Do you really need to go for that weekend vacation or car repair is more important? Set your priorities so that you don't have to pay more on things which if paid on time could make you save money
You see that barbeque sauce bottle and end up buying it even if you don't need it? Make a list before you go for shopping. This will help you cut down on mindless buying
Is the leftover sufficient for the next day's meal? If yes, don't just throw it away. These might seem to be non-existent ideas, but they go a long way
Be sanguine on your earning and know exactly where you are spending and what you are spending on
Well, nobody expects us to build house with our own hands, but we could leave some things for DIY (Do it yourself), like making your own fancy flower vase, decorating your balcony etc
When you are going for your shopping, don't hesitate to ask about extra discounts, redeeming your cash vouchers etc
Eating out once in a while is a good thing, but regularly spending on food means splurging a lot of money. Cooking your own meal is healthy as well as inexpensive
The idea is not exactly austerity, but limiting your expenses on things which are not essential
In the beginning of your month, before you allocate your spending, you must deduct your savings first. The calculation should be Income Minus Savings = Expenditure and not the other way round
Debt is both devil and an evil. If it keeps piling up, it will suck out all your income. Pay your debts at the earnest