Start by reviewing your biggest regular costs, such as rent, energy, insurance, phone plans and groceries, then compare providers before renewing or switching. In Melbourne, using public transport more often, checking myki fare options and making use of local libraries, free events and community facilities can also reduce everyday spending. Plan meals around supermarket specials and seasonal produce from markets, while setting a realistic weekly budget for discretionary purchases. Check eligible concessions through the Victorian Government and Services Australia, as support depends on your circumstances.