I must start by saying that we did all of these at some stage in our money saving and some of them we still do all the time now. We had a period of our lives where we were paying off debt, then paying down chunks of our mortgage. I always add a disclaimer that these are just ideas and not instructions. Some of them might seem piffling but they all add up in small increments and actually make a big difference. We now live off one well below average income and still try to save half of that every month. These are not in any particular order but just as they came to us. Set a financial target or have a reason why you’re saving money. If you don’t, it can feel miserly and then what’s the point. It could be that you’re saving for a holiday, debt reduction, …