Tiny Changes to Make a Big Difference

Often we think we need to change everything, make more money, cut the budget by hundreds a week. In reality, small changes over time can build and make a huge difference if we stick to them.

1. Educate Yourself - learn everything you can. Listen to a podcast about money, watch something on YouTube, read a finance book (even a page a day helps) then apply what you learn.
2. Start saving - even if it is 1%, something is better than nothing. Make sure you keep it in a separate account and don't take it back out.
3. Learn wealthy habits from others and choose one to start e.g. 21 habits of the wealthy or these 25 ways to improve your money.
4. Round down your bank account and transfer it to savings or debt.
5. Transfer $1 extra to debt a week then aim for more next time.
6. Delete access to AfterPay, ZipPay, BeforePay and similar to make it harder to use.
7. Find a way to make extra money e.g. list something for sale today or try one of these side hustles.​
8. Walk instead of drive somewhere.
9. Always use an app to check for the cheapest fuel.
10. Learn to do some basic car maintenance yourself such as refill windscreen fluid, change the wipers, check tyre pressure. Everything the mechanic does will add to your final bill so do the small things yourself.
11. Go to bed earlier so you use less electricity and your body gets better rest.
12. Cancel subscriptions.
13. Use the library.
14. Grow something you usually buy.
15. Put that impulse buy back.
16. ​Use cash back if you are shopping.

Review your budget, what are the areas you need to save more in and how can you make small changes to fix that?

You do not need to change every part of your budget or life but you need to start somewhere.

And if you think the small habit changes such as saving 1% or paying $1 extra on debt a week don't matter, think again. Over a few years, that is hundreds of dollars.

$10,000 in a year is only $27.40 a day. Find tips for that here.

Small amounts add up.

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