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Who wants to save on monthly groceries?

I have had a number of questions from my mentees saying they have little capital, no capital or have no time to pursue anything else other than their 9-5 hence this post.

Napoleon Hill "The time will never be just right. Start where you stand and work with whatever tools you may have at your command, better tools will be found as you go along".

You don't need millions to start. Use whatever you have. Waiting for millions will only delay you. That is where short term goals and small long term goals come come in. Start with the short term goals. One small success will motivate you to do the next small one. Don't underestimate the power of compound effects. Remember it's not the amount that matters more, it's the plan you have.

Many of us talk about not having resources when the ultimate resource is resourcefulness and we all have it within us. If you are determined enough you will find the way. If you care enough and get people to care about you you will get people to help you.

Don't complain of having too little time, you have all the time there is -24hours a day. Set both priorities and posteriorities on everything you do. Discontinue things that are not important to free up more time for those activities that truely matter.

Success is good at any age but the sooner you have it, the longer you will enjoy it. (Napoleon Hill)

If you can find to work on someone's dream everyday, you can surely spare some time to push your own dream.

Below are tips on how to cut spending and save money.

Sort out your debt

The first thing to do before you start saving would be to sort out your debt. Those monthly debt payments are one of the biggest challenges when it comes to saving as it robs you of your income. So, to get rid of your debt, try using the debt snowball method where you pay off your debts in a specific order – from the smallest amounts to the largest amounts. It might sound impossible at first, but once your debt is all paid up, you can move forward and focus on your saving goals.

Grocery shopping preparation

It’s so easy to get caught up when doing grocery shopping and end up overspending on things you didn’t even plan on purchasing in the first place. You would have spent more than what you initially budgeted for leaving you with less money for your other monthly expenses. To avoid overspending, plan your meals a week beforehand. When doing this, check what’s left in your pantry as you might find an extra tin of coffee or baked beans that you can tick off your list. This prevents unnecessary spending. Another thing to do is to stick to what’s on your list, especially when walking down that luxury isle with all your favorite chocolates. Temptation is the biggest enemy as you end up buying things you do not need but want instead.

Do it yourself (DIY)

It’s shocking to see how much money we spend on things we could do ourselves. Before heading to the store, try doing it yourself. If by any chance, you can’t seem to hit the nail on the head, try asking a friend or neighbor for help. If you are in need of tools or materials, try borrowing from your neighbor or friend before heading to the store and spending unnecessarily.

Create a 50/30/20 budget

A smart way to manage your money would be to follow a budget, which means prioritising your spending by allocating portions of your income to your monthly expenses. This approach is where 50% of your income is allocated to necessities (needs), 30% is

HERE'S a PLUG 🔌 for those who want to buy Nova Luxury Tissues at factory prices.

Factory: NOVA PAPERS CC
Address: 5 Laub St, New Centre, Johannesburg, 2001
Phone: 011 493 7742

DEAR MEN.

- It takes PATIENCE to live with a woman.

- It takes PATIENCE to love a woman.

MARRIAGE will TEST your PATIENCE as a man. Start building it now.

A woman can make you go late for EVENTS back to back because she will take 3 hours to get ready, remember you only need 3 minutes.

If you are not PATIENT, you will talk to her in a manner or do something you will regret later.

A woman can Burst into TEARS just because you forgot to tell her I LOVE YOU before you dozed off to sleep.

A woman loves to talk, if you are not PATIENT as a man, you will SNAP one day and tell her woman, you talk TOO MUCH, Don't you ever keep quiet? And those words can damage a WOMAN'S SELF ESTEEM almost irreversibly.

A woman craves ATTENTION and PETTING, this can sometimes get on your nerves as a man and only PATIENCE will help you.

A woman can get angry, and you will use the full 45 minutes to APOLOGISING, if you are not PATIENT you can't keep her.

She will say she is not hungry, then after you buy only one BABEQUE, she will be dragging it with you.

You will both have a plate of rice before you, but she will leave her plate of rice and be eating yours.

When she is on her MENSTRUAL PERIOD, you will see DRAMA, and patience when she's PREGNANT, MAXIMUM DRAMA, PATIENCE.

You will run ERRANDS in MARRIAGE oo. HONEY SCRATCH MY BACK, HONEY HOLD ME, BABY TELL ME YOU LOVE ME, and you just said it 3 minutes ago.

My brothers, the truth is RELATIONSHIP and MARRIAGE will TEST your PATIENCE as a man. I have told you ahead. Carry patience and enter MARRIAGE.

Women are wonderful creatures. Fear WOMEN. This gender that will stand in front of a mirror just to CRY and CHECK if she is CRYING BEAUTIFULLY 😂 😂😂.

Basil Mutelia

Learn new skills via YouTube, then use those skills to pay your bills. 🚀

Crowdfunded travel WhatsApp Group Invite

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USE LINK ABOVE TO JOIN OUR FREE WATSAAP GROUP WHERE WE WILL TEACH HOW TO RAISE CAPITAL FOR ANY BUSINESS, SAVINGS ON AIRTIME/DATA etc

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