<human>:  Can you provide recommendations for money saving tips?
<bot>: 
1. Create a budget and stick to it.
2. Lock away a portion of your income every month towards savings.
3. Pay yourself first: set up an automatic transfer of funds to your savings account on payday.
4. Cut down on eating out and ordering in.
5. Make use of coupons, discounts and loyalty programs.
6. Look for generic or store brands.
7. Shop secondhand.
8. Track your spending.
9. Limit the use of credit cards.
10. Renegotiate your bills when possible.