I’m expanding my business

Dear family, friends, newsletter subscribers, Facebook friends and acquaintances and most especially, followers.

Some exciting news…. I now only work part time and am focusing on building my side business into a full time business.

For those who have been following me, you will know that 2 years ago I started a meal planning business called Kashering Your Life. I help people plan their meals according to their dietary requirements and draw up their shopping lists. This helps reduce,not only the grocery budget, but also the amount of food being wasted in households.  My grocery spend is down 20% from 3 years ago when I started meal planning for myself and we waste a lot less food. While I cannot guarantee a savings of 20% I can guarantee that you will save money.

 

I have been on Chai FM radio with Alan Bender and The Yad Aharon show, as well as being interviewed for an article in People magazine South Africa.   I have written guest articles for blogs such as anniemation.co.za. and beingme.co.za. I am a volunteer ambassador for the Jamie Oliver’s Food Revolution, which aims to fight obesity and food wastage worldwide.

My advice on saving money in SA People Magazine in Sept 2015

I plan to hold workshops every 4 months on meal and menu planning including how to successfully use online grocery shopping. I have been working on my first new paid workshop which will be hosted as a private Facebook group and will run over 12 weeks.  This will include a free 20 minute Skype session before and after the course, as well as live and recorded tutorials, workbooks and resource tools to help you.

12 week FB workshop coming soon!

18 months ago I started “We’re getting Sorted” a Facebook group to help me get my home more organised.  This group is over 460 people strong, all with the aim to take control of their homes. I am now incorporating it into my business.  I do not come into people’s homes and re organise or declutter; what I am doing is giving support for you to do it yourself, while holding myself accountable, by working on my home alongside the members of the group. As this group grows, I hope to invite experts in decluttering to give us advice and help, as well as hold competitions.

For 45 years being a nurse was my passion.  I was 5 when I decided on my career path. Now my passion is helping people who would like to take control of their health and that of their family through meal planning.

With our rand in junk status, now more than ever, we need to find ways to make our money stretch. I am looking to help as many people as possible. If you are interested in working with me, or know of someone who could benefit from either a course or one on one sessions with me, please feel free to forward them my contact details.

You can find me all over social media. Twitter: @adibog; Instagram: kasheringyourlife, my FB page: https://www.facebook.com/kasheringyourlife/ or drop me an email at adrienne@kasheringyourlife.co.za.

Thank you for taking the time to read this.

Sincerely

Adrienne Bogatie

Winging it with a meal plan!

You like winging it in your kitchen. You want to meal plan but you hate recipes! No problem.

Meal planning with no recipe

Meal planning is about more than recipes, it is about a lifestyle change. Simplifying your life and making time for you to spend doing what you prefer. It also saves you money.

My Meal Plan
Meal plans don’t have to have a recipe

In a previous blog post we looked at themed meal plans and that is where not following a recipe will fit in. Dinner Theme Meal Planning

Your meal plan template allows you to go to the store and use your imagination for ingredients.

Using a template

If you step into a store with the idea in mind that your main meal ingredient is chicken, you then can decide while in the store or in your pantry what other ingredients you will be adding to make this into a healthy balanced meal.

 

You don’t need to only plan your main ingredient; you can even plan your cuisine. An example of this is Mexican + Meat. Now you can go to the store knowing you want to buy meat and spicy/tomato ingredients.

This method allows you to make use of specials, as well as not buying too much and having it sit in your kitchen and go to waste.

While this is a method I do not think I could use successfully in my home I do think that it would be very successful for single people, college/varsity students and possibly stay at home moms (as an excuse to get out of the house possibly?).

Singles

For single people meal planning can be a little tedious and most have a fairly fluid social life.

This means if you meal plan for more than a week in advance you will likely have food going to waste. Just having your template can work not only for meal planning, but also for your social life.

For example if you have Fish on your template for a certain night, then you can use this to help decide on a restaurant if you are going out for dinner. It can also be used to decide whether it is canned tuna or perfectly seared tuna steaks, whichever you have time for.

College/Varsity

For college/varsity students living either in an apartment with other students or on campus where you only have limited way to prepare foods, then this method will also help with budgeting and saving money.

Having a template and being able to use that to decide on your ingredients will be a big part of your life. Students living in res will usually only have a kettle and microwave and this can to a certain extent limit your options, go online and search for ideas to help you.

Going online to look for microwave recipes will help. Instant noodles are very versatile as a base for some great meals. These can definitely be bought in advance and then dressed up, with ingredients bought fresh on the day.

Choose your flavor of noodle and then add. For example choose a fish flavoured instant noodle meal and add some salmon off cuts and a tablespoon of cream cheese for a delicious supper.

Instant noodles
Buying instant noodles and dressing them up with fresh ingredients is a great way to budget your food bills

For those sharing, it will definitely help you with your food budgets.

Stay at home moms

Staying at home to raise your children is an amazing thing to be able to do. If you are the type of mom who wants to stay at home, and if your finances allow you this option.

There does come a time, however, when even the most dedicated moms need to get out. Going to the mall and buying your groceries can fulfill this need two fold. The first is retail therapy without feeling guilty for spending money; the second is feeding your family nourishing meals.

Shopping without a recipe can allow you to choose ingredients that are versatile in terms of the ages of each family member.

I love hearing how people go about deciding what’s for dinner, so why not let me know how you decided and what methods work best for you?

10 reason to grocery shop online

Here are 10 reasons to grocery shop on line. In June 2015 I started this blog and in the first article I spoke about how much I saved with online shopping.  Nearly 2 years later, I can still say it is worth the hassle.

Yes it was a huge learning curve on how to do the online shopping and still get everything I ordered. I have learned the best days to order, what I can’t order and what I must specify as ‘no substitutions’. The first time was really painful!

1.     You can shop anytime

Our country is held hostage by the taxi drivers, staff at the end of the day are in a rush to get off work so they can catch the last taxi of the day. If you are late finishing work you don’t have to rush to make it before the store closes, because there is no closing time.

Shopping times
Online shopping is 24/7

2.     No rude staff

I have to laugh when I see the signs on the tills that remind staff to greet the customer with a smile. I have seen this very rarely. Customer service seems to be a vague concept that they are taught and then promptly forget. The staff is quite content to carry on their conversation about the evening before, what’s happening in their favourite soapy or how the new ‘protocol’ is unfair or the boss is rude. This is whether the client speaks their language or not.

3.     You can wear your pajamas

There is no dress code. Now I have seen people (mostly women) at the shops in their slippers, hair in curlers and once at my local store a lady in her nightie! I am not saying you must get dressed up and made up to go to the shops.  I know some would disagree, you never know who you might meet! At least in your own home you can happily do your shopping in your skivvies if you want, no one will judge you.

pyjama-shopping
Image courtesy of CSN Media.

4.     Your stuff is safe!

Shopping from the comfort of your own home, means your wallet, cellphone and children are safe. There are no pick pockets or child snatchers around! No worries about keeping your handbag close or people distracting you so their sticky fingers can lift your property.  You don’t have to worry about someone jamming your locking signal and then making off with the contents of your car or even your car itself.

5.     Guilt free parking

Since you won’t need your car, you don’t need change for the ‘car guard’ to help you unpack your trolley or help you reverse out the parking that you got into quite easily on your own.  I don’t always have change as I use my card for most things and then I put that in my phone cover and leave my bag at home. I have a savings option on my card, where the total purchase is rounded up and the difference is put into a little savings account.  Sometimes when I do have some change with me it is only 50c or so and I feel guilty that with my huge shopping trolley all I can give is some tiny change. I did try once to give a guy a can of food and he handed it back to me with a disgusted look.

6.     You save money

One thing about online grocery shopping is that impulse buying is reduced to a minimum. You have your list and you search for those items only.  There are no checkout counters, so no sweets or chocolates to tempt you. You aren’t wandering up and down aisles and taking things off the shelf, because they caught your eye.

Another thing I learned to do is to open the profiles of the stores that offer online shopping and compare prices. You can shop at 3 stores at once (maybe soon other grocery stores will offer online shopping). You get to choose your products and make use of any specials that are offered.

7.     It’s environmentally friendly

When you shop online you have the option of saying no to plastic bags! This not only helps the environment, it helps your pocket too. The delivery arrives in plastic containers, which are then unpacked in your home, no having to worry about carrying heavy stuff or plastic bags breaking.

8.     You can shop in stages

One thing that I am sure has happened to you, I know it has happened to me more than once. In fact it happened just last week. You are in the store and shopping is taking longer than planned. Suddenly you realise the time and you have to be at a meeting or fetch the kids from school, an extra mural or a friend. This means you are either going to be late, not going to be able to complete your shopping or have to abandon your trolley all together and come back another day. You land up with your shopping

Shopping online means when you can come back all your groceries are still in your trolley where you parked it. You don’t have to start again; nothing is going to go off, because it sat in the car while you did lift schemes.

9.     You can take as long as you want

This goes a long with the last point. You can shop in stages. It can be days or weeks. You can add to your trolley anytime you want.  If you log on and add to your trolley as soon as something is finished in your cupboard, you will not leave anything off of your shopping list.

10.                        No children

Shopping with babies and small children can be difficult. Having to push your trolley and control an over tired toddler can cause any mom to have a meltdown. Shopping online means you avoid, cranky, tired children, your own children and other people’s children too. It also means that if it is nap time, you can stop shopping, put your child down for a nap and go back to shopping. There is no nagging for this toy or that sweet. This applies to children of all ages.

Shopping with children
Image from http://whattheflicka.com/tag/shopping-101-guide/

For breast feeding mom’s it means you can feed in comfort while still doing the shopping. No one complaining about you feeding in public, no having to go feed your baby in the public bathrooms either or going to sit in your hot car for privacy and then having people look in your window.

Some smaller stores allow you to phone in your order and they deliver, this is usually the butcher and specialty stores and has the same benefits of online shopping.

Do you online shop and if not, I would love to hear why not?

Are you Proud of your Pantry?

What’s in the pantry?

Your pantry cupboard is an important part of your kitchen. If this is in a mess and dis-organised, it is not only difficult to decide what to make for dinner, but it also wastes money.

I got this cluttered grocery cupboard picture off frugalfindsduringnaptime.com

How many times have you gone to the store bought something only discover on your return that you already have 2 or 3 of the same product in the cupboard already! I own my kitchen, do you?

Hoarding Cans

Being kosher means that we can’t always get a lot of food stuffs, so I developed a habit of buying unusual kosher products, which then sat in my cupboard for years. Last year I got rid of 2 cans of waterblommetjies. They had expired 3 years before.

Expired food

The expiry dates on canned good is not really an expiry date but more of a date of when the producers will no longer guarantee the quality of the product inside. As long as the can is not bulging your food is safe to eat.

I did think, however, that having sat in my cupboard at least five years and still not been used in a recipe, it was unlikely that I would ever make a waterblommetjie bredie (stew). There were also other products that needed to be tossed.

Keeping your pantry cupboard tidy and organised is a must if you want to stop wasting time and money. If you ask a family member to look into a disorganised pantry cupboard and pick something to make, 9 times out of 10 the answer will be, ‘there’s nothing to eat’!

Keep like with like

Keeping items of a similar kind together will definitely make your time spent in the kitchen easier, cut down on your grocery bill and allow you to use up products before they expire!

My very neat pantry
My Pantry cupboard is still the most organised place in my house

It doesn’t need to be OCD tidy to be organised. If you have all your baking ingredients, your pasta’s and cans on their own shelves, condiments together on another shelf and spices together on a different shelf, you are what I consider organised. Items don’t need to be alphabetised or facing the same way, unless that’s what you want of course, but being arranged like with like will be enough.

Join us

Follow in the group as we get through the week with short daily tasks to organise the pantry cupboard https://www.facebook.com/groups/gettingsorted/.

Meal Planning and budgeting: They go together

A meal plan can save you money. If you are budgeting you need to do this

Even if you think you are good with budgeting, you may be wasting money without even realising it.

vegetable specials
Can you use all this?

My first time

The first time I created a meal plan and took the shopping list with me to the store and stuck to it, I spent less than ever. I didn’t have to worry about whether my card would have enough money in or not.

Feel like you are earning more

Since then my saving skills have gotten a lot better, at one time my eldest daughter even asked if we were earning more money. In previous months, by the last 10 days before payday the pantry cupboard, fridge and freezer were ‘empty’ and now there was food to be had all the way through to the end of the month.

More month than money

The truth is that the pantry while on the lean side, wasn’t empty but because there were no meal plans, what was in the cupboards didn’t seem like food, so we ate a lot of pasta in those days.

My very neat pantry
My Pantry cupboard is still the most organised place in my house

Alternative shopping

Literally from the first month of meal planning all that changed. I ‘shopped’ in my kitchen first and did an inventory of what I had. I took this inventory and scoured my recipe books, then stumbled across a site called ‘myfridgefood.com’. On this site you type in your ingredients and it searches the internet for recipes using those ingredients. I then drew up my shopping list for the items I didn’t have.3 Steps to Mastering Your Grocery Bill

In house trainning

I did have to retrain the family to not help themselves to whatever they wanted. The salad drawer in my fridge has been turned into a snack drawer. Anything in the drawer can be taken without asking permission first, the rest is off limits, without consulting me first.

Now that we have a meal plan in place, we are also discovering a hidden saving. There is almost no food wastage any longer. I only buy what I need, occasionally I will get something that isn’t on the plan. Often, this is the food that usually gets thrown out.

Planner on my fridge
Menu planning on a magnetic board and stuck on the fridge, so everyone knows what’s for dinner

My meal planning is not perfect, when I am stressed, or tired, I will either not plan properly, or just ignore the plan all together.

10 simple ways to save money with meal planning.

  1. Create a meal plan, whether it is a weekly one, or like I do, a monthly one.
  2. Based on your meal plan draw up a shopping list and stick to it
  3. Look out for bulk specials, then cook and freeze for later. Once frozen, you can put it into a future meal plan.
  4. When possible, plan using specials that appear in the local papers.
  5. Whether you have a meal plan and shopping list or not, do not shop when you are hungry, tired or feeling sick. You will then most likely not be able to stick to your list and you can end up buying food you don’t need
  6. Don’t go to the grocery store more than once a week if possible. A minimum of 10% of the final bill will be things that you don’t need but rather that you want. This is costing you money.
  7. If possible do not take husbands and children with, this definitely costs you more!
  8. Shopping in your kitchen, before you go out to a store will also prevent you from buying food you already have and then wasting it.
  9. Buying bigger size packages is not always cheaper. Compare the prices first.
  10. The store brand is also not always cheaper than the well-known brand. Check first.

A little change, can make a big difference.

Change
A little change can make a big differencs

Couponing in South Africa

Do we have coupons?

Couponing is big business in the USA, reality shows abound on this topic. Here in South Africa though, we don’t really have coupons.

Couponing in SA
Coupons are a great way to save money

Years ago we got coupons in our subscription magazines and the weekly local papers. Those days are gone.

Except for PnP VIP vouchers for senior citizens (only available for use in Hypermarkets) most South African coupons are in the form of an app or a loyalty card and they can save you a lot of money when used correctly.

Do you know what is out there? Are you using it effectively?

The first one under the spot light is:

PnP Smart Shopper card.

Smart Shopper card
save money to use later on your grocery shopping

If you don’t have one, I suggest getting it. Whether or not you like PicknPay the card is worth it.  You earn points which can be converted to cash, there are discounts and often in their brand match campaign, when you swipe your card, at the end of the till slip either has the message ‘you saved ….  on this purchase or ‘get R… off of your next shopping”. I got a slip once that said I had R84.50 off of my next shop.

Often they will have items for sale where you earn extra points when you swipe your card.

You get vouchers when you swipe your card at different times if the year, these are specific to your spending habits. You get extra points to use during your birthday month.

Earn points and to use for shopping or even travel. I like to accumulate my points for a year and then use them for my grocery shop, I often land up only having to pay half my bill and sometimes even less. The points expire after a year.

A big plus for me is the Fresh living magazine which you get free with your first purchase of the month, if you have a smart shopper card. I have found and made some amazing recipes in the magazine.

 Woolworths

Woolworths cards
Choose either a store card or a credit card

The Woolworths store card which you can only use at a Woolworths store also gives great discounts, however, it works like a credit card and you are charged interest on your balance.

In the instance of the Woolworths credit card these each have different quarterly discounts depending on the colour of your card, you also get a % back for using the card at other stores. You also get a voucher for a free “Taste” magazine (on the black card). These are credit cards and can be used anywhere.

Spar loyalty

Spar has two options, a loyalty card, which can only be used at the Spar that issued the card and the Spar rewards program, which you need to sign up for on your pc and gives you rewards just for signing up, plus vouchers that you can use at participating stores, you also link your loyalty card to the rewards program and earn more points. Then download the app to your smartphone. You will receive your vouchers on your smartphone; you type the voucher number into the keypad at the till to redeem your rewards.

Checkers

Eezee coupons
Phone app from Checkers

The Checkers Eezee coupons app for your smart phone allows you to ‘book’ your specials and when you get to the till you type in the voucher number that the app generates and it will give you your discounts.  I have once been able to buy a product with the app and combined it with another coupon app and landed up pay R5 instead of R65 for my item.

Clicks Club Card and Dischem

While neither of these are grocery stores, a lot of us do our shopping for toiletries at these stores. Their loyalty cards do offer great savings and bonuses.

Bank Cards

When using banks cards together with loyalty cards you once again increase your savings.

Unilever deals

The Unilever deals site is accessed from your computer. They have very good discount “coupons”, either two for one or often between 25%-50% off. I once spent R5 on Omo washing powder as it was on special at the store, plus I had the Unilever code.

SnapnSave

Snapnsave
Snap n Save app can be used an many stores

An app that allows you to ‘book’ specials on your phone. Once you are done shopping, you upload a picture if your full till slip, then gives you money back in their virtual wallet that you can use at one of many partner stores.

I am sure there are some that I have missed.

How are you using apps and loyalty cards to save you money? Did you even know we had so many?

 

 

 

The technology of meal planning

One of the aspects of meal planning that people often find difficult, is recipe searches and looking for ideas on what to make.

Modern technology can help you out here.

There are a lot of meal planning apps out there for you to use, some are paid for and some are free.  All are useful in one degree or another.

Today I am writing about some apps that I have tried out either paid or free.

The first one is on my computer, not my phone

Plan to Eat

This is a click and drag app that allows you to plan 3 meals a day plus snacks. I use the snack option to plan school lunches. It also creates your shopping list.

The only problem I really have is that they only have American stores listed. Obviously they can’t list from the entire wold.  They do have a blog that goes along with the app, so that you can read more on meal planning.

One of the things that I have had to do is create ‘recipes’ for school lunches which enables me to click and drag, otherwise you need to type in the ingredients for every single item in order for you to generate an accurate shopping list.

You can share you recipes with friends who are using the app or keep them private if you wish. You can also import and save recipes from  your favorite websites (except mine for some reason). Not to worry though most of my recipes are on my profile and are accessible to the public.

The app is $5 a month and for me it is totally worth it. https://www.plantoeat.com/

My Meal Plan
This is a screen shot of my meal plan on the PlantoEat app

The next app works on both your android phone and computer. This is a free app

Pepperplate

Pepperplate
Pepperplate app

You need to create a profile on the computer and then sync it to your phone to use it.

The biggest problem I had was that I could only import a recipe from one of their supported sites. This meant that any recipe that was from another site had to be manually inputted.

Once you have your recipes uploaded you can then plan your monthly meals and the app generates your shopping list.  Since the app syncs to your phone, you will always have your shopping list with you.

My favorite feature is that if you are having a special event or gathering, this app allows you to plan the menu, starters, mains and desserts, once again creating your shopping list. https://www.pepperplate.com

Recipe convert app

This phone app is great for converting your recipes from Imperial (US) to metric (most of the rest of the world), whether it is fluid or weight that needs converting. It is also great for when you need to use a recipe that feeds for but there are six of you or only 2 of you.

I have only been using it for a short time but I have found it very useful. You can find it in the play store on your phone

There are two other apps that have good reviews but I cannot test them out as they are only available to iOS phones via the iTunes store and aren’t supported by android.

Cloud-Freezer

Cloud Freezer

This app is apparently more of an inventory app than a meal planner app. I love the idea of having an inventory of my kitchen on my phone. You would avoid buying something you already have. Found on iTunes

Meal Board

Meal Board meal planner app

This is the second iOS app that I found which had great reviews. It is apparently a combination of Pepperplate and Cloud-Freezer. It takes time to set up, but it is apparently worth the effort. Found on iTunes

Disclaimer: I have not been paid to review any of these apps.

I would love to hear if you are using a meal planning app, which is it and what you like about it.

Meal prep will change your life

Sliced and prepped
Having you fruit and vegetables prepared before hand can save you time in the kitchen

Meal Prep is going to make your life a whole lot easier!

Too tired to care

At the end of a long day the last thing you want to do is stand in the kitchen peeling and chopping vegetables.

Meal prep is the way to go. I don’t cook anything that is going to take more than 30-40 minutes from start too finish. I am too tired and there are other things I want to do when I get home from work.

vegetable specials
Prep and freeze these correctly and you can save yourself time and money

Meal prep is also a good way to be able to buy your vegetables in bulk and then freeze. Remember if they sell it frozen in store, then there is a way for you to freeze it as well.

An hour a week

Spending an hour a week prepping and freezing a whole lot of things from onions to bell peppers will save you time in the evenings when you get home from work. Just pull the ingredients out the freezer and toss into your meal. If the vegetables have been frozen correctly, they will retain their texture, colour and flavour when cooked.

Obviously, if you have help at home or or slightly older children (9 years old or more) then they can be used to prep your vegetables or even cook supper occasionally. The children will not only learn to cook and learn about fresh ingredients but also gain a sense of independence.

In South Africa, for the most part, children know what a potato is in its natural form. How many children know that store bought or restaurant oven chips are made from potatoes?

Involving children in meal prep will also let them appreciate why dinner is not on the table as so as they want it. It gives them a new perspective on the food that is cooked and, maybe, encourages them to try and eat new things. Having them help with the cooking gives them a new confidence and a feeling of pride when they can say they helped or made dinner.

Do you have a little mini chef in the kitchen? Do you meal prep?

Help Wanted for New Beginnings

Help Wanted

I need help! When I started my blog “Kashering Your Life”, I did not really expect the response that it received worldwide. The simple blog with which I started has grown into a company and it is now as far as it can go in this configuration.

My first logo!
My first logo!

In order for it to grow and prosper the blog needs a complete makeover. Everything from the name to the colours, logo and possibly, even the tag line needs to change.

My 2nd Logo
My 2nd Logo

This is where all of you come in. First we need a new name; the name must obviously reflect what this new company is all about. We will be running a competition for the name.

My current logo
My current logo

When you post your name suggestions, either in the comments of the blog, or on the FB page, you will go into a draw.

Winning name

I will count the top three name suggestions according to the ‘likes’ they receive and the people whose names receive the most ‘likes’ will receive a prize of a magnetic weekly menu planner board.

The person who suggests the winning name will receive a planning package, which includes a magnetic weekly menu board, a laminated comprehensive shopping list, a laminated monthly planner and a set of 60 printed budget envelopes. Remember to also look through other people’s suggestions. http://www.facebook.com/kasheringyourlife

Our mission is this:

This is my goal and the start of my mission statement
This is my goal and the start of my mission statement

We want to help busy people make living life easier by providing education and workshops on meal planning.

We want to promote health by providing two services.

I-Plan

The I-plan service, which means we plan your meals for the month, supply the shopping list and the recipes where needed.

The second service is the I-cook service, where we supply ready cooked, healthy diabetic friendly meals to people who are too busy to cook but would like to eat nutritious meals without the hassle. (Starting soon in the Johannesburg area only)

This competition is open to all new and old followers. COMPETITION ENDS 15 November 2016

Envelope Budgeting disadvantages.

There are some disadvantages to envelope budgeting. I am a huge fan of envelope budgeting but, let’s be honest, there are disadvantages as not every system is perfect. 5 Steps to successful Envelope Budgeting Envelope Budgeting- money management for everyone

Here are the four biggest disadvantages which I have found

The Family:

It can be tough to get everyone on board, especially if they have their own credit cards. The excuses range from it being too dangerous to carry cash, to I need this now and didn’t have the money so I used my card.

This is a constant struggle in my house. My son (AJ) and two younger children are better with it than my husband and my oldest daughter. AJ is naturally good with money and thinks about the cost of almost everything. My younger girls don’t really deal with money a lot as they do get an allowance. My youngest does seem to have got her brother’s money savvy habits.

The Money

To get the money to stuff your envelopes, you will need to go to a cash point, whether it is the till point at the supermarket, the ATM or even the banks, and this makes people nervous. You now also have to get home without spending all the money burning a hole in your wallet!

Budget envelopes
Budget Envelopes

The Complications

The process sounds simple enough, but what happens when you go to a hypermarket that stocks food, clothes and garden equipment and you buy from all 3 departments? This means that you will need to take money from different envelopes to cover the costs.

The Rewards

South African banking credit services are big on rewards on both your credit card and cheque card. When you use your bank cards to shop, you earn loyalty points but now are paying cash for everything.  You may feel like you are losing out.

envelope budgeting
envelope budgeting

As time goes by my family and I are getting used to using the envelopes and the disadvantages don’t seem so great.

Why not look into envelope budgeting? Do you use envelope budgeting?