Start by reviewing your recent spending so you can focus on the costs that make the biggest difference, such as groceries, energy, transport and subscriptions. Compare plans and prices, check for government concessions you may qualify for, and avoid buying items just because they are discounted. Small habits like meal planning, reducing energy use and cancelling unused services can help, but results depend on your household and circumstances. For concessions or payments, check the eligibility rules on the relevant provider’s website or at servicesaustralia.gov.au.