For most people, the suggestion of saving some money at the end of the month might seem laughable as they might find living within the salary they receive extremely difficult. Most people sadly live pay check to pay check and find the end of the month to be a financial struggle as they are extremely short on funds. However, unknowingly, they may be spending more money than they need to and if they are creative enough and do proper budget allocation might find that surprisingly, they are able to save up a little money at the end of the month.

Supermarkets and shoppingAt any given time, you will find that your local supermarket has a number of offers going on in the form of discounts or two for the price of one offers. In some cases, you will find that your supermarket offers certain food at reduced prices because they are getting closer to their expiry. Similarly, if there are two for the price of one offers or fifty percent off offers that are not expiring in the very near future, it would be useful to buy them in bulk so that you will save money in the future as well. It is all in the planning. Any money that you save at the end of the month can go in to a life insurance through superannuation fund for you and your family which will collect interest with time, know more at

Look for free offersAt any given time, there will be a host of things being offered free if you look well enough. As an example, many hairdressing schools will be looking for people to use as guinea pigs to try haircuts and hair designs on for free. By signing up for one of these, you will be able to get your hair cut absolutely free and any money you save can go directly in to your smsf life insurance fund. In fact, different supermarkets will have different offers, which in all will cover quite a few of the things that you need for the month. It would be a useful activity to go through all of the supermarkets in your area and make a note of all the offers that they are having before you start your shopping and you will find that between the offers and the reduced items, you will be able to get most of your monthly essentials at a fraction of the cost that you will usually buy them at. All this money can be saved at the end of the month.

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