Smart Money Matters

Saving money is easy when you don't spend it on unnecessary things.  My  5 Biggest wastes of money are: 1. Eating out We used to eat out 2-3 times a week, simply because we were too tired and thought that we’d deserved it because we were both working full-time. Cutting back on that meant we could throw more money at our mortgage – we paid the bank back on our first mortgage in full in only 2 ½ years. 2. Phone upgrades I bought my last phone in 2016 and guess what? It can do all the things that newer version phones can do. There hasn’t really been any significant advancements since then and my battery still keeps charged all day and my screen is still in top condition. I’ve saved at least 3’500 CHF by not changing my phone every year since then. 3. Designer Clothes Buying clothes with brands is such a huge waste of money, especially when you buy them with Swiss prices. If you really want brands, head to the outlets in Foxtown or head to ...

Dry p otato  and pea curry  2 sliced onions 1/4 tsp mustard seeds (optional) 1 tsp of oil 2 cloves of garlic, crushed 2 tsp of grated fresh ginger (optional) 1 tsp turmeric 1 tsp ground cumin 1/2 tsp chilli powder 1 tsp garam masala 1 cup of frozen peas 2 cups of water 400-700 grams of diced potatoes Method: Cook mustard seeds in oil until they start to pop. Add spices except for  garam masala and cook stirring for 1 minute. Add potatoes and water and bring to the boil. Simmer covered on low heat for 15 minutes. Add peas and  garam masala and cook for a further 5 minutes. Serve with steamed rice. Source:   https://www.goodfood.com.au/recipes/dry-potato-and-pea-curry-20130808-2riet Lentil and chickpea curry 1 thinly sliced onion 2 cloves of garlic, minced 400 g can of lentils 400 g can of chick peas 400 g can of tomatoes 1/4 tsp of chilli powder 1/2 tsp cumin 1/2 tsp coriander 1/ 2 tsp turmeric 1 tsp garam ...