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Do you feel you are working twice as hard for half the money? Once taxes and inflation eat into your monthly pie?

The present situation is that the spiral effect of inflation has really eaten into our resources; we now have to think twice before spending each and every cent. Times are changing and so should our spending habits.

Does carrying lunch as opposed to eating out affect our bottom line? Does going to the supermarket once a month as opposed to every weekend have an effect on our budget? I dare you to make a few adjustments to your budget.

Kes 200 saved daily translates to a monthly savings of Kes 6,000, if invested for 2 years at an average of 10% per annum is Kes 158,681.49. Think of what that can do to ease the strain on the budget.

Hopefully the current wave of retrenchments of senior persons in the country will serve as a wakeup call that no one is safe, and if we have not invested to ensure our future is secure……. we are starting to do so immediately.

Elizabeth Karina