Start by reviewing your regular bills, subscriptions and insurance, then compare providers before renewing where possible. Plan meals, shop with a list and check unit prices, while using supermarket specials only for items you will actually use. Set up an automatic transfer to a separate savings account on payday, even if the amount is small, and track spending for a month to find leaks. For energy, check your retailer’s plan and government guidance at energy.gov.au, as suitable savings depend on your household and circumstances.