Utaishi Maskini: Buying Groceries From Supermarkets And 7 Other Hidden Small Bills Making You Poorer

The adage “Haba na haba hujaza kibaba” (little by little fills the pot) serves as a reminder that small efforts can yield big rewards. However, this same principle applies to our expenses, where small, seemingly insignificant bills quietly pile up and drain your finances something that a lot of Kenyans, especially in urban areas underestimate. 

These overlooked costs often leave you wondering where all your money went.

Hidden Costs That Add Up

1. Drinking Water
   Many families spend a fortune refilling water containers weekly or buying bottled water. A one-time investment in a water filter can significantly reduce these costs.
   Filters are not only cost-effective but also environmentally friendly, eliminating the constant purchase of plastic bottles or refills.
2. Groceries from Supermarkets
   Shopping for groceries in supermarkets may seem convenient, but the prices are often much higher than in local markets popular know as soko. Instead, plan a weekly trip to the market and buy groceries in bulk, especially if you have a large family. This strategy not only saves money but ensures you get fresher produce.
3. Entertainment Subscriptions
   Families often find themselves paying for multiple entertainment subscriptions, such as Netflix, YouTube Premium, GoTV, and Spotify even though they don’t need them. Consolidate to just one or two platforms that cater to your family’s needs. This will save money without compromising entertainment.
4. Impulse Purchases at Convenience Stores
   Quick stops at local supermarketd stores for snacks, toiletries, or household items can cost more than shopping in bulk or at wholesale stores. Plan your purchases in advance to avoid these extra costs.
5. Subscriptions You Forgot About
   From gym memberships to rarely-used apps, forgotten subscriptions quietly chip away at your budget. Cancel those you don’t actively use.
6. Bank and Mobile Money Charges
   Frequent small transactions incur hefty fees over time. Minimize these charges by making fewer, larger withdrawals or switching to services with lower transaction costs. Stop running to Mpesa to pay every bill. Stack up some cash.
7. Takeaway meals and Snacks
   Regular meal stops or snacks during your commute may seem harmless, but they add up significantly over the month.

How These Small Bills Make You Poor

Individually, these costs might seem negligible, but their cumulative effect can be devastating. They leave little room for savings or investments, keeping you trapped in a cycle of paycheck-to-paycheck living.

What You Can Do to Cut Costs

1. Audit Your Expenses
   Carefully review your spending patterns to identify areas of wastage. Apps or budget planners can help you monitor and control spending.
2. Invest in Cost-Saving Alternatives
   • Buy a water filter to cut down on water refills.
   • Opt for a weekly market visit for groceries instead of relying on supermarkets.
   • Consolidate entertainment subscriptions.
3. Create a Realistic Budget
   Allocate specific amounts for recurring expenses and stick to it.
4. Eliminate Convenience Spending
   Walk or carpool when possible, and prepare meals at home instead of eating out.
5. Redirect Savings to Investments
   Use the money saved from cutting down these small bills to grow your wealth through savings or investments.