Real-Life Money Saving Tips from the Pepper Team

Pepper Team members give money saving tips

 Estimated read time: 3 Minutes

Are you in need of some much-needed money saving inspiration? 

We asked the Pepper Money team to share the #MoneySavingTips that help them get that bit extra out of every dollar. Check out our team’s personal savings hacks and budgeting tips.  

Stop lunch from eating into your savings

“I’m passionate about cooking, so my money saving tip is to spend some time on the weekend preparing my lunch meals for the week ahead at work.

This ensures that I can have a delicious and healthy lunch every day of the week - all while saving on buying unnecessary lunches from the food court or restaurants.

If you do the maths of what you spend on lunch every day of the week, then the savings over a year could be significant.” 

- James

A secret saving stash

“My money saving tip is to have a secret bank account that my husband can’t see. This allows me to store away 5% of my wages to spend on holidays and other fun activities.”

- Jeni

Say Ciao to cravings

“How often do you buy excess stuff in the supermarket because cravings kick in and you walk out with the exact opposite of what you went in for? My solution is to do my grocery shopping online after having eaten a full meal.

This way I'm less likely to impulse buy and spend money on items I don’t need. Plus, there's no temptations from the freshly baked bread or BBQ chicken.

This also gives me more time back in my day to spend with my kids doing something fun – without them begging me to buy them snacks from every aisle.”

- Siobhan 

The five dollar challenge 

"My money saving tip is the $5 challenge! I put aside every $5 note I receive into a secret stash and see how much I've managed to save by the end of the year."

- Vase

The trusty rule of three

“My money saving tip is to follow the third, third, third method.

I never spend more than a third of my salary on accommodation – this used to be rent, and now it’s my mortgage. A third goes into my savings. The remaining third goes towards toward life expenses and having fun.


- Jen 

Shop with the season

“When I do my grocery shopping, I look at what the weekly specials are and try and buy whatever is in-season.

In-season produce is fresher, tastes better and is usually cheaper. Plus, when I couple this with supermarket specials, I get to challenge my cooking skills and discover some delicious new recipes."

- Michael

A fuelling app-vantage

“I use an app that searches the area I'm in for the best priced fuel, and allows me to lock the price for up to 7 days.

When I'm travelling, I look at prices along the route to find where I get the best price and lock it in.

On a couple of occasions, I have saved $20 on a tank of fuel.”

- Amelia 

Dave’s dining discounts

“My money saving tip is to look online at websites and apps before booking dinner out and about.

Sometimes you can sometimes save 30-50% when booking in advance.”

- David

Downsize to upsize your deposit

“My money saving tip is to save on rent when you’re looking to buy.

When saving for our first home, we moved out of our modern rental into a much cheaper place that wasn’t, let’s say, as comfortable.

This gave us that final push we needed to save the money for a house deposit!”

- Mel 

Cycling to cut commute costs

“My money saving tip is that I ride my bike to work, rather than taking public transport.

This saves me several hundred dollars over the course of a year – plus it keeps me fit, too!

It’s a win, win situation.”

- Adrian 

Information provided is factual information only and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require financial or tax advice you should consult a licensed financial or tax adviser.

All applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply. 

The results of the borrowing power calculator are based on information you have provided and is to be used as a guide only. The output of the calculator is subject to the assumptions provided in the calculator (see 'about this calculator') and are subject to change. It does not constitute a quote, pre-qualification, approval for credit or an offer for credit and you should not enter commitments based on it. The interest rates do not reflect true interest rates and the formula used for the purpose of calculating estimated borrowing power is based on the assumption that interest rates remain constant for the chosen loan term. Your borrowing power amount will be different if a full application is submitted and we complete responsible lending assessment. The results in the calculator do not take into account loan setup or establishment fees nor government, statutory or lenders fees, which may be applicable from time to time. Calculator by Widgetworks.

Pepper Money Personal Loans is a brand of Pepper Money Limited. Credit is provided by Now Finance Group Pty Ltd, Australian Credit Licence Number 425142 as agent for NF Finco 2 Pty Limited ACN 164 213 030. Personal information for Pepper Money Personal Loans is collected, used and disclosed in accordance with Pepper’s Privacy Policy & the credit provider’s Privacy Policy.

Pepper Money Limited ABN 55 094 317 665; AFSL 286655; Australian Credit Licence 286655 (“Pepper”). All rights reserved. Pepper is the servicer of home loans provided by Pepper Finance Corporation Limited ABN 51 094 317 647. Pepper Asset Finance Pty Limited ACN 165 183 317 Australian Credit Licence 458899 is the credit provider for asset finance loans.

Pepper and the Pepper Money logo are registered trademarks of Pepper Group Assets (Australia) Pty Limited and are used under licence.

Get in touch with a Lending Specialist

Tell us about your situation. The more we learn, the better we can help.