My little groceries experiment

Pictures taken before Easter, hence hot cross buns 🙂

I wrote last month about how I wanted to analyse our grocery spend as we hadn’t done this for at least four years.

Interestingly, my husband was far less concerned about the spend than I was and it turned out that his instincts were correct.

  1. We are well within what we budget for food which, I’m learning from these posts on the blog and on Instagram, is far below what many similar-sized families spend.
  2. We shop at Pick and Pay every week and about once every 2 – 3 weeks we do a Checkers run to top up on small fruits (for the kids’ lunchboxes) and buy chicken (I know, but there’s a certain chicken my local P&P doesn’t stock so we just go get that at Checkers).
  3. I still feel like we buy too many snacks (chips, nuts, chocolates, biltong) but as my husband reminded me, it’s really our only vice as we don’t drink alcohol or smoke or eat out a lot, and… we still keep well within the budget. Fair enough.
  4. Some things I found shocking from actually looking at the receipts is the price of cottage cheese (R30 a tub; 4 years ago R18,99), tissue refills (80 sheets for R15; 200 sheets for R22) and cereals (R40 a box!). A reminder to me that just because one option was better at one time doesn’t mean it’s still the better option – we will now be buying the full box of tissues.
  5. I used to shop the pantry and eat from the freezer in a fairly disciplined way but it slipped a bit over the years. Now I inventory the freezer before making my menu plan for the week and most meals are designed around using up bits of food so it won’t go to waste.  If you’re not intentional, you can keep buying without actually using the food already in your house.

I don’t purport to know your situation but if you’re looking for 3 quick takeaways, here you go:

Make a realistic menu plan. Don’t plan to cook 7 days if you’ve only cooked 3 meals a week for the last year. Maybe set a goal to cook those same 3 meals, but a double batch. And obviously don’t buy more food than you actually are going to cook. Maybe you’re being a fantasy cook?

Watch your food wastage. Be realistic about what you will, and not just intend, to use. I caught myself doing exactly this the other week when I thought about all the lovely winter veggies I wanted to buy. When I looked at the actual menu plan, we only needed two veggies and not four like I wanted to buy. I literally count the potatoes and buy exactly what we need (6 medium potatoes or 4 large potatoes). This goes without saying but shop with a list, on a full stomach.

Plan for easy nights. My goal is that we eat a cooked meal only 4 of the 7 nights. Fridays are eggs/ soup/ toasted sandwiches. One night is leftovers from everything before…. and the last night is usually beef burgers or fish fingers on a roll with lettuce/ tomato, and oven chips. Mondays are my longest days so that is always a freezer meal defrosted. When you only plan to buy what you realistically will cook and eat, you’ll automatically save money.

How has your grocery spending been in April? Is there a specific category (cleaning materials is usually a hot topic, or school lunches…) you’d like me to go into more detail on?

If you’d like individual help on managing your finances better, please contact me. Due to the personal nature of each person’s finances, I can’t hold a workshop where these things are discussed but I do individual or couples’ financial coaching.

Why you should have an essentials-only budget

  Now and again, I like to do a little financial experiment, which I call an essentials-only budget.

Usually I have a zero-based budget which means that every R is accounted for, whether to an actual expense like groceries or to a savings account.

Because of this zero-based budget, there is never any money left over at the end of the month and, in fact, I also have a little quirk where if there is some spending money left, I transfer it out of my account to my savings account so that there’s no “old money” left before payday.

Now let’s talk about an essentials-only budget.

If, for some reason, you or your spouse/ partner lost your job, your budget would look very different. Some expenses would fall away and you’d get back to basics, or essentials.

This is the essentials-only budget.

When I took a sabbatical from work four years ago, I worked off my EO budget. I stopped adding to my savings account because I was drawing down from my savings instead. I wasn’t tithing because I had no income except for a tiny bit from my online courses and interest on my savings accounts.

Our petrol usage reduced, groceries stayed about the same but because I had a closer eye on things, we weren’t buying a lot of junk, and I also reduced my personal care & clothes spending. The house and both cars were paid off, but we still had expenses like gym, insurance, school fees, and so on.

In short, my essentials budget ended up being about 35% of my actual budget.

So why would you want to do a budget like this while you’re employed?

  • It gives you a clear and accurate idea of what you actually need to bring in to live on
  • It also shows you how much you could do without
  • It gives you peace of mind – I’ve done this exercise every couple of years for about 10 years, and each time the amount is far less than I anticipate
  • If you’re planning an emergency fund (I highly recommend it, and it’s the reason I took the sabbatical in the first place because I had money saved), you have an actual amount of savings to work towards. The financial experts recommend 3 – 6 months; I recommend about 2 months longer than a recruitment agent thinks it would take for you to be placed 🙂

I recently did my essentials-only budget and this time, it’s 51% of my actual budget. That’s mostly due to the new house!

It’s still a very useful exercise to do, if nothing else but to set your mind at ease.

Over to you.

Do you budget? Do you do zero-based budgeting? Have you ever done an essentials-only budget?

Let’s talk about groceries and spending

One of the 18 in 2018 items on my list is to analyse our grocery spend because it feels like it’s out of hand.

Notice I said “feels” because I don’t know for sure.

I’m hearing lots around these days about grocery spend, money stuff, and so on, and so I decided to use the impetus on the internet to get this exercise done for us, and cross off that item.

A few bits of background:

  • We are a household of 4 – Dion, me, and our nearly 9-year-old twins. Most days, Connor now eats more than I do!
  • Our nanny is here every weekday and eats what we do for lunches (sandwiches and a piece of fruit) and the gardener is here one day but he doesn’t eat sandwiches so brings his own lunch.
  • The children grab a muffin or have a quick breakfast before school, take their school lunch with them, return home, have a small lunch/ snack and then supper.
  • I pack breakfast and lunch to take to work, and have supper at home.
  • D has breakfast at home, packs lunch for work and has supper at home too.
  • So we eat almost everything at home. All of that is considered grocery spend.
  • Cleaning products is also all “grocery” money as is toiletries for the kids. Specialised toiletries for the parents are for our own account, e.g. my shampoo, moisturizer, vitamins, etc.
  • We eat a lunch out on the weekends every second Sunday, and Dion and I have date afternoon once a month, but eating out comes out of its own budget. I don’t believe in takeaways so we never get food to eat at home unless for a very special occasion (Valentine’s Day).
  • I never waste food; I pack leftovers away and once a week we eat whatever’s there. No one is fussy in my house because the rule is “you cook for yourself if you get fussy”. I guess they hate cooking more 🙂
  • We shop weekly at Pick and Pay. I love the quality and I can get 98% of what I need. I have a tiny pantry. It’s smaller than at the previous house and I now consider it a game to use up all that food before buying more.

These are questions I’m asking of our household…

  1. what is our snacks vs real food ratio?
  2. are we shopping at too many stores? many people swear by this but that is precisely why the spend is astronomical, unless you are exceptionally self-disciplined and walk out with exactly what you wanted, and no more in quantity than you need. We have got into a habit of doing an “after church” stop at Checkers which is, on average, R300 a week. Thankfully we don’t go every week.
  3. have we used up all our food before buying more? Or are we lazy to get creative so we just keep buying?
  4. do I need to bring back a focused eat out of the freezer and pantry week every month?

What do you want me to talk about next in this series? 

Questions for you:

do you know what you spend on groceries? do you question whether it’s excessive or not? do you want to save money in this area or doesn’t it bother you?

PS The Frugal Girl writes a post every week on what we ate, what I spent. I love her blog – it’s mindful of money without being crazy over the top.

My no-spend-on-books month

I’ve done a no-spend month once before, years and years ago, when I joined Beth for her no-spend month.

That was a really great experience because it broke my Exclusive Books habit of spending hundreds of rands on books every month .

This time, I had an idea that my book-buying habit was getting a bit out of control because I was buying a title from Modern Mrs Darcy‘s list almost daily.

Even $2 – $5 Kindle deals add up… and fast.

Amazon also sends those almost-daily emails with their recommendations based on the titles you’ve viewed.

One day I looked and I had 31 unread titles on my Kindle – real books, not samples. And I’ve been reading on average 10 books a month.

I then decided this book-buying thing was getting out of hand and I decided March would be a no-spend month on books.

What did I do differently?

I unsubscribed from MMD’s list. It’s the same way I don’t ever take a catalogue or brochure from a store – if I don’t see it, I don’t want it. I will subscribe again when I feel more caught up with my current reading and I have told my book club to let me know if Small Great Things goes on sale 🙂

How did I do?

I’ve been waiting for Alec Baldwin’s memoir, Nevertheless, for over 6 months so the minute that became available on Audible, I pre-ordered it with a credit I had.

I somehow forgot about my no-spend March when I went to shop for the 2017 Library project and I picked up some books. It honestly didn’t even occur to me that I was buying books because in my head I had DIGITAL books as my goal. Aside from the 4 books for the library, I bought 1 for a friend and about 5 for me (!).

So I was successful with Kindle and Audible purchases; not with physical books 🙂

What now?

I’m back on the no-spend wagon. We have a mini-break coming up and I wanted some books for lazing at the pool so I bought some books on Amazon last week. Coming to an instagram feed near you 🙂

I do think I’m set for at least another 3 months so let’s see if I can keep up the no-spending challenge for books for at least another 2 months.

How about you?

Have you ever declared a no-spend challenge on buying books? Or make-up? Or clothes?

Speaking of which, I haven’t bought a watch since December 2012 and I now have only 3 working watches left. I’m going to treat myself for my birthday though (4 months away) or sooner if I see something I really want.

How I paid off my bond in 5 years and how you can too – part 4

Here’s part 1 which lays the foundation and mindset stuff, here’s part 2 which is the start of all the practical steps, and here’s part 3 with some more steps and one which may be too woo-woo for you 🙂

And now for the numbers. I’ll promise to keep this short just in case you feel like stabbing yourself in the eyes round about now 🙂

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  1. Paying the bond

If you look at amortisation calculators on any of the banks’ or mortgage originators’ sites, you’ll be able to see that you’re basically paying off interest for much of those 20 years. Only a tiny amount of each of your repayments goes toward the capital while most of it pays interest.

I did a quick calculation. On R1 million, your monthly repayment is R9983 (at 10.5% interest). The majority of that payment only swings towards your capital in month 162 (13 and a half years into paying off your bond of 20 years).

Scary stuff.

So the quicker you can start paying off that interest, the better.

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How to do this

The minute your bond is registered, make a payment. Preferably the entire bond amount but any amount will do.

Our bond was registered on 5 July. I had some problems with them linking the new account to my profile but it was finally linked a week later and we paid the entire bond payment immediately even though the bank only required the first payment on 1 August. Those two weeks meant that the payment was applied mostly to interest.

If you’re paying off your existing bond, do your best to put aside as much money as you can and pay it on the 14th of every month. Right now things are a bit…. tight…. but we could afford a small extra payment (due to rounding up) so I put a scheduled transfer on my bank account for the 14th of every month for that amount.

If we do nothing else but this tiny extra payment, we cut 4 years off our bond.

Did you get that?

If we do nothing else but this tiny extra payment, we cut 4 years off our bond.

If we get to the point where we have half a bond payment extra every month, we reduce the term to 8 years, and if we work up to doubling our payment, we pay it off in 5 years.

I can’t wait for my next salary increase to increase that payment 🙂 🙂

This is the slow and steady way but that’s not really my style. I’m believing for much bigger results, like I shared in the last point of this post.

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If you’ve been paying only exactly what your bank requires, then here’s what you need to do:

Diarise to get a statement at least every 3 months.

If you do your main banking with the same bank who granted your loan, then make sure your profile is linked, and actually look at your statement at least every 3 months, and if you’re now obsessed because of my posts, then make it a part of your monthly review.

Here’s something else that is small but practical to do.

If your bond is R5678 (random number), make a quality decision to find R322 in your budget so that your total payment to X Bank is now R6000 per month. All I did was round up.

Now go to your bank’s website and set up a scheduled transfer/ payment to your bond for that amount on the 14th of every month (or 14 days from your scheduled debit order).

If you’re thinking, “how is this possibly going to make a difference?” let me tell you it will.

You’re developing the right mindset of single-minded focus.

You’re taking action in small steps now but those steps will grow soon.

These days we’re so fortunate to have technology (all the heart eye emojis); when I was obsessed with paying off our first home in the late 90’s, I’d walk to the bank in the CBD every 3 months and get an actual paper bank statement to encourage me in my efforts. Now I just log into the app and I can easily see the reducing balance.

How is all of this resonating with you? Does it feel like too much hard work? Do you feel overwhelmed? Let’s talk.

This is the final of the official posts. I so hope this was valuable to some of you out there. Please let me know to encourage me too.

Next time up I’m answering questions so let me have them.

How I paid off my bond in 5 years and how you can too – part 3

Are you enjoying this series so far? Remember to let me know if you have any questions in the comments and if they require long answers, I will write a separate post at the end of the series.

Here’s part 1 which lays the foundation and mindset stuff, and here’s part 2 which is the start of all the practical steps.

Let’s move onto the next couple of steps:

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  1. Don’t subscribe to “I deserve it” thinking

I hear this so often – I work hard and I deserve to have a nice car, or whatever.

Let’s be honest – there are many people who work much harder than some of us but due to circumstances they were born into don’t have as much in the way of material possessions.

So I’m of the opinion that while we all deserve things, that doesn’t actually fly with justifying your desires for all the latest material possessions – cars, gadgets, clothes, etc. you want.

I like to say, “I deserve to have my bond paid off quickly because I’m working hard on that goal” 🙂

Yes, by all means, treat yourself, but make it an appropriate treat. You can’t spend such a lot and still want to pay off a bond quickly. Unless you earn a fortune. In which case, this post won’t interest you at all.

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  1. Have no sacred cows

Dr Phil used to say (he might still say this – I haven’t watched his show since the twins were born), “you can’t have any sacred cows”. What that means is that nothing in your budget is untouchable.

“You can trim the grocery bill but I’m not giving up my big car”

The truth is if you want to make a big impact, then look at big expenses like cars, schooling (in some instances), holidays, and so on.

Sadly, one of our biggest line items on our budget in the last 6 months was water and electricity. How crazy is that?!

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  1. Step out in faith

With the last house we paid off, I remember going to work in the first week of January after about three weeks off from work. My boss, who knows all about my goal-setting behaviour, asked me if I’d set any interesting/ fun goals for the year ahead.

I took a deep breath because it was a big, scary goal, and said, “well, funny you should ask, but this year I plan to pay off that bond”.

It was way out of reach by normal standards but I had a sense that this was a stretch goal we could do.

Long story short but that’s exactly what happened.

Some hard saving from us, some unexpected monies here, a bonus there, a tax refund from SARS and it was done. In other words, a lot of smaller things helping us towards our goal.

It’s not magic, but there is something special with putting your intention out there, and believing (and receiving) answers from God as to how these big dreams will come to fruition. And let’s face it – had we not had this big goal we were working towards, those extra monies could very easily have been frittered away, or paid for holidays, furniture upgrades, newer cars, etc.

I have more to say on this subject but someone asked a great question which is now going into part 5 and will address a little bit more here.

Did point 7 feel too woo-woo for you?

What are your sacred cows? We all have them so don’t feel shy to share. Maybe it’s food, eating out, cars, gadgets, clothes…

If you’d like some coaching around these issues or for me to give you some customised ideas for your situation, email me for a confidential 30/ 60-minute session.

How I paid off my bond in 5 years and how you can too – part 2

If you missed part 1, you can catch up on reading it here.

Don’t worry; we’ll wait for you to finish reading that first part.

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  1. Keep your living standards small

Usually, when people get salary increases and/ or bonuses, the immediate reaction is to spend spend spend. We don’t. We do celebrate a little bit (after we tithe, of course!) usually by going out to a nice lunch. Last year I bought my gorgeous brown leather handbag.

But then, after adjusting the tithe in our budget, we increase our bond payment.

Bonuses are dealt with in exactly the same manner. Tithe and usually a good chunk is put into the bond. These days, now that I’m a bit older, I put a good chunk into my unit trusts too. But let’s ignore that for now because it’s a recent thing since I turned 40, and we’ve been paying off houses for years before that.

We have discretionary income in our budgets and for years and years we didn’t give ourselves increases because the money was enough for the odds and ends. Currently, I’m on the same “allowance” for about 2 – 3 years. Basically, we don’t increase our living standards unless absolutely necessary.

Everything goes into the bond. You were living on the smaller amount before the increase; continue living on that same amount.

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  1. Have a single-minded mindset

There’s nothing wrong with upgrading cars and such, but not if your goal is to pay off your bond early. Dion drives a 2008 car (that we bought in 2009) and my one is 11 years old this year (also bought when it was one year old).

Occasionally I have twitches when I think I might want a newer car but then I think of how lovely it is to not have a car payment 🙂

When we bought our cars, we took shorter payment plans – mine was just two years.

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  1. Don’t buy too expensive a house

Estate agents will always try to sell you on the biggest house possible. I am a person who likes to eat well and go on holidays so we really don’t like to buy on the upper end of the range we qualify for. That also helps when the Reserve Bank increases the lending rate because then you can still afford your home comfortably, and you’re not panicking.

Ask yourself questions like this while you’re house-hunting:

  • is it worth that extra R10 000 or R20 000 a month in the bond payment for an extra room? I asked and answered this question no many times when I’d have an inkling to “upgrade”.
  • is a pool/ bigger entertainment area worth the extra R____________? Maybe/ maybe not.
  • is it really worth paying for an extra room/ garage to store things I don’t even care about? Often people tell me we have too many things so we need a bigger house. Hypothetically, if you were to sell all the kids’ toys/ your junk, would you even get R5000 for it? I’m saying probably not. So why go into more debt to pay for that stuff on a continual basis (20 – 30 years)?

Only you can answer that. But be brutally honest about your reasons for buying that house.

(I know thinking like this is not popular but then again, your different mindset is going to get your house paid off sooner than other people!)

Our newest house is only worth the extra R_______ because it answers yes to all but 1 question (which was easily fixable) on our Dream House list. Of course I had a list 🙂 One day I’ll write a post about that.

Another reason to not buy at the very top of what you qualify for is transfer and bond costs. Also, your insurance, water and electricity will definitely increase. These are expenses we sometimes forget to take into account.

By the way, it is cheaper to take out underwritten life cover (through a proper insurer) than to take the bank’s credit life offering. The bank offered us credit life at 70% more expensive than the life cover we took through a traditional life insurer. Yes, it was a big schlep to phone around (I hate call centres!) but all that money saved is going into our bond!

What was the most surprising thing you learnt in today’s post?

Did I ruffle your feathers a bit? Be honest.

How I paid off my bond in 5 years and how you can too – part 1

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I’ve been promising to write this post for a few months, so if you’ve been waiting, thanks for your patience.

None of the things I’m about to share is so-called “rocket science” but I do believe that all of it added together is bond magic.

A little bit of background:

D and I have been married for 21 years. During that time we’ve lived in 5 places, 4 of them owned.

It’s also worth mentioning that we went house-hunting after two years of married life, discovered to our shock and horror that you needed a lot more money than we had saved, so we continued renting for another year to save up some more money and eventually bought after 3.5 years.

Interesting aside – that first move was done with the help of friends and D said then that in future we need to pay for professional movers because if we can’t afford to do that, we can’t afford to move 🙂 So that’s what we’ve done ever since.

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On debt

Supposedly there’s good debt and bad debt. I say no debt is good debt but some debt is a tiny bit better than others.

In a nutshell, I hate having debt. I even hate owing a colleague R6 if they bought me a packet of chips at the vending machine. So when I see lots of zeros on a bank statement, I go into action and devise a plan to pay that off as quickly as possible.

Our plan is always to pay off a home comfortably in 8 years (we take bonds of 20 years), but my not-so-secret stretch plan is 5 years. We’ve done it twice, and we will do it again with this house.

Let’s get to it, shall we?

41 things

  1. Tithe on every bit of income

We are tithers and tithe 10% off the gross of every single bit of income. Salaries, bonuses, gifts from family for birthdays, proceeds from house sales, when I sell stuff around the house, everything. We’ve tithed for nearly 23 years and we will never not tithe.

I believe that when you give God the firstfruits of all your income, He blesses the rest and stretches it.

As with almost everything else, I like to be very intentional about my tithe. Once my salary hits my bank account, I don’t spend any money until I’ve paid my tithe (except for my one retirement annuity that takes their premium even before I’ve been paid some months…). I’ve automated payments to the nanny, the kids’ school, etc. but not my tithe because I want to physically go into my bank account, see my “abundance”, feel grateful to God, and consciously and intentionally tithe. Most months I tithe from the banking app on my phone so this doesn’t take much time at all but it is still very intentional and conscious.

I’m a big tithing enthusiast because I’ve firsthand seen the benefits over the years and there is nobody who can convince me otherwise.

Coaching challenge for the comments

Do you tithe?

On a scale of 1 – 10, how badly do you “hate” debt? 1 is “not much”; 10 is “I hate it as much as you do, Marcia”

I’m not intentionally making you wait for the whole series, but the whole thing was over 2000 words long, so I’m breaking it up into 4 posts, one on each Thursday for the rest of the month.

Getting kids interested in money

We use star charts to reward the kind of behaviour we value at home and usually the kids choose a small treat when they complete a chart of 35 stars.

TIP – the star chart itself is simply an old calendar page. They usually have a grid with 5 rows and 7 columns. #reuse #recycle #repurpose 🙂

A treat is a small something in the region of R30, very occasionally R40. In the past, Kendra has chosen a pair of earrings, Connor has chosen stationery, but they have mostly settled on getting taken on a date with a parent for a milkshake, muffin and tea, or a breakfast.

Savings accounts for kids | www.OrganisingQueen.com

It’s very important to me to train the kids to be responsible financially.

They already tithe on any money they receive, and saving was the next step so this year I had a good idea to encourage them to save. I told them they could either have a treat, or they could have R50 in their savings account (which we had yet to open).

Both kids decided to bank 3 star charts’ worth of treats that I owed them.

TIP – keep track of when they start and complete a start chart, and when/ how it was redeemed. You might not have this situation but I have a boy who negotiates so hard that I’m left wondering if he is actually correct and I still owe him more treats!

Savings accounts for kids | www.OrganisingQueen.com

So off we went to my bank and I opened the accounts. That very afternoon, I transferred the R150 each plus whatever they had in their wallets. Let me just say, I think I have a natural saver/ hoarder of money and a spender 🙂

Hopefully this is the start of really good financial habits for my kids.

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In other news, I’m about 15% into Smart Money, Smart Kids, a book Dave Ramsey (The Total Money Makeover) wrote with his daughter, Rachel Cruze.

Who knows? I might abandon my star charts in favour of his commission system soon 🙂

How are you teaching your kids about money?

Share your tips!

{Intentional living} saving money on cleaning materials

I am a marketer’s dream. I could walk down that cleaning aisle and buy everything just to try out new products.

I LOVE A CLEAN HOUSE!!!!

Here are the things we do buy:

  1. the stuff in the photo (except the Mr Muscle and the Handy Andy bottle – I’m working through my “stash” of cleaning things).
  2. bleach
  3. toilet cleaner – the gel
  4. washing powder
  5. white vinegar – for fabric softener
  6. stuff in the photos below

TIPS!

  1. I buy one Mr Muscle kitchen cleaner that lasts us forever because I dilute it 1 part: 3 parts water… and yes, it’s still strong enough to do its thing on my kitchen counters. My current one is from Oct last year and we still have to use the last bit in the original bottle. That’ll be about 9 months of using 1 bottle of kitchen cleaner.
  2. I use white vinegar instead of fabric softener. No, it doesn’t make your clothes smell. Your clothes just smell… clean. I use 1/4 cup per load.
  3. I use these products. My goal is to transition to just a few essential cleaning products so I don’t need a bathroom cleaner, shower cleaner, kitchen cleaner, etc.

You use just 5 ml in a 750 ml bottle of water. Shake it all up and go clean.

We’ve been using this stuff over a year and my original bottles are still mostly full. They cost about R75 initially (for both) but look how long they last.

(it’s also kid-friendly and kind to the environment, etc. if you’re concerned about those kinds of things. I am slightly hippy so I am)

Initially I bought these products at a work expo but South Africans, PnP sells them too so they’re easy to get.

I use the fabric and carpet cleaner for the sweat marks on my t-shirts (I know none of you have those!) and other fabric stains before we need to do laundry.

And that’s it.

Compared to other families, I know that we save a lot of money with this kind of thing. R200 a month might not sound like a big saving but roll that up and ask yourself what you could do with R2400…

Years ago I used to buy multi-purpose cleaner, the gel for bathrooms, stuff for our clothes, stuff for the carpets, stuff for the windows, etc. Now I have TWO bottles to take care of it all.

Once I finish those two on the top.

I will still have separate toilet cleaner (see clean bathroom obsession above) but that’s the aim.

Any tips you can share with me?

How much do you spend on cleaning stuff in a month?

(I don’t know how much we spend but probably if I had to average it out, I’d say R125- R150 a month. We go through 2 bags of 9 toilet rolls once a month.)

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