What are some tips to earn more or spend less?

Reduce Spending:

• Re-negotiate the ‘big bills’ e.g. home loan, electricity, gas, water
• Make shopping lists and stick to them
• Stocktake subscriptions and cancel those you do not use
• Consider what you can DIY (e.g. lunch, coffee, cleaning) rather than buy
• Unsubscribe to shopping emails
• Sell some unused stuff (eBay, Gumtree, Facebook)
• Public transport, Uber Pool or car pool rather than drive or Uber

Earn More

• Take on overtime (if available) or work a second job, ride sharing/UBER, food delivery, cleaning etc
• Earn a promotion or negotiate a higher salary
• Move jobs
• Put some cash in the bank to earn interest
• Make some investments