🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 98 (from laksa064)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa098.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.nbc.ca/personal/advice/budget/tips-on-saving-more.html\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.nbc.ca/personal/advice/budget/tips-on-saving-more.html\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.nbc.ca\/personal\/advice\/budget\/tips-on-saving-more.html","crawl_time":1775857969,"first_indexed_time":1560418231,"http_code":200,"src_unparsed":"ca,nbc!www,\/personal\/advice\/budget\/tips-on-saving-more.html s443","src_root_hash":"2288514570930058498","history_drop_reason":null,"meta_title":"40 tips to help you save money | National Bank","meta_descriptions":["Save money quickly, no matter how much you earn! Here are 40 tips you can use to help put some extra cash aside"],"attrs_boilerpipe_text":"How to save money in your day-to-day life?\n1. Avoid impulse purchases – take the time to think it through and\n    make a\npersonal\n  budget\n.\nWait 24 hours or a few days before making a\n  purchase. This will help you distinguish between your wants and your\n  needs, put spending limits in place and make it easier to\nconsume responsibly\n.\n2. Reduce your utility bills by adopting good habits.\nHeating\n  accounts for most of your electricity costs. If you’re leaving for the\n  day, turn down the thermostat by a few degrees (you can do the same\n  thing at night). Smart thermostats are also a good investment.\nGood to know:\nYour water heater can consume up to 20% of your\n  annual electricity bill. Reduce your energy costs by washing your\n  clothes in cold water with a detergent formulated for this purpose.\n3. Buy house brands. They’re cheaper than well-known brands\nand\n  often just as high quality.\n4. For\nrenovation\n    projects\n, rent the tools that you won’t be using very\n  often.\nNot only is it more economical, it also means less clutter\n  in your home.\n5. Make your coffee at home rather than buying it at a coffee\n  shop.\nIt doesn’t take much effort and you’ll save money without\n  even realizing it.\nHow to save money at the grocery store?\n6. Go grocery shopping after a meal or have a snack just before\n  –\npeople who go to the supermarket on an empty stomach tend to buy more.\n7.\nMake\n        a monthly budget and prepare your shopping list\nby\n    browsing online flyers for discounts.\nSome apps can also do the\n  work for you and suggest the best buys.\n8. Compare prices by weight to find the best price\/quantity\n  value.\nThis information can be found on the labels displayed on\n  supermarket shelves and is very handy for comparing products.\n9. Don’t buy prepared products\n. Pre-cut vegetables or grated\n  cheese cost a lot more. Get out your knives and grater and start saving!\n10. Reduce your meat consumption.\nMeat is expensive. Start with\n  one or two meat-free meals a week and gradually replace it with plant\n  proteins such as beans and other legumes.\nHow to save money on transportation?\n11. Travel by bike whenever possible.\nThis is a great way to\n  save on transportation costs and get some exercise while you’re at it.\n  If you don’t own a bike, bike-sharing is available in certain towns\n  and cities.\nPro tip:\nFind you’re using your vehicle less often? Notify your\n  insurance provider and your car insurance premium could be reduced.\n12. Ride with other people.\nWhether it means using public\n  transit or carpooling with coworkers, it’s more responsible and\n  economical than driving alone. You could also try car-sharing\n  applications, which allow drivers to pick up additional passengers.\n13. Before buying a car, use an online comparison tool to find a\n    less expensive model.\nWhat about a\nhybrid\n      or electric vehicle\n? They’re more expensive to buy, but\n  you’ll save on gas in the long run.\n14. Slow down to reduce your fuel consumption.\nDid you know\n  that driving at 100 km\/h on the highway instead of 120 km\/h saves\n  fuel? Try applying other principles of fuel-efficient driving –\n  avoiding sudden acceleration or easing off the gas pedal to slow down\n  instead of using your brakes – and you’ll start to see positive\n  effects on your gas costs.\nHow to save money on internet, TV and cell phone bills?\n15. Review your bills to see if you’re paying for unnecessary\n  services.\nDo you really need all those TV channels and streaming\n  services? Getting rid of the ones you only use occasionally could save\n  you tens of dollars every month. You could also subscribe to different\n  platforms on a rotating basis.\nPro tip:\nIf you spend a lot of time at home using Wi-Fi,\n  chances are your mobile data needs are lower. Check out the details of\n  your cell phone plan to see if another one might be better for you.\n16. Renegotiate your cell phone plan regularly.\nSometimes all\n  you have to do is ask for a discount and they’ll give it to you.\n17. Buy a second-hand cell phone or keep your current one for as\n    long as possible.\nNew phones are very expensive. Resist the\n  temptation to upgrade to the latest version and keep the one you have\n  for longer. You could also find a used phone at a fraction of the\n  price online.\n18. Bundle your services.\nBy combining your internet, telephone\n  and TV subscriptions into a single bill with one provider, you could\n  save a lot of money.\nHow to save money on your kids’ expenses?\n19. Give homemade gifts or second-hand toys.\nNot only is it\n  good for your wallet, it’s also good for the planet.\n20. Buy clothes at thrift stores.\nKids grow up fast, so why buy\n  new clothes when they’ll only be worn for a few months? Whether you go\n  to a second-hand clothing store or thrift store online, you’ll find\n  pieces for much less.\n21. Rent your sports equipment.\nA number of specialty stores\n  offer inexpensive year-round rentals and will even give you credit in\n  exchange for equipment your kids have outgrown.\n22.\nContribute\n        to a Registered Education Savings Plan (RESP)\n.\nThe\n  money set aside will grow tax-free, plus you’ll also be eligible for\n  government grants, which will reduce the cost of your child’s\n  post-secondary education.\nHow to save money when you’re in school?\n23. Buy used textbooks.\nMany academic institutions organize\n  used book sales on their social networks or discussion forums, and\n  school book stores will often buy your used books. You could also opt\n  for digital versions of textbooks, which are generally less expensive\n  than the paper versions.\n24. Take advantage of student discounts.\nThanks to your student\n  status, you may be able to get discounts or special rates on various\n  products and services. Don’t forget to keep your student card on you!\n25. Avoid getting takeout meals and limit your restaurant\n  outings.\nThese bills add up quickly, so try hosting dinners with\n  friends at home. You could also cook in larger quantities – it’s more\n  economical – and freeze the extra portions.\n26. Take advantage of free activities.\nMany cities and towns\n  offer free shows, exhibitions and cultural activities. It’s easy to\n  have fun without spending a fortune!\n27. Claim your\nstudent\n        tax credits\n.\nThis credit is equivalent to 15% of\n  your annual tuition fees at the federal level and 8% at the provincial\n  level. When you file your\nincome\n      tax return\n, don’t forget to claim the interest paid on\n  your student loan, if you have one.\nExample:\nA student who pays $3,000 in tuition fees can earn up\n  to $450 in credits.\n28. Plan\na\n        budget for your first apartment\nif you’re thinking\n  of moving out of your family home. This will help you better manage\n  your housing costs.\n29. Learn about scholarships and student loans. \nDon’t have\n  enough savings or money in your RESP to finance your studies? Explore\n  scholarship options for your program or province. Alternatively,\na\n      student loan may be a good solution\n. It’s still a loan,\n  but the interest rate is relatively low.\n30. Choose the right banking package.\nNo need to pay fees – if\n  you’re between the ages of 18 and 24,\nThe\n      Connected\n®\nchequing account\nis available for $0\/month.\nHow to save money on travel?\n31. Support local tourism and go on adventures in your own\n  province.\nYou don’t have to spend money flying overseas to\n  experience your dream vacation.\n32. Set up alerts on different airfare sites.\nYou’ll be\n  notified when there’s a price drop on tickets you’re interested in.\n33. Try a home exchange.\nThere are several platforms where you\n  can swap accommodation with someone in a destination that interests\n  you. If you’re after something a little more adventurous, couch\n  surfing – free accommodation with locals – is also an option.\n34. Change your cell phone plan or get a local SIM card.\nTo\n  avoid roaming charges and high bills when visiting another province or\n  country, review different options with your provider. Some packages\n  offer more attractive travel rates and service fees. Alternatively,\n  you could buy an eSIM card online that works for the region you’re\n  visiting. This will give you access to data – and sometimes text\n  messages and phone calls – for a fraction of the price.\n35. Be flexible with your travel dates.\nConsider different\n  options, as moving the departure or return date by even a few days can\n  have a big impact on the price.\nHow to save money on financial services and taxes?\n36. Save money with\naccelerated\n        mortgage payments\n.\nBy accelerating your mortgage\n  payments, you could save thousands of dollars in interest. Our\npayment\n  calculator\nwill help you figure out the best plan.\nGood to know:\nBy paying an additional $2,000 per year on a\n  $300,000 mortgage, at a fixed rate of 5% amortized over 25 years,\n  you’ll pay $41,252 less in total interest. You’ll also pay off your\n  mortgage sooner than expected.\n37. Pay off your credit cards in full every month –\nyou could\n  end up paying a lot in\ninterest\notherwise (link to external site).\n  A $2,000 purchase at 20% interest will cost you $4,240 if you only\n  cover the minimum monthly payments. That’s more than double!\n38. Shop around for home and car insurance whenever you renew a\n  policy.\nPremiums vary widely from one insurer to another. Do your\n  homework before you renew and shop around. You could also reduce your\n  premium by bundling all your policies with the same insurance company.\n39. Take advantage of your employer’s\npension\n  plan\n.\nThese plans are usually worthwhile because your\n  employer contributes to them too. A group RRSP in which your employer\n  makes additional contributions is another great option.\n40. Split your pension income with your spouse.\nIf you’re\n  retired, consider\nsplitting\n      your pension income\n. This means allocating a portion of\n  your income to your partner to maximize your tax efficiency: if you\n  have the higher income, moving to a lower tax bracket will mean you’ll\npay\n      less tax\nas a couple. Age requirements may vary from\n  province to province, so it’s worth\nreading\n      up more\n.\nThere are plenty of ways to save without sacrificing too much. Start\n  with the tips that seem easiest to adopt today, and use that money to\n  set up a systematic savings plan. Remember: little by little, a little\n  becomes a lot. The sooner you start, the sooner you can carry out\nprojects\n      that are close to your heart\n.\nDon’t\n    hesitate to make an appointment with one of our specialists.","attrs_markdown":"- Go to page content\n- Go to main menu\n- Sign in to my account\n\n- [Personal](https:\/\/www.nbc.ca\/personal.html)\n- [Business](https:\/\/www.nbc.ca\/business.html)\n- [Wealth Management](https:\/\/www.nbc.ca\/wealth-management.html)\n- [About Us](https:\/\/www.nbc.ca\/about-us.html)\n\n- Search\n- [Help](https:\/\/www.nbc.ca\/contact-us.html)\n- [Fr](https:\/\/www.nbc.ca\/bin\/switchLanguage?lang=Fr&p=b29aab78e3e54a9ed3aad3c719800f62050de782b58a0acfc30aa890d244a712d322c607774fd8236458ddb4d44ecd7d0cf664443e1902e48a26723e74587534b1004be8fcd51726dbd3495e5efee7218ee2a795abfdc14e0716b899ec189bf6)\n- Become a client\n  \n  - [Personal](https:\/\/www.nbc.ca\/personal\/switch-national-bank.html)\n  - [Business](https:\/\/www.nbc.ca\/business\/accounts.html)\n- Sign in\n  \n  Online transactions\n  \n  - [Personal](https:\/\/app.bnc.ca\/?lang=en)\n  - [Business](https:\/\/commercial.bnc.ca\/app\/business-banking\/en-CA\/redirections)\n  - [Direct Brokerage](https:\/\/client.bnc.ca\/nbdb\/login)\n  - [National Bank Financial](https:\/\/client.bnc.ca\/nbfwm\/login)\n  - [Natbank](https:\/\/web13.secureinternetbank.com\/pbi_pbi1151\/login\/067091764)\n  - [Group Retirement Plans](https:\/\/nbtmyretirement.com\/)\n  - [Private Banking 1859](https:\/\/client.bnc.ca\/pb1859\/login)\n\n[![National Bank](https:\/\/www.nbc.ca\/content\/dam\/bnc\/commun\/logo\/logo-nbc-155x50.svg)](https:\/\/www.nbc.ca\/)\n\n- [Bank accounts](https:\/\/www.nbc.ca\/personal\/accounts.html)\n- [Credit cards](https:\/\/www.nbc.ca\/personal\/mastercard-credit-cards.html)\n- [Borrowing](https:\/\/www.nbc.ca\/personal\/borrowing.html)\n- [Mortgages](https:\/\/www.nbc.ca\/personal\/mortgages.html)\n- [Savings and investments](https:\/\/www.nbc.ca\/personal\/savings-investments.html)\n- [Insurance](https:\/\/www.nbc.ca\/personal\/insurance.html)\n- [Advice](https:\/\/www.nbc.ca\/personal\/advice.html)\n\nSign in\n\nOnline transactions\n\n- [Personal](https:\/\/app.bnc.ca\/?lang=en)\n- [Business](https:\/\/commercial.bnc.ca\/app\/business-banking\/en-CA\/redirections)\n- [Direct Brokerage](https:\/\/client.bnc.ca\/nbdb\/login)\n- [National Bank Financial](https:\/\/client.bnc.ca\/nbfwm\/login)\n- [Natbank](https:\/\/web13.secureinternetbank.com\/pbi_pbi1151\/login\/067091764)\n- [Group Retirement Plans](https:\/\/nbtmyretirement.com\/)\n- [Private Banking 1859](https:\/\/client.bnc.ca\/pb1859\/login)\n\nClose\n\n# 40 tips to help you save money\n05 September 2025 by National Bank\n\n![Image for an article on 40 tips to save money, showing a family having breakfast. ](https:\/\/www.nbc.ca\/content\/dam\/fragment\/images\/img-40-truc-ecomomiser.jpg)\n\n**Has your financial situation recently changed? Maybe you’re trying to save for a big project? It’s never a bad time to review your budget and develop good saving and spending habits. Here are 40 of our best tips for putting more money aside.**\n\n**In this article:**\n\n- [How to save money in your day-to-day life?](https:\/\/www.nbc.ca\/personal\/advice\/budget\/tips-on-saving-more.html#p1)\n- [How to save money at the grocery store?](https:\/\/www.nbc.ca\/personal\/advice\/budget\/tips-on-saving-more.html#p2)\n- [How to save money on transportation?](https:\/\/www.nbc.ca\/personal\/advice\/budget\/tips-on-saving-more.html#p3)\n- [How to save money on internet, TV and cell phone bills?](https:\/\/www.nbc.ca\/personal\/advice\/budget\/tips-on-saving-more.html#p4)\n- [How to save money on your kids’ expenses?](https:\/\/www.nbc.ca\/personal\/advice\/budget\/tips-on-saving-more.html#p5)\n- [How to save money when you’re in school?](https:\/\/www.nbc.ca\/personal\/advice\/budget\/tips-on-saving-more.html#p6)\n- [How to save money on travel?](https:\/\/www.nbc.ca\/personal\/advice\/budget\/tips-on-saving-more.html#p7)\n- [How to save money on financial services and taxes?](https:\/\/www.nbc.ca\/personal\/advice\/budget\/tips-on-saving-more.html#p8)\n\n## How to save money in your day-to-day life?\n**1\\. Avoid impulse purchases – take the time to think it through and make a [personal budget](https:\/\/www.nbc.ca\/personal\/advice\/budget\/creating-a-personal-budget.html).** Wait 24 hours or a few days before making a purchase. This will help you distinguish between your wants and your needs, put spending limits in place and make it easier to [consume responsibly](https:\/\/www.nbc.ca\/personal\/advice\/budget\/consume-responsibly.html).\n\n**2\\. Reduce your utility bills by adopting good habits.** Heating accounts for most of your electricity costs. If you’re leaving for the day, turn down the thermostat by a few degrees (you can do the same thing at night). Smart thermostats are also a good investment.\n\n![Picto of a light bulb with a money symbol](https:\/\/www.nbc.ca\/personal\/advice\/budget\/tips-on-saving-more\/_jcr_content\/root\/responsivegrid\/responsivegrid\/landmarks\/responsivegrid_1498571997\/responsivegrid_130352253\/contentfragment\/par3\/responsivegrid_copy_\/responsivegrid_copy\/responsivegrid\/image_copy_copy.coreimg.png\/1722889022303\/picto-solution-entreprise-65x66.png)\n\n**Good to know:** Your water heater can consume up to 20% of your annual electricity bill. Reduce your energy costs by washing your clothes in cold water with a detergent formulated for this purpose.\n\n**3\\. Buy house brands. They’re cheaper than well-known brands** and often just as high quality.\n\n**4\\. For [renovation projects](https:\/\/www.nbc.ca\/personal\/advice\/home\/tips-for-making-a-renovation-budget.html), rent the tools that you won’t be using very often.** Not only is it more economical, it also means less clutter in your home.\n\n**5\\. Make your coffee at home rather than buying it at a coffee shop.** It doesn’t take much effort and you’ll save money without even realizing it.\n\n## How to save money at the grocery store?\n**6\\. Go grocery shopping after a meal or have a snack just before –** people who go to the supermarket on an empty stomach tend to buy more.\n\n**7\\. [Make a monthly budget and prepare your shopping list](https:\/\/www.nbc.ca\/personal\/advice\/budget\/how-to-make-a-monthly-food-budget.html) by browsing online flyers for discounts.** Some apps can also do the work for you and suggest the best buys.\n\n**8\\. Compare prices by weight to find the best price\/quantity value.** This information can be found on the labels displayed on supermarket shelves and is very handy for comparing products.\n\n**9\\. Don’t buy prepared products**. Pre-cut vegetables or grated cheese cost a lot more. Get out your knives and grater and start saving\\!\n\n**10\\. Reduce your meat consumption.** Meat is expensive. Start with one or two meat-free meals a week and gradually replace it with plant proteins such as beans and other legumes.\n\n## How to save money on transportation?\n**11\\. Travel by bike whenever possible.** This is a great way to save on transportation costs and get some exercise while you’re at it. If you don’t own a bike, bike-sharing is available in certain towns and cities.\n\n![Picto of a locker](https:\/\/www.nbc.ca\/personal\/advice\/budget\/tips-on-saving-more\/_jcr_content\/root\/responsivegrid\/responsivegrid\/landmarks\/responsivegrid_1498571997\/responsivegrid_130352253\/contentfragment\/par14\/responsivegrid_copy_\/responsivegrid_copy\/responsivegrid\/image_copy_copy.coreimg.svg\/1722889117351\/picto-strong-password.svg)\n\n**Pro tip:** Find you’re using your vehicle less often? Notify your insurance provider and your car insurance premium could be reduced.\n\n**12\\. Ride with other people.** Whether it means using public transit or carpooling with coworkers, it’s more responsible and economical than driving alone. You could also try car-sharing applications, which allow drivers to pick up additional passengers.\n\n**13\\. Before buying a car, use an online comparison tool to find a less expensive model.** What about a [hybrid or electric vehicle](https:\/\/www.nbc.ca\/personal\/advice\/budget\/benefit-electric-car.html)? They’re more expensive to buy, but you’ll save on gas in the long run.\n\n**14\\. Slow down to reduce your fuel consumption.** Did you know that driving at 100 km\/h on the highway instead of 120 km\/h saves fuel? Try applying other principles of fuel-efficient driving – avoiding sudden acceleration or easing off the gas pedal to slow down instead of using your brakes – and you’ll start to see positive effects on your gas costs.\n\n## How to save money on internet, TV and cell phone bills?\n**15\\. Review your bills to see if you’re paying for unnecessary services.** Do you really need all those TV channels and streaming services? Getting rid of the ones you only use occasionally could save you tens of dollars every month. You could also subscribe to different platforms on a rotating basis.\n\n![Picto of a locker](https:\/\/www.nbc.ca\/personal\/advice\/budget\/tips-on-saving-more\/_jcr_content\/root\/responsivegrid\/responsivegrid\/landmarks\/responsivegrid_1498571997\/responsivegrid_130352253\/contentfragment\/par19\/responsivegrid_copy_\/responsivegrid_copy\/responsivegrid\/image_copy_copy.coreimg.svg\/1722889117351\/picto-strong-password.svg)\n\n**Pro tip:** If you spend a lot of time at home using Wi-Fi, chances are your mobile data needs are lower. Check out the details of your cell phone plan to see if another one might be better for you.\n\n**16\\. Renegotiate your cell phone plan regularly.** Sometimes all you have to do is ask for a discount and they’ll give it to you.\n\n**17\\. Buy a second-hand cell phone or keep your current one for as long as possible.** New phones are very expensive. Resist the temptation to upgrade to the latest version and keep the one you have for longer. You could also find a used phone at a fraction of the price online.\n\n**18\\. Bundle your services.** By combining your internet, telephone and TV subscriptions into a single bill with one provider, you could save a lot of money.\n\n## How to save money on your kids’ expenses?\n**19\\. Give homemade gifts or second-hand toys.** Not only is it good for your wallet, it’s also good for the planet.\n\n**20\\. Buy clothes at thrift stores.** Kids grow up fast, so why buy new clothes when they’ll only be worn for a few months? Whether you go to a second-hand clothing store or thrift store online, you’ll find pieces for much less.\n\n**21\\. Rent your sports equipment.** A number of specialty stores offer inexpensive year-round rentals and will even give you credit in exchange for equipment your kids have outgrown.\n\n**22\\. [Contribute to a Registered Education Savings Plan (RESP)](https:\/\/www.nbc.ca\/personal\/savings-investments\/resp.html).** The money set aside will grow tax-free, plus you’ll also be eligible for government grants, which will reduce the cost of your child’s post-secondary education.\n\n![Picto of a rocket](https:\/\/www.nbc.ca\/personal\/advice\/budget\/tips-on-saving-more\/_jcr_content\/root\/responsivegrid\/responsivegrid\/landmarks\/responsivegrid_1498571997\/responsivegrid_130352253\/contentfragment\/par27\/responsivegrid_copy_\/responsivegrid_copy\/responsivegrid\/image_copy_copy.coreimg.png\/1722889282439\/picto-demarrer-entreprise-bleu-100x100.png)\n\n**To learn more** Want to learn more about managing your family’s expenses? Check out our article: [Household budget planning: indispensable tips](https:\/\/www.nbc.ca\/personal\/advice\/budget\/following-a-family-budget.html).\n## How to save money when you’re in school?\n**23\\. Buy used textbooks.** Many academic institutions organize used book sales on their social networks or discussion forums, and school book stores will often buy your used books. You could also opt for digital versions of textbooks, which are generally less expensive than the paper versions.\n\n**24\\. Take advantage of student discounts.** Thanks to your student status, you may be able to get discounts or special rates on various products and services. Don’t forget to keep your student card on you\\!\n\n**25\\. Avoid getting takeout meals and limit your restaurant outings.** These bills add up quickly, so try hosting dinners with friends at home. You could also cook in larger quantities – it’s more economical – and freeze the extra portions.\n\n**26\\. Take advantage of free activities.** Many cities and towns offer free shows, exhibitions and cultural activities. It’s easy to have fun without spending a fortune\\!\n\n**27\\. Claim your [student tax credits](https:\/\/www.nbc.ca\/personal\/advice\/education\/student-tax-credit.html).** This credit is equivalent to 15% of your annual tuition fees at the federal level and 8% at the provincial level. When you file your [income tax return](https:\/\/www.nbc.ca\/personal\/advice\/taxes-and-income\/file-taxes-first-time-canada.html), don’t forget to claim the interest paid on your student loan, if you have one.\n\n**Example:** A student who pays \\$3,000 in tuition fees can earn up to \\$450 in credits.\n\n**28\\. Plan [a budget for your first apartment](https:\/\/www.nbc.ca\/personal\/advice\/education\/student-housing-costs.html)** if you’re thinking of moving out of your family home. This will help you better manage your housing costs.\n\n**29\\. Learn about scholarships and student loans.** Don’t have enough savings or money in your RESP to finance your studies? Explore scholarship options for your program or province. Alternatively, [a student loan may be a good solution](https:\/\/www.nbc.ca\/personal\/advice\/education\/student-loan.html). It’s still a loan, but the interest rate is relatively low.\n\n**30\\. Choose the right banking package.** No need to pay fees – if you’re between the ages of 18 and 24, [The Connected® chequing account](https:\/\/www.nbc.ca\/personal\/accounts\/youth.html) is available for \\$0\/month.\n\n[See our banking offer for ages 18 to 24](https:\/\/www.nbc.ca\/personal\/accounts\/youth.html)\n\n## How to save money on travel?\n**31\\. Support local tourism and go on adventures in your own province.** You don’t have to spend money flying overseas to experience your dream vacation.\n\n**32\\. Set up alerts on different airfare sites.** You’ll be notified when there’s a price drop on tickets you’re interested in.\n\n**33\\. Try a home exchange.** There are several platforms where you can swap accommodation with someone in a destination that interests you. If you’re after something a little more adventurous, couch surfing – free accommodation with locals – is also an option.\n\n**34\\. Change your cell phone plan or get a local SIM card.** To avoid roaming charges and high bills when visiting another province or country, review different options with your provider. Some packages offer more attractive travel rates and service fees. Alternatively, you could buy an eSIM card online that works for the region you’re visiting. This will give you access to data – and sometimes text messages and phone calls – for a fraction of the price.\n\n**35\\. Be flexible with your travel dates.** Consider different options, as moving the departure or return date by even a few days can have a big impact on the price.\n\n![Picto of a rocket](https:\/\/www.nbc.ca\/personal\/advice\/budget\/tips-on-saving-more\/_jcr_content\/root\/responsivegrid\/responsivegrid\/landmarks\/responsivegrid_1498571997\/responsivegrid_130352253\/contentfragment\/par42\/responsivegrid_copy_\/responsivegrid_copy\/responsivegrid\/image_copy_copy.coreimg.png\/1722889282439\/picto-demarrer-entreprise-bleu-100x100.png)\n\n**To learn more**   \n For more tips on how to save money when travelling, check out our article: [How to make a travel budget](https:\/\/www.nbc.ca\/personal\/advice\/budget\/helpful-travel-budget-tips.html).\n## How to save money on financial services and taxes?\n**36\\. Save money with [accelerated mortgage payments](https:\/\/www.nbc.ca\/personal\/mortgages\/pay-faster.html).** By accelerating your mortgage payments, you could save thousands of dollars in interest. Our [payment calculator](https:\/\/www.nbc.ca\/personal\/mortgages\/calculators\/payments.html) will help you figure out the best plan.\n\n![Picto of a light bulb with a money symbol](https:\/\/www.nbc.ca\/personal\/advice\/budget\/tips-on-saving-more\/_jcr_content\/root\/responsivegrid\/responsivegrid\/landmarks\/responsivegrid_1498571997\/responsivegrid_130352253\/contentfragment\/par44\/responsivegrid_copy_\/responsivegrid_copy\/responsivegrid\/image_copy_copy.coreimg.png\/1722889022303\/picto-solution-entreprise-65x66.png)\n\n**Good to know:** By paying an additional \\$2,000 per year on a \\$300,000 mortgage, at a fixed rate of 5% amortized over 25 years, you’ll pay \\$41,252 less in total interest. You’ll also pay off your mortgage sooner than expected.\n\n**37\\. Pay off your credit cards in full every month –** you could end up paying a lot in [interest](https:\/\/itools-ioutils.fcac-acfc.gc.ca\/CCPC-CPCC\/CCPC-CPCC-eng.aspx) otherwise (link to external site). A \\$2,000 purchase at 20% interest will cost you \\$4,240 if you only cover the minimum monthly payments. That’s more than double\\!\n\n**38\\. Shop around for home and car insurance whenever you renew a policy.** Premiums vary widely from one insurer to another. Do your homework before you renew and shop around. You could also reduce your premium by bundling all your policies with the same insurance company.\n\n**39\\. Take advantage of your employer’s [pension plan](https:\/\/www.nbc.ca\/personal\/retirement\/learn-about-pension-plans.html).** These plans are usually worthwhile because your employer contributes to them too. A group RRSP in which your employer makes additional contributions is another great option.\n\n**40\\. Split your pension income with your spouse.** If you’re retired, consider [splitting your pension income](https:\/\/www.nbc.ca\/personal\/advice\/retirement\/pension-income-splitting-questions-answers.html). This means allocating a portion of your income to your partner to maximize your tax efficiency: if you have the higher income, moving to a lower tax bracket will mean you’ll [pay less tax](https:\/\/www.nbc.ca\/personal\/advice\/retirement\/plan-for-retirement-savings.html) as a couple. Age requirements may vary from province to province, so it’s worth [reading up more](https:\/\/www.nbc.ca\/personal\/advice\/retirement\/pension-income-splitting-questions-answers.html).\n\nThere are plenty of ways to save without sacrificing too much. Start with the tips that seem easiest to adopt today, and use that money to set up a systematic savings plan. Remember: little by little, a little becomes a lot. The sooner you start, the sooner you can carry out [projects that are close to your heart](https:\/\/www.nbc.ca\/personal\/finance\/personal.html).\n\n[Don’t hesitate to make an appointment with one of our specialists.](https:\/\/www.nbc.ca\/tools-apps\/meeting-request.html)\n\n### Legal disclaimer\nAny reproduction, in whole or in part, is strictly prohibited without the prior written consent of National Bank of Canada.\n\nThe articles and information on this website are protected by the copyright laws in effect in Canada or other countries, as applicable. The copyrights on the articles and information belong to the National Bank of Canada or other persons. Any reproduction, redistribution, electronic communication, including indirectly via a hyperlink, in whole or in part, of these articles and information and any other use thereof that is not explicitly authorized is prohibited without the prior written consent of the copyright owner.\n\nThe contents of this website must not be interpreted, considered or used as if it were financial, legal, fiscal, or other advice. National Bank and its partners in contents will not be liable for any damages that you may incur from such use.\n\nThis article is provided by National Bank, its subsidiaries and group entities for information purposes only, and creates no legal or contractual obligation for National Bank, its subsidiaries and group entities. The details of this service offering and the conditions herein are subject to change.\n\nThe hyperlinks in this article may redirect to external websites not administered by National Bank. The Bank cannot be held liable for the content of external websites or any damages caused by their use.\n\nViews expressed in this article are those of the person being interviewed. They do not necessarily reflect the opinions of National Bank or its subsidiaries. For financial or business advice, please consult your National Bank advisor, financial planner or an industry professional (e.g., accountant, tax specialist or lawyer).\n\nTags :\n\n[Budget](https:\/\/www.nbc.ca\/personal\/advice\/budget.html)\n\n## Related articles\n- [![Engineering professionals](https:\/\/www.nbc.ca\/content\/dam\/fragment\/images\/img-avantages-professions-1020x680.jpg) Learn about the benefits available to clients in over 150 professions What if your professional expertise gave you access to incredible banking offers? 20 November 2025](https:\/\/www.nbc.ca\/personal\/advice\/budget\/benefits-available-professions.html)\n- [![Drawing of a grocery cart](https:\/\/www.nbc.ca\/content\/dam\/fragment\/images\/img-marge-vs-pret-article.jpg) The differences between a personal line of credit and a personal loan Discover the key differences between a line of credit and a personal loan to make informed financial decisions that suit your needs. 22 September 2025](https:\/\/www.nbc.ca\/personal\/advice\/budget\/personal-loan-and-line-of-credit.html)\n- [![Image for the article on how to make a budget of a man at his desk doing his budget](https:\/\/www.nbc.ca\/content\/dam\/fragment\/images\/img-comment-faire-un-budget-1020x680.jpg) How to make a personal budget A budget is an excellent tool for ensuring good financial health. Make your personal budget easily by following these 6 steps. 07 July 2025](https:\/\/www.nbc.ca\/personal\/advice\/budget\/creating-a-personal-budget.html)\n\n### Categories\n- [All featured articles](https:\/\/www.nbc.ca\/personal\/advice\/all-articles.html)\n- [Bank security & cybersecurity](https:\/\/www.nbc.ca\/personal\/advice\/security.html)\n- [Banking](https:\/\/www.nbc.ca\/personal\/advice\/banking.html)\n- [Budget](https:\/\/www.nbc.ca\/personal\/advice\/budget.html)\n- [Career](https:\/\/www.nbc.ca\/personal\/advice\/career.html)\n- [Credit and debt management](https:\/\/www.nbc.ca\/personal\/advice\/credit.html)\n- [Economic Impact](https:\/\/www.nbc.ca\/personal\/advice\/economic-impact.html)\n- [Education: resources and advice](https:\/\/www.nbc.ca\/personal\/advice\/education.html)\n- [Financial advice for immigrating and settling in Canada](https:\/\/www.nbc.ca\/personal\/advice\/immigration.html)\n- [Home](https:\/\/www.nbc.ca\/personal\/advice\/home.html)\n- 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budget](https:\/\/www.nbc.ca\/content\/dam\/fragment\/images\/img-comment-faire-un-budget-1020x680.jpg) How to make a personal budget 07 July 2025](https:\/\/www.nbc.ca\/personal\/advice\/budget\/creating-a-personal-budget.html)\n\n**Useful links**\n\n[Change of address](https:\/\/www.nbc.ca\/contact-us.html#accordion-0f532eb1ae-item-a2ff122d6e)\n\n[Complaint settlement](https:\/\/www.nbc.ca\/about-us\/governance\/complaint-settlement.html)\n\n[Exchange rates](https:\/\/www.nbc.ca\/rates\/exchange-rates.html)\n\n[Interest rates](https:\/\/www.nbc.ca\/rates.html)\n\n**Help and contact**\n\n[Contact us](https:\/\/www.nbc.ca\/contact-us.html)\n\n[Find a branch](https:\/\/locator.nbc.ca\/)\n\n[Make an appointment](https:\/\/www.nbc.ca\/bin\/getBookingUrlWeb.html)\n\n[Help Centre](https:\/\/www.nbc.ca\/personal\/help-centre.html)\n\n**ABCs of security**\n\n[Privacy and security](https:\/\/www.nbc.ca\/abcs-of-security.html)\n\n[Fraud 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All rights reserved 2026.  \n The NATIONAL BANK logo and BUILD SOMETHING. are trademarks of National Bank of Canada.\n\n![National Bank small logo](https:\/\/www.nbc.ca\/content\/dam\/bnc\/particuliers\/picto\/picto-logo-bn-24x22.svg)\n\nUseful links\n\n[Change of address](https:\/\/www.nbc.ca\/contact-us.html#accordion-0f532eb1ae-item-a2ff122d6e)\n\n[Complaint settlement](https:\/\/www.nbc.ca\/about-us\/governance\/complaint-settlement.html)\n\n[Exchange rates](https:\/\/www.nbc.ca\/rates\/exchange-rates.html)\n\n[Interest rates](https:\/\/www.nbc.ca\/rates.html)\n\nHelp and contact\n\n[Contact us](https:\/\/www.nbc.ca\/contact-us.html)\n\n[Find a branch](https:\/\/locator.nbc.ca\/)\n\n[Make an appointment](https:\/\/www.nbc.ca\/bin\/getBookingUrlWeb.html)\n\n[Help Centre](https:\/\/www.nbc.ca\/personal\/help-centre.html)\n\nABCs of security\n\n[Privacy and security](https:\/\/www.nbc.ca\/abcs-of-security.html)\n\n[Fraud prevention](https:\/\/www.nbc.ca\/abcs-of-security\/fraud.html)\n\n[Privacy policy](https:\/\/www.nbc.ca\/privacy-policy.html)\n\n[Digital data policy](https:\/\/www.nbc.ca\/privacy-policy\/digital-data-policy.html)\n\n[Identity theft and fraud prevention](https:\/\/www.nbc.ca\/abcs-of-security\/securizone.html)\n\n[Report wrongdoing](https:\/\/www.nbc.ca\/about-us\/governance\/complaint-settlement\/report-wrongdoing.html)\n\n[Lost or stolen card](https:\/\/www.nbc.ca\/personal\/help-centre\/security-support\/lost-stolen.html)\n\nSubsidiaries\n\n[National Bank Trust](https:\/\/www.nbc.ca\/wealth-management.html)\n\n[National Bank Investments](https:\/\/www.nbinvestments.ca\/home.html)\n\n[Natbank](https:\/\/www.nbc.ca\/natbank\/personal.html)\n\n[National Bank Financial](https:\/\/www.nbfwm.ca\/home.html)\n\nDivisions of National Bank Financial\n\n[National Bank Direct Brokerage](https:\/\/nbdb.ca\/home.html)\n\n[Private Banking 1859](https:\/\/www.privatebanking1859.ca\/home.html)\n\n[National Bank Independent Network](https:\/\/www.nbin.ca\/publicsite\/index.html)\n\nNews\n\n[Press releases](https:\/\/www.nbc.ca\/about-us\/news-media\/press-release.html)\n\n[Financial news](https:\/\/www.nbc.ca\/about-us\/news-media\/financial-news.html)\n\n[Important notices - Personal](https:\/\/www.nbc.ca\/personal\/notice.html)\n\n[Important notices - Business](https:\/\/www.nbc.ca\/business\/important-notices.html)\n\nCareers\n\n[Life at National Bank](https:\/\/emplois.bnc.ca\/en_CA\/careers\/banklife)\n\n[All Jobs](https:\/\/emplois.bnc.ca\/en_CA\/careers\/searchjobs)\n\n[Students and Internships](https:\/\/emplois.bnc.ca\/en_CA\/careers\/studentsandintership)\n\n[![Facebook logo](https:\/\/www.nbc.ca\/content\/dam\/bnc\/particuliers\/picto\/picto-social-facebook.svg)](https:\/\/www.facebook.com\/nationalbanknetworks)  [![Twitter logo](https:\/\/www.nbc.ca\/content\/dam\/bnc\/particuliers\/picto\/picto-social-twitter.svg)](https:\/\/twitter.com\/nationalbank\/)  [![Youtube logo](https:\/\/www.nbc.ca\/content\/dam\/bnc\/particuliers\/picto\/picto-social-youtube.svg)](https:\/\/www.youtube.com\/c\/nationalbankofcanada)  [![LinkedIn logo](https:\/\/www.nbc.ca\/content\/dam\/bnc\/particuliers\/picto\/picto-social-linkedin.svg)](https:\/\/www.linkedin.com\/company\/national-bank-of-canada\/)   [![Instagram logo](https:\/\/www.nbc.ca\/content\/dam\/bnc\/particuliers\/picto\/picto-social-instagram.svg)](https:\/\/www.instagram.com\/nationalbankofcanada\/)\n\n[Terms of use](https:\/\/www.nbc.ca\/terms-of-use.html) \\| [Accessibility plan](https:\/\/www.nbc.ca\/about-us\/esg\/accessibility-standards.html) \\| [Accessibility Progress Report](https:\/\/www.nbc.ca\/about-us\/esg\/accessibility-progress-report.html) \\| [Accessibility feedback process](https:\/\/www.nbc.ca\/about-us\/esg\/accessibility-standards.html#2.2)\n\n© NATIONAL BANK OF CANADA. All rights reserved 2026.  \n The NATIONAL BANK logo and BUILD SOMETHING. are trademarks of National Bank of Canada.\n\n![National Bank small logo](https:\/\/www.nbc.ca\/content\/dam\/bnc\/particuliers\/picto\/picto-logo-bn-24x22.png)","attrs_readable_markdown":"## How to save money in your day-to-day life?\n**1\\. Avoid impulse purchases – take the time to think it through and make a [personal budget](https:\/\/www.nbc.ca\/personal\/advice\/budget\/creating-a-personal-budget.html).** Wait 24 hours or a few days before making a purchase. This will help you distinguish between your wants and your needs, put spending limits in place and make it easier to [consume responsibly](https:\/\/www.nbc.ca\/personal\/advice\/budget\/consume-responsibly.html).\n\n**2\\. Reduce your utility bills by adopting good habits.** Heating accounts for most of your electricity costs. If you’re leaving for the day, turn down the thermostat by a few degrees (you can do the same thing at night). Smart thermostats are also a good investment.\n\n![Picto of a light bulb with a money symbol](https:\/\/www.nbc.ca\/personal\/advice\/budget\/tips-on-saving-more\/_jcr_content\/root\/responsivegrid\/responsivegrid\/landmarks\/responsivegrid_1498571997\/responsivegrid_130352253\/contentfragment\/par3\/responsivegrid_copy_\/responsivegrid_copy\/responsivegrid\/image_copy_copy.coreimg.png\/1722889022303\/picto-solution-entreprise-65x66.png)\n\n**Good to know:** Your water heater can consume up to 20% of your annual electricity bill. Reduce your energy costs by washing your clothes in cold water with a detergent formulated for this purpose.\n\n**3\\. Buy house brands. They’re cheaper than well-known brands** and often just as high quality.\n\n**4\\. For [renovation projects](https:\/\/www.nbc.ca\/personal\/advice\/home\/tips-for-making-a-renovation-budget.html), rent the tools that you won’t be using very often.** Not only is it more economical, it also means less clutter in your home.\n\n**5\\. Make your coffee at home rather than buying it at a coffee shop.** It doesn’t take much effort and you’ll save money without even realizing it.\n\n## How to save money at the grocery store?\n**6\\. Go grocery shopping after a meal or have a snack just before –** people who go to the supermarket on an empty stomach tend to buy more.\n\n**7\\. [Make a monthly budget and prepare your shopping list](https:\/\/www.nbc.ca\/personal\/advice\/budget\/how-to-make-a-monthly-food-budget.html) by browsing online flyers for discounts.** Some apps can also do the work for you and suggest the best buys.\n\n**8\\. Compare prices by weight to find the best price\/quantity value.** This information can be found on the labels displayed on supermarket shelves and is very handy for comparing products.\n\n**9\\. Don’t buy prepared products**. Pre-cut vegetables or grated cheese cost a lot more. Get out your knives and grater and start saving\\!\n\n**10\\. Reduce your meat consumption.** Meat is expensive. Start with one or two meat-free meals a week and gradually replace it with plant proteins such as beans and other legumes.\n\n## How to save money on transportation?\n**11\\. Travel by bike whenever possible.** This is a great way to save on transportation costs and get some exercise while you’re at it. If you don’t own a bike, bike-sharing is available in certain towns and cities.\n\n![Picto of a locker](https:\/\/www.nbc.ca\/personal\/advice\/budget\/tips-on-saving-more\/_jcr_content\/root\/responsivegrid\/responsivegrid\/landmarks\/responsivegrid_1498571997\/responsivegrid_130352253\/contentfragment\/par14\/responsivegrid_copy_\/responsivegrid_copy\/responsivegrid\/image_copy_copy.coreimg.svg\/1722889117351\/picto-strong-password.svg)\n\n**Pro tip:** Find you’re using your vehicle less often? Notify your insurance provider and your car insurance premium could be reduced.\n\n**12\\. Ride with other people.** Whether it means using public transit or carpooling with coworkers, it’s more responsible and economical than driving alone. You could also try car-sharing applications, which allow drivers to pick up additional passengers.\n\n**13\\. Before buying a car, use an online comparison tool to find a less expensive model.** What about a [hybrid or electric vehicle](https:\/\/www.nbc.ca\/personal\/advice\/budget\/benefit-electric-car.html)? They’re more expensive to buy, but you’ll save on gas in the long run.\n\n**14\\. Slow down to reduce your fuel consumption.** Did you know that driving at 100 km\/h on the highway instead of 120 km\/h saves fuel? Try applying other principles of fuel-efficient driving – avoiding sudden acceleration or easing off the gas pedal to slow down instead of using your brakes – and you’ll start to see positive effects on your gas costs.\n\n## How to save money on internet, TV and cell phone bills?\n**15\\. Review your bills to see if you’re paying for unnecessary services.** Do you really need all those TV channels and streaming services? Getting rid of the ones you only use occasionally could save you tens of dollars every month. You could also subscribe to different platforms on a rotating basis.\n\n![Picto of a locker](https:\/\/www.nbc.ca\/personal\/advice\/budget\/tips-on-saving-more\/_jcr_content\/root\/responsivegrid\/responsivegrid\/landmarks\/responsivegrid_1498571997\/responsivegrid_130352253\/contentfragment\/par19\/responsivegrid_copy_\/responsivegrid_copy\/responsivegrid\/image_copy_copy.coreimg.svg\/1722889117351\/picto-strong-password.svg)\n\n**Pro tip:** If you spend a lot of time at home using Wi-Fi, chances are your mobile data needs are lower. Check out the details of your cell phone plan to see if another one might be better for you.\n\n**16\\. Renegotiate your cell phone plan regularly.** Sometimes all you have to do is ask for a discount and they’ll give it to you.\n\n**17\\. Buy a second-hand cell phone or keep your current one for as long as possible.** New phones are very expensive. Resist the temptation to upgrade to the latest version and keep the one you have for longer. You could also find a used phone at a fraction of the price online.\n\n**18\\. Bundle your services.** By combining your internet, telephone and TV subscriptions into a single bill with one provider, you could save a lot of money.\n\n## How to save money on your kids’ expenses?\n**19\\. Give homemade gifts or second-hand toys.** Not only is it good for your wallet, it’s also good for the planet.\n\n**20\\. Buy clothes at thrift stores.** Kids grow up fast, so why buy new clothes when they’ll only be worn for a few months? Whether you go to a second-hand clothing store or thrift store online, you’ll find pieces for much less.\n\n**21\\. Rent your sports equipment.** A number of specialty stores offer inexpensive year-round rentals and will even give you credit in exchange for equipment your kids have outgrown.\n\n**22\\. [Contribute to a Registered Education Savings Plan (RESP)](https:\/\/www.nbc.ca\/personal\/savings-investments\/resp.html).** The money set aside will grow tax-free, plus you’ll also be eligible for government grants, which will reduce the cost of your child’s post-secondary education.\n\n![Picto of a rocket](https:\/\/www.nbc.ca\/personal\/advice\/budget\/tips-on-saving-more\/_jcr_content\/root\/responsivegrid\/responsivegrid\/landmarks\/responsivegrid_1498571997\/responsivegrid_130352253\/contentfragment\/par27\/responsivegrid_copy_\/responsivegrid_copy\/responsivegrid\/image_copy_copy.coreimg.png\/1722889282439\/picto-demarrer-entreprise-bleu-100x100.png)\n\n## How to save money when you’re in school?\n**23\\. Buy used textbooks.** Many academic institutions organize used book sales on their social networks or discussion forums, and school book stores will often buy your used books. You could also opt for digital versions of textbooks, which are generally less expensive than the paper versions.\n\n**24\\. Take advantage of student discounts.** Thanks to your student status, you may be able to get discounts or special rates on various products and services. Don’t forget to keep your student card on you\\!\n\n**25\\. Avoid getting takeout meals and limit your restaurant outings.** These bills add up quickly, so try hosting dinners with friends at home. You could also cook in larger quantities – it’s more economical – and freeze the extra portions.\n\n**26\\. Take advantage of free activities.** Many cities and towns offer free shows, exhibitions and cultural activities. It’s easy to have fun without spending a fortune\\!\n\n**27\\. Claim your [student tax credits](https:\/\/www.nbc.ca\/personal\/advice\/education\/student-tax-credit.html).** This credit is equivalent to 15% of your annual tuition fees at the federal level and 8% at the provincial level. When you file your [income tax return](https:\/\/www.nbc.ca\/personal\/advice\/taxes-and-income\/file-taxes-first-time-canada.html), don’t forget to claim the interest paid on your student loan, if you have one.\n\n**Example:** A student who pays \\$3,000 in tuition fees can earn up to \\$450 in credits.\n\n**28\\. Plan [a budget for your first apartment](https:\/\/www.nbc.ca\/personal\/advice\/education\/student-housing-costs.html)** if you’re thinking of moving out of your family home. This will help you better manage your housing costs.\n\n**29\\. Learn about scholarships and student loans.** Don’t have enough savings or money in your RESP to finance your studies? Explore scholarship options for your program or province. Alternatively, [a student loan may be a good solution](https:\/\/www.nbc.ca\/personal\/advice\/education\/student-loan.html). It’s still a loan, but the interest rate is relatively low.\n\n**30\\. Choose the right banking package.** No need to pay fees – if you’re between the ages of 18 and 24, [The Connected® chequing account](https:\/\/www.nbc.ca\/personal\/accounts\/youth.html) is available for \\$0\/month.\n\n## How to save money on travel?\n**31\\. Support local tourism and go on adventures in your own province.** You don’t have to spend money flying overseas to experience your dream vacation.\n\n**32\\. Set up alerts on different airfare sites.** You’ll be notified when there’s a price drop on tickets you’re interested in.\n\n**33\\. Try a home exchange.** There are several platforms where you can swap accommodation with someone in a destination that interests you. If you’re after something a little more adventurous, couch surfing – free accommodation with locals – is also an option.\n\n**34\\. Change your cell phone plan or get a local SIM card.** To avoid roaming charges and high bills when visiting another province or country, review different options with your provider. Some packages offer more attractive travel rates and service fees. Alternatively, you could buy an eSIM card online that works for the region you’re visiting. This will give you access to data – and sometimes text messages and phone calls – for a fraction of the price.\n\n**35\\. Be flexible with your travel dates.** Consider different options, as moving the departure or return date by even a few days can have a big impact on the price.\n\n![Picto of a rocket](https:\/\/www.nbc.ca\/personal\/advice\/budget\/tips-on-saving-more\/_jcr_content\/root\/responsivegrid\/responsivegrid\/landmarks\/responsivegrid_1498571997\/responsivegrid_130352253\/contentfragment\/par42\/responsivegrid_copy_\/responsivegrid_copy\/responsivegrid\/image_copy_copy.coreimg.png\/1722889282439\/picto-demarrer-entreprise-bleu-100x100.png)\n\n## How to save money on financial services and taxes?\n**36\\. Save money with [accelerated mortgage payments](https:\/\/www.nbc.ca\/personal\/mortgages\/pay-faster.html).** By accelerating your mortgage payments, you could save thousands of dollars in interest. Our [payment calculator](https:\/\/www.nbc.ca\/personal\/mortgages\/calculators\/payments.html) will help you figure out the best plan.\n\n![Picto of a light bulb with a money symbol](https:\/\/www.nbc.ca\/personal\/advice\/budget\/tips-on-saving-more\/_jcr_content\/root\/responsivegrid\/responsivegrid\/landmarks\/responsivegrid_1498571997\/responsivegrid_130352253\/contentfragment\/par44\/responsivegrid_copy_\/responsivegrid_copy\/responsivegrid\/image_copy_copy.coreimg.png\/1722889022303\/picto-solution-entreprise-65x66.png)\n\n**Good to know:** By paying an additional \\$2,000 per year on a \\$300,000 mortgage, at a fixed rate of 5% amortized over 25 years, you’ll pay \\$41,252 less in total interest. You’ll also pay off your mortgage sooner than expected.\n\n**37\\. Pay off your credit cards in full every month –** you could end up paying a lot in [interest](https:\/\/itools-ioutils.fcac-acfc.gc.ca\/CCPC-CPCC\/CCPC-CPCC-eng.aspx) otherwise (link to external site). A \\$2,000 purchase at 20% interest will cost you \\$4,240 if you only cover the minimum monthly payments. That’s more than double\\!\n\n**38\\. Shop around for home and car insurance whenever you renew a policy.** Premiums vary widely from one insurer to another. Do your homework before you renew and shop around. You could also reduce your premium by bundling all your policies with the same insurance company.\n\n**39\\. Take advantage of your employer’s [pension plan](https:\/\/www.nbc.ca\/personal\/retirement\/learn-about-pension-plans.html).** These plans are usually worthwhile because your employer contributes to them too. A group RRSP in which your employer makes additional contributions is another great option.\n\n**40\\. Split your pension income with your spouse.** If you’re retired, consider [splitting your pension income](https:\/\/www.nbc.ca\/personal\/advice\/retirement\/pension-income-splitting-questions-answers.html). This means allocating a portion of your income to your partner to maximize your tax efficiency: if you have the higher income, moving to a lower tax bracket will mean you’ll [pay less tax](https:\/\/www.nbc.ca\/personal\/advice\/retirement\/plan-for-retirement-savings.html) as a couple. Age requirements may vary from province to province, so it’s worth [reading up more](https:\/\/www.nbc.ca\/personal\/advice\/retirement\/pension-income-splitting-questions-answers.html).\n\nThere are plenty of ways to save without sacrificing too much. Start with the tips that seem easiest to adopt today, and use that money to set up a systematic savings plan. Remember: little by little, a little becomes a lot. The sooner you start, the sooner you can carry out [projects that are close to your heart](https:\/\/www.nbc.ca\/personal\/finance\/personal.html).\n\n[Don’t hesitate to make an appointment with one of our specialists.](https:\/\/www.nbc.ca\/tools-apps\/meeting-request.html)","meta_canonical":null}

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Boilerpipe Text	How to save money in your day-to-day life? 1. Avoid impulse purchases – take the time to think it through and make a personal budget . Wait 24 hours or a few days before making a purchase. This will help you distinguish between your wants and your needs, put spending limits in place and make it easier to consume responsibly . 2. Reduce your utility bills by adopting good habits. Heating accounts for most of your electricity costs. If you’re leaving for the day, turn down the thermostat by a few degrees (you can do the same thing at night). Smart thermostats are also a good investment. Good to know: Your water heater can consume up to 20% of your annual electricity bill. Reduce your energy costs by washing your clothes in cold water with a detergent formulated for this purpose. 3. Buy house brands. They’re cheaper than well-known brands and often just as high quality. 4. For renovation projects , rent the tools that you won’t be using very often. Not only is it more economical, it also means less clutter in your home. 5. Make your coffee at home rather than buying it at a coffee shop. It doesn’t take much effort and you’ll save money without even realizing it. How to save money at the grocery store? 6. Go grocery shopping after a meal or have a snack just before – people who go to the supermarket on an empty stomach tend to buy more. 7. Make a monthly budget and prepare your shopping list by browsing online flyers for discounts. Some apps can also do the work for you and suggest the best buys. 8. Compare prices by weight to find the best price/quantity value. This information can be found on the labels displayed on supermarket shelves and is very handy for comparing products. 9. Don’t buy prepared products . Pre-cut vegetables or grated cheese cost a lot more. Get out your knives and grater and start saving! 10. Reduce your meat consumption. Meat is expensive. Start with one or two meat-free meals a week and gradually replace it with plant proteins such as beans and other legumes. How to save money on transportation? 11. Travel by bike whenever possible. This is a great way to save on transportation costs and get some exercise while you’re at it. If you don’t own a bike, bike-sharing is available in certain towns and cities. Pro tip: Find you’re using your vehicle less often? Notify your insurance provider and your car insurance premium could be reduced. 12. Ride with other people. Whether it means using public transit or carpooling with coworkers, it’s more responsible and economical than driving alone. You could also try car-sharing applications, which allow drivers to pick up additional passengers. 13. Before buying a car, use an online comparison tool to find a less expensive model. What about a hybrid or electric vehicle ? They’re more expensive to buy, but you’ll save on gas in the long run. 14. Slow down to reduce your fuel consumption. Did you know that driving at 100 km/h on the highway instead of 120 km/h saves fuel? Try applying other principles of fuel-efficient driving – avoiding sudden acceleration or easing off the gas pedal to slow down instead of using your brakes – and you’ll start to see positive effects on your gas costs. How to save money on internet, TV and cell phone bills? 15. Review your bills to see if you’re paying for unnecessary services. Do you really need all those TV channels and streaming services? Getting rid of the ones you only use occasionally could save you tens of dollars every month. You could also subscribe to different platforms on a rotating basis. Pro tip: If you spend a lot of time at home using Wi-Fi, chances are your mobile data needs are lower. Check out the details of your cell phone plan to see if another one might be better for you. 16. Renegotiate your cell phone plan regularly. Sometimes all you have to do is ask for a discount and they’ll give it to you. 17. Buy a second-hand cell phone or keep your current one for as long as possible. New phones are very expensive. Resist the temptation to upgrade to the latest version and keep the one you have for longer. You could also find a used phone at a fraction of the price online. 18. Bundle your services. By combining your internet, telephone and TV subscriptions into a single bill with one provider, you could save a lot of money. How to save money on your kids’ expenses? 19. Give homemade gifts or second-hand toys. Not only is it good for your wallet, it’s also good for the planet. 20. Buy clothes at thrift stores. Kids grow up fast, so why buy new clothes when they’ll only be worn for a few months? Whether you go to a second-hand clothing store or thrift store online, you’ll find pieces for much less. 21. Rent your sports equipment. A number of specialty stores offer inexpensive year-round rentals and will even give you credit in exchange for equipment your kids have outgrown. 22. Contribute to a Registered Education Savings Plan (RESP) . The money set aside will grow tax-free, plus you’ll also be eligible for government grants, which will reduce the cost of your child’s post-secondary education. How to save money when you’re in school? 23. Buy used textbooks. Many academic institutions organize used book sales on their social networks or discussion forums, and school book stores will often buy your used books. You could also opt for digital versions of textbooks, which are generally less expensive than the paper versions. 24. Take advantage of student discounts. Thanks to your student status, you may be able to get discounts or special rates on various products and services. Don’t forget to keep your student card on you! 25. Avoid getting takeout meals and limit your restaurant outings. These bills add up quickly, so try hosting dinners with friends at home. You could also cook in larger quantities – it’s more economical – and freeze the extra portions. 26. Take advantage of free activities. Many cities and towns offer free shows, exhibitions and cultural activities. It’s easy to have fun without spending a fortune! 27. Claim your student tax credits . This credit is equivalent to 15% of your annual tuition fees at the federal level and 8% at the provincial level. When you file your income tax return , don’t forget to claim the interest paid on your student loan, if you have one. Example: A student who pays $3,000 in tuition fees can earn up to $450 in credits. 28. Plan a budget for your first apartment if you’re thinking of moving out of your family home. This will help you better manage your housing costs. 29. Learn about scholarships and student loans. Don’t have enough savings or money in your RESP to finance your studies? Explore scholarship options for your program or province. Alternatively, a student loan may be a good solution . It’s still a loan, but the interest rate is relatively low. 30. Choose the right banking package. No need to pay fees – if you’re between the ages of 18 and 24, The Connected ® chequing account is available for $0/month. How to save money on travel? 31. Support local tourism and go on adventures in your own province. You don’t have to spend money flying overseas to experience your dream vacation. 32. Set up alerts on different airfare sites. You’ll be notified when there’s a price drop on tickets you’re interested in. 33. Try a home exchange. There are several platforms where you can swap accommodation with someone in a destination that interests you. If you’re after something a little more adventurous, couch surfing – free accommodation with locals – is also an option. 34. Change your cell phone plan or get a local SIM card. To avoid roaming charges and high bills when visiting another province or country, review different options with your provider. Some packages offer more attractive travel rates and service fees. Alternatively, you could buy an eSIM card online that works for the region you’re visiting. This will give you access to data – and sometimes text messages and phone calls – for a fraction of the price. 35. Be flexible with your travel dates. Consider different options, as moving the departure or return date by even a few days can have a big impact on the price. How to save money on financial services and taxes? 36. Save money with accelerated mortgage payments . By accelerating your mortgage payments, you could save thousands of dollars in interest. Our payment calculator will help you figure out the best plan. Good to know: By paying an additional $2,000 per year on a $300,000 mortgage, at a fixed rate of 5% amortized over 25 years, you’ll pay $41,252 less in total interest. You’ll also pay off your mortgage sooner than expected. 37. Pay off your credit cards in full every month – you could end up paying a lot in interest otherwise (link to external site). A $2,000 purchase at 20% interest will cost you $4,240 if you only cover the minimum monthly payments. That’s more than double! 38. Shop around for home and car insurance whenever you renew a policy. Premiums vary widely from one insurer to another. Do your homework before you renew and shop around. You could also reduce your premium by bundling all your policies with the same insurance company. 39. Take advantage of your employer’s pension plan . These plans are usually worthwhile because your employer contributes to them too. A group RRSP in which your employer makes additional contributions is another great option. 40. Split your pension income with your spouse. If you’re retired, consider splitting your pension income . This means allocating a portion of your income to your partner to maximize your tax efficiency: if you have the higher income, moving to a lower tax bracket will mean you’ll pay less tax as a couple. Age requirements may vary from province to province, so it’s worth reading up more . There are plenty of ways to save without sacrificing too much. Start with the tips that seem easiest to adopt today, and use that money to set up a systematic savings plan. Remember: little by little, a little becomes a lot. The sooner you start, the sooner you can carry out projects that are close to your heart . Don’t hesitate to make an appointment with one of our specialists.
Markdown	- Go to page content - Go to main menu - Sign in to my account - [Personal](https://www.nbc.ca/personal.html) - [Business](https://www.nbc.ca/business.html) - [Wealth Management](https://www.nbc.ca/wealth-management.html) - [About Us](https://www.nbc.ca/about-us.html) - Search - [Help](https://www.nbc.ca/contact-us.html) - [Fr](https://www.nbc.ca/bin/switchLanguage?lang=Fr&p=b29aab78e3e54a9ed3aad3c719800f62050de782b58a0acfc30aa890d244a712d322c607774fd8236458ddb4d44ecd7d0cf664443e1902e48a26723e74587534b1004be8fcd51726dbd3495e5efee7218ee2a795abfdc14e0716b899ec189bf6) - Become a client - [Personal](https://www.nbc.ca/personal/switch-national-bank.html) - [Business](https://www.nbc.ca/business/accounts.html) - Sign in Online transactions - [Personal](https://app.bnc.ca/?lang=en) - [Business](https://commercial.bnc.ca/app/business-banking/en-CA/redirections) - [Direct Brokerage](https://client.bnc.ca/nbdb/login) - [National Bank Financial](https://client.bnc.ca/nbfwm/login) - [Natbank](https://web13.secureinternetbank.com/pbi_pbi1151/login/067091764) - [Group Retirement Plans](https://nbtmyretirement.com/) - [Private Banking 1859](https://client.bnc.ca/pb1859/login) [![National Bank](https://www.nbc.ca/content/dam/bnc/commun/logo/logo-nbc-155x50.svg)](https://www.nbc.ca/) - [Bank accounts](https://www.nbc.ca/personal/accounts.html) - [Credit cards](https://www.nbc.ca/personal/mastercard-credit-cards.html) - [Borrowing](https://www.nbc.ca/personal/borrowing.html) - [Mortgages](https://www.nbc.ca/personal/mortgages.html) - [Savings and investments](https://www.nbc.ca/personal/savings-investments.html) - [Insurance](https://www.nbc.ca/personal/insurance.html) - [Advice](https://www.nbc.ca/personal/advice.html) Sign in Online transactions - [Personal](https://app.bnc.ca/?lang=en) - [Business](https://commercial.bnc.ca/app/business-banking/en-CA/redirections) - [Direct Brokerage](https://client.bnc.ca/nbdb/login) - [National Bank Financial](https://client.bnc.ca/nbfwm/login) - [Natbank](https://web13.secureinternetbank.com/pbi_pbi1151/login/067091764) - [Group Retirement Plans](https://nbtmyretirement.com/) - [Private Banking 1859](https://client.bnc.ca/pb1859/login) Close # 40 tips to help you save money 05 September 2025 by National Bank ![Image for an article on 40 tips to save money, showing a family having breakfast. ](https://www.nbc.ca/content/dam/fragment/images/img-40-truc-ecomomiser.jpg) Has your financial situation recently changed? Maybe you’re trying to save for a big project? It’s never a bad time to review your budget and develop good saving and spending habits. Here are 40 of our best tips for putting more money aside. In this article: - [How to save money in your day-to-day life?](https://www.nbc.ca/personal/advice/budget/tips-on-saving-more.html#p1) - [How to save money at the grocery store?](https://www.nbc.ca/personal/advice/budget/tips-on-saving-more.html#p2) - [How to save money on transportation?](https://www.nbc.ca/personal/advice/budget/tips-on-saving-more.html#p3) - [How to save money on internet, TV and cell phone bills?](https://www.nbc.ca/personal/advice/budget/tips-on-saving-more.html#p4) - [How to save money on your kids’ expenses?](https://www.nbc.ca/personal/advice/budget/tips-on-saving-more.html#p5) - [How to save money when you’re in school?](https://www.nbc.ca/personal/advice/budget/tips-on-saving-more.html#p6) - [How to save money on travel?](https://www.nbc.ca/personal/advice/budget/tips-on-saving-more.html#p7) - [How to save money on financial services and taxes?](https://www.nbc.ca/personal/advice/budget/tips-on-saving-more.html#p8) ## How to save money in your day-to-day life? 1\. Avoid impulse purchases – take the time to think it through and make a [personal budget](https://www.nbc.ca/personal/advice/budget/creating-a-personal-budget.html). Wait 24 hours or a few days before making a purchase. This will help you distinguish between your wants and your needs, put spending limits in place and make it easier to [consume responsibly](https://www.nbc.ca/personal/advice/budget/consume-responsibly.html). 2\. Reduce your utility bills by adopting good habits. Heating accounts for most of your electricity costs. If you’re leaving for the day, turn down the thermostat by a few degrees (you can do the same thing at night). Smart thermostats are also a good investment. ![Picto of a light bulb with a money symbol](https://www.nbc.ca/personal/advice/budget/tips-on-saving-more/_jcr_content/root/responsivegrid/responsivegrid/landmarks/responsivegrid_1498571997/responsivegrid_130352253/contentfragment/par3/responsivegrid_copy_/responsivegrid_copy/responsivegrid/image_copy_copy.coreimg.png/1722889022303/picto-solution-entreprise-65x66.png) Good to know: Your water heater can consume up to 20% of your annual electricity bill. Reduce your energy costs by washing your clothes in cold water with a detergent formulated for this purpose. 3\. Buy house brands. They’re cheaper than well-known brands and often just as high quality. 4\. For [renovation projects](https://www.nbc.ca/personal/advice/home/tips-for-making-a-renovation-budget.html), rent the tools that you won’t be using very often. Not only is it more economical, it also means less clutter in your home. 5\. Make your coffee at home rather than buying it at a coffee shop. It doesn’t take much effort and you’ll save money without even realizing it. ## How to save money at the grocery store? 6\. Go grocery shopping after a meal or have a snack just before – people who go to the supermarket on an empty stomach tend to buy more. 7\. [Make a monthly budget and prepare your shopping list](https://www.nbc.ca/personal/advice/budget/how-to-make-a-monthly-food-budget.html) by browsing online flyers for discounts. Some apps can also do the work for you and suggest the best buys. 8\. Compare prices by weight to find the best price/quantity value. This information can be found on the labels displayed on supermarket shelves and is very handy for comparing products. 9\. Don’t buy prepared products. Pre-cut vegetables or grated cheese cost a lot more. Get out your knives and grater and start saving\! 10\. Reduce your meat consumption. Meat is expensive. Start with one or two meat-free meals a week and gradually replace it with plant proteins such as beans and other legumes. ## How to save money on transportation? 11\. Travel by bike whenever possible. This is a great way to save on transportation costs and get some exercise while you’re at it. If you don’t own a bike, bike-sharing is available in certain towns and cities. ![Picto of a locker](https://www.nbc.ca/personal/advice/budget/tips-on-saving-more/_jcr_content/root/responsivegrid/responsivegrid/landmarks/responsivegrid_1498571997/responsivegrid_130352253/contentfragment/par14/responsivegrid_copy_/responsivegrid_copy/responsivegrid/image_copy_copy.coreimg.svg/1722889117351/picto-strong-password.svg) Pro tip: Find you’re using your vehicle less often? Notify your insurance provider and your car insurance premium could be reduced. 12\. Ride with other people. Whether it means using public transit or carpooling with coworkers, it’s more responsible and economical than driving alone. You could also try car-sharing applications, which allow drivers to pick up additional passengers. 13\. Before buying a car, use an online comparison tool to find a less expensive model. What about a [hybrid or electric vehicle](https://www.nbc.ca/personal/advice/budget/benefit-electric-car.html)? They’re more expensive to buy, but you’ll save on gas in the long run. 14\. Slow down to reduce your fuel consumption. Did you know that driving at 100 km/h on the highway instead of 120 km/h saves fuel? Try applying other principles of fuel-efficient driving – avoiding sudden acceleration or easing off the gas pedal to slow down instead of using your brakes – and you’ll start to see positive effects on your gas costs. ## How to save money on internet, TV and cell phone bills? 15\. Review your bills to see if you’re paying for unnecessary services. Do you really need all those TV channels and streaming services? Getting rid of the ones you only use occasionally could save you tens of dollars every month. You could also subscribe to different platforms on a rotating basis. ![Picto of a locker](https://www.nbc.ca/personal/advice/budget/tips-on-saving-more/_jcr_content/root/responsivegrid/responsivegrid/landmarks/responsivegrid_1498571997/responsivegrid_130352253/contentfragment/par19/responsivegrid_copy_/responsivegrid_copy/responsivegrid/image_copy_copy.coreimg.svg/1722889117351/picto-strong-password.svg) Pro tip: If you spend a lot of time at home using Wi-Fi, chances are your mobile data needs are lower. Check out the details of your cell phone plan to see if another one might be better for you. 16\. Renegotiate your cell phone plan regularly. Sometimes all you have to do is ask for a discount and they’ll give it to you. 17\. Buy a second-hand cell phone or keep your current one for as long as possible. New phones are very expensive. Resist the temptation to upgrade to the latest version and keep the one you have for longer. You could also find a used phone at a fraction of the price online. 18\. Bundle your services. By combining your internet, telephone and TV subscriptions into a single bill with one provider, you could save a lot of money. ## How to save money on your kids’ expenses? 19\. Give homemade gifts or second-hand toys. Not only is it good for your wallet, it’s also good for the planet. 20\. Buy clothes at thrift stores. Kids grow up fast, so why buy new clothes when they’ll only be worn for a few months? Whether you go to a second-hand clothing store or thrift store online, you’ll find pieces for much less. 21\. Rent your sports equipment. A number of specialty stores offer inexpensive year-round rentals and will even give you credit in exchange for equipment your kids have outgrown. 22\. [Contribute to a Registered Education Savings Plan (RESP)](https://www.nbc.ca/personal/savings-investments/resp.html). The money set aside will grow tax-free, plus you’ll also be eligible for government grants, which will reduce the cost of your child’s post-secondary education. ![Picto of a rocket](https://www.nbc.ca/personal/advice/budget/tips-on-saving-more/_jcr_content/root/responsivegrid/responsivegrid/landmarks/responsivegrid_1498571997/responsivegrid_130352253/contentfragment/par27/responsivegrid_copy_/responsivegrid_copy/responsivegrid/image_copy_copy.coreimg.png/1722889282439/picto-demarrer-entreprise-bleu-100x100.png) To learn more Want to learn more about managing your family’s expenses? Check out our article: [Household budget planning: indispensable tips](https://www.nbc.ca/personal/advice/budget/following-a-family-budget.html). ## How to save money when you’re in school? 23\. Buy used textbooks. Many academic institutions organize used book sales on their social networks or discussion forums, and school book stores will often buy your used books. You could also opt for digital versions of textbooks, which are generally less expensive than the paper versions. 24\. Take advantage of student discounts. Thanks to your student status, you may be able to get discounts or special rates on various products and services. Don’t forget to keep your student card on you\! 25\. Avoid getting takeout meals and limit your restaurant outings. These bills add up quickly, so try hosting dinners with friends at home. You could also cook in larger quantities – it’s more economical – and freeze the extra portions. 26\. Take advantage of free activities. Many cities and towns offer free shows, exhibitions and cultural activities. It’s easy to have fun without spending a fortune\! 27\. Claim your [student tax credits](https://www.nbc.ca/personal/advice/education/student-tax-credit.html). This credit is equivalent to 15% of your annual tuition fees at the federal level and 8% at the provincial level. When you file your [income tax return](https://www.nbc.ca/personal/advice/taxes-and-income/file-taxes-first-time-canada.html), don’t forget to claim the interest paid on your student loan, if you have one. Example: A student who pays \$3,000 in tuition fees can earn up to \$450 in credits. 28\. Plan [a budget for your first apartment](https://www.nbc.ca/personal/advice/education/student-housing-costs.html) if you’re thinking of moving out of your family home. This will help you better manage your housing costs. 29\. Learn about scholarships and student loans. Don’t have enough savings or money in your RESP to finance your studies? Explore scholarship options for your program or province. Alternatively, [a student loan may be a good solution](https://www.nbc.ca/personal/advice/education/student-loan.html). It’s still a loan, but the interest rate is relatively low. 30\. Choose the right banking package. No need to pay fees – if you’re between the ages of 18 and 24, [The Connected® chequing account](https://www.nbc.ca/personal/accounts/youth.html) is available for \$0/month. [See our banking offer for ages 18 to 24](https://www.nbc.ca/personal/accounts/youth.html) ## How to save money on travel? 31\. Support local tourism and go on adventures in your own province. You don’t have to spend money flying overseas to experience your dream vacation. 32\. Set up alerts on different airfare sites. You’ll be notified when there’s a price drop on tickets you’re interested in. 33\. Try a home exchange. There are several platforms where you can swap accommodation with someone in a destination that interests you. If you’re after something a little more adventurous, couch surfing – free accommodation with locals – is also an option. 34\. Change your cell phone plan or get a local SIM card. To avoid roaming charges and high bills when visiting another province or country, review different options with your provider. Some packages offer more attractive travel rates and service fees. Alternatively, you could buy an eSIM card online that works for the region you’re visiting. This will give you access to data – and sometimes text messages and phone calls – for a fraction of the price. 35\. Be flexible with your travel dates. Consider different options, as moving the departure or return date by even a few days can have a big impact on the price. ![Picto of a rocket](https://www.nbc.ca/personal/advice/budget/tips-on-saving-more/_jcr_content/root/responsivegrid/responsivegrid/landmarks/responsivegrid_1498571997/responsivegrid_130352253/contentfragment/par42/responsivegrid_copy_/responsivegrid_copy/responsivegrid/image_copy_copy.coreimg.png/1722889282439/picto-demarrer-entreprise-bleu-100x100.png) To learn more For more tips on how to save money when travelling, check out our article: [How to make a travel budget](https://www.nbc.ca/personal/advice/budget/helpful-travel-budget-tips.html). ## How to save money on financial services and taxes? 36\. Save money with [accelerated mortgage payments](https://www.nbc.ca/personal/mortgages/pay-faster.html). By accelerating your mortgage payments, you could save thousands of dollars in interest. Our [payment calculator](https://www.nbc.ca/personal/mortgages/calculators/payments.html) will help you figure out the best plan. ![Picto of a light bulb with a money symbol](https://www.nbc.ca/personal/advice/budget/tips-on-saving-more/_jcr_content/root/responsivegrid/responsivegrid/landmarks/responsivegrid_1498571997/responsivegrid_130352253/contentfragment/par44/responsivegrid_copy_/responsivegrid_copy/responsivegrid/image_copy_copy.coreimg.png/1722889022303/picto-solution-entreprise-65x66.png) Good to know: By paying an additional \$2,000 per year on a \$300,000 mortgage, at a fixed rate of 5% amortized over 25 years, you’ll pay \$41,252 less in total interest. You’ll also pay off your mortgage sooner than expected. 37\. Pay off your credit cards in full every month – you could end up paying a lot in [interest](https://itools-ioutils.fcac-acfc.gc.ca/CCPC-CPCC/CCPC-CPCC-eng.aspx) otherwise (link to external site). A \$2,000 purchase at 20% interest will cost you \$4,240 if you only cover the minimum monthly payments. That’s more than double\! 38\. Shop around for home and car insurance whenever you renew a policy. Premiums vary widely from one insurer to another. Do your homework before you renew and shop around. You could also reduce your premium by bundling all your policies with the same insurance company. 39\. Take advantage of your employer’s [pension plan](https://www.nbc.ca/personal/retirement/learn-about-pension-plans.html). These plans are usually worthwhile because your employer contributes to them too. A group RRSP in which your employer makes additional contributions is another great option. 40\. Split your pension income with your spouse. If you’re retired, consider [splitting your pension income](https://www.nbc.ca/personal/advice/retirement/pension-income-splitting-questions-answers.html). This means allocating a portion of your income to your partner to maximize your tax efficiency: if you have the higher income, moving to a lower tax bracket will mean you’ll [pay less tax](https://www.nbc.ca/personal/advice/retirement/plan-for-retirement-savings.html) as a couple. Age requirements may vary from province to province, so it’s worth [reading up more](https://www.nbc.ca/personal/advice/retirement/pension-income-splitting-questions-answers.html). There are plenty of ways to save without sacrificing too much. Start with the tips that seem easiest to adopt today, and use that money to set up a systematic savings plan. Remember: little by little, a little becomes a lot. The sooner you start, the sooner you can carry out [projects that are close to your heart](https://www.nbc.ca/personal/finance/personal.html). [Don’t hesitate to make an appointment with one of our specialists.](https://www.nbc.ca/tools-apps/meeting-request.html) ### Legal disclaimer Any reproduction, in whole or in part, is strictly prohibited without the prior written consent of National Bank of Canada. The articles and information on this website are protected by the copyright laws in effect in Canada or other countries, as applicable. The copyrights on the articles and information belong to the National Bank of Canada or other persons. Any reproduction, redistribution, electronic communication, including indirectly via a hyperlink, in whole or in part, of these articles and information and any other use thereof that is not explicitly authorized is prohibited without the prior written consent of the copyright owner. The contents of this website must not be interpreted, considered or used as if it were financial, legal, fiscal, or other advice. National Bank and its partners in contents will not be liable for any damages that you may incur from such use. This article is provided by National Bank, its subsidiaries and group entities for information purposes only, and creates no legal or contractual obligation for National Bank, its subsidiaries and group entities. The details of this service offering and the conditions herein are subject to change. The hyperlinks in this article may redirect to external websites not administered by National Bank. The Bank cannot be held liable for the content of external websites or any damages caused by their use. Views expressed in this article are those of the person being interviewed. They do not necessarily reflect the opinions of National Bank or its subsidiaries. For financial or business advice, please consult your National Bank advisor, financial planner or an industry professional (e.g., accountant, tax specialist or lawyer). Tags : [Budget](https://www.nbc.ca/personal/advice/budget.html) ## Related articles - [![Engineering professionals](https://www.nbc.ca/content/dam/fragment/images/img-avantages-professions-1020x680.jpg) Learn about the benefits available to clients in over 150 professions What if your professional expertise gave you access to incredible banking offers? 20 November 2025](https://www.nbc.ca/personal/advice/budget/benefits-available-professions.html) - [![Drawing of a grocery cart](https://www.nbc.ca/content/dam/fragment/images/img-marge-vs-pret-article.jpg) The differences between a personal line of credit and a personal loan Discover the key differences between a line of credit and a personal loan to make informed financial decisions that suit your needs. 22 September 2025](https://www.nbc.ca/personal/advice/budget/personal-loan-and-line-of-credit.html) - [![Image for the article on how to make a budget of a man at his desk doing his budget](https://www.nbc.ca/content/dam/fragment/images/img-comment-faire-un-budget-1020x680.jpg) How to make a personal budget A budget is an excellent tool for ensuring good financial health. 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Readable Markdown	## How to save money in your day-to-day life? 1\. Avoid impulse purchases – take the time to think it through and make a [personal budget](https://www.nbc.ca/personal/advice/budget/creating-a-personal-budget.html). Wait 24 hours or a few days before making a purchase. This will help you distinguish between your wants and your needs, put spending limits in place and make it easier to [consume responsibly](https://www.nbc.ca/personal/advice/budget/consume-responsibly.html). 2\. Reduce your utility bills by adopting good habits. Heating accounts for most of your electricity costs. If you’re leaving for the day, turn down the thermostat by a few degrees (you can do the same thing at night). Smart thermostats are also a good investment. ![Picto of a light bulb with a money symbol](https://www.nbc.ca/personal/advice/budget/tips-on-saving-more/_jcr_content/root/responsivegrid/responsivegrid/landmarks/responsivegrid_1498571997/responsivegrid_130352253/contentfragment/par3/responsivegrid_copy_/responsivegrid_copy/responsivegrid/image_copy_copy.coreimg.png/1722889022303/picto-solution-entreprise-65x66.png) Good to know: Your water heater can consume up to 20% of your annual electricity bill. Reduce your energy costs by washing your clothes in cold water with a detergent formulated for this purpose. 3\. Buy house brands. They’re cheaper than well-known brands and often just as high quality. 4\. For [renovation projects](https://www.nbc.ca/personal/advice/home/tips-for-making-a-renovation-budget.html), rent the tools that you won’t be using very often. Not only is it more economical, it also means less clutter in your home. 5\. Make your coffee at home rather than buying it at a coffee shop. It doesn’t take much effort and you’ll save money without even realizing it. ## How to save money at the grocery store? 6\. Go grocery shopping after a meal or have a snack just before – people who go to the supermarket on an empty stomach tend to buy more. 7\. [Make a monthly budget and prepare your shopping list](https://www.nbc.ca/personal/advice/budget/how-to-make-a-monthly-food-budget.html) by browsing online flyers for discounts. Some apps can also do the work for you and suggest the best buys. 8\. Compare prices by weight to find the best price/quantity value. This information can be found on the labels displayed on supermarket shelves and is very handy for comparing products. 9\. Don’t buy prepared products. Pre-cut vegetables or grated cheese cost a lot more. Get out your knives and grater and start saving\! 10\. Reduce your meat consumption. Meat is expensive. Start with one or two meat-free meals a week and gradually replace it with plant proteins such as beans and other legumes. ## How to save money on transportation? 11\. Travel by bike whenever possible. This is a great way to save on transportation costs and get some exercise while you’re at it. If you don’t own a bike, bike-sharing is available in certain towns and cities. ![Picto of a locker](https://www.nbc.ca/personal/advice/budget/tips-on-saving-more/_jcr_content/root/responsivegrid/responsivegrid/landmarks/responsivegrid_1498571997/responsivegrid_130352253/contentfragment/par14/responsivegrid_copy_/responsivegrid_copy/responsivegrid/image_copy_copy.coreimg.svg/1722889117351/picto-strong-password.svg) Pro tip: Find you’re using your vehicle less often? Notify your insurance provider and your car insurance premium could be reduced. 12\. Ride with other people. Whether it means using public transit or carpooling with coworkers, it’s more responsible and economical than driving alone. You could also try car-sharing applications, which allow drivers to pick up additional passengers. 13\. Before buying a car, use an online comparison tool to find a less expensive model. What about a [hybrid or electric vehicle](https://www.nbc.ca/personal/advice/budget/benefit-electric-car.html)? They’re more expensive to buy, but you’ll save on gas in the long run. 14\. Slow down to reduce your fuel consumption. Did you know that driving at 100 km/h on the highway instead of 120 km/h saves fuel? Try applying other principles of fuel-efficient driving – avoiding sudden acceleration or easing off the gas pedal to slow down instead of using your brakes – and you’ll start to see positive effects on your gas costs. ## How to save money on internet, TV and cell phone bills? 15\. Review your bills to see if you’re paying for unnecessary services. Do you really need all those TV channels and streaming services? Getting rid of the ones you only use occasionally could save you tens of dollars every month. You could also subscribe to different platforms on a rotating basis. ![Picto of a locker](https://www.nbc.ca/personal/advice/budget/tips-on-saving-more/_jcr_content/root/responsivegrid/responsivegrid/landmarks/responsivegrid_1498571997/responsivegrid_130352253/contentfragment/par19/responsivegrid_copy_/responsivegrid_copy/responsivegrid/image_copy_copy.coreimg.svg/1722889117351/picto-strong-password.svg) Pro tip: If you spend a lot of time at home using Wi-Fi, chances are your mobile data needs are lower. Check out the details of your cell phone plan to see if another one might be better for you. 16\. Renegotiate your cell phone plan regularly. Sometimes all you have to do is ask for a discount and they’ll give it to you. 17\. Buy a second-hand cell phone or keep your current one for as long as possible. New phones are very expensive. Resist the temptation to upgrade to the latest version and keep the one you have for longer. You could also find a used phone at a fraction of the price online. 18\. Bundle your services. By combining your internet, telephone and TV subscriptions into a single bill with one provider, you could save a lot of money. ## How to save money on your kids’ expenses? 19\. Give homemade gifts or second-hand toys. Not only is it good for your wallet, it’s also good for the planet. 20\. Buy clothes at thrift stores. Kids grow up fast, so why buy new clothes when they’ll only be worn for a few months? Whether you go to a second-hand clothing store or thrift store online, you’ll find pieces for much less. 21\. Rent your sports equipment. A number of specialty stores offer inexpensive year-round rentals and will even give you credit in exchange for equipment your kids have outgrown. 22\. [Contribute to a Registered Education Savings Plan (RESP)](https://www.nbc.ca/personal/savings-investments/resp.html). The money set aside will grow tax-free, plus you’ll also be eligible for government grants, which will reduce the cost of your child’s post-secondary education. ![Picto of a rocket](https://www.nbc.ca/personal/advice/budget/tips-on-saving-more/_jcr_content/root/responsivegrid/responsivegrid/landmarks/responsivegrid_1498571997/responsivegrid_130352253/contentfragment/par27/responsivegrid_copy_/responsivegrid_copy/responsivegrid/image_copy_copy.coreimg.png/1722889282439/picto-demarrer-entreprise-bleu-100x100.png) ## How to save money when you’re in school? 23\. Buy used textbooks. Many academic institutions organize used book sales on their social networks or discussion forums, and school book stores will often buy your used books. You could also opt for digital versions of textbooks, which are generally less expensive than the paper versions. 24\. Take advantage of student discounts. Thanks to your student status, you may be able to get discounts or special rates on various products and services. Don’t forget to keep your student card on you\! 25\. Avoid getting takeout meals and limit your restaurant outings. These bills add up quickly, so try hosting dinners with friends at home. You could also cook in larger quantities – it’s more economical – and freeze the extra portions. 26\. Take advantage of free activities. Many cities and towns offer free shows, exhibitions and cultural activities. It’s easy to have fun without spending a fortune\! 27\. Claim your [student tax credits](https://www.nbc.ca/personal/advice/education/student-tax-credit.html). This credit is equivalent to 15% of your annual tuition fees at the federal level and 8% at the provincial level. When you file your [income tax return](https://www.nbc.ca/personal/advice/taxes-and-income/file-taxes-first-time-canada.html), don’t forget to claim the interest paid on your student loan, if you have one. Example: A student who pays \$3,000 in tuition fees can earn up to \$450 in credits. 28\. Plan [a budget for your first apartment](https://www.nbc.ca/personal/advice/education/student-housing-costs.html) if you’re thinking of moving out of your family home. This will help you better manage your housing costs. 29\. Learn about scholarships and student loans. Don’t have enough savings or money in your RESP to finance your studies? Explore scholarship options for your program or province. Alternatively, [a student loan may be a good solution](https://www.nbc.ca/personal/advice/education/student-loan.html). It’s still a loan, but the interest rate is relatively low. 30\. Choose the right banking package. No need to pay fees – if you’re between the ages of 18 and 24, [The Connected® chequing account](https://www.nbc.ca/personal/accounts/youth.html) is available for \$0/month. ## How to save money on travel? 31\. Support local tourism and go on adventures in your own province. You don’t have to spend money flying overseas to experience your dream vacation. 32\. Set up alerts on different airfare sites. You’ll be notified when there’s a price drop on tickets you’re interested in. 33\. Try a home exchange. There are several platforms where you can swap accommodation with someone in a destination that interests you. If you’re after something a little more adventurous, couch surfing – free accommodation with locals – is also an option. 34\. Change your cell phone plan or get a local SIM card. To avoid roaming charges and high bills when visiting another province or country, review different options with your provider. Some packages offer more attractive travel rates and service fees. Alternatively, you could buy an eSIM card online that works for the region you’re visiting. This will give you access to data – and sometimes text messages and phone calls – for a fraction of the price. 35\. Be flexible with your travel dates. Consider different options, as moving the departure or return date by even a few days can have a big impact on the price. ![Picto of a rocket](https://www.nbc.ca/personal/advice/budget/tips-on-saving-more/_jcr_content/root/responsivegrid/responsivegrid/landmarks/responsivegrid_1498571997/responsivegrid_130352253/contentfragment/par42/responsivegrid_copy_/responsivegrid_copy/responsivegrid/image_copy_copy.coreimg.png/1722889282439/picto-demarrer-entreprise-bleu-100x100.png) ## How to save money on financial services and taxes? 36\. Save money with [accelerated mortgage payments](https://www.nbc.ca/personal/mortgages/pay-faster.html). By accelerating your mortgage payments, you could save thousands of dollars in interest. Our [payment calculator](https://www.nbc.ca/personal/mortgages/calculators/payments.html) will help you figure out the best plan. ![Picto of a light bulb with a money symbol](https://www.nbc.ca/personal/advice/budget/tips-on-saving-more/_jcr_content/root/responsivegrid/responsivegrid/landmarks/responsivegrid_1498571997/responsivegrid_130352253/contentfragment/par44/responsivegrid_copy_/responsivegrid_copy/responsivegrid/image_copy_copy.coreimg.png/1722889022303/picto-solution-entreprise-65x66.png) Good to know: By paying an additional \$2,000 per year on a \$300,000 mortgage, at a fixed rate of 5% amortized over 25 years, you’ll pay \$41,252 less in total interest. You’ll also pay off your mortgage sooner than expected. 37\. Pay off your credit cards in full every month – you could end up paying a lot in [interest](https://itools-ioutils.fcac-acfc.gc.ca/CCPC-CPCC/CCPC-CPCC-eng.aspx) otherwise (link to external site). A \$2,000 purchase at 20% interest will cost you \$4,240 if you only cover the minimum monthly payments. That’s more than double\! 38\. Shop around for home and car insurance whenever you renew a policy. Premiums vary widely from one insurer to another. Do your homework before you renew and shop around. You could also reduce your premium by bundling all your policies with the same insurance company. 39\. Take advantage of your employer’s [pension plan](https://www.nbc.ca/personal/retirement/learn-about-pension-plans.html). These plans are usually worthwhile because your employer contributes to them too. A group RRSP in which your employer makes additional contributions is another great option. 40\. Split your pension income with your spouse. If you’re retired, consider [splitting your pension income](https://www.nbc.ca/personal/advice/retirement/pension-income-splitting-questions-answers.html). This means allocating a portion of your income to your partner to maximize your tax efficiency: if you have the higher income, moving to a lower tax bracket will mean you’ll [pay less tax](https://www.nbc.ca/personal/advice/retirement/plan-for-retirement-savings.html) as a couple. Age requirements may vary from province to province, so it’s worth [reading up more](https://www.nbc.ca/personal/advice/retirement/pension-income-splitting-questions-answers.html). There are plenty of ways to save without sacrificing too much. Start with the tips that seem easiest to adopt today, and use that money to set up a systematic savings plan. Remember: little by little, a little becomes a lot. The sooner you start, the sooner you can carry out [projects that are close to your heart](https://www.nbc.ca/personal/finance/personal.html). [Don’t hesitate to make an appointment with one of our specialists.](https://www.nbc.ca/tools-apps/meeting-request.html)
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