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20 Ways to Save

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I know just how difficult it can be to save money. In fact, for many years, I didn't save a penny. Everything I earnt was spent on bills, food and essentials. So, how on earth can you save money if you don't have anything left over at the end of the month?

Well, you've got two choices - earn more, or cut your spending. But I know it's not as easy as that - which is why I've come up with this checklist to help you figure out what you CAN do and HOW to do it.

Download this workbook to find ten suggestions for each of those options, which will hopefully help you have more money left to save at the end of each month.
You will get a PDF (2MB) file
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