[ફન_ફોર_અમદાવાદી_ગુજરાતી] Very Useful.....

The basic needs of man are food, clothing, shelter and entertainment. Today, most of us have graduated from needs to luxuries. When the newspaper headlines were screaming inflation at 11.9 per cent, it became a topic of worry. Today, the challenges are not just high standard of living, high commodity prices, it is job loss too. How do you deal with meeting your basic requirements with less means to buy them? While eating just one meal a day is good for yogis and is a nice way to cut down costs, that is not what I'm suggesting. Instead, Try something simpler. Eat at home Eating out can be expensive. If you are spending Rs 200 on eating out compared to Rs 50 at home, you would be surprised to know the kind of amount you are spending. A systematic investment plan of Rs 150 (200-50) a day saved for 30 years can give you returns in excess of Rs 5 crore. Know what you are buying Plan your shopping. If you fill your cart with everything that catches your eye, chances are you will be spending a lot more. Instead, plan your meals for the week ahead and make careful note of what you need to buy.  Purchase only the items on the list, avoid the rest. Wear your blinkers Stores are designed to make you go through a long walk to reach for your most basic items. Reason – you can tricked into buying what you don't really need. Most basic commodities are found towards the end of the store. So, the next time you go shopping, you could skip the other outlets and move towards your destination. Shop on a full stomach When you are hungry and shopping, you may end up buying lot of things that look like food. You might also pick up what you don't really need. On the other hand, you can easily avoid unnecessary shopping when you're a full stomach. Do you really need bottled water? You can take a bottle of water when leaving home rather than buying when you're out. Shop sans the kids Hungry, tired, cranky kids increase the amount of time it takes to get your shopping done. Kids can really bug you into buying things which are bad for your health and for your purse. Leave them at home when you go out shopping. Buy local products For instance fruits. Whenever I step into a big branded store, I was pushed into buying 'American grapes'. I fell for it once, and realised only on billing that it was Rs 400 a kg! The Indian variety is normally available for Rs 40. Locally grown or produced food is often available at a cheaper price because you don't pay for long transportation costs. Stick to them.

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