Personal Finance Tips Part 3


Thank you for tuning back in for more Personal Finance Tips. I have five tips this time around. So here we go.

1.Decrease your recurring expenses

Your recurring expenses can include rent, food, utilities, etc. Try to find ways to decrease these expenses on the regular. Shop around for rent specials, food coupons, utilities sales, etc. Anything when multiplied by 12 at the end of the year is an improvement compared to the year before.  You don’t need a degree to assess your cash flows (in/out). *wink* And save these tidbits earned!

2.Watch what you eat

If you eat well, you will stay healthy. If you eat bad, your immune system will weaken and ‘Welcome to medical bills!”. We are what we eat and a balanced diet goes a long way. Keep that in mind.

3.Start a garden

Though I have to eat vegetables from my own urban garden, starting a garden is a good way to save. I remember how growing up, we could just go pick a tomato from our own garden to eat. We had two mango trees, an orange tree, a lemon one. We could get yams from the neighbors and a bunch of other things they grew that we didn’t have. We shared things with each other.

The small amount of money you avoid by having fresh vegetables on hand is priceless. If I lived on the country side, I would eat vegetables from my garden because I would have access to real soil and I wouldn’t need pots who could alter the genetic makeup of a plant. Right now, I’m afraid that the chemical in the pots of plastic will get into the vegetables. For now, I do gardening as a hobby. And when a plant is green, it makes duas for you. So masha’Allah, you can never say no to duas.

4.Work Out

I’m not that sportive like I used to be but on weekends we take long walks at the park and that’s very helpful. By staying active to the minimum and by the same token, I can avoid health issues and medical bills alhamdullilah.


Helping others in need also help us. We have a saying in Africa, “Money comes to the right hand and leaves in the left hand. If you hold it in your left hand, it stops the in-flow to the right hand.”

I hope these Personal Finance Tips are beneficial to you.

Jazakh’Allah khair for reading,


You can read more of my finance tips in our 13th issue of Hayati Magazine , in part 1 of this series or in part 2 of this series .

Papatia Feauxzar

Papatia Feauxzar is a practicing Accountant. She focused on personal finance in graduate school. She has a Master of Science in Accounting (MSA). Around the year, Feauxzar expatiate on personal finance and romance tips here and on her blogs. She is also the Online Editor of Hayati Magazine and the author of the first Ivorian Cookbook in English. Also a poet, you can read three of her pieces in "WOKE & LOUD: A Faith-Based Medley of Muslim Poetry & Spoken Word" published by Inked Resistance. Visit her at or .

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