Saving money is best started by cutting the expenses on seemingly small daily purchases. It has been proven that the small items may be responsible large amounts being sucked out of your pocket. It would be a great idea to keep records of your purchases for a week to see what can be done to improve the situation. (from Twitter user @ingvilda)

You may count the money you spend on these ‘guilty pleasures’ such as chocolate bars, candy, magazines etc. and compare the total amount with the effort you have to take in order to earn this money. (from Twitter user @ingvilda)

It would be a great idea to follow the golden rule: first pay for your liabilities with interest that works against you. For instance, credit cards, consumer loans etc. These are the most costly and burdensome debts that have to be dealt with as soon as possible. (from Twitter user @ingvilda)

My family’s favourite pastime is turning the pages of large retailers’ advertisement leaflets that are abundantly delivered to our mailbox. They are quite helpful when it comes to finding the best offers for our favourite products. You get the same “Snickers” bar regardless of the retailer, while the price may differ. (from Twitter user @ingvilda)

When it comes to such basic products as sugar, we opt for retailers’ own brands, since they are produced by the same producers who also sell their products under their own brand. (from Twitter user @ingvilda)

We scrupulously study the price-quality ratio. Even a slight step down on the “brand ladder” may help you cut up to 25% of your expenses. (from Twitter user @ingvilda)

You should check your loyalty cards from time to time, for they may bring you pleasant surprises in the form of substantial discounts. It is a good idea to get rid of the unused cards and see if your favourite shop has introduced its own loyalty programme. (from Twitter user @ingvilda)

We go to the farmers’ market at the end of the day, for this is the time when traders offer discounts with a soothing effect on your budget. (from Twitter user @ingvilda)

From time to time we also review our operators’ contracts, for instance, mobile phone and internet service tariff plans. The technologies are developing at the speed of light and you may easily switch to a service that simply offers more for the same price. (from Twitter user @ingvilda)

Our friends use pre-paid SIM cards from different operators simultaneously, thus benefitting from tariff plans with free talk-time. (from Twitter user @ingvilda)