns and ASIC’s Money Smart.

1) Change just one habit. It’s easy to think about making pain-free savings – finding cheaper ways to keep doing and buying the same things. But sometimes you’ll need to make painful savings and consider cutting things out. We’ve dispelled the myth that cutting down on smashed avo on toast will buy you a house.  But you will notice a small change, whether it’s visiting the library instead of Amazon, or cancelling your gym membership.

2) Set a goal and save with a buddy. Warren Buffett, one of the wealthiest and most financially sensible men of all time, gives the following advice: “Don’t save what is left after spending, spend what is left after saving.”  It can seem lonely bringing lunch to work when everyone else is out for sushi, so set some saving goals with a friend.

3) Slow down your fashion. Not only do clothes contribute to landfill, they also cost money. Op shops are bulging with hardly-worn clothes. If you’re going to buy something new, avoid dry-clean only. And can you wear it with at least two other items?

4) Save on food and groceries. We’ve recently compared supermarkets and meal boxes to bring you the best value. A hot tip is the Imperfect Picks range at Harris Farm Markets and the Odd Bunch at Woollies. Seasonal produce at less than half the price.

5) Save on electricity and water. Read our energy saving tips and, really, consider switching if you can. The retailers are very keen for your business.

6) Reduce the cost of your debt. Buffett cautions against having any credit card debt at all but assuming you’re not a billionaire, calculate how fast you can pay it off. And did you know you can get paid for having a mortgage?.

7) Reduce your bank fees and make your savings work for you. Some banks offer a basic bank account with zero fees. We’ve looked at online savings accounts but also consider lending your money out on Ratesetter, a peer-to-peer lending platform which can offer you a return of up to 9%.

8) Take $5 notes out of your wallet and save them – the old piggy bank idea still works! Set a target and bank them when you reach 200 and start again.

9) Open a savings account at a bank that will deter you from making withdrawals – like a termdeposit that has penalties from pulling out before the end of the term

10) Open sub-accounts for different projects – holidays. Home deposits – so you can track your progress.


World’s Best Savings Tips 11 – 20

This week we focused on the home and shopping to help you cut back on your everyday bills.

11) Turn off the tap when brushing your teeth. This can save litres of water, keep wastage down and cut back on your water bill.

12) Take shorter showers – not only will it help you save water, it will also save on electricity bills.

13) Don’t turn up your thermostat too high in winter despite the chill as this will help cut back on your electricity bill.

14) Unplug your laptop and other appliances when you are not using them. Leaving your computer on all day is a waste of money.

15) Convert to high efficiently appliances or low-flush toilets when your current ones need replacing.

16) Always make a shopping list before you hit the supermarket and stick to it. See more supermarket shopping tips here!

17) Buy produce or fruit when they are in season – not only do they taste better, they are often cheaper.

18) Buy the floor model when looking for a big-ticket item such as a washing machine, you often will get a handsome discount.

19) Buy last year’s model when shopping for electronics  – they are cheaper and you can still negotiate a healthy sale price.  So long as it performs the tasks you want, it will be just as good as the newer model.

20) Buy chocolates, decorations and wrapping paper the day after a major holiday like Easter or Christmas, they are so much cheaper.


World’s Best Savings Tips 21 – 30

In the third week we focused on shopping, eating and travel tips.

21) When eating out find a seat at the bar where you’ll find better deals and cheaper fare.

22) Look out for restaurants that allow kids to eat for free on certain designated nights.

23) Order drinks on happy-hour specials.

24) Always buy everyday items like batteries, bottled water and vitamins in bulk. They work out to be much cheaper.

25) Avoid buying pre-cut produce at supermarkets – you are more likely to pay four times as much for the convenience of pineapple chunks or carrot sticks

26) Stock up on wine and liquor the day after a major holiday as they are often on discount

27) Invest in a slow cooker, not only does it make delicious meals while you are at work, it also provides lots of leftovers to go around.

28) If you are flying off on a holiday soon, avoid the rip off of buying bottled water at the airport after going through security. Take an empty water bottle and fill up at a free drinking fountain.

29) Instead of buying books, go to the local library instead and borrow them.

30) Cancel your gym membership and exercise outside in the park. You can also watch personal trainers’ classes on YouTube for free.


World’s Best Savings Tips 31 – 40

In week four we identified ways to save and help slash your day-to-day spending.

31) Top American money wizard Warren Buffet says: “Don’t save what is left after spending, spend what is left after saving.’’

32) The old piggy bank method still works – put aside $5 notes from your wallet and save them. Set a target and bank the notes when you reach $200 then start again.

33) Open a savings account that will deter you from making withdrawals like a term deposit which has penalties for pulling out before the end of the term.

34) Open a basic bank account with zero fees – this will help reduce your bank fees and make your savings work for you.

35) Open accounts for different projects like holidays, money for paying bills or home deposits. This will help track your progress.

36) Set up an automatic transfer to your savings account after payday. This will make sure you won’t have time to miss the money.

37) Set a budget. Use a budget calculator to work out your expenditure, understand where your money goes and find out how much you need to put aside each payday. In this way you will not run out of money before your next pay packet.

38) Consolidate your debt. Get rid of extra credit cards and opt for a simple card with lower interest rates and less fees. Check out Canstar for a comparison of credit cards.

39) Buy cotton wool from the aisle selling baby items – they are often cheaper.

40) Slow down on buying new clothes. Not only do they contribute to landfill, they also cost money. You can always look at Op shops as they are often bulging with hardly-worn clothes. If you really have to buy something new, avoid dry-clean only items – they are expensive to maintain.


World’s Best Savings Tips 41 – 50

In the fifth week we looked at simple hacks that can help you save when banking online, managing subscriptions and finding freebies!

41) Nickname your accounts. Research proves this creates an emotional connection that motivates you to save more.

42) Set up automatic transfers to savings and investment accounts after payday. Don’t give yourself time to miss the money!

43) Get a cash-back credit card to earn money as you spend.

44) Get a ‘free lunch’ on your birthday. Find businesses (like cinemas or restaurants) that give you a freebie on your birthday and remember to take advantage!

45) Take cash out while you are at the supermarket to avoid out-of-network ATMs and the additional costs that come with them.

46) Stop paying maintenance and other hidden fees for your bank account. Shop around for a free account.

47) Transfer your savings to a high-yield account. There’s no point having lots of unused money sitting in your normal savings account. Put them in an account with a higher interest rate.

48) Raid your drawers for unused gift cards. If you have any lying around, try to either use them up or regift them. Just check the expiration dates first!

49) Grab digital freebies whenever you can. If a movie is free on Google Play for a promotion or an app is free on the Apple Store for a couple of weeks, be sure to take it. Even if you aren’t planning to use it right now, it will be free for you in the future!

50) Cancel subscriptions to services you don’t use anymore. If you aren’t watching Netflix much or you don’t need that food box delivery anymore, stop renewing them.


World’s Best Savings Tips 51 – 60

In week six we focused on how you can cut your day-to-day spending especially when you go supermarket shopping.

51) Shop after 7 pm at supermarkets, many drop their prices in the evenings when they know they have to shift perishable products before the end of the day.

52) Shop alone, people who shop as a couple tend to put more in their trolley as each person will have their own idea on what’s important and should be purchased.

53) Don’t ask: “What’s the cheapest way to get all the goodies I want?” Instead ask yourself: “On my budget of  $xxx, what can I afford?”

54) Don’t believe in brand hypnosis. Whether it is bacon, biscuits or baked beans, if something costs more, it’s got to be better, right? The answer is wrong.

55) Try dropping one brand level on everything you buy. If you can’t tell the difference, stick to the cheaper one.

56) Many people tend to buy branded washing powders, shower gels and other cleaning products. The saving is huge if you scale back and buy home brands instead. After all, many of the products are made at the same factories.

57)  Just because a supermarket lists an item as “on offer”, it does not mean that it is cheap. Always use unit pricing to compare value for money, check the price per 100 grams and choose the cheaper option.

58) Avoid the extras – products offering 100grams extra for little cost often mean you don’t save money because you’ll eat more.

59) Avoid big supermarkets if you only need to top up a few things. You are better off in a small store as it takes more effort to get around a big supermarket and you may be tempted to stock up more.

60) Last-minute temptations such as lollies, chocolates and magazines are located near the checkout to entice bored and tired shoppers while they wait to be served. Try to resist!


World’s Best Savings Tips 61 – 70

In the seventh week we focused on the home and how you can introduce some simple measures around the house to cut back on your bills.

61) Cut your shower time to four minutes or less. It also helps to install a water-saving showerhead.

62) While waiting for the shower water to warm up, save the cold water in a bucket and use it in the garden or to water your pot plants.

63) Use your dishwasher. They generally use a lot less water than washing your dishes by hand in the sink.

64) Avoid rinsing dishes under a running tap. It wastes a lot of water.

65) Use a front loader. They use a lot less water than top loaders.

66) Wash clothes in cold water and lower the temperature on your hot water system to 60 C.

67) Turn down your gas heater by a few degrees. It will save you money on your bill. You are also not likely to notice a huge difference in temperature if you lower it slightly.

68) Use a trigger nozzle if you are washing your car with a hose. Turn the water off when sponging the car. Alternatively, you can use a low-flow, high pressure car cleaner which helps to remove dirt. This makes the job faster.

69) Don’t renew your car insurance without shopping around for a better deal. You can save hundreds of dollars on greenslip renewals with services like the Motor Accident Authority’s greenslip comparison page for NSW.

70) Cut back on coffee and alcohol drinking at home – it will not only save money, but also make you healthy.


World’s Best Savings Tips 71 – 80

In week eight we discussed your car: how you can drive more efficiently and make your car more fuel efficient in order to cut back on your bills.

71) Make your car more fuel-efficient. You can do this by keeping your tyres inflated. If the tyre pressure is low, it increases the drag on the car which means you will use more fuel. So regularly check the pressures to make sure they are correct.

72) Declutter your car. The lighter your car, the less effort it needs to accelerate. You can save on fuel by clearing your junk from the boot. On average every extra 50 kg in your car, will increase your petrol by 2 per cent.

73) Take your roof rack off. A roof rack adds wind resistance to the car which makes your engine work harder. A roof rack can add fuel consumption by a whopping 10 per cent.

74) You should also turn off the air-conditioning when you don’t need it. Air-conditioning uses an incredible amount of fuel.

75) Drive more efficiently. Accelerate gradually without over-revving. If you press hard on the pedal, you will use more fuel.

76) Change up a gear sooner than later. Always drive in the highest gear possible without labouring your engine.

77) The brake is a money burner. Give yourself time to slow your car down gradually. Good road positioning is crucial for this.

78) Find the cheapest petrol or diesel prices. There are several apps available to find cheap petrol near you. Try the Motormouth appfuelcheck.nsw.gov.au is another online tool designed to provide real-time information about petrol prices at every station across NSW. You can also use petrolspy.com.au

79) It is not necessary to have a full tank as it adds weight to the car and your car will use more fuel.

80) Carpooling with friendsand neighbours is a good way of sharing costs. You can take turns to use different cars to work. Remember the less you use your car, the more you walk or use public transport, the more you slash your costs.


World’s Best Savings Tips 81 – 90

In week nine we looked at supermarket shopping and how you can introduce some simple measures to cut back on your bills.  

81) Plan your meals for the week before you shop. Then just buy what’s on the menu.

82) Shop on a full stomach. You will buy less snacks and treats.

83) Try not to shop when you are tired or worn out after a busy day. It’s much easier to focus and make wise choices when you are fresh and full of energy.

84) Shop only once a week. You tend to spend more if you stop at the supermarket store several times a week.

85) Even if you stick to a shopping list, you should always shop with a calculator and add things up as you put them in your cart – you will be surprised how quickly your grocery bill mounts up. It will also help you stick to your spending budget.

86) Every time you arrive at the check-out counter, look into your cart and pick three to five non-essential items you don’t really need. There will be things which you will not need till next week so you don’t really have to buy them now. It will shave your grocery bill little by little.

87) If you are on a tight budget, stick to cash when grocery shopping. This creates a barrier around how much you are going to spend and forces you to stick to buying what you can afford.

88) Ditch the plastic credit card. Many consumers say they have become so “swipe-happy” that they end up buying far too much when they visit the supermarket.

89) Clean out your fridge once a month. Use up what you bought before buying more.

90) Organise your food storage cupboards and drawers. If you don’t know what you have or can’t find what you bought, you’ll end up buying more of the same unnecessarily.


World’s Best Savings Tips 91 – 100

In week ten we published these simple savings tips for cutting back at the supermarket that can also make you feel better and healthier too. Good Housekeeping magazine produces dozens of great tips and we’re indebted to them for these cool summer savers.  

91) Beanz meanz savings. You can save $10 or more choosing protein-packed beans, chickpeas and lentils instead of animal protein like chicken or beef, according to Good Housekeeping’s food and nutrition savers.

92) Say nuts to that. Use nuts and seeds instead of small goods like deli meats and save about $10. Cutting back on deli meat for peanut butter and similar products makes for a more nutritious lunch choice that is an affordable way to get additional fibre.

93) My slim Greek wedding. Have low-fat Greek yogurt instead of tempting smoothies. According to Good Housekeeping, unsweetened Greek-style yogurt can save you $13 versus some “sweetened” smoothie drinks that you find at the supermarket.

94) Say cheese – cottage cheese. Cottage cheese is always a favourite when stock up on nutrition and cutting back on spending.  It’s a more nutritious and affordable replacement for other cheeses. Cottage cheese is filling and tastes great in salads or in place of a higher-fat cheese like burrata or even mozzarella on pizza.

95) It’s no yolk… Add eggs to just about anything, from vegetables to soups and chilli.  They are not just for breakfast! you want at least one yolk. That’s where you’ll find most of the nutrients in eggs.

96) Catch of the day in a can. Canned fish is reasonably priced, lasts a long time and is good for you. Sardines, anchovies, salmon, and tuna are all great options

97) Be a fresh food person. Eat fresh – but buy what’s in season, and consider stocking up when you find a good deal. Use the freezer and buy tasty corn when you can get it for $1 for two pieces, then cut it from the ear and freeze it in bags.

98) Cheap is cool! Don’t be afraid to hit the sale corner, or follow that sales assistant with the marker pen.  She’s probably slashing the prices of anything that goes out of date in 48 hours. Instead of shopping for groceries based on your weekly meal plan, consider planning your meals around what’s on sale. Wear your bargains with pride and brag about them!  

99) Be an adventurous carnivore. You don’t have to give up meat just because you’re saving. Try chicken thighs and get a slow cooker to produce sumptuous meals from slightly tougher cuts. Cuts with bone, skin, and organs are really inexpensive.  Just Google and recipes and be amazed!

100) Some like it hot! Indian and Mexican dishes use lots of beans and rice – good, inexpensive staples produced with fabulous rich sauces that don’t cost much to buy or make. They don’t rely on meat, and have lots of protein and fibre.


Whew! Congratulations to everyone who made it through the entire list – you must really be determined to save some money! If you’ve put any of the ideas above into practice, we’d love to hear about it in the comments.

That’s it for now! We hope that you’ve been finding our series of the ‘World’s Best Savings Tips’ useful. Stay tuned for lots more! Be sure to sign up for our newsletter to get them as soon as they are published.