Stokvel group budgets for Xmas

Grocery shopping can be expensive, especially for the festive season. Joining a stokvel takes off a bit of the financial pressure, but that does not mean you can spend like there is no tomorrow.

- Citizen reporter

You have to budget and carefully work out how much of each product or item you will need because if you buy too much, it could spoil and you end up having to throw the food away.

One of the aims of a stokvel is to avoid wastage with buying in bulk.

Keep these tips in mind:

► Draw up the budget for your shopping. The aim is to ensure that you do not spend money you do not have.

► Make a list of the items you usually use in your home to ensure that you do not buy items you will not use to avoid waste.