This is actually a very good tip that not many know about. Regular old-school banks usually charge around €15/quarter (every 3 months) for a basic bank account. And charge €30/year for a credit card. However many online banks offer all that for free, logic behind it is that they don't spend much money on infrastructure/employees like traditional banks so they can offer regular services for free.

My personal tips:


1. Use an online bank account (as opposed to traditional bank).

2. Always shop online for clothes and electronics. Never pay full retail price, even online (always look for newsletter codes...etc).

3. Do your clothes shopping off season. Most online shops offer significant winter sales (50%-70%) end of winter.

4. Sell your old stuff on eBay.

5. Buy less but better. Might sound counterproductive to spend MORE on a pair of shoes but in the long run quality products do save you money because they last longer. You don't have to look like a homeless man to save money.