Many people want to save more money but do not want to give up eating out, hobbies or small treats. The good news is that it is possible to save around $200 a month by making small adjustments that most people barely notice.
Where the $200 usually comes from
Many households spend more than they realise on small fees, unused services or timing mistakes. These areas are often easy to adjust without feeling deprived.
- Bank account fees
- Unused subscriptions
- Delivery fees
- Late payment charges
- Automatic payments
- Plan billing cycles
- Use free alternatives
- Bundle services
Example savings breakdown
| Adjustment | Monthly savings |
|---|---|
| Cancel one unused subscription | $15–$25 |
| Avoid two takeaway deliveries | $20–$40 |
| Switch to weekly transport pass | $20–$30 |
| Automatic bill payments | $10–$25 |
| Monthly spending review | $30–$50 |
Three simple habits
Set bills to automatic payment to avoid late fees.
Cancel one subscription you do not use.
Plan one extra meal at home instead of delivery.
Frequently asked questions
Do I need to give up everything?
No, the goal is small adjustments not major lifestyle changes.
What if I already budget?
Many people still have subscription fees or timing issues that can be improved.
What if I cannot save every month?
Saving irregular amounts still adds up over time because progress matters more than perfection.
This article is general information only and does not constitute financial advice, investment advice, legal advice or tax advice. It does not consider your objectives, financial situation or needs.
This article is general information only and does not constitute financial, investment, legal, or tax advice. It does not consider your objectives, financial situation, or needs. You may wish to seek personalised advice from a licensed professional before making financial decisions.