australias tightest man

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    Toughh times call for tough

    Top penny-pinching tips

    *Avoid your family. Christmas and Easter gatherings are expensive and psychologically damaging.

    *Limit your mates

    *Ditch 'friends' who are living beyond their means

    *Don't fall for 'special day' marketing such as Mother's Day

    *Don't volunteer for committees. It can become a financial burden

    *Don't buy jewellery

    *A weekly black-out night to save on electricity

    *Settle for a basic barbecue rather than the latest outdoor kitchen

    *Buy a standard TV not a home theatre package

    *Dress your children in hand-me-downs

    *Don't buy toys for your children

    *Avoid two-for-one deals

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