"Organize clothing exchanges with friends. Lots of clothes are still in good condition, even if you don't like them anymore. I always find something in my friends' wardrobes that gives me the same feeling of excitement as if I'd bought a brand new item of clothing. And what's more, it's free!"
Dennis R. (26)
"Take a frugal friend with you when you go shopping. They will always have an excellent reason why you shouldn't buy a particular product, whatever it is, and will ward off any sales staff who try and persuade you otherwise. Thanks to their convincing arguments, you will find yourself seriously wondering: 'Do I really need this product?'"
Nadine B. (20)
"Open several smaller pillar 3 accounts with different maturity dates rather than one single account that you put all your money into. Then you'll pay less tax when the time comes to withdraw the funds."
Patrick D. (35)
"Pretend you need to pay an extra 20% tax to the government, but instead of paying the tax, put the money directly into an investment fund."
Rafael A. (23)
"Put all your loose change to one side and pay the coins regularly into a fund savings account. You'll have less weight to carry around, which is better for your back, and you’ll save money too."
Adrian Z. (53)
"When you've got tied-up capital that you can't withdraw until your retirement anyway, invest it sensibly instead of leaving it 'to rot' in your account."
Michael A. (34)