Key Takeaways: Budgeting: Create a budget and stick to it, ideally making it a rolling budget to keep track of your finances monthly. Use Money-Saving Apps: Leverage apps to compare prices and save on essentials like fuel or groceries. Pay Off Loans Strategically: Aim to pay off loans and bills more frequently to reduce interest. Community Resources: Utilize free resources like libraries to save on entertainment and educational needs. Sell Unused Items: Regularly declutter and sell items you no longer need to free up space and add to your savings. Notable Quotes: "Don’t spend more than you earn and actually have a budget." — Pete Burrows "Convenience comes at a cost." — Ben McEachen "Use an app that can help you save, like the petrol apps." — Ben McEachen "It's free to ask. There is no downside to asking for a discount." — Pete Burrows "Make your own lunch. Retail food can be quite expensive." — Pete Burrows   Join the Money: Faith and Finance Group on Facebook here!We love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode. Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia. Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/ See omnystudio.com/listener for privacy information.