Search for Savings & Loans
5 Lifestyle Changes to Make if You Want to Save Money
5 Lifestyle Changes to Make if You Want to Save Money
See The Best Loans Available in Kenya Today
Money Management

5 Lifestyle Changes to Make if You Want to Save Money

Sheila Brenda Andoi
August 20, 2021

Saving money requires a lot of discipline especially in this part of the world where every weekend is a time for ‘sherehe’ and ‘nyama choma’ with friends. 

Spending when you have some liquidity may be all too easy but when it comes to money management, the rule still applies – spend less, save more.

Saving money is a goal that most of us desire because having extra cash somewhere ensures that you are covered in the case of an emergency, it enables you to pay off your debt and provides you with a starting point for investment.

The lifestyle changes to make in order to allow you a consistent saving habit don’t have to be major. 

They can be very simple changes that maybe have or have never crossed your mind. You could actually start implementing them immediately. 

1.  Bring your own food to work

Do you find yourself buying lunch at work or ordering meals more than three days a week? Well, let’s do the math. Let’s say the average cost of lunch for you is Ksh150 a day. Multiply that by 5 days a week for one year, and we’re talking of Ksh 36,000 just on lunch.


You can cut back on buying lunch at work every other day and keep the money you’d have spent towards savings. When you carry your own food to work, you’ll be saving roughly Ksh36,000 per year or even much more depending on your average daily lunch spend. And honestly, that is a good amount of money.


Isabel Smith, Dietitian, Fitness and Lifestyle Expert, and Founder of Isabel Smith Nutrition and Lifestyle, lists the following benefits of carrying your own lunch besides saving you money.

  • Boosts your weight loss efforts because food from home almost always has fewer calories.
  • Ensures you have more time to relax and enjoy your food.
  • Boosts your mealtime satisfaction.
  • Higher quality food.

2. Keep your spare change into a jar.

Collecting spare change can be a hard task, since it takes a long time to collect enough. That doesn’t mean that you should give up. If you are persistent, you can save a good bit of money. You can collect the spare change in a jar, a safe or a piggy bank but be disciplined enough not to take from what you’re collecting unless it’s much needed.

You can then deposit the money in your savings account when the jar is filled and start collecting more again. Find fun ways that can motivate you as you collect your money and it can be a great aid for you financially.

3. Check your supermarket habits.

Compare prices before making your purchases. Before going out for shopping, it is wise that you compare the prices of different commodities around so that you don’t end up buying something that costs cheaper elsewhere. 

A shopping list makes your shopping fast and efficient because you know exactly what you need. It’s quite hard to overshop when you have a list of all the items you want to get and you tend to stick to the things you need.

Shop around. You can make big savings simply by shopping around. Is there a supermarket in your estate or near your estate? Make your purchases there. It can also save you on petrol if you have to drive far just to shop.

Have a calculator every time you go shopping. As you shop, add up your shopping bill to help you stay within your budget.

 Look at the expiry and “best before” dates. Choose foods and products with a best before or expiry date that will give you enough time to use it and prevent waste.

4. Buy items in bulk.

Buying food and household products in bulk is a great way to reduce your shopping bill thus saving you some money. Although bulk buying might be limited to some products like food, toiletries and beauty items, whenever you get a chance to buy products in bulk, go for it.

While bulk buying household items such as toiletries, detergents and other cleaning products brings price and environmental benefits, bulk purchases of food stuff also gives a level of control that may be hard to find with packaged goods. 

Bulk foods like cereals are often unprocessed, giving you the ingredients to create meals from scratch and increase awareness of what you're eating.

Although sometimes buying some products in bulk could be more expensive than buying single products, you might consider buying them seasonally. For example, you can take advantage of buying onions in bulk when they are in season because they are normally cheapest then.


5. Share subscription services.

Instead of paying for services individually you can consider sharing them with friends and family if you have that option. You can organise with your family members or friends on how you all can access and share such subscription services and then split the cost.

 These include;

  • Spotify – Spotify offers a Premium Family Plan  that allows the family to use the service with up to 6 accounts. There is no need to share your password. Family members are able to join the general subscription by invitation, and each has their own account.
  • Netflix - You can share your Netflix subscription with family, even with a Basic plan.
  • Apple music - Your Apple media library can also be shared with family. A family group can include up to six people of any age (for children under 13 you will first have to create a child Apple ID). 
  • Wi-Fi – This is one of the most shared commodities in Kenya. One person installs a Wi-Fi network and is able to connect more than 10 people at a shared cost. This greatly reduces the cost of having to install it and paying for the monthly cost individually.
  • DSTV – DStv also offers shared packages at no extra cost and you can add up to 5 different devices on any bouquet that you’re subscribed to.

There are many other options that you can besides the ones above. Find what works for you and roll with it. The goal is to save up some cash at the end of the day, month or year.

Do you have some lifestyle changes you need to make? What changes do you plan to make in order to save some of your hard-earned money? Now's a great time to run your assessments and make the decision to start adjusting your lifestyle.

All the best!

No items found.

Sheila Brenda Andoi is a communicator, journalist, editor, and writer passionate about human-interest stories. You can find her on Twitter @sheilaandoi

Download the new Money254 App and don’t miss out on the next article.

Join 1.5M Kenyans using Money254 to find better loans, savings accounts, and money tips today.
Get it on Google Play

Learn more about Personal Loans available in Kenya on Money254

Money 254 is a new platform focused on helping you make more out of the money you have. We've created a simple, fast and secure way to find and compare financial products that best match your needs. All of the information shown is from products available at established financial institutions that our team of experts has tirelessly collected.

Instantly search loan products from established providers in Kenya and compare on the terms that matter most to you.
Find the best Personal Loans for me

Don't miss another article - download the new Money254 App Today

Get it on Google Play

Sign up for our newsletter and get weekly money tips to your inbox.

Get updates from the Money254 team on financial news and new Money254 features.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.