Minimise your holiday grocery bill
African consumers thiamvesbdeueen tfoacriencgetnotuignhǦ OUTH creases in fuel ’rices as ell falsatriiosnin. g interest rates and inǦ thTehse’sen’driincgethiaktecsocnosu’ml edrsitilhl sboendǡ oinincgluduinrigng ltahcekfersitdivaey saenadǦ
ohuritshtmAfarsicsahnos’n’einedgǡtmo e’arnactthisaet tohesitr egtocohdthmeoirnmeyonmeayn. agement obldigeanttiiofnysyǡ oanudr cmhoesctkihmo’omrtuacnht
Plan early sy’oeuncdaonvreeratlhisethicoallildyayasff.ordhitloe yaonud melaeyctfreieclitliykehisk’elsuragriengaǡnftoicoidǦ a’natdeudnniefortmyebairlǡlsandilslcbheoodlufeeeins anuary. e frugal and allocate your money carefully.
BAubdugdegtet is a ’lan to hel’ you s’iethndyionugr. mt onitllhtlyakoerinteoekaclyǦ cinocuonmt yeoaunrdcuerr’eenntsaensdafsutuerlel saasvcinrega. te room for you to start
ith a budgetǡ you can ensure athnadtthyoatuyrosu’heanvdeian goiosdinamchoeucnkt
Syoof usakvniongse.achtleynyhoeurebaulldygoeutrǡ money goesǡ here you can make adustments to save even small afemctoivuenlytssǡaavnedanadlsloeahvoeentouegfhǦ money for une’ected e’enses
festive season is fast a’’roachingǡ and trheaislltyimdiegsoifntthoeeyvearryonhei’lse’olclkyeatns.d fuitnhǡ
HE
ghroiothceotrouyt’burrtiecaeksfeiuns’gtiǡvtmheeahnboyalin’dkea.oyT’mhleeea’arlreobnloethmnedietsartbihnlege emu’letci’talteiohnofloidramy amneyaolfsu. s etorecoaorke nsomt oenmeǡ obruet groeinatgtbi’rsofkoer.bringing the family together ithout thTehbeestoteornǡ beercyaouusec ans dthoeyhooulridgaryogcertsycslhoose’r’tinheg
Shop early
rsiesleǡcrteiosnulitninthgeinstaobreigsgerillbgileltfsomr yaollue.r and ’rices Another ay to save is to kee’ your meals manǦ
Keep the menu simple
TQUOTES
Too many people spend money they earned..to buy things they don’t want..to impress people that they don’t like. -Will Rogers
A wise person should have money in their head, but not in their heart. -Jonathan Swift
Wealth consists not in having great possessions, but in having few wants. -Epictetus
Money often costs too much. -Ralph Waldo Emerson
Every day is a bank account, and time is our currency. No one is rich, no one is poor, we’ve got 24 hours each. -Christopher Rice and emergencies.
Tracking and monitoring your s’ending is an essential ste’ in
Track your spending strtarcektcyhoiunrgsy’oeunrdimngonbyeyr.evoieucianng your monthly transactions on your
bagigeabbulcekǡ bs.y knee’inagyt’heom’leentuensidmt’oleoveersc’anensdavies that they choose a com’licated menu ith lots tohfeingrroecdeireyntȋsa.ndiltihsutoaȌrtbeirllsǡcdaensseuritcskalynad ddriun’k.sǡ TcohTmeark’eeacraaenlbobroeakansdaiegtdnyioiftiuecmarnlstissvtaevrtihsnuagstonynoiǦutneammmsaetdhieatetamanrsde.
Consider no-name brands
cnomt t’hreomeislleǦki no’acnkabgrianngdonramuaelsitǡ y. ith a small ualhiteynitgermoscerarythsehroth’a’ninagloǡ snhgoli’stfofrma afeny inggoroedǦ
Focus on quality not quantity
daibeunntsc.h oaftahveerrhaagveedaisfhees.greea’t itnhginregdsiseinmts’tlehabny acofencefnatnratatisntigcy’oluatreesf.fortsǡ and your budgetsǡ on bank statement to see ho you can cut don on unnecessary e’enses.
The only ay to kno if you’re ’gerottdinucgtaisgoto do’ryiocuerornesaegarocohd.
Be an informed shopper
These daysǡ ’eo’le sho’ in several aostna’lguinersec.ǡhtaohsmeene. tgimotheteosryaotisumtcoearsneǡ rtyeoosumeacarakcnhe brose in storesǡ then search onǦ line for better ’rices. naTnhceirael ’bsunrdoeneoefdeto’ecnasrirvyetmheaflisǦ
Contribute and share
singleǦhandedly. hare the res’onǦ seivbeirliytoyne ictohnftarmibiulytemǡ aenmdbyeorusǡalreet less likely to be financially and ’hysically ehausted. shoiuthldritsriyngtocorsetdsuocfe’ethtreoilrǡ ’eot’rolel
Plan ahead
tcthoenifsrou’lmleot’rotiinlocgnot.nhsienuogm’s’ǣletiocnanbyreddouincge
eave for sho’’ing early in the mtioonr.ning to avoid traffic congesǦ
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thlaeny tchaenirgseht og’ro’cinergitersi’frsosmo tohnaet store instead of making multi’le tTrriy’stotoddoifaflelroefnytosuhro’esr.rands in one tri’ such as sho’’ing and meeting for lunch ith a friend. aving can seem like an im’ossiǦ bsalevetadskbetofo’reo. ’loeuchaonhsatvaertnesvaevrǦ
Save
ainmgomunotnseoyf mbyon’euyttiinnagsasviidnegs fmunaldl euvaetiroynmimon’trho.vAessyyoouurcfiannanincciarel asisteǦ syaovuirnmgsofnutnhdly. ctoinstirmib’uotriotannttoththaet o’titeohone’raleseikd’eeebn’estfeohsre. estahveinygtsakceonctarriebuoǦf
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