Helping you save stick loads.
I tried stretching my pay-cheque the other day and just
couldn't do it. So I decided to use the envelope approach by
allocating my pay-cheque into three categories - not that PAK'nSAVE
pay me because everything they do, they do to save you money.
- No more than 50% of your income should be spent on your "must
haves", i.e. things that you can't go without such as
rent/mortgage, car, electricity, basic food and clothing, and so
- No more than 30% should be spend on your "wants", i.e. extra
clothes, cinema, drinks, shows, internet, cellphone, trips and
vacations, new appliances, additional food (cheaper
cuts of meat instead of lamb
chops), birthday present
for stickman, and so on.
- 20% of your money should be put on "savings". You can choose
the type of investment like savings accounts, shares, bonds, PAK'nSAVE Christmas