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3 Frugal Money Hacks Proving Essential During Quarantine

Coronavirus found me with a split laptop screen that cost me an arm and a leg to fix and the ever-diminishing hope of finishing the 52-week challenge. If you are anything like me, which is the short form of saying ‘a forever broke campus student,’ then the pandemic has also meant re-evaluating your life choices not only for the short term but also into the foreseeable future. This pandemic, even with its worries, has provided me with lessons on accountability, discipline, and the true meaning of self-care. Here are three ways I am saving during this Coronavirus pandemic.

1. Realigning my 52-week challenge

I started this year’s  52-week challenge with week 52 because that’s the optimism and unfettered self-confidence every new year gives each one of us.  However, as week 10 approached, and the virus became a serious pandemic, I was at the rubicon and had to swallow the humble pie. This, nonetheless, did not mean that I needed to quit, I just rearranged my challenge and started saving from week one. I am still lost with the math of how I shall meet the rest of the money in the middle, but I am enjoying putting away the 50s, and the 100s which is a much easier task that still makes me feel like the adult I was trying to become at the start of the year.

 

2. The envelope system

Dave Ramsey’ s highly acclaimed envelope budgeting system has saved me from buying a gazillion expensive hair and skin care products that the self-care in me wants. The system is straightforward and only requires a couple of envelopes and a pen. On the envelope, all you need to do is to write the title of your expenses and the upper limit of the money you are going to need for that expense. Before running for a grocery errand, I put the money I will use in the specific designated envelope. The idea is to never borrow from another envelope. Once the money is used up, I have to wait until the next fill-up of the envelope. The change for each expense is also returned to its specific envelope. This extra annoying process magically helps me to track my expenses and save more.

3. Cutting my visits to the salon

Find me doing house chores in my multi-colored satin bonnet unbothered. This quarantine period is a double win; I can save the money I use at the salon and finesse my natural hair care skills without the societal pressure of having to look presentable. Well, of course except during zoom meetings when you’ll find me in panic mode trying to get the perfect twist out. There really needs to be a natural hair effects option perfectly curated with clip-ins to save me the mental torture and physical exhaustion of having to pre-plan my two-strand twists. However, one more month of this quarantine, and I will graduate with first-class honors in the school of YouTube!

3 Frugal Money Hacks Proving Essential During Quarantine

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Susan Migwi
https://ngoirimigwi.co.ke/
Susan Ngoiri Migwi is a Kenyan nonfiction writer, a 3rd year political science student at the University of Nairobi, and an accounting student. She claims that her coffee addiction is the only way she manages to juggle all these things. More of her writings can be found on her blog: ngoirimigwi.co.ke or her Medium account: Ngoiri Migwi. You can also follow her on Twitter @NgoiriMigwi.

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