On Today Tonight they featured a website that I am a member of, - Simple Savings, on it the site owner took a whole street of households and went through their spending and came up with a massive amount of financial savings for each house hold based on very basic things, it was quite a surprise just how much money people are bleeding for no good reason and how easy it was for families to turn it around, one family discovered that by the use of the savings plan one of them was able to give up their job as the financial pressure was released!
Some of the suggestions are things like,
Having a Meal Plan,
Shopping with a Shopping List,
Bulk Buying,
Not using Credit Cards,
Energy Savings
Re-Negotiating - Insurance companies, Utilities etc etc.
If you are finding things tough going financially at the moment I am very confident that you might well be interested in this website!
http://www.simplesavings.com.au/