STEP 8
Minimise Your Fixed Costs 

Apart from housing the other big costs are:
  • Electricity
  • Groceries
  • Transport
First of all, you should take a look at your bills (or bank statements) to find out what you are paying in each of these areas over a year. Then consider whether or not you think you could realistically get the cost down. 

For tips on getting your grocery bill down click here. 
For tips on how to minimise your electricity and transport costs click here.


“I actively manage my fixed costs” 


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Protect Your Money