Saving Money - The 40 Tip Cheat Sheet for Peace of Mind, Effective Budgeting and

Saving Money

The 40 Tip Cheat Sheet for Peace of Mind, Effective Budgeting and Financial Success

by Zach Lees

Copyright © 2016 by Zach Lees


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Fresh Authors Publishing
PO Box 1043
Campsie, NSW 2194

Who is the Author?

Hello, My name is Zach Lees, and I enjoy writing books on saving money. I don’t like long-winded introductions, so I’ll keep this brief. 6 years ago, I was up to my neck in climbing the corporate ladder. Sure, it was affording me plenty of shiny objects, but I HATED the lifestyle. I quickly discovered that the true currency of life was happiness.

I share as many tips, secrets, and strategies on saving money with my reader as I can.

[* Want to see read some of my other books? Click here.*]

[+ +]

[] Introduction

Bonus Book
Here is your FREE gift!

If you would like to receive this book, and other tips on saving money then click below now!
The Step-by-Step Budgeting Guide

by Zach Lees[

Hello! My name is Zach Lees and I’m a former member of the corporate rat race brigade. I have learned over the years of slaving myself to death that money is incredibly valuable and should not be frittered away on material expenses that are not necessary. I don’t spend money of fancy goods, and I absolutely hate consumerism.

In my opinion, it is a damn shame that many will spend the majority of their days working a job that they do not like to spend money on things they do not need..

The general population delude themselves into thinking that one day..they’ll have enough…and walk away. Unfortunately, people rarely ever do walk away from their jobs – everyone appears to suffer from more-itis.

There have been many surveys conducted with people on their deathbeds on their lives. One particular question gets to me everytime..

“What do you regret most?”

The responses are wide-ranging…You can probably guess some of the more common ones:

I wish I had spent more time with my family..

I wish I had chased my dreams more..

I wish I had travelled more..

I wish I had taken more risks..

Today, we are going to make sure this one doesn’t crop up for you: “I wish I had worked less..”

I’m going to give you 40 tips on how you can start saving money today.


PS. If you find them a bit basic, great! Feel free to take a look at my book [+ Urban Frugal Living – 30 Strategies to Save Over $10k Annually+] . This book provides a how-to guide on how the average American can save over $10k annually to free themselves from financial stress.

1. Go Bank Shopping

Moving your bank account whether it is a checking or savings account can help save you a lot of money. Shop around and look for the latest offers, some banks charge a monthly processing fee where others don’t. Imagine you are paying $1 per month as a user fee, that is $12 a year and $120 over ten years. It might not be a lot but it certainly adds up. Be sure to check the interest rates as well with each bank. Also some banks even offer a free bonus when signing up with them so take advantage of those great deals. Opening up a savings account is also one of the most obvious ways to save money – you can even choose one where you can’t withdraw the money for a certain period of time meaning you spend less and save more all in one go.


2. Make your own Gifts

Making your own gifts for friends and family for birthdays and holidays can really save a huge amount of money. Just think of all those expensive shop bought gifts you have given people and then think if they have actually used them! Involve the family as well by making personalized cards making it a fun activity rather than a chore and making gifts to your close ones all that more special. Try making cookies, soap, candles and artwork which are all inexpensive to create with personalized tags making that gift even more special.

3. Only Shop for Groceries with a List

When you walk into the supermarket you can be tempted to buy a load of extras that you don’t really need. By sticking to a list of the things you need you can cut down on your food shopping by half every month. Go in with a full stomach and a clear mind and only buy what you have on your list. You need to be disciplined when doing this but with practice you will get better each time!

4. Buy in bulk wherever possible

Abiding by the rule of only buying what you need when going grocery shopping you can also save money by trying cheaper or different brands that are currently on offer. For example if you have toilet rolls on your list and you usually buy a $2 pack of four but see on offer an eight pack for $2.50 you should buy those instead.

5. Host Parties at Home instead of ‘going out on the town’

It’s your birthday and you want to do something special and interesting for your friends but don’t want to dish out a serious amount of money? Maybe you have a night out each week with your friends? You can save a LOT of money by hosting a party a home. Food and drink is certainly cheaper if you buy it and prepare it yourself and personally, I find it more homely. You can even think of some fun games, movies to watch and drinks that will cost you a quarter of the price of a meal at a restaurant. Get your friends involved and tell them to do the same as well.

6. Repair your own clothing

Everyone does the same thing, when a button falls off a jacket or the hem of your skirt has come unstitched we all toss our clothes away. Try learning some basic sewing skills and sew up the hole in your sock or put the button back on that shirt. It might sound old fashioned but it’s a great money saver. If something isn’t suitable for wearing outside your house, patch it up and wear it when doing the gardening or doing dirty chores around the house.

7. Try spending less money on your children

This money saving tip might sound a bit mean to some but most parents will say that more than half their money goes on entertaining their children, for example, buying the latest technology, buying new expensive toys and taking them out on expensive trips. Sometimes the simplest and even free things can be the best entertainment. Keep your eyes open for places that offer child free entry, take them to the park with a picnic and limit them to the amount of new toys, smartphones and tablets you buy. This will also help build financial discipline into your children at a young age. Involve them in your money saving efforts by shopping at cheap outlets with them and buy good quality shoes that last longer than cheaper pairs saving you money in the long run. You will find that over the course of time you will save a lot of money by sticking to these simple rules.

8. Say no to fast food and ready-meals

It will probably surprise you how many take-out meals you eat and how many ready meals you cook. If you lead a fast, busy life there are still ways to make time for cheaper, home-cooked meals. There are so many healthy, quick recipes you can achieve which is not only better for you but cheaper as well. If you usually have lunch out at work try taking a packed lunch with you. It will save you a LOT of money when you add it up. Use a slow cooker or one pot recipes to save time by chucking everything in to cook at once, not only are these options tastier but also a great deal cheaper. Cook everything ahead when you can and throw them in the freezer if you anticipate a busy week ahead.

9. Turn off all Household Appliances at the Socket

If you have a habit of leaving the TV on mute while listening to the radio then switch it off. Turn off your computer when you’re not using it and cut down on the electrical appliances you use in your home to save on energy bills. Unplug your microwave at the powerpoint socket – that is unless you need your microwave to tell you the time. Unplugging everything at the socket when not in use will save you several hundred dollars a year in a family of four!

10. Lights Off!

Everyone is guilty of leaving a light on for the sake of it either because they forget or they like the cozy feeling it gives off. Either way turning off a light can make a huge impact on your monthly electric bill. There is no reason to have four lights on in one room when you can still see with one. The bottom line to this rule is basically turn off the lights when you are not using them! Also, make sure you use energy efficient light bulbs! This sounds simple but it constantly surprises me many people don’t do this.

11. Swap and Trade!

A lot of our money goes on the latest movies, music and best-selling books. Start up a trend with your friends and family and start to swap things. When you have read a book pass it on for the latest video game or when you have watched a film swap it for that CD you want to copy. Swapping things is a great way to save some money and it’s also an excuse to catch up with your friends more often! You can even swap clothes, shoes, children’s toys, kitchen gadgets and other items you use all the time.

12. Energy Efficiency, not Upfront Price

When coming to the question of saving money you are probably thinking that the washing machine on offer for $50 dollars cheaper is a great deal, right? Not necessarily… When you need to buy household goods and electric appliances always do a little research first, because sometimes that little extra investment might save you a lot of money in the future. Always check to see which items give you a longer warranty which saves replacing them or fixing them regularly and the newer appliances on the market are actually more energy efficient than the older ones.

13. Keep your Credit Card At Home

When you go shopping you tend to buy things that you don’t really need if you have the money. Most people don’t have the spare money but they do have a credit card. Your mind plays strange psychological tricks on you when you’re swiping your card instead of using real money. Quit using your credit card for things you don’t really need and leave it at home when on a shopping trip. Try to keep your credit card for those emergencies, saving you money on interest when paying it back. The simple answer to the credit card problem is keep it in a drawer away from your own prying hands!

14. Always do a price comparison

Whatever it is that you are going to spend your money on you should always do a price comparison. Even for the minimal items you buy like washing up liquid or the bigger products like furniture and vehicles. Do some research on the internet and check around your local shops and dealers. There will always be a cheaper option meaning you can save some pennies. Always shop at locations that will do a price match when you can!

15. Replace paid memberships where possible

Have you signed up for a membership that you haven’t actually taken advantage of? Cancel it. Most people don’t even realize they pay for something when they subscribe to it, whether it is gym facilities or magazines. If you don’t use it or aren’t interested in it then go ahead and cancel it. Check to make sure that you actually use memberships and subscriptions and look at what they entail. In my view, newspaper subscriptions are no longer necessary given the vast and up to date array of information given for free on the internet today.

16. Always Buy Second Hand

If you need to buy something for your home or for yourself try looking at the used option first. Many items do not need to be bought brand new. There are some great thrift stores and yard sales everywhere and even some great websites where you can buy others people unwanted items. You might find some really interesting, unique items as well. While you’re there you can even sell some of your unwanted items too, meaning everyone is happy.

17. Shop around for the best insurance rates

Everyone pays some sort of insurance whether it is life insurance, medical insurance, car insurance, pet insurance or home insurance. You can really cut back and save some a whole ton of money if you spend a day or two checking out the best, cheapest options. A lot of insurance companies will give you a great deal if you switch all your insurance policies over to one place and some policies might even offer you more than you’ve getting up until now. Again, try haggling, especially if you’ve been with a company for a long time.

18. Don’t throw away leftovers

A lot of people often toss away leftovers that can be easily re-used. By simply taking your dinner leftovers you can jazz them up into something interesting the next day. This will save you a significant amount on your grocery shopping bills and give you some interesting new things to try and cook. You don’t have to be adventurous at all but even just freezing over the left over casserole from the night before or turning mash potato into famous ‘hash browns’ for breakfast is simple and efficient at the same time.

19. Bottle and preserve fruit and vegetables

Try your hand at bottling and preserving your own fruits and vegetables. You will probably notice that strawberries are really expensive when they are not in season. This is the case with a lot of fresh fruit and vegetables. If you want to take advantage of this fact then take a look into some easy ways of jarring your own jam or bottling those fresh apricots. You can use them with all kinds of things when they are ready and will last a REALLY LONG TIME and it’s also a great way to stop fruit going off in the hot weather.

20. Get your DIY Skills Up!

You probably don’t need the plumber to come and tighten your tap and you might not need the painter to come and re-paint your bedroom. Read a few books, watch a few videos and learn how to do things yourself. Start small like hanging up a picture and aim big like putting furniture together. Sometimes you really don’t need to pay a professional to do those odd jobs sitting around the house and you will even feel proud that you have learned a new skill.

The best example I can personally come up with for myself is learning to put together my computer. It took me weeks of research, but it saved me several hundreds of dollars, and now I can pull it apart and change parts whenever I want to make it last longer – and I loved it! You may not be a computer person, but I’m sure you have something else you’d love to explore!

21. Buy Food and Drinks Sparingly when Out and About

A lot of people on their commute to work or on a long journey always buy coffee, tea and soft drinks from shops or cafes. Your $3 cup of coffee comes at a massive premium This also accounts for food. Try packing your own food and snacks in a cool box whether you are going to work or on a trip. You probably don’t even realize how much you spend on food and drink when you are out until you actually add it up. Make your coffee at home, and never buy bottled water! Fill up your water bottles at home.

22. Buy a Deep Freezer

If you haven’t already got a deep chest freezer investing in one can save you a lot of money. When you go shopping you might see meat or frozen items on special offer but don’t have anywhere to keep it? You can buy a months’ worth of meat and store it really saving you some money in the long run. When you go to the frozen products section in the supermarket check-out some of the offers and take advantage by buying them in bulk.


23. Take a Closer Look at your Internet, Phone and Cable TV providers

These services that you pay to use are typically the worst when it comes to taking advantage of their customers (I can see you nodding your head). Take a close look at what you are paying for and how much. You might find that are paying for minutes you never use, extra use of download speed and channels you never watch. Shop around and take your time in finding the perfect provider to suit your budget. If that doesn’t work then you can try and haggle with yours. This works especially well when you’ve been with the same provider for a long time.

24. Start a Vegetable Garden

There are so healthy foods you can plant in your indoor or outdoor garden. Try tomato plants, cucumber plants and even more exotic things like chili. Try your hand at growing your own herbs as well not only saving you money but giving you a healthier option of food choice. Not only is it a fun activity but it’s also great for you, great for the environment and great for your bank account. I personally feel that a vegetable garden functions like a little money garden. If you had to spend a bit of time

25. Use Public Transport

We’re all guilty of hailing a cab when there is a perfectly good bus to use or driving our car to work rather than taking the train or walking. The amount that you can save alone on using public transportation is motivation in itself. Save your car and your fuel for that matter when you really need it. It’s also a great way to catch up on your reading.

26. Upcycle!

Rather than buying a new set of dining chairs try to make them look new with a coat of paint and new fabric coverings. Use your old pillowcases and make them into rags for dishwashing or take those coffee pots and make them into plant pots. If you take some carpet cleaner to your rug you might not need to buy another one. Be creative! There are so many uses for tin cans, old clothes, torn bedding and worn furniture.

27. Wash your own Car

Everyone loves that feeling when getting into a freshly, cleaned car. Save some money by taking a bucket and scrubbing it yourself or even pay your child some pocket money to get their hands dirty. You can buy some professional products to clean and wax your car with which will last at least ten washes and cost you less than it would taking your car to a car wash once. This serves the dual purpose of cleaning and helping you exercise.

28. Get your Debts sorted ASAP

If you have any old bills and debt running around you take some time to sit down and think about how you achieve quicker results. Ensure that the debts that have the highest interest rates are paid off first.

29. Do a Monthly Budget

Having a monthly budget can stop you frittering away money that you don’t actually have. Keep a checklist on hand that shows you what you have to spend and where it goes. Keep bills separate, groceries and other items. Budget what can spend on days out and events and budget so that you don’t overspend. This is something that everyone needs, it helps you keep track of what you have to spend and what you need to spend.

30. Make your own Cleaning Supplies

The amount of cleaning supplies one can get through in a month is enormous. This can be washing powder, shampoo, bleach, degreaser, air fresheners and a bunch of other sprays we probably don’t actually need. Aside from the fact most of these items contain harmful chemicals, they are also expensive. There are some great ideas floating around the net which are cheaper and safer to make instead of buying store-bought supplies. In fact, you can accomplishing 95% of these tasks with a baking soda mixture!

31. Use Coupons

To actually effectively save money you should start taking up a coupon hobby. Print them, download them, cut them out, but use them. Coupons are everywhere these days, so there’s no excuse not to look for them. A good place to start at is www.coupons.com. It is actually even possible to do a whole month’s worth of grocery shopping just on coupons and it’s a great way to avoid buying groceries that you don’t actually need.

32. Take Intelligent Vacations

Instead of going on a big extravagant trip to an exotic location try planning holidays to suit your family and your budget. Some of the most memorable holidays are the least expensive ones. Try a new camping spot, go somewhere cheap and trade the five-star resort for a three-star hotel. Spend less while on holiday by researching into local events and free attractions to save even more money while on vacation. If you don’t care where you go, but you still want to travel far away, consider LastMinuteTravel.com. This site offers cheap accommodation and airfares at the last minute as companies try to fill up remaining spots at the last minute to make as much money as possible – hence the name!

33. Stop spending on Luxury Items

Do you really need that $10 shampoo? Do you need to buy that new gadget? Think about all the things you have that you don’t necessarily need. Have you bought something and never used it? We all have. Fortunately, this represents a money-saving opportunity for us! You can save a ton of money by changing your lifestyle. Instead of buying expensive face and body products, go for the less expensive option. There is nothing wrong with using a regular bar of soap!

34. Don’t be afraid to give Favours

Carpooling is the simplest example of this one. Instead of driving your child to school every day while your neighbor does the same, swap days. Reach out and babysit for your friends whilst you take care of the groceries. Favors cost you nothing at the end of the day and when they are returned to you, you will be saving some serious money.


35. Plan, plan and plan some more

Planning ahead can really save you some money. One of my favourite tips is to plan your meals one week ahead so you can aggregate ingredients and buy in bulk. Plan days out that don’t cost anything. Plan your entire lifestyle. By doing a lot of planning and having timetables to keep to you will see the pennies adding up. It sounds like a lot of work but once you get into the habit of it you will see it’s really worth your while. By planning different aspects of your life you are cutting down the possibility of over spending or spending money on unnecessary things. For example, by planning ahead for your meals, you may be able to stop yourself from going out on a Friday!

36. The Ten Second Rule

This might seem a like a strange money saving tip but it actually works! When you want to buy something whether it is online or in a store take out ten seconds to really think about why you are buying it. Just hold up before clicking the button ‘buy’. Can your table lamp last a few more months? Even though you love the look of that new sofa can yours be made useful a little longer? Over spending leads to more stress, and by stopping and thinking about what you need and don’t need before purchasing you can put more money aside to pay off your mortgage. It doesn’t necessarily have to be a 10 second rule. The longer you wait for every purchase, the better!

37. Keep yourself Busy

This tip is simple. The more you keep yourself busy, less you’ll be tempted to go out or go online and spend money. Find a hobby, exercise, start a DIY project, learn a new language..the list is virtually endless!

38. The Health Imperative

Eat healthy and exercise more. Although you may not see an instant effect on your bank balance, you will save a lot on medical bills in the long run. If your body is tip top shop, the less likely you are to get ill.. Simply by changing your lifestyle to a healthier one you will be visiting the doctors less and will use a lot less medication because your immune system will increase as your overall health does.

39. Organize Renovation Get-Togethers

A lot of people who own a home will really see their bank balance crash when they need to do some work on the house. It might be a paint job, a landscaping job or some simple maintenance work. If you ask about some of your friends might even have hidden skills that might be of use to you. Organize a get-together where everyone helps out and fixes something that needs doing


40. Create a Daily Money Saving Initiative

One of the best saving tips around is to create a list for every day of the week with something you can cut back on. For example, your initiatives for the week ahead can look something like this: on Monday turn the heating down, on Tuesday leave the lights off, on Wednesday cook a home cooked meal, on Thursday don’t buy anything, on Friday take the bus, on Saturday pack a picnic and on Sunday don’t use your phone.


In my view, saving money must be taken as seriously by each and every individual as making money. The reason for this is simple:

Every dollar saved is worth the same as every dollar earned.

When pulling out your next dollar, it is very important to keep this at the forefront of your mind. This particular mindset will assist you greatly, and has helped me on countless occasions tuck that bill securely back into my pocket!

I sincerely hope that you try to apply as many of the money saving tips in this book as possible. Put them to the test you will start to see you hard earned cash start piling up. It won’t happen overnight but if you are disciplined and careful with the way you spend your money you will be saving in no time. You will be able to take on that job you really wanted but couldn’t afford to because it offered less money. You will be able to quit that second job. Your stress levels will drop and your life will change.

See you on the other side.


[Thanks for Reading!
**]If you feel like I’ve added value to your life don’t forget to check out my other books on my author page. Scroll ahead for more descriptions and a sample chapter.



Other Money – Saving Resource Books

Bone Broth – Recipes to Save Money Lost Weight and Improve your Health

Bone broth is a fresh new cooking method that helps you save money, lose weight, improve your health and look younger, by making use of would-be wasted bones. Bone Broth – Recipes to Save Money, Lose Weight and Improve your Health teaches you the insider secrets on how to start using bone broth, and maximize its benefits for you.

What’s more, it comes with plenty of delicious recipes with clear and concise step-by-step instructions on how to create home-made chicken, beef, turkey, fish, lamb and assorted bone broths to maximize nutrient intake and taste.

Urban Frugal Living – 30 Strategies to Save $10k Annually

Are you looking for practical, money saving strategies that you can easily apply, after putting a book down? Look no further. [+ Urban Frugal Living – 30 Strategies to Save Over $10k Annually+] covers:

p<>{color:#000;}. Grocery Shopping

p<>{color:#000;}. Eating

p<>{color:#000;}. Gardening

p<>{color:#000;}. Exercising

p<>{color:#000;}. DIY

p<>{color:#000;}. 100+ total uses for Baking Soda

p<>{color:#000;}. Entertainment

p<>{color:#000;}. The book also comes with a 2 week meal plan at an average of 350 calories and $2 per meal


p<>{color:#000;}. I encourage you to take a [+ “look inside”+] to see everything that’s covered to see what’s included!

Bonus Chapter

[]Chapter 1: Why Live Like an Urban Frugalist?

As the world falls deeper into debt and stress levels intensify while fulfillment levels plummet, I sit back in my modest yet comfortable home and watch all the nonsense happen as the savings in my bank account grow. How? Because I’ve taught myself how to be comfortable living my own version of a frugal lifestyle.. And now is the perfect time for you to do the same. A life well lived – with the right priorities sorted – depends on it.

There are many reasons why some choose to live frugally, but the first and most obvious reason is so that they can save more money. Think of it this way – if you spend five years of your life living frugally but at the end of 5 years have $25,000 in the bank, then your frugalness was worth it. Or, you could spend five years living paycheck to paycheck just to cover your high expenses and end up in more debt than when you started. Which scenario do you prefer?

The Urban Frugalist Mindset


It is at this point that I should define the difference between living like an “urban” frugalist, and “living frugal.” There are so many books out there teaching you how to do everything yourself, and telling you to go on monthly “challenges” to not spend any money at all. That’s fine.

But that’s not our goal here. I want to make sure that you’re not spending anything in excess of what you need and enjoy. I want to make sure that you’re monitoring your budget, and constantly looking for places to cut costs without being overly silly. To live happily in modern society, we need to allow for just a little bit of leeway..

Living frugally allows you to put more money away towards more meaningful things in life. This may sound obvious but many are so stressed out at the end of their work day that they can only just rustle up enough energy to plop themselves into bed. Has that happened to you?

Taking this lifestyle choice also has the added benefit of allowing you to de-clutter your life. Think of your house, for instance, and all of the items inside of it that never get used. Maybe they are there because you enjoy shopping a little too much, or maybe they are there because you once used them but you don’t anymore.

Either way, how often do you feel stressed from an influx of material belongings that you don’t truly need? How often do you feel buyer’s remorse, despite the shopper’s high that accompanies the actual purchase? Is there an item lying around in your house right now, that you’ve never used, but bought on impulse that one time? I shudder to think about all the money I’ve wasted on impulse purchases.

Making the decision to live frugally allows you to purge the unnecessary from your life and cleanse your body, mind and spirit. When you learn to live without all of the excess, you’ll begin to feel refreshed and rejuvenated with simplicity. You will remove yourself from the vicious cycle of consumerism.

Stress reduction is one of the most well-known benefits of frugal living. Without all the bills, useless space-wasting belongings, and debt plaguing you, think of how much more you could enjoy your life! Day after day, men and women work themselves to the brink of insanity to pay for things that don’t have any real value, while letting the things in life that do have value – their health, sanity, and relationships – fall by the wayside.

Think of how much more flexible you could be with work and the jobs you take on if you didn’t have to pay for that third car, or pay that $1,500 a month mortgage, or pay for all your beauty services? Think of what it would be like to cut your work hours in half and enjoy your days off rather than slaving away to pay your bills.

OK, enough of that! It’s time to get stuck in! Perhaps you can apply all of the following tips in this book . Or maybe you are in a position to only be able to apply some. You may be actively applying some of them already. The key is to turn the strategies into personal disciplines. Make sure you understand this distinction! A discipline is more than just knowledge, understanding and general application. It is a thorough and rigorous habit.

Remember, every dollar saved is exactly the same as an extra dollar earned, so make sure you have a think about every single strategy I outline!

Want to read more? [+ Click here.+]

Saving Money - The 40 Tip Cheat Sheet for Peace of Mind, Effective Budgeting and

Are you tired of feeling like you are constantly being bled for every last bill in your wallet or purse? Are you always on the lookout for ways to save money? Do you want a quick and easy tip cheat sheet on how reduce expenditure with minimal loss in your quality of life? If you answered YES to any of the above questions look no further! Introducing Zach Lees' Saving Money: The 40 Tip Cheat Sheet for Peace of Mind, Effective Budgeting and Financial Success This no-fluff book contains 40 Easy and Proven tips and tricks that experts use to help you save money starting today, and start you on your journey towards financial peace of mind today!

  • ISBN: 9781311778314
  • Author: Zach Lees
  • Published: 2016-02-02 00:40:21
  • Words: 5935
Saving Money - The 40 Tip Cheat Sheet for Peace of Mind, Effective Budgeting and Saving Money - The 40 Tip Cheat Sheet for Peace of Mind, Effective Budgeting and