Shopping for groceries can be an overwhelming experience whether you are feeding a whole family or just yourself. Being one of the major household expenditures, grocery shopping undeniably hits hard on your paycheck. However, when it comes to saving money on the groceries, not only you have to become a savvy shopper at the store, but also turn into a smart individual around the kitchen. To help you save money on the groceries while still enjoying the cuisines you love to savor, here are some of the premium money-saving tips that will help you plan your shopping:
Fix a Budget and Adhere to It
When it comes to cutting down your grocery bill, the first and the foremost thing that you need to do is craft a budget especially for your food bills on a monthly basis. After all, you cannot expect to save money or reduce costs on your groceries without having a clear goal in mind. The simplest and the most convenient way to sketch out your grocery budget is to save a handful weeks’ worth of receipts and calculate how much you generally spend on an average. Once you get an exact number, reduce 10 percent from that amount and see whether you can stick to that reduced amount or not. If you can easily achieve that, you can go further and shrink your budget even more.
Prepare a List and Shop Carefully
Once you fix your budget for shopping, it is important to craft a list before visiting the stores. Impulse shopping will not only consume more time than usual, but it will also result in higher expenses. Apart from making a list, you must also pay attention to the schedule you are planning to proceed further with your shopping in order to avoid buying more unnecessarily.
Try Shopping from Multiple Stores
Shopping from different stores is the key to saving quick money while paying less for groceries. Even though most people try to avoid this undertaking, as they find hopping various stores a bit time-consuming. You have to be strategic and when there is a requirement, seek out the best deals and discounts in the stores located close to you and then select the ones that will help you in saving most for the week.
Using Coupons and Discounts
While it might seem on the surface that leveraging coupons take a lot of time, they are indeed worth the time for clipping, printing out and most likely load to a store card. Put it this way – if you are simply using five coupons worth $1 per week on products that you have purchased anyway, you will be saving more than $250 annually.
Watch Out for Alternative Stores and Try Amazon
Do not walk past a different grocery store in your neighborhood or a dented-can store without browsing the items available there. Some of the ethnic and neighborhood groceries sometimes offer excellent deals on produce and meat while the dented-can shops and even drugstores can provide good discounts on packaged and canned items. Apart from that, you can also leverage the services of Amazon that often offer steep price drops on canned foods, cereal and various pantry items.
Take Part in Meatless Mondays
Meat is undoubtedly one of the most expensive items for most households and if you are habituated with having meat at every dinner, try opting for meatless Mondays once a week or any other day to see how much you are saving on it. You might find the need of adding Steak-free Saturday and Tofu Tuesday to your eating regime as well.
Avoid Wasting Food
You might not be accountable for controlling and managing the amount of food that is being wasted at the farms and the grocery stores, but you definitely can ensure putting a cease to food wastage at your own home space. This can be easily done by using the ingredients before they go stale and by not putting an excessive amount of food on your plate. One useful trick is to prepare a weekly meal of a stew or soup that you can utilize as a catch-all for all the ingredients used all over the week.
Finally, you can make some economical substitutions such as replacing out of season veggies with some cheap cabbage and carrots while buying fresh berries for frozen ones. Adhere to the aforementioned tips and you can ensure saving a good amount of money on your groceries without much hassle.
Staying connected: keeping the numbers moving in the finance industry
By Robert Gibson-Bolton, Enterprise Manager, NetMotion
2020 will certainly be hard to forget. Amongst the many changes we have come to live with, for many of us it has been adapting to a new style of working. Whatever your take on it is, remote working, working from home or even agile working, one thing remains clear – for many of us, this could be the new-normal for the foreseeable future. The professional services sector is no different. For example, many finance practices around the world are now allowing staff to work from home part of the time. In addition, a recent KPMG report found that half of the UK’s financial services workforce want to work from home after COVID-19.
Will this therefore become the de facto working practice for the finance industry too? We can’t say for sure, but this agile approach to working has certainly caused a major rethink for many firms. And as they evolve and adapt to meet the demands of a different way of working, firms need to ensure that their workforce can seamlessly interact with each other and their clients – this is key if they want to continue to deliver exceptional client service. Whilst financial services organisations everywhere are busy adopting innovative new technologies to better reflect the ‘work from anywhere environment’, they need to ensure secure access to resources and strive towards enhancing the end user experience. Success will be replicating the office working experience at home or wherever else they may be.
It’s all well and good for a firm to boast about the ability of their staff to work successfully from home, but how do they also establish that their people are just as productive as they were before? Whilst the IT department will have to grapple with security and compliance issues that arise from agile and remote working, they must also ensure that their people can connect securely, without eschewing user experience. And it needs to be completely seamless, without compromising the service level provided to clients.
Why all the fuss?
Which brings us nicely to persistent connectivity. Persistent connectivity effectively allows you to do more. How frustrating for the user when connectivity drops, or when the device that they are working on can’t find a network to connect to (or if the device switches between different networks). When connectivity drops, and re-connection is required then there is that small period where the user is not connected at all. And the user might have to re-authenticate or log into their VPN again (most VPNs are rubbish when they lose connectivity). All of these different scenarios ultimately disrupt the user experience – persistent connectivity provides the flexibility to overcome these challenges. When you enjoy consistent connectivity, you are making sure that the technology works as it was designed to work, allowing staff to rely on optimum user experience, anytime, anywhere – in effect, supplying them with that office-like experience, wherever they are. Just think about how many hours might be spent on a train, in a hotel or even on a client site. Consistent connectivity is key here – consistent in any of these locations.
Connectivity will be a fundamental component for successful remote working as firms try to meet the demands of an increasingly mobile workforce. Ultimately, they need encrypted and reliable connections that enable them to quickly and easily reach business applications and services. Working in a disconnected environment can lead to frustrated workers, hardly fitting given all the new remote working policies in place.
Getting the user experience spot-on
When you fine-tune connection performance so that essential business applications run reliably across networks, you are essentially talking about traffic optimization. Mobile traffic optimization ensures that applications, resources and connections are tuned for weak and intermittent network coverage and can roam between wireless networks as conditions and availability change. When connections aren’t performing well, applications that are crucial for job performance can experience packet loss, jitter or latency that can make working on the hoof extremely tricky. Compared to wired networks, wireless networks operate under highly variable conditions, including such factors as terrain or congested mobile towers. When you optimise the flow of traffic, you are helping to manage packet loss. Effectively, packet losses are data loss, which happens very regularly when you’re on the move or transitioning between different networks. Applications that require a lot of data tend to become fairly unusable when you hit even minor packet loss, which can be a common occurrence for many on residential broadband or on local Wi-Fi. conversely, NetMotion can enable critical applications to work and prevent disruptions at over 50% packet loss – in this way, employees can rely on technology performing well in situations and locations where it simply could not before. That is incredibly powerful for firms.
The finance industry is facing many of the same challenges presented to other industries. It is a question of balancing the requirement for more sophisticated ways to ensure secure access to resources with the need to enhance the end user experience (key team members in particular). For finance firms everywhere, adopting the right technologies will ensure that their people can enjoy a ‘work-from-anywhere’ environment.
Hong Kong’s Cathay Pacific warns of capacity cuts, higher cash burn
(Reuters) – Cathay Pacific Airways Ltd on Monday warned passenger capacity could be cut by about 60% and monthly cash burn may rise if Hong Kong installs new measures that require flight crew to quarantine for two weeks.
Hong Kong’s flagship carrier said the expected move will increase cash burn by about HK$300 million ($38.70 million) to HK$400 million per month, on top of current HK$1 billion to HK$1.5 billion levels.
Hong Kong is set to require flight crew entering the Asian financial hub for more than two hours to quarantine in a hotel for two weeks, the South China Morning Post reported last week, citing sources.
“The new measure will have a significant impact on our ability to service our passenger and cargo markets,” Cathay said in a statement, adding that expected curbs will also reduce its cargo capacity by 25%.
The airline, in an internal memo seen by Reuters, requested for volunteers among its crew who could fly for three weeks, followed by two weeks of quarantine and 14 days free of duty, adding it will be a temporary measure and not all its flight will require such an operation.
“We continue to engage with key stakeholders in the Hong Kong Government,” the memo said.
The government did not immediately respond to a request for comment.
Separately, a company spokeswoman said the airline could not detail the impact on vaccine transport specifically in terms of cargo shipments.
The aviation industry has been hit hard by the COVID-19 pandemic as many countries imposed travel restrictions to contain its spread.
In December, Cathay’s passenger numbers fell by 98.7% compared to a year earlier, though cargo carriage was down by a smaller 32.3%.
($1 = 7.7512 Hong Kong dollars)
(Reporting by Shriya Ramakrishnan in Bengaluru; Additional reporting by Jamie Freed in Sydney and Twinnie Siu in Hong Kong; Editing by Bernard Orr and Arun Koyyur)
Travel stocks pull FTSE 100 lower as virus risks weigh
By Shashank Nayar
(Reuters) – London’s FTSE 100 fell on Monday, with travel stocks leading the declines, as rising coronavirus infections and extended lockdowns raised worries about the pace of economic growth, while fashion retailers Boohoo and ASOS gained on merger deals.
The British government quietly extended lockdown laws to give councils the power to close pubs, restaurants, shops and public spaces until July 17, the Telegraph reported on Saturday.
The blue-chip FTSE 100 index dipped 0.1%, with travel and energy stocks falling the most, while the mid-cap index rose 0.1%.
“Stock markets are crawling between optimism around the rollout of vaccines and worries that a jump in virus infections and fresh local lockdowns could further affect recovery prospects,” said David Madden, an analyst at CMC Markets.
Britain has detected 77 cases of the South African variant of COVID-19, the health minister said on Sunday while urging people to strictly follow lockdown rules as the best precaution against the country’s own potentially more deadly variant.
Prime Minister Boris Johnson had earlier warned that the government could not consider easing lockdown restrictions with infection rates at their current high levels and until it is confident that the vaccination programme is working.
The FTSE 100 shed 14.3% in value last year, its worst performance since a 31% plunge in 2008 and underperforming its European peers by a wide margin, as pandemic-driven lockdowns battered the economy.
Online fashion retailers Boohoo and ASOS surged 4.8% and 5.9%, each. Boohoo bought the Debenhams brand, while ASOS was in talks to buy the key brands of Philip Green’s collapsed Arcadia group.
Recruiter SThree Plc gained 0.9% after its profit, which nearly halved, still managed to beat market expectations and the company said it had resumed dividends.
(Reporting by Shashank Nayar in Bengaluru; editing by Uttaresh.V)
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