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There is a lot of fun in starting a new year, but fun sometimes comes at a high cost, and we have to be aware of ways to save and manage our money throughout the year in order to avoid any distress. Check out some of the methods below you can use to save for a rainier day.

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Bargain hunting
Look for bargains and value deals during peak and holiday seasons. This is when prices normally may be slightly lower than usual as merchants will buy in bigger bulks at these times and at lower cost, so you can enjoy that lower price. An example is when you are buying expensive appliances that you need for home, so buy it at the right time. 

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Discounts and Rebates
Every ringgit counts, so why not save wherever you can. Some online apps such as Fave, Boost and others can give you rebates when you're buying food, drinks and other consumables. Other apps such as Eatigo can offer you substantial discounts when you are booking a place at a restaurant.

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Invest, Invest, Invest
Whether it is investing in a property for speculation, trust funds or even commodities such as gold or stocks, keeping your money tied up will prevent you from having the desire to spend it unnecessarily. Keeping too much cash in hand may cause you to end up spending it on things you don't need, so why not keep it invested in something that will gain value in the future. 

Cut your losses
Making all the money in the world will not automatically make you rich if you are spending too much. Find out where most of your expenses go and find ways to reduce it. Refinance your loan if you're interest is too high, invest in energy saving bulbs if your electric bill is through the roof. Have a vegetarian meal once in awhile if you're eating outside. It will be good for your heart, and your wallet!

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