Tips to save money: 'Reduce credit card debt'

We asked you, dear readers to share your best tips on saving money. Navin K Singh shared these tips.

"Several people buy things they don't need just because they get it at cheaper rates. I do not buy things unless I really feel the need," writes Navin Singh.

"Reduce credit card debt and pay bills before the due date.

"I use public transport frequently as this helps me save ₹1000 every month.

"I buy only seasonal fruits and vegetables, thanks to which I save ₹500 on a monthly basis, and around ₹6000 yearly.

"Make a habit of keeping ₹20 aside daily, this will help you save ₹7200 every year. You can always increase the amount if your earning is higher."

We ask you, dear readers do you have any smart, effective and useful tips on saving money?

Have you applied these tips? Did it work? Share your tips and we'll publish the best ones on Rediff.com.

Write in to getahead@rediff.co.in with 'My tips to save money' in the subject line, along with your NAME, AGE and the place where you LIVE. Don't forget to send us your photograph.