When it comes to spending, we may take some things for granted which could result in us doling more cash out our wallets than is necessary, month-to-month. Consider these when it comes to your spending.


Debit orders from entertainment subscriptions can really run down your budget. Review all of your subscriptions and ask yourself if you need all of them and if they are giving you value. If they don’t, consider a downgrade or cancel the less valuable ones. The same goes for memberships to social, sports and culture clubs.

Bank charges

Take a look at your bank statements for the last 3 months and identify what your bank is charging you for. Once you have done this, you can consider changing your spending behaviour or changing banks entirely. If you are considering the latter, be sure to do some research on what other banks are offering.

Convenience spending

Eating out or using Uber Eats, pet grooming or house cleaning services. These are just some things that we use to make our lives more convenient but they drain our monthly expenses. Consider cheaper alternatives like cooking for the week or cleaning the house with a friend or partner. If you have time, this is a great way to save money every month.

Rewards and loyalty programmes

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Make the most of your rewards and discounts. Whether it’s points, cashbacks or discounts, there are many ways you can save money by doing the things you already do every month like shopping for groceries.

As a Momentum Multiply member, you get up to 12% in cashbacks at Pick n Pay, Makro and Dis-Chem, and if you save your cashbacks, you will earn interest on them in your Multiply Money savings wallet.

Download the Multiply Money app now!

You may also want to read this post on taking control of your money.