The financial planning revolved around:
Letting my money work for me in an environment where interest rates were to the benefit of the saver;
Making as few trips as possible to the bank;
Transferring funds to my savings accounts as early as possible and
Taking advantage of tax savings.
My strategic planning was based on:
Cooking as many meals or eating as many home cooked meals as possible;
Buying from supermarkets to reduce the use of cash during the week unless those funds came out of my daily allowance which included taxi fares, all of which were taken from my salary;
Spending mini vacations locally and with a group so as to reduce the cost of rent, food and have family time and most importantly
Going home by 6:00 pm during the week and by five pm on a Fri, so as to treat Fri night into Sat am as my Sabbath if I planned to work on a Sat.
Sun was for washing, cooking, baking, sleeping as at that time I lived in an extended family and those were some of the ways in which we could be considerate of others.
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