ConsumerAffairs

This year is very difficult. We live from hand to mouth. What should we do? The answer is used what is available. Obviously you cannot budget using the money of someone one.We have learned it from the withdrawing  of USAID. The disappointments will be 1.Not sure where you will get the money. 2.The source is not reliable like gaming,betting. 3.The source may have its own conditions  like doing odd job,conditional love etc 4.More essential demands like daily food. The challenges are 1.money is too little to cover the expenses. 2.the sources may dry up at anytime. 3.the money is totally unavailable. What can you do? 1.Have a piece of land around  your house. 2.Plant vegetables. 3.Water your vegetables like tomatoes, onions a spinach where you will plant these vegetables at 5mx5m 4.After 3 months,you may be relieved. What can you do with the surplus? Sell the vegetables or give it to the local market and share the profits. Meanwhile plant 4 fruit trees.

There are Five classes of People in this Century: 1.Those who work from hand to mouth. 2.Those who depend on the Government and Grants. 3.Those who are oppressed financially. They get lucrative salaries but the taxman takes half of their salaries.Such People are trying to live a better  life so thalf of the Salary is wiped away and they are left with Zero. 4.There are those who are extremely Rich. They have everything of which they  motivate us but we don't reach them. 5.There are those who  live a " normal life" and their salaries and expenses are maintained  with no debts until at the next Salary Date. The next Question is: Are the above classes  occurred automatically or accidentally or planned? What I believe is , everything,every achievement depends on the Person himself/herself. The next Question is: Can you change and live a better life? Yes you can. It depends on your EFFORT,CONSISTENCY, PLANNING with an aim from MINIMUM to MAXIMUM  Target.

That question  was asked by one of my friends when were 20 years old.The other  friend responded: There  are three things  which we are living for.They are 1.Money 2.To have a Spouse 3.To have a shelter The other  one said we also live for 1.Love  2.Peace  3.Clothes 4.Job I also made an input. I said all what you have said is Right. Money is Central to everything. Your Spouse will demand  money. In this Century  clothes and even Peace need money 

The so called  rich countries have Big Spenders in all the fields.These People become automatically millionaires and billionaires and create many job opportunities. Which Products do the Big Spenders like? Buying and Selling in 1.Bulk clothes  2.Bulk vegetables  3.Bulk fruits 4.Bulk Hardwares 5.Bulk electric  equipments 1.Bulk Clothes  They hire the dressmakers starting from 2 and increase their numbers up to 24 at the end of the month while selling to Direct markets 2.Bulk Vegetables & Fruits Place the sellers in every corner. Each Seller  must sell 20 cranes in one month. 3.Bulk Hardwares  This should be a 2 to 5 year project where you buy bit by bit and make a collection of Doors, Window frames, Roof materials and compare the market prices after 2 to 5 years and sell with a lesser price at the same time making a profit. 4.Bulk Electric Equipments  Buy and store them in your garage. After 6 months you may increase your selling price but less...

Luckily,in this month of  August  2024, Gasoline  prices were lowered.It is too early to rejoice. What else which can  make the  Consumer  happy? 1.Food Prices stability  2.Public transport  price stability not increasing. 3.Inflation  decreasing or increasing  with 1% 4.Decreasing  electricity  per tariff 5.Decreasing  of Residential  rates What about the poor of the poorest? 1.This group wishes that the Municipal Services and Electricity  be written off. 2.Inflation to be between 0-2% 3.Decrease or Free Transport 4.Free  Food. 5.Give any Job What about the Middle class? 1.Lowering Gasoline monthly. 2.Lowering  Food costs  3.Lowering  inflation  4.Decreasing  of electricity  5.Decreasing  of Residential  Rates  What  about the Professionals  1.Salary  increase  with 10% or above  the inflation 2.Better working conditions 3.Medical Aids ta...

Lets come  to the mother  earth where we find price hikes monthly.These prices  are driven by many factors  such as: Costs of Production which includes: -Diesel -Labour -Capital -Renting How is the Production calculated? The Production  Costs are bought in bulk and subtract the Expenditure which is termed a profit. There  are daily  expenditure  like Diesel, Electricity. What must you do? 1.Compare prices Whatever you buy write it down so that you can compare in future. 2.Buy in bulk It is cheap like drinks especially  the items which are free from refrigeration.  3.Check also  the expiry  dates. 4.Buy from the stores which store fresh food. 5.The environment  where the products are kept must be clean.

Our Life and economy can be easily compared  to the Survival  of the fittest. We are living in the difficult times. There are People who live easier. Why is it about money? My answer is not about money. It is about PLANNING. 1.How do you Plan daily? I mean your  1.Eating habits 2.Exercise/Movements  3.Transport  4.Visits 2.How do plan  Weekly? 1.Weekly Job 2.Weekly working hours 3.Week Entertainment 3.Monthly Planning How  did you budget? Do you have "surplus" money? Do you cater for  emergencies? In order to have a way forward you must have your own log  book which you can record all your events. At the end of the month  you could see, your wasteful expenditure  and learn from that.

I have tried to compate the individual  achievements from early age, to school level,individual achievements,country development   gave me the stark differences.What I have  uncovered  that the actual the developmental growth  starts  from 0 to 5 years. At 0 age if the  mother is abused  emotionally  and physically  the baby will have  some defects  physically  or mentality. To simplify  what I mean is, a person who grew under love ,care with  or without money is likely to succeed in life whether he/she grew in single or both or adopted parents. At the same time a child who grew hard no Love,that child will  struggle  in Life and perhaps if he/she works very hard that  child may achieve late his/her dreams. Since  this blog is under Economics or our economic behaviout especially  to the individually  answers the question why some are struggling and others  are cruising...

There are  3 possible responses. Yes I do. Yes but I fail. No I spend limitless. There  are crtain factors which  you must not ignore. 1.Your Income. 2.Your Partner's Income. 3.The Extra Income. What do you do when 1.Your expenditure  surpasses  your income. 2.You keep on borrowing. 3.You keep on lending. 4.You become generous with  your money. What  are your priorities  when you get money? 1.What do you think are the  immediate  financial needs? 2.When  do you pay  your debts? Do you grade your  debts? Municipal Amenities,Electricity 3.What are "other debts like  Credit Cash  Cards? Most important: 1.You must be able to live  with your money.2.At least 10% amount must remain until at the  end of the month

The Buying  Power has declined.Not that People don't  have money, but  they fear about the  Future.The cost of the Living keeps on rising. Their income  does not match the day to day. At the  same time there are NEEDS and WANTS.Sometimes we  need to make cuts our NEEDS.Not all our NEEDS can become a priority. These can be scaled down: Food: Vegetables & Fruit less meat. Transport: Use Public Transport  or Cluster Transport. Amenities: Water conservation  The  above NEEDS cannot be totally cut.You can  adjust  for instance  when packing cheese,eggs,butter in a sanguage could be eggs alternating with  cheese. That will  cover a certain  number of days. WANTS should be highly scaled down.You have 3 parts of shoes.Why do you want to buy a pair of shoes  monthly? I know  the  influence  may  come from your friends  or from certain  quarters  or like to be in competition...

Str you Prepared to face the Black Friday or will  you be swept  by Black Friday? Everybody  is talking about  Black Friday.  Who benefits from Black Friday? 1.Business Community  2.Government (Taxman) 3.Consumers  1.Business  Community  There  are two types of Business  People. There are those who budgeted  from their Savings and wanted to clear up their  warehouses while there are those  who  make  above  extremely 10% profits in order to recover the past losses  and go as  extra mile as possible.They are Law to themselves. 2.Government  More Consumers  and Business  subscribe to the  Laws of the Government.We are told that the Government  is got many  responsibilities  which  exceed the fiscal. I don't  believe  that.Where is the "corrupted" Savings which is coated as Emergy Funds in other  countries  they call  it  spade...