This thread is for low income guys and girls, just like me


1. Treats and other repeat purchases

Some of these small practices become such a ritual they almost become unnoticeable. Buying a newspaper to read on the way to work or a kick-start coffee are purchases so familiar they barely register. Likewise, the habit of picking up a bar of chocolate when you queue for your newspaper may have started as a one-off, but now you don’t give it a second thought.

2. Have a DIY lunch

Just as it’s easy to get carried away with the daily pilgrimage to a coffee house when your work’s kitchen has a kettle and fridge, there's no real reason to spend ages queuing for a wrap when you could quickly prepare what to eat before leaving home. Making lunch rather than buying it offers considerable savings. Say, for example, you tend to buy a rice and beans plus a can of coke for lunch, costing around #250 in total or #1500 a week. Surely, it’s worth cooking from home to save more.

3. Become an active commuter

It takes around 20 minutes to walk a mile, based on an average pedestrian speed of 3 miles an hour. Given many people work within a mile or so of their home, maybe it's a waste of money to then pay for a bus, ride or tram fare to complete the journey. For a start there’s the benefit of doing some exercise, and then there is the savings factor - all depending on your specific journey, of course.

4. Less a school run, more a school ride

The same goes for parents who drive their children relatively short distances to and from school. Petrol prices is on the rise and.they are still relatively high, and it’s an avoidable cost for some people. The solution could be to walk, ride a bike or hop on a scooter for the school run.

5. Become a smarter shopper

Even if you do all you can to avoid spending money, there will always be things you need to buy, such as groceries. It’s possible to shave some of your costs by changing your habits here too. For a start, don’t fall into the convenience store trap. Smaller stores tend to charge more for staples you can pick up in the big chains, so break the pattern of just popping round the corner for washing up liquid and tins of cat food when there is a cheaper store five minutes further along the road.

Hope this makes front page

Nice one