It works, trust me.

@Njunge, ! Buy items at wholesale price. I save 5bob per piece on toilet soap by shopping from wholesalers.

To beat inflation you much have a ROI of 20% on your investments or more than 10% Annual salary increment. Realistically speaking, change of lifestyles do have marginal savings.

The real question is who do we maintain the same lifestle and expense brackets as we continue to grow our income and revenue streams...

Showering with cold water, packing lunch, alot window shopping is a just a shallow way of approaching financial freedom...The Real Question should Be, How do i grow my income and optimise my expenses?? Everyday our governments devalues our monies, oil will keep rising, Taxes for(Ocampo 6) and etc.....

My take,

To me, cutting down on the cost of 'tissue' may not make much gains. But I believe the best place to buy daily things ni kwa 'Kiosk ya mtaa' Where you go and shout, ' Wewe Otieno, harakisha mkate and maziwa mbili sikuja hapa kukaa.. ( well between 28th and 5th of the month" Nothing else tempmts you to be bought. Huko ndani kuna giza mingi anyway.

The main cause of our financial mess (freedeom) is really in the stupid mistakes we do in December or April ( Easter). Too many guys spend too much and even take out loans to finance 'keeping up with the Joneses' You end up paying for money wasted in 'Mtwapa' for the next nine months then Barcclays comes up with ' Mkopo Wa Salo Reloaded' halafu wewe ndiye huyooooo.. top up and the cycle repeats itself.

One of the ways l try to minimize my power bill from shooting thru the roof and beyond my budget is to make sure that ironing of clothes and boiling of H2O using the elec kettle only takes place when the fridge is off,ironing and boiling H2O doesn't happen at the same time, and last but not least ironing of clothes is done during daytime and not at night!!! It may take a little while for it to work coz of resistance from some family members... but trust me once it takes off you'll notice the difference in ur power bills.