* Try not to use credit cards
* Set yourself a limit of money to
spend a day and stick to it
* Keep money aside in case of
emergancy
* Use public transport instead of
using your car
* Hire a movie instead of going to
the cinemas
* Get a prepaid phone instead of
being on a plan
* Pay your car insurance by
monthly instalments
* Dont take out loans that you
know you cant repay
* Record songs on tapes
instead of buying C.D's
* Only buy clothes that you
have an occasion to wear them
* Enter Competitions in
magazines or newspapers
* Dont ring 0055 numbers or
numbers that charge money
* Have a seperate savings account
* Try not to borrow money
from friends or family
* Only use money that you have
* Pay Bills before they are due
to avoid a late fee
* See Centerlink to find out if
you are eligable for an allowance