Several ways to save your money

1) Savings at Meals

Cook at home
Don't always eating out all the time; get a cook at home will help you save your money

To have a lunch outside instead of dinner.
Most of times, restaurants offer more cheaper lunch sets to draw the crowd than dinner ala carte meals.

Pick the right places
Take the final price into consideration; compare prices and try to avoid restaurants that add on additional charges such as 10% service tax, 15% government tax.

Pack from home
Prepared your healthy meal on your own. If you work in sowntown with expensive meals option, then this is the way to save your money up.

2) Free up more cash

Refinancing
You may consider refinancing package with lower interest rates if you have been repaying your home loan for 5 years

Look for cheaper debt
For those with higher credit card debt, don't accept the 18% p.a interest you're paying. You may consider the balance transfer package that charges a lower interest rate.

Switch mobile phone plans
Choose the correct mobile plans package will benefit in form of lower call and text messaging rates. If you have just retired, you might want to think about switching to a prepaid plan to pay for only what you used.

Exercise at home
Instead of paying expensive gym fees each month, try exercising at home. An exercise ball or a skipping rope can help you keep fit. Mopping the floor to me is another form of exercise, so it's a win-win situation; I get the floor cleaned and I keep slim doing it too.

3) Savings on the Shopping Bill

Grow your own food

Get better value per unit
Buying items in bigger quantities usually come with bigger savings

Buy generic or inhouse brands
Hypermarkets like Giant, Carrefour and Tesco, their inhouse product prices are more cheaper than other brands.

Plan your shopping
Shopping with an aim will help to prevent impulse shopping and wastage of food

Time your purchases
Shop during the annual "mega" sales and intermittent sales to get significant savings