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I want to make my expenses smarter

It’s easier than you think – try out our tips – choose the link you want to try out

I want to make my shopping for groceries smarter

I want to make my shopping for groceries smarter

Here are the simplest things you can do. Choose one that fits you best and apply them on daily basis

  • Shop with a shopping list OR take a picture of your fridge and cupboard before leaving to a shop
  • Do not go shopping hungry! You will buy less
  • Shop for cash only – set up limit for spending
  • Set up daily budget for spending for groceries
  • If you buy food at promotion, freeze it divided into portions (to allow partial consumption)
  • Eliminate waste of food: plan your weekly menu and shop accordingly. Prepare the menu based on what you already have in the fridge and kitchen cupboard.

I want to make my pleasures cost less

I want to make my pleasures cost less

Here are the simplest things you can do. Choose one that fits you best and apply them on daily basis

  • Set up daily budget for spending for pleasures
  • Purchase your everyday favorite drink only on selected days (most people choose Mondays, Wednesdays and Fridays)
  • Purchase your everyday favorite sweets only on selected days (most people choose Mondays, Wednesdays and Fridays)
  • Prepare tasty snacks at home at take them to the office instead of buying them on site.
  • Rent a book instead of purchasing.
  • Go to the movie theater during the week rather than on Friday or Saturday (when tickets are more expensive)
  • In the morning, pre-commit how much your will spend this day and stick to it.
  • You may want to put a reminder on the phone for each morning

I want to make my eating out smarter

I want to make my eating out smarter

Here are the simplest things you can do. Choose one that fits you best and apply them on daily basis

  • Once a weak prepare your lunch at home and take it to work.
  • Set up a weekly budget for eating out
  • Need to buy a baton every day? Buy it every second day!
  • Set up a reminder to take a bottle of water from home instead of purchasing it at higher costs in the city center.
  • Select the days on which you will eat out – most people select Friday and Saturday

I want to make my shopping for clothes smarter

I want to make my shopping for clothes smarter

Here are the simplest things you can do. Choose one that fits you best and apply them on daily basis

  • Shop for cash only – set up limit for spending
  • Purchase new clothes only every second month
  • If you find a cloth you want to buy, ask the clerk to keep it for you for two days and decide to wait with your purchase two days.
  • Agree with your family member that before buying unplanned thing you will call them to discuss the purchase.

I want to make my commuting smarter

I want to make my commuting smarter

Here are the simplest things you can do. Choose one that fits you best and apply them on daily basis

  • Use public transport instead of your car every Thursday
  • Use bike in the summer instead of your car to travel to work
  • Share the car with your neighbor to go to work – share costs

I want to spend less on utilities

I want to spend less on utilities

Here are the simplest things you can do. Choose one that fits you best and apply them on daily basis

  • Change the light bulbs into energy saving ones
  • Unplug appliances on stand-by mode (chargers, microwave, etc)
  • Take shower instead of bath to save on water.
  • Stop the water to run while brushing your teeth.
  • Turn off the light anytime you leave the room empty.
  • Cover the pod with a lid while cooking to save energy.
  • If you need to boil water for one cup of tea, boil not more than you need to save on energy.
  • Turn off the heating while opening a window (during cold season).


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You can offer the Financial Health Quiz to your Customers or Partners in cooperation with Microfinance Centre.

For further details please contact Kinga Dabrowska.

Microfinance Centre Financial Education Projects