1) Keep a record of income and expenses.

2) Cook your own food at home.

3) Prepare lunch for work.

4) Take public transportation instead of using a personal vehicle.

5) Share expenses together.

6) Buy second-hand items

7) Use discount rights for students.

8) Eliminate unnecessary subscription services.

9) Save on electricity costs

10) Buy products from comparable brands.

11) Buy items according to the planned list.

12) Take advantage of credit card cashback and promotions.

13) Save on water and internet costs.

14) Do your own home repairs.

15) Plan your activities ahead of time.

16) Use library services and resources.

17) Buy things in bulk.

18) Study free information on the internet.

19) Don't buy things because they follow trends.

20) Use second hand textbooks.

21) Negotiate service fee reductions according to the contract.

22) Try the service for free before deciding.

23) Sell unused items.

24) Go shopping once or twice a year.

25) Avoid credit card debt.

26) Set clear financial goals.

27) Adopt a minimalist life concept.

28) Cut unnecessary frivolous expenses.