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Everyday Banking

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    Your Major Expenditure(s)

    A few useful tips:

    • Before you buy something, do your homework online. Download a grocery app for discounts on products you use regularly. Compare the price of those denims on various sites to find the best deal.
    • Use the same credit card for all your shopping. That way, you’ll earn more points in one place, and get better rewards.
    • If you have a brand or store you prefer, become a member. Loyalty cards often come with great offers and perks.
    • Make a list. Especially when you’re grocery shopping. As simple as it sounds, it’ll help you stay focused on what you need and avoid those impulse buys.
    • Consider bulk buys for your kitchen and wardrobe staples. You can save a lot by stocking up on those non-perishables when they’re on sale.
    • Unplug everything when you’re not using it. Buy energy-efficient appliances that switch off automatically when not in use, to save power and money.
    • Sign up for a family cellphone plan with relatives or friends, and you’ll get a lot more value for your money.
    • Set up automatic bill payment online. No late payment charges, less stress every month.
    • Replace all your light bulbs with long-lasting LED bulbs.
    • Your AC probably has the greatest impact on your electricity bill. By regularly maintaining it and cleaning the filters (especially before summer), you can bring down its energy usage and save more.
    • Plan your daily commute better. Taking a shared taxi or carpooling regularly can help you save quite a bit over the month.
    • Check aggregator websites for the best deals when you’re making travel plans.
    • Don’t leave holiday planning till the last minute. You’ll end up saving a lot by simply booking your flights and hotels a few months in advance.
    • Flying at odd hours might take effort, but it’s well worth it. Take the red-eye for your work trips, and schedule family travel a day before or after the weekend to save money.
    • Use a prepaid travel card for trips abroad, and you’ll never have to worry about currency rate fluctuations again. They’re safer, more convenient than cash and also offer great discounts on dining, shopping and more.
    • Look at the pricing options available for your cable and internet services. If you aren’t using them as much as you thought you would, downgrading or bundling them together will save you money.
    • Don't wait for the weekend to go to the movies. A lot of multiplexes offer great deals on certain weekdays.
    • Entertainment streaming sites offer a dizzying variety of movies and shows you can watch at home, for a lot less. Subscribe to one, and you might never watch cable again.
    • Theatres and comedy clubs often charge less while featuring upcoming plays and artistes on weekdays. Go easy on your spending while giving some new talent a chance.
    • If you’re visiting an amusement park or attending a concert, get a group discount by planning your trip with a few friends in tow.
    • Before heading out for a meal, go online. Many of your favourite restaurants might offer coupons and discounts on the web. Look up the ‘Deals of the Day’ before you pick a place for dinner.
    • When the bill arrives, pay with your cash back credit card. Some of these may offer discounts directly, too.
    • Go on a lunch date instead of dinner. Restaurants usually offer combos or discounts to fill tables at this slow hour.
    • Sign up for membership at your favourite restaurants, and enjoy a meal on your birthday and anniversary for less.
    • Pick the right day of the week to eat out. Business is usually slow for restaurants on Mondays and Tuesdays, so you’re likely to eat for less. Avoid major holidays. Those fixed-price-menus don’t do your wallet (or your waistline) any good.
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