2. Dining out more often: Your daily visit to expensive coffee shops, your favorite restaurants or that fast food joint near your office can all add up to whopping thousands a year. Even though, outside food is injurious to health in long run. A little change in this kind of spending can help keep aside more money for savings, retirement or repaying your debt.

3. Weekend party: It’s time to party! Do you carry this mood more often? If yes then it’s time to reduce on such events. Try to maintain your lifestyle based on what you can actually afford, and not by imitating others’ buying and spending habits. Don’t get disappointed if your friends buy expensive dresses just for a single day event as he might be having a much fatter account to afford. Instead, try to make your savings account fatter than thinking of borrowing money to boast same lifestyle like your friends. If you start saving from now when you are young, you will be able to take more risk than when you get older.

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