1) It is vital that you draw up a monthly budget - every month.
2) Formulate a good payment plan, enabling you to pay off your debt as fast as possible.
3) Ask your HR Department if you have made use of all the company benefits, like housing allowances, petrol allowances etc. This can help increase your income.
4) Consider creating additional income by utilising your talents, renting out a room or cottage, applying for a second job on the weekends.
5) Consolidate policies.
6) Review your insurance policies annually to ensure that they are inline with depreciation of assets.
7) Watch cell phone costs. Switch to prepaid once your contract is completed.
8) Manage petrol costs by doing round trips instead of driving backwards and forwards. Car pool where possible.