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'My pay goes into my account and rent and my loan automatically come out. $10 goes to the vet each week, $10 for Christmas Club, $10 savings per week, $5 to the council for dog registration, $14 per week to the power company, and $5-$10 to my supermarket Christmas club.'

'My pay goes into my account and rent and my loan automatically come out. $10 goes to the vet each week, $10 for Christmas Club, $10 savings per week, $5 to the council for dog registration, $14 per week to the power company, and $5-$10 to my supermarket Christmas club.'

'I make sure I write a dinner menu for the week and ensure I stick to the grocery list for everything we need!  It also means no extra trips to  the supermarket.'

'I make sure I write a dinner menu for the week and ensure I stick to the grocery list for everything we need! It also means no extra trips to the supermarket.'

'Try to avoid the following if you want to save money: cigarettes, alcohol, lollies & chocolate, snack foods and ready-made dinners.'

'Try to avoid the following if you want to save money: cigarettes, alcohol, lollies & chocolate, snack foods and ready-made dinners.'

'I keep a diary and every week budget what bills need to be paid, write a meal plan with a grocery list, and always try and leave something left over to be saved.'

'I keep a diary and every week budget what bills need to be paid, write a meal plan with a grocery list, and always try and leave something left over to be saved.'

'My way to save money is to run past all the goodies because they always get me!'

'My way to save money is to run past all the goodies because they always get me!'

'Bills paid first, then a percentage for food, petrol and savings then what's left if I'm lucky enough to have any, I can use on something for me.'

'Bills paid first, then a percentage for food, petrol and savings then what's left if I'm lucky enough to have any, I can use on something for me.'

'I find withdrawing cash and having to stick to that is a good way to be conscious of spending and the budget.'

'I find withdrawing cash and having to stick to that is a good way to be conscious of spending and the budget.'

'I'm a believer in good old cash and pocket money! You always know what you can afford by the amount of money left in your wallet.'

'I'm a believer in good old cash and pocket money! You always know what you can afford by the amount of money left in your wallet.'

'Each payday I put a little bit into my different NZCU South accounts. And I get to spend the rest, and if I have any leftover it gets put into one of those accounts.'

'Each payday I put a little bit into my different NZCU South accounts. And I get to spend the rest, and if I have any leftover it gets put into one of those accounts.'

'I make a yearly plan of bills and commitments, then break these down into monthly payments. I make sure payments are made each month, and keep some money aside for one-off payments, and allow for occasional treats.'

'I make a yearly plan of bills and commitments, then break these down into monthly payments. I make sure payments are made each month, and keep some money aside for one-off payments, and allow for occasional treats.'

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