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17. Skip the coffee shop.
Ouch. This one is painful—we get it! But instead of spending $5 on that daily latte, you can save money by just making your coffee at home. Listen, we’re not saying you should only drink instant coffee (unless you’re into that sort of thing). But even purchasing a bag of local beans from your neighborhood coffee shop and brewing it at home will save you a lot of money in the long run.
8. Pack Your Lunch
An obvious money-saving tip is finding everyday savings. If buying lunch at work costs $7, but bringing lunch from home costs only $2, then over the course of a year, you can create a $1250 emergency fund or make a significant contribution to a college plan or retirement fund.
10. Lower your car costs
Refinancing your auto loan and taking advantage of lower interest rates could save you considerably over the life of your loan. Shopping around for car insurance regularly can also help you cut costs compared with simply letting your current policy auto-renew. You can cut ongoing car maintenance costs by driving less, removing heavy items from your trunk and avoiding unnecessary rapid acceleration.
20 Track your spending
The more conscious you are of what you are spending the less likely you are to overspend. Use free budgeting apps like Money Dashboard to monitor all your accounts in one place on a handy dashboard.
Digital banks like Monzo and Starling are also great at helping you manage your spending with a number of budgeting tools within their apps. It could be useful to check your current spending pattern as it may differ from your usual one.
16. Borrow rather than buy
If you don’t manage to find what you need in a charity shop, maybe you can borrow it. Family members who are on board to support you while you save may be able to help here.
Alternatively, Badlee is an app that lets you borrow items from friends and neighbours, while the Library of Things in south London lets you borrow useful products like drills, gazebos and carpet cleaners at affordable prices.
11. Pack lunch (and eat at home).
Get this—the average household spends about $3,526 on food outside of the home each year.3 That’s $294 per month! Buying lunch a few times a week may seem harmless in the moment (especially when your favorite restaurant is walking distance from your office), but you can save quite a bit of money just by packing a lunch.
Not only that but a lot of times you can buy a solid week’s worth of groceries for the same price as two dinner meals out. Instead, prepare your food at home and watch your savings pile up month after month.
Do you ever feel like no matter how hard you try it’s still impossible to find ways to save money? You mean well and try to spend less, but something always comes up. Life gets in the way—the car needs new tires, the teenager needs braces, the house needs a new roof—and just like that, saving money takes a back seat. Sound familiar?
The truth is, you don’t need everything to magically line up perfectly before you start saving money. Spoiler alert: If you wait for the “right time” to roll around, it’s never going to show up. The best time to start saving is right now.
The good news is there are plenty of straightforward ways to save money and breathe some fresh air (and fresh cash) into your budget. Here are 22 money-saving tips to help you tweak your spending and get on the fast track to saving money in no time.
8. Delay purchases with the 30-day rule
One way to avoid overspending is to give yourself a cooling-off period between the time an item catches your eye and when you actually make the purchase. If you’re shopping online, consider putting the item in your shopping cart and then walking away until you’ve had more time to think it over. (In some cases, you might even get a coupon code when the retailer notices you abandoned the cart.) If 30 days seems like too long to wait, you can try shorter periods like a 24- or 48-hour delay.
22 ways to save money
16. Cancel unnecessary subscriptions
Uncheck the auto-renew option on any subscriptions you aren’t using regularly, such as subscription boxes. You might even be paying for subscriptions you no longer use or need. Reviewing your credit card or bank statement carefully can help you flag any recurring expenses you can eliminate. And avoid signing up for free trials that require payment information, or at least make a note or set a calendar reminder to cancel before the free period ends.
How to Start Saving Money
You’ll only start saving money when you learn healthy money habits and let your future needs be more important than your current wants—aka when you make saving money a priority. So do it! You can stop the cycle of living paycheck to paycheck with a simple secret: Make a zero-based budget before the month begins.
A budget is all about being intentional. It helps you create a plan so you can see where your money is going and find out how much you can actually save each month. When you make a zero-based budget, you’re giving every single dollar a name—or assigning it a job to do—before you save or spend it. Remember: It really doesn’t matter how much money you make—what matters is how you spend and save the money you make.
Ready to start saving and reaching your money goals? Get our free budgeting app, EveryDollar, so you can keep track of all your budgeting and saving in one place. And if you really want to take a deeper dive into your budget, get a free trial membership to Ramsey+. The membership gives you access to all kinds of things, including a premium version of EveryDollar that links to your bank account and offers detailed spending reports. It’s every budgeter’s dream!
21. Keep savings in a high-yield savings account
As you work toward your financial goals, make sure to put your accumulating funds in a high-yield online savings account to maximize your money. Some of the best online accounts pay interest rates that are higher than the ones at large traditional banks.
8. Have a holiday-free year
While Covid has taken the choice away from money of us, staycations can be just as expensive as travelling abroad if not more so.
Sticking to day trips, cheap weekends and camping holidays away can save you a significant chunk of money and often be more fun. It is also likely to be less stressful given the disruption caused by the pandemic to foreign travel.
If you are looking at ways to save money for a holiday we have some ideas..
Entertainment Savings Tips
24. Take advantage of your library. Libraries are gold-mines of free entertainment. They offer several entertainment options including classes, e-books, and audio-books. Some libraries even allow you to borrow things like tools and sewing machines!
25. Browse online for free or low-cost local entertainment. Check out local events on Facebook or Eventbrite to plan some downtime. There are often events and activities listed that you probably aren’t aware are happening.
26. Volunteer at festivals. Cultural festivals and events often offer free admission to event volunteers. Contact the organizers of your favorite event to ask about volunteer opportunities and benefits.
4. Transfer debt to a 0% deal
If you have a large amount of debt, perhaps on an overdraft or credit card, it is likely that you are paying high levels of interest. You could consider switching it all to a credit card with a 0% balance-transfer deal like the ones we have listed here.
These cards don’t charge any interest on your transferred debt for a set period, so you can stop giving your money to the bank and instead use all of it to pay off what you owe faster.
Watch out as you may have to pay a fee. Not everyone will get accepted for the best deals depending on your credit rating but it could be worth it in the long run.
14. Lower your cell phone bill.
If your monthly cell phone bill competes with your monthly grocery budget, it’s time to find ways to cut back. Save money on your cell service by getting rid of extras like costly data plans, phone insurance and useless warranties. And don’t be afraid to haggle with or completely switch your provider! It might require a little persistence and research, but the savings are worth it.
Health Savings Tips
38. Don't skimp on preventive healthcare. Routine dental checkups, for example, help prevent fillings, root canals, and dental crowns - all of which are expensive and no fun.
39. Go generic. Ask your physician if generic prescription drugs are a good option for you. Generic drugs can cost several hundred dollars less to purchase annually than brand-name drugs. And since physicians often don't know the costs you incur for a particular drug, you often have to ask.
40. Comparison shop for prescription drugs. Don't just rely on the closest drugstore because the cost to you can vary significantly from pharmacy to pharmacy. Make sure to check out your local pharmacist, supermarkets, wholesale clubs, and mail-order pharmacies.
41. Purchase store brand over-the-counter medications. Store brand medications often cost 20-40 percent less than nationally advertised brands, but are the exact same formula.
12. Money-making strategy: Babysitting with Care.com
You can easily do some babysitting when you need to make a few bucks quickly. Parents everywhere are always in need of babysitting and nanny services.
Websites like Care.com connect parents with babysitters. The company does all the background checking and other due diligence to put parents' minds at ease. Of course, you can appeal directly to people in your personal network, but if you're looking to generate recurring revenue sign up with a site marketing to parents looking for child care services.
13. Money-making strategy: Sell your photos
Have an eye for photography? Of course, you need to be good at this to earn any money but it you are, you can sell photos on ShutterStock or iStockPhoto (along with many others) to generate a passive income from something you might be very passionate about.
For a quicker way to earn by taking photos, solicit people looking for photographers to cover their wedding, engagement, child's birthday or any other life event. You'll need a good camera and some experience, but you can definitely earn some must-needed income this way no matter where you live.
13. Take advantage of your retirement savings plan.
If your employer offers a 401(k) match and you aren’t taking full advantage of it, you’re missing out big time! Talk to your HR department to set up an account. But remember, you should wait until you’re completely debt-free (except your mortgage) and have a fully funded emergency fund of three to six months before you start saving and investing for retirement.
3 Stay on track
Don’t let cash slip through your fingers. With digital bank Monzo you can transfer a set amount of spending money to your card while prepaid cards – like Monese and Transferwise – only let you spend what you load.
Too high tech? Set up a day to day spending account with its own card, and transfer your weekly disposable income on to it.
10. No presents
Implement a no-presents rule for a full year with your family members and friends. If that doesn’t sit well with you, why not suggest:
- A spend limit
- Secret Santa for Christmas
- Only hand-made or gifts bought from charity shops
If others still want to give on birthdays and you have children, stick solely to savings accounts and check out our independently rated junior ISAs here. Find out more about how you can teach your kids about money here.
8. Money-making strategy: Sell on CafePress or Etsy
If you can design digital items, you can sell them for a share of the profits on a site like CafePress. You can do this with nothing more than some design software. They can include custom logos, inspirational sayings and other topical or trending designs appealing to the masses.
You could hire a designer to assist you with this, but you still need to come up with the ideas. This works best if you understand design yourself but requires no overhead. Items are printed and delivered on-demand. You simply receive a share of the proceeds. Similarly, you could sell items on Etsy as well.
9. Unsubscribe from emails.
Email marketers are really good at what they do. They know the irresistible temptation of a 24-hour sale or exclusive coupon. And talk about those flashy GIFs!
If you just can’t resist shopping when you see a special offer, click the unsubscribe link at the bottom of the email. Do it! You’ll be less tempted to spend, and your inbox will be a lot less cluttered. It’s a win-win!
The psychology of making money.
Regardless if you need to earn some fast cash or we're just talking about making money in the grand scheme of things, there's an important psychology that needs to be mentioned before getting into the strategies. If you study Freud's model of the mind, you'll discover the Psychic Apparatus. It's the three-part construct in your mind that controls all of your behavior.
Those three are the id, the super-ego and the ego. The id lives deep within the subconscious from birth. It's the source of our sudden and most instinctive urges. When you find yourself doing what you know you shouldn't, blame your id.
The super-ego is formed later in life to balance the id. It forms and breaks off from the id through our upbringing, parental guidance and our sense of community and beliefs. People who are careful with their money can thank their super-ego.
The ego is the driver making the decisions. It decides between the devil (the id) and the angel (the super-ego) on either shoulder (yes, all those cartoons you've ever seen are partly true). We have voices in our mind, and it's up to the ego to decide which one to fulfill. Its goal is to satisfy the id in some way while also attending to the super-ego.
Get-rich-quick schemes and fad weight-loss diets are naturally popular because they satisfy the id while also attending to the super-ego. The ego's job is complete when it sees something like this. The appeal of "fast'' stems from the innate desire for instant gratification, so beware of what seems too good to be true (they often are) when you're looking to make money quickly. Be wary. Listen to the conversation deep within the confines of your mind and do your best to tame the proverbial beasts.
What are the best ways to make money right away? While a search online when you're in need of some fast cash will produce millions of results, not all will be legitimate. It's up to you to filter through the so-called noise. These 32 strategies will help put you in the black, even if it's in a very small way. Once you are, resume planning and focusing on the bigger picture.
Related: How to Make a Fortune With $100
2. Count your coins and bills
Another option is saving your change manually by setting it aside each night. After you have a sizable amount, you can deposit it directly into your savings and watch your account grow from there. In fact, when you want to watch your spending, it’s a good idea to use cash instead of credit cards because it can be harder to part with physical money. While this strategy doesn’t build savings overnight, it's a solid approach for slow-and-steady savings growth.
24 Make the most of resale platforms
Did you know that the average British woman accumulates an estimated £22,000 of unworn clothes over a lifetime? It's time to make money while you spend it by exchanging your old clobber for cash via resale platforms such as Depop, Vinted and eBay.
You can also use these sites to hunt for top-quality gifts. Pre-owned doesn’t have to mean lower-quality – many items sold on these sites are brand new and often cost less than the original retail price.
In a bind? Need some fast cash? We're talking here about small bursts of capital, not millions of dollars -- enough to satisfy your monthly obligations or get that nagging creditor to stop calling you.
Shutterstock None of the 32 strategies listed here to get some money quickly will break the proverbial bank. Some are easier than others, but nearly all require very little to no capital. They are meant to get you through the difficult times.
Related: 2 Ways to Make Money Online This Month
Some of these strategies to make extra money will require you to be in certain locales, while others are location-independent, but it all boils down to being resourceful. We've all found ourselves in a tight spot at one point in our lives or another, but to the person who's committed, anything is possible.
Much of this has to do with mindset. When you lack money, scarcity thinking sets in. The scarcity mindset is negative and thinks that there's never enough of whatever it is to go around. When you find yourself thinking like that, do everything in your power to move into an abundant mindset.
Our thoughts are incredibly powerful. We have upwards of 60,000 thoughts per day, many deep within our subconscious mind, much of which are repeated. We have to be stewards of our thoughts. Once you find yourself thinking negatively, you need to jar yourself out of that.
When you're looking to make money fast, you're often in a tough spot financially, even desperate to make ends meet, but everything that we have and everything that we become is partly born from our thoughts. Think and you shall become. Curate and cultivate the right thoughts if you want to live an abundant life.
17. Refinance your mortgage
Refinancing your mortgage can save you several hundred dollars each month if you’re able to snag a lower interest rate. Use our mortgage refinance calculator to find out how much you could save. While refinancing comes with some initial costs upfront, they can be recouped over time, once you start paying less each month.
18. Money-making strategy: Take on housecleaning jobs
There's a variety of platforms online that you could tap into for doing this, or you could simply scour your neighborhood or post on social media. You could use Amazon's Home Services for this as well, or you could create your own simple, one-page website to advertise.
Either way, this is a terrific way to make upwards of $20 per hour or more doing a job that's often in high demand. You could easily make this a long-term gig if you perform well and don't cut corners.
Related: From $100 Million to Broke to Betting It All on Cryptocurrencies
Food Savings Tips
33. Brown bag your lunch. The reason you hear this tip so much is that it works! If buying lunch at work costs $5, but making lunch at home costs only $2.50, then in a year, you could afford to create a $500 emergency fund and still have money left over.
34. Commit to eating out one fewer time each month. Save money without sacrificing your lifestyle. Take small steps to reduce your dining budget. Start off with reducing the amount you eat out by just once per month.
35. Plan your meals in advance and stick to a list while grocery shopping. People who do food shopping with a list, and buy little else, spend much less money than those who decide what to buy when they get to the food market. The annual savings could easily be hundreds of dollars.
36. ‘I’ll take a water, thank you.’ It’s standard in the restaurant industry to mark up the cost of alcohol by three to five times. An easy way to cut down on your restaurant spending without changing your habits too drastically is to skip the beverages, alcoholic and non-alcoholic.
37. Save time and money by doubling the recipe. Next time you make a family favorite, double the recipe and freeze the leftovers for another day. That way you can get two meals out of one and use the ingredients more efficiently with less waste.
14. Cashback websites
Cashback websites give you a certain percentage cashback whenever you spend online at a selected retailer by going through them first. They are free and simple to use and you could earn hundreds of pounds.
TopCashback and Quidco are the most well-known and are free to use, just make sure you only use them for usual spending rather than buying things you don’t need.
#5. Focus on recurring expenses
While every little bit helps, it’s your large, recurring expenses that provide the most fertile ground for boosting your savings, says the team at The Thrifty Issue.
“Go over your bank statements and look at all the things you have spent money on over the past year.
“Then see how much money you can save on them by, for example, refinancing your home loan, comparing insurance providers and other services.
“Spend a day going over it all and you can save thousands.”
While every little bit helps, it’s your large, recurring expenses that provide the most fertile ground for boosting your savings
According to Choice, shopping for a cheaper energy retailer could you cut your energy bill by almost half; you can compare electricity and gas offers on the Australian Government’s Energy Made Easy website.
Insurance costs can run into several thousand dollars a year, so a saving of 10% could equate to hundreds saved.
Cutting your fuel costs requires constant vigilance: MotorMouth and accc.gov.au will tell you which service stations have the lowest prices and the best day of the week to fill up respectively.
Even if you’re happy with your mobile and internet service providers, ask them if they have a cheaper plan. This is information they don’t always volunteer to existing customers.
27. Money-making strategy: Open a cash-bonus checking account
Check with your local bank to see if they're giving away cash bonuses for opening up accounts. Banks run promotions like this all the time, so grab some real cash quickly if you're in need. It won't break the bank (no pun intended) but it will give you a quick $50 or $100 -- maybe even more -- when you really need it. You might need to deposit a minimum amount of cash (usually in the thousands) in order to qualify for these types of accounts (but not always).
6. Get a side hustle
A side hustle is simply another activity that you do on top of your main join that earns a bit of income. It should ideally fit comfortably into your daily life.
- Online surveys: sites such as YouGov, Prolific, and PineconeResearch can pay £50 a month
- Rate music: you can get paid to listen to music and rate it for about 10p a track at Slicethepie
- Tutoring: if you can play the piano or speak a foreign language, you can get paid around £30 an hour
Discover how Times Money Mentor reader Laura Dempster used her love of embroidery to boost her social life and house deposit.
11 Remortgage!
If your fixed term mortgage deal has come to an end you may be paying a ‘loyalty’ penalty of high interest which could add up to as much as £1000 a year. So, talk to your mortgage broker about remortgaging to the best deal for now, or find an independent mortgage adviser at unbiased.co.uk or vouchedfor.
22. Sell everything (that doesn’t bring you joy).
Marie Kondo has the right idea. Declutter the things in your home that you don’t need and are willing to let go of for the sake of your financial future. That vintage chair your aunt gave you? Sell it. That crystal vase you found at an antique shop? Sell it. You’d be surprised at how much clutter you have in your home (that you don’t even use or think about). And the cash you can make on those things can be the difference between living paycheck to paycheck or not.
17 Have a no-spend day
Exercise some self discipline and try to have at least one no-spend day each week, it'll make you more careful with your cash in the long term. This can be as simple as having last nights leftovers rather than buying lunch out, snacking only from your weekly shop and carrying coffee/tea in a keep cup. Require more than one brew a day? Many chains (including Pret) cut the price of your beverage if you bring a portable mug.
You can cheat on travel expenses if it's absolutely necessary. Or, get paid to walk with smartphone apps, such as Sweatcoin and BetterPoints, which exchange your steps for store discounts and freebies.
2. Set Savings Goals
One of the best ways to save money is by visualizing what you are saving for. If you need motivation, set saving targets along with a timeline to make it easier to save. Want to buy a house in three years with a 20 percent down payment? Now you have a target and know what you will need to save each month to achieve your goal. Use Regions savings calculators to make your goal!
17. Money-making strategy: Help with home gardening
Offering your services as a local gardener could make you enough money quick enough to satisfy some pressing needs. There are loads of options from mowing lawns and pulling weeds to planning gardens and decor. If you pitch to enough neighbors, you'll find at least a few takers. It'll definitely be worth your while.
15. Hit the charity shops
A surge in donations to charity shops during the pandemic has meant there have been plenty of bargains to be had.
For high-end bargains, charity shops in Chelsea in London, Alderley Edge in Cheshire, Bath, Oxford and St Andrews in Scotland are the places to go.
Charities also appear on designer shopping app Depop.
6 Get savvy with your savings
If you haven't already, maximise your £20,000 tax free ISA allowance. You can either put money into a cash or investment ISA. Admittedly, rates for cash ISAs aren't great at the moment, but you'll get more the longer you are prepared to leave the money untouched. Check out www.gov.uk/individual-savings-accounts for more information. Check for the best cash ISA rates at Moneyfacts
You don’t need a lot of money to start investing, nor do you need to be an expert. Some investment apps, such as Moneybox, even let you begin with just a few pennies by rounding up your loose change every time you spend.
7. Utility Savings
Lowering the thermostat on your water heater by 10°F can save you between 3-5 percent in energy costs. And installing an on-demand or tankless water heater can deliver up to 30 percent savings compared with a standard storage tank water heater.
17. Learn for free
There are a huge variety of quality courses and content online, many of which won’t cost you a penny.
Skillshare is an online community offering thousands of free classes including fashion illustration, pasta making, interior design basics, analytics and management.
Recruitment site Reed offers free online courses – from essential IT skills and book-keeping to understanding autism.
With the cost of living on the up, it may feel harder than ever to put money aside for a rainy day.
To help you, we’ve come up with 20 easy money saving tips designed to slot into your daily life without too much effort.
This article includes:
This article contains affiliate links* that can earn us revenue.
Many people feel they lack the funds or motivation to save, and yet having a pot of money set aside for emergencies is essential for our finances as well as our mental health.
Due to the limited opportunities to spend during the first year of the pandemic, British households had built up their savings to the second highest level on record by the beginning of 2021.
But as restrictions eased and the cost of living continues to rise, it will become increasingly difficult to put extra money aside.
If you know that you struggle, here are 20 simple methods to help you get into the savings habit:
#11. Use our savings goal planner
Use Budget Direct’s savings goal planner to work out how much you need to regularly set aside to reach your savings target; and what discretionary spending you could cut in the process.
The planner also allows you to upload an image of the thing you’re saving for. Research shows pictures can provide you with added motivation to achieve your goal.
This post was brought to you by Budget Direct Life Insurance
18 Check your workplace pension
'Make sure you are checking in with, and making the most of, your workplace pension,' says Robert Gardner of St James's Place. When you start at a new company or when your employer sets up a new pension scheme, you will usually receive information to agree the percentage of your salary that will be paid into your workplace pension. Your employer will then deduct your pension contributions directly from your wages before paying you.
It’s important to check your pension to make sure you’re saving enough for retirement and you’re happy with how your pension is being invested. It's also worth checking whether your employer will match pound for pound any personal contributions you make, which is like a pay rise – or free money! – to your future self.
23 Manage your gadgets and appliances
It’s not a myth, a small amount of electricity is still drawn when a device is plugged in for charging. Instead of charging overnight, juice up for a couple of hours during the day and unplug to save on your electricity bills. This could save you as much as £30 a year, according to the Energy Saving Trust.
Did we mention that not defrosting your freezer is costing you more in energy, too? The more ice your freezer is fashioning, the more energy it uses. So, if the ice gathering around the inside is thicker than around 3cm, defrost it.
19 Paperless energy bills
If you ditch paper bills and become an online customer, you're almost always more likely to get access to a range of better deals and cheaper plans. Not to mention you can monitor and manage your account online or through a smartphone app.
#3. Pay off your credit card
With credit-card interest rates in Australia as high as 25 per cent or more, it’s easy to see how the rash use of a credit card can undermine even the most modest of savings goals.
Paying your credit card in full and on time is the best way to avoid interest charges and late-payment fees.
To avoid missing your repayments, MoneySmart recommends setting up a direct debit payment. And you should pay more than the minimum required, otherwise you’ll end up paying lots more in interest. If you can’t be trusted with a credit card, Canstar recommends taking a leaf out of your grandparents’ book: “No credit, no EFTPOS. Simply withdraw the cash you need for the week, and make it last.”
It may sound counter-intuitive given the advice above, but Andrew Schrage, co-owner of Money Crasher Personal Finance, reckons one creative way to save money is to use your credit card more.
But on one condition: “This tip only applies to those who pay off their balance on time and in full every month,” Andrew says.
“Find a credit card with a stellar cash-back rewards program and every few months redeem your rewards and then put that amount of money into a bank account you have set aside for savings only.
Disclaimer : This information is general in nature only. While Budget Direct has endeavoured to ensure the information we’ve relied on is accurate and current, we do not guarantee it. Budget Direct accepts no liability for this information.
The double whammy of flat wages growth and rising living costs, most notably housing, has made saving money more difficult than ever for many Australians.
Saving can seem like a pipe dream for many of us at the best of times. But according to a 2020 Financial Literacy survey from Savvy, 51.3% of respondents pay their credit card bills on time each month. And a further 41.75% of respondents also keep track of their expenses using a range of financial apps.
Here are some 11 things you can do to boost your chances of successfully saving money. Not only for your short-term goals, like a holiday, but long-term ones as well, like building up a home deposit:
#8. Plan your meals
Meal planning is one of the easiest ways to save money, says Kalpana Fitzpatrick, the founder of MummyMoneyMatters.com
“If you know what you’re eating for the week and have shopped accordingly, there’ll be no need for random visits to the supermarket. Extra visits result in your spending more money and even wasting food.”
It will be even easier for you to stay within budget by buying all of your staple items at lower-priced stores like Aldi, says Choice.
simplesavings.com.au advocates using the food you already have in your cupboard, pantry, garden and freezer to save money.
If a family of four does this, it won’t have to spend more than $21 on its weekly groceries. Which is roughly $300 less than a household of that size typically spends. Do this one week a month, and in a year you’ll save about $3,600. The key to the ‘$21 Challenge’, says simplesavings.com.au member Mandy Danko, is to do a stocktake, a menu plan, and shopping list.
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