human
What are the best ways to save money on my monthly expenses?
assistant
The best ways to save money on your monthly expenses include: 
1. Cutting back on luxury items such as nights out and takeaways 
2. Shopping around for better deals on necessities such as utility bills, home insurance and car insurance 
3. Making your own lunch to take to work instead of buying 
4. Eating out less and using coupons and discount codes when available 
5. Cancelling subscriptions you no longer use 
6. Finding a side hustle to increase your income 
7. Taking advantage of cashback and loyalty cards 
8. Setting up a budget and tracking your spending to stay on top of it 
9. Minimizing energy costs by making energy saving changes in your home 
10. Negotiating with your current creditors to lower the interest rates.