Tip No 2. Shop Wisely – The first thing to do when shopping wisely is to prepare a shopping list of what you need and stick to that shopping list. Bring only enough money to pay for the items on your list and leave the credit card at home so there is no temptation to buy on impulse. Check out stores, local markets, supermarkets, and local shops that offer the best prices. Take advantage of promotional offers, as these can also be a great money saving tool.