How is 2012 going for you? Did you make financial resolutions and are you meeting them? Here are some handy and simple tips to help keep you on track with your budget:

· Buy on sale
· Buy second hand
· Make a list for what you want to buy – this helps avoid impulse buys.
· Plan your weekly meals so that you’ll buy only what you need and reduce the temptation to order in or eat out for convenience. Did you know that typically we throw out one third of the food in our fridge because we don’t use it before it expires?
· Clothing swaps with friends
· Keep an eye out for savings and coupons
· Brown bag it
· Entertain at home
· Use the library
· Avoid buying clothes that are dry clean only
· Repair instead of replace

Oldies but goodies!