In step 2, it is time to work out your grocery budget. Grocery budgets will differ from household to household. These are unique to each family’s needs, size, and ages. How to create a grocery budget A big family will have a bigger grocery budget. A family with a baby will have a different budget […]

Meal plan successfully Let’s start with step 1 for people who have never meal planned or who would like to plan better. http://kasheringyourlife.co.za/meal-plan-budgeting/ For those stuck at home with their families, I am sure you are learning all sorts of new things about your family’s eating habits. It is one of the reasons that step […]

Lockdown continues As we head into the 6thweek of lockdown and move to level 4 it is time to think about what follows. https://www.news24.com/SouthAfrica/News/see-these-are-the-permissions-and-restrictions-for-level-4-lockdown-20200425 While we don’t know when lockdown will be lifted, life will definitely not be the same for a while. What happens after lockdown?  It is an unknown chapter in our lives […]

Budgeting for a lot of people is not something they want to think about. When they do think about it, it creates anxiety and is filled with a lot of negative emotions. Some people though find creating a budget a positive experience. For them, budgeting is freeing. The first word that came to my mind […]

Going back to school can be expensive It’s back to school time again. I must admit it is going to be a relief to have the children occupied for at least part of their day. I am talking about teenager’s here, not just the little ones. Each year we get gulled into buying new stationery […]

New Year Resolution I don’t normally make a New Year Resolution (the Jewish New Year has come and gone); however, for 2020 I have made a massive resolution for the next decade. GET OUT OF DEBT AND STAY OUT! I did really well in 2019 to pay off my store cards and then when they […]

Cleaning your bathroom is something that happens every day but is it really getting clean?  And what about the cleaning soaps we use, are those that get the stains out, that good? House Cleaning Check list What did they use before the ducks and the gels? How did you get a bathroom really clean? Do you […]

Thank you, Checkers, for the Xtra Savings! On the 14th October, 2019 Checkers introduced their loyalty card, the Xtra Savings card, and within the first week they had signed up a million people!  I am one of them. The opening savings are, I hope, an indication of the future because those prices were amazing. Unfortunately, […]

Envelope budgeting has been around for years. There is a good chance that if you asked an older family member they will have either done it or heard about it. I have mentioned envelope budgeting in a few articles in the past and again recently. It is recommended by financial gurus such as Dave Ramsey […]

‘Cash is king’: If you always pay cash, you don’t get into debt. Somewhere along the way, this has been forgotten. I know I was aware of it before my children were born. Pay Cash My father never bought anything on credit except his house; I think my parents bought their first car on credit […]