1
How and where you
buy your groceries
is a key determinant
of how much
money you spend.
It’s called ‘shopping’
for a reason – go
to different stores
(markets too) and
see where you
can find the best
prices for things
you purchase on a
weekly basis.
2
3
Fuel is a big
proportion of
expenditure,
especially in Zambia
where we pay
some of the highest
prices in Southern
Africa. Carpool with
colleagues and split
the fuel bill when
going to work.
The same thinking
can be applied
to school-going
children.
As a rule of thumb,
rent should be no
more than 30% of
your income. For
example: if you take
home K5,000 a
month, you should
not spend more
than K1,500 per
month (0.3*K5,000)
on rent. If you are
not earning what
you would like to
be earning, split
accommodation
with your mates.
12
13
4
In Zambia, internet is
pricey and about 3.4
million people access
it through their mobile
phones. Connect to free
wireless as much as you
can – especially at work.
Avoid streaming YouTube
content if you are using
your own mobile data,
because video (especially
high definition) consumes
a lot of data. Instead of
using airtime to make
voice calls, use Over-theTop (OTT) services like
Whatsapp, Wechat, Skype
or Viber which are much
cheaper in comparison.