If you always eat out for lunch, pack a lunch from home instead. There are many IT CAN other ways to save money on everyday expenses – it just takes a little bit of creativity! BE DONE! Another way to reduce your monthly bills is to negotiate with service providers. This The first step to saving money is can be a great way to save money on understanding your spending. Track things like your mobile phone bill, TV bill. where you are spending your money for Don’t be afraid to ask for a lower price – two weeks using a budget or spending you may be surprised at how often you get tracker. This will help you see where you it! can cut back. Finally, make sure you are taking Once you have an idea of where your advantage of all the discounts and money is going, look for ways to reduce incentives that are available to you. Many your expenses. One way to do this is to find companies offer discounts for things like cheaper alternatives for the things you setting up automatic payments or signing spend money on regularly. For example, if up for paperless billing. Do some research you usually buy coffee from a café every and see what kind of deals are out there – morning, try making coffee at home you could save a lot of money each month! instead.