Quick Hot Tips

• Save Money: When you go out for a meal, order a glass of water instead of a drink. Drinks can be very expensive at restaurants, and can really add to your bill.

• Save Money: Learn to say ‘no’ to your friends and family when they invite you out to restaurants, if you can’t afford it. Offer to cook for them instead.

• Save Money: Avoid going to shopping malls when you know you’re strapped for cash. You’ll be too tempted to spend and splurge.