A useful saving money tips guide starts with tracking your income and regular expenses, then identifying subscriptions, fees and impulse purchases you can reduce or cancel. Compare household bills, including energy, phone and insurance, and check whether a different plan or provider suits your needs. Planning meals, shopping with a list and setting an automatic transfer to savings after payday can also help build a buffer. If money is tight, check available concessions and payments through Services Australia, and use Energy Made Easy to compare electricity plans.