Your Money: 20 tips for saving money in 2012

With Ireland still in crisis, living frugally is very important. Make 2012 the year you tackle your bad habits, writes Emma Kennedy.

22nd January, 2012
Your Money: 20 tips for saving money in 2012
Cut up your credit card to avoid pain later on. Photo: Getty

The first step to sorting out your finances and saving money in the process is figuring out where you are going wrong - or at least where you could improve. The best way to identify any financial bad habits is to keep a spending diary. Write down what you spend and track the trends.


Once you have identified what you actually spend, start thinking about where you can make cuts. Make a list of all...

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