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善于利用公共交通
日常开销中交通费就占了不小的比例，像是汽油费、过路费及停车费等等。不如利用公共交通，同时还能避开塞车的困扰，一举两得！值得一提的是，大马政府也推出My100和My50无限次乘搭公共交通的月票卡！
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减少外食
相信超过9成的上班族都是在外解决三餐。其实只要花费半小时的时间，为自己准备一份简单又有营养的便当，才是即省钱又健康的做法。
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减低家庭开销
物价高涨的影响，几乎每一个家庭的开销也跟着翻倍。身为一家之“煮”的妈妈们这时候就要学会精明、变通，要知道如何调整家庭开销，例如货比三家、留意促销活动等。
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转换娱乐方式
平日周末逛街、看电影、咖啡厅等等的消遣，可以改为跑步、爬山、看风景、野餐等的健康行程。即能让你拥有一个充实健康的周末又不费钱。
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改变消费模式
面对物价样样上涨的无奈，我们唯有学着变通和改变。购买食材时选择物价便宜的，有打折的，尽量不囤积食材，避免造成浪费。贵的物品和不需要的物品，坚决不买，够吃够用便是。
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培养正确理财观
要相信“你不理财，财不理你”！没有记账习惯的人，一般都会面对支出超过收入的囧境。从现在开始要每个月记录支出与收入，好好掌握开销与经济状况，最重要就是保持存钱的好习惯。
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在外用餐不点饮料
不少上班族除了习惯在外用餐之外，通常也会点饮料。就算是最便宜的Kopi或是美式咖啡都好，如果能减少买饮料的次数，或是该喝公司提供的免费茶包或白开水，省下来的钱绝对你让你惊讶！
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