This Economy has Humbled us! | Our Survival Tips 

I just like the way Ivy sits and listens until its her turn to talk just moving her head and noding and then when she does....ooo...wisdoom!!

Coming from a student who has tried multiple ways to make money, I'm gonna say that sometimes people speak from a point of privilege. Getting a job is one thing in this country. Its hard. And that's how life is kwa ground. So in as much as we are grinding hard looking for the bag, we gotta admit that having multiple incomes is a blessing in it's own. So excuse those who can barely save money monthly for emergency funds and all let alone even afford a decent life. However, all things considered, living below you means is the trick. And, budget to the very last penny.

How to clean a dispenser? Boil water wait to cool to Luke warm, them mix with white vinegar and baking soda. Then pour the liquid at the top, where the dispenser nuzzle goes in, open both the hot water and cold water and let run. then have some seat for like sometime. I leave it over night and flush like like 3 kettles of plain water. Hopefully this makes sense

The part where Ivy says, to make money, you have to be vulnerable.. You have to humble yourself.. shameless even.. I agree.. Lose that shame, lose that pride.. That's how we are making it through the recession..

Ivy hit it spot on, you have to be very intentional. Am literally a manager during the week and a hawker on the weekends. I humble myself that much. The money I make during the weekend pushes me the whole week. Praying for wisdom for more abumdandance and biashara prowess

What Ivy said... I read somewhere; you can't save or budget you way out of poverty. Just make more money. That's the only solution TBH

Ivy umeng'ara mng'aro ingine hapo 😍😍😍😍😍. I really love Ivy. She is really a smart woman.

I took a hybrid approach - make more money and cut down costs. I moved out of Nairobi to live rent-free upcountry. I planted a kitchen garden and began a poultry and hibiscus tea side hustle. I'm upskilling to take up more technical and better paying roles. Listen, we gotta do what we gotta do out here!

What Ivy is saying is correct. There is a glass ceiling to how much you can cut back from your budget but there is no glass ceiling to focusing on making more money AFTER you have done all the trimmings. I personally don't like the advice to not buy the $2 coffee. How much of a difference does it really make? If that coffee is connected to my joy and is what sets me in a good mood so I can go out and hustle and make more money then please buy the coffee and go make more money. I have always had 2-3 streams of income and because of that when one ends...finances becomes an inconvenience NOT an emergency because I still have 1 -2 streams to lean on while I sort out something new.

For Muslims we use water every time you pee and use tissue to dry. For number 2 you first wipe with tissue then wash with water and then dry with tissues again

It's amazing how Ivy said the least but the most. I like your suit.

Listening to Just Ivy just blows my mind away.....Wow....Learning, unlearning and Re-learning....

Things am personally doing 1) Shopping for groceries in Githurai 2) If it's clothes, think twice is bae 3) Carry food to work 4) trying to pay off all the loans I have 5) Went back to employment and am running a business

Ivy doesn't play. I love her mindset .

Just ivy Africa represented the girls real well congratulations on your awards miss money Monday 💲💰

Finally! Someone's talking about the elephant in the room. Let's also talk about the pressure that comes with being an influencer and having to make tough financial decisions before you get yourself in debt to fund that lifestyle. Personally, I moved houses, (from which I now saves me 13k monthly).. do homeschooling for my LO, sold some stuff.. (very hard to let go but you have to), let go of my nanny to get on my feet faster. I did. Now nesting better with emergency fund and stuff. Had a 6 month plan, hopefully will be ready to take my LO back to school in January. The sooner we accept that this economic crisis will be with us for a while... The better.. let's adjust early.

I could listen to Jules all day😅

Before you beat yourself down because you don't have the "money making mentality", ask yourself if you can afford baby stuff worth 80k so you can resell at 50k, or if you can afford more than enough clothes that you can resell. Or do you just have enough clothes for a week or two that you got from the streets. Do you have anything around the house that you can sell, or can you even afford everything that you need, including food? Do you have a single stream of income that can help you survive leave alone multiple streams? If you do, is it enough to save, leave alone start a business or something? Or do you get broke on 20th of every month. Not because you're living above your means but because it's simply not enough. You could go as low as you can but still not have enough. My point is, most people who hold the same idea talk from a point of privilege. Having people you can call to give you a job is already a privilege many don't have. Try calling someone today and see if you can get a job that easily with your little name😅In fact, people with such privileges are sometimes the reason people without cannot get the opportunities. Because if you can make a call and get the job, what about the person who applied for the same job but can't call anyone for the favor? Don't beat yourself down because you don't have such privileges. Do your best wherever you are. Just try to survive, it's the least you can do. Your mentality isn't putting you in that position. Be kind to yourself.

I moved to Isinya 2 years ago at the start of the pandemic and i have zero regrets!! I work from home and don't really need to go to the office. My child also goes to a relatively good school, and the fees is not as ridiculous as it is is in Nairobi . It's worked out very well

I really love how Ivy is not focused on small small things like nyanya. It seems she's like "You guys haven't been cutting costs all this time?" The women in development movement was based on this way of thinking, for women to grow they can't be focused on welfare issues like food etc. The focus is making more money. You can cut costs all you want but if you make the same amount imagine it won't make a difference as such. In my house, since Covid started we have been: 1. Multiple income streams. Yes, have a main job and other tu side jobs. 2. Milk tea kila siku where?? We have days for porridge, milk and even turungi especially with yams as escort. 3. Like Lornzie I go to the office once a week. I run errands on specific days to save on fuel.

Ivy attitude is inspiring cause she never wallows in misery but at times you have to be realistic. She probably has opportunities all of us don't but telling people to just make more money is too simple and unrealistic

Hey, thank you for sharing these tips, a friend of mine was recently telling me about a groceries group she is a part of (Like a savings group but for shopping0. How it works is they all save money as a group and buy in bulk most of their essentials from wholesalers and distribute them among themselves. It saves them a lot of money because obviously supermarkets as retailers are a bit more expensive. I thought it was a great tip to survive the economy because whewwwww what are these prices!

Shopping at wholesale stores saves quite alot. Great episode ladies❤️

Hit 200k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started with 14k in June 2022

This topic is soooo timely. Can we have part 2, where Ivy leads a sub topic for- How to make more money?

We had to shift from Ruaka to Limuru and economy wise it was the best decision. I can now grow my own veggies, potatoes and maize and I now keep chicken for eggs. Please note this is a rental we just talked to the landlady and she agreed we use a portion for shamba. Rent is cheap and also commuting to town ain't expensive.

When Ivy speaks you listen...... Love you all.

I cut my cost of gas and electricity by using my electric pressure cooker to cook foods that require boiling. Even sweet potatoes! For cabbage, I use the steam option for 3 minutes then release the steam immediately to avoid overcooking and ending up with soggy cabbage. I then drain the water and mix the veges with sauteed onions.

Ivy is such a great listener and then when she talks my God!

Thank you ladies for sharing. I am doing bulk shopping from wholesale stores, doing batch cooking, car pooling if you must go to work, doing things like car washing yourself, directing the nannies on what to do to avoid wastage.

Congratulations Ivy on the double Pulse Influencer Awards....

Watching this has given me a aaaha moment. I boil my water but put it in a big plastic bucket which jas been worrying me. It's hit me I should buy an earthen pot. The huge one. Bingo!!

Does Ivy live in Kenya, her ideas sounds more of developed countries not our developing Kenya...Jules always makes this platform bubbly and fun even on serious topics, she is for sure a media girl, her heart is soo clear nothing to hide❤️❤️

Nice topic. I find that teaching children value of Money earlier on saves on alot of unnecessary expenses. They also learn to be frugal where necessary.

Ivy’s outfit! Looking like money! 😍🔥💥 Looking forward to the nuggets 💵💰💸💶

While finding ways of making more is a plausible perspective, we have to agree that majority of Kenyans cannot even afford to survive on their own salaries which is a huge problem. Making more money calls for a stable mental health, and time to even look for these opportunities which many do not have. What we should be asking ourselves is why is the common mwananchi continuously suffering and having to take the brunt for rising costs when the top 1% continue to rake in the money? Why is it that there are policies to aid the rich to cut back on costs and taxes while there are almost none to help the common mwananchi? The rising cost of living and inflation and how it disproportionately affects the majority is a case of the failure of economic systems upheld by our governments. Therefore, the conversation should focus on how to repeal and reform these systems instead of putting the load on individuals - asking individuals to find ways of surviving the rising costs - when the problem is bigger than individuals. We have governments to create solutions for all Kenyans but somehow, a majority, who work hard day and night with nothing to show for it are not considered to be worthy.

Food safety is a major concern at the moment especially for salad and veggie lovers. The vertical gardens and container farming at your balcony can go a long way in meeting your veggie needs , saves you money and the vegetables are safe for consumption coz you grow organically. Insightful episode. Thank you

Yaaaassss! That last point Ivy made ; hand over money to the keepers such that they can know the cost - such that they arent wasteful

Jules is a whole CHARACTER 😂😂😂😂😭Totally worth the watch ❤️

Also there is a difference beyween living a minimalist /simple life versus deprevation. For example, if you turn off the heat in the name of savings and then now your family members get sick from sleeping in a cold house that's not budgetting that's deprivation.

I LOVE LOVE LOVE the perspective that Ivy has. If you can trust someone with your children, why wouldn’t you trust them with money? 🙌🏾

Amazing insights from Ivy. You guys should do an episode on available investments young guys can look into.

I'm so glad audio seems fine in this episode can't wait to watch. I've tried so many times to listen to the episodes from 2 weeks ago ( haven't been getting notifications lately) and Lorna's hmmm every other second is over powering. Lol Please do something with your sound system, some small voice echoing in the last episode though haven't caught up yet. And take the mic further from Lorna lol, I've always heard her hmmm lol but this time it was far too loud and I couldn't hear what the girls were saying. While I'm on this topic, be mindful of talking over each other like you did in older episodes. I don't want to miss anything:) pls don't view my feedback as negative. I enjoy watching your videos.

Ivy is me all round. I will happily change all my grocery locations and take additional side hustles regardless of my current income level because i always want to have a bigger cushion

going to shagz is also an economy saver. esp for students and young professionals. you save a lot of money by just going home.

For the tomatoes n other veggies try going to the markets like marikiti kawangware and toi market. You will get them more affordable.

Hahaha, on the bidet, I use it like Jules, to freshen up, cleanup during the day when on periods... for drying, I have a bidet towel (medium size) or 3ply tissue or drys well. In Italy there is always a bidet towel 🤭🤭🤭

For me, I used to shop for groceries weekly and spend over 1k each week. I now shop at the main market on a monthly basis and buy items like tomatoes, hoho, I blend and freeze them and use for the whole month. Onions CAn last a month, cereals etc. E.g Monthly tomatoes I only spend 350/- I buy 5 for 20bob. I only buy fruits on a weekly.

Very important,you always want to have more than one income stream,another small secret,save hard when times are good!

Ivy's mindset,that I am learning, also there are items you can purchase on retail stores compared to supermarkets, like vegetable oil.

Such a timely conversation. These tips you are all sharing will lastnot only this time but for the generations to come. We really need to stay woke and adjust as much as possible.. Loved every bit of it!

For no 1, you rinse and pat dry with tissue, for no 2, you wipe them rinse n pat dry with tissue… that’s how my mom taught me, but nowadays I use a hand towel (a specific one for just that area) to pat dry it’s just my preference . Water just makes it cleaner Hope that helps

Not me feeling it in my soul, when Ivy says talking about the home is not sexy for her🤣🤣

I have always had that mindset of make more money and someone close to me said I am gold digger. I love Ivy's idea.

This must be the most relatable and informative video that I have watched from you ladies. Thank you.

Whenever I go shopping with my guy he's always complaining why I'm calculating the prices. Like tissue😫😫😫 I guess Lorna is referring to tena tissue, I use it too coz it's kinda affordable compared to the other brands. On cooking oil too💔 whenever am buying let's say I wanted a 2 litre and I see a 3ltr, I calculate the prices and end up taking the 3ltr coz it's much affordable compared to 1 or 2 ltr. No one is talking about salt😫😫 from 15 to 20Bob🤦🤦 Pk is 10Bob too...hata wasee wajaba wanaifeel. The economy is going high and high every morning. I.just mastered buying things from the wholesale shops like the sunrise rice I got it early this year at 220ksh/kg and last week it was 265?... In supermarket 1kg is 400+🤦🤦🤦.. I go to supermarkets for things I can't get from those shops like the type of lotion I use.

I could see how ivy enjoyed this money conversation.She just looks happy. She is a national treasure🤍

Am 100% with ivy on making more money to offset the current cost of living.

i loved the talk ladies, incase you decide to move out of nairobi my hubby has very nice houses, he is a real estate agent

There are water purifying stations, it's like a shop for water, their 18.9 litres is between 150-300/- depending on location. Don't buy water from the supermarket.

Was literally having a 36min conversation with a close friend on how anxiety is crippling in due to the rising cost of living and I thought I was the only one. Later in the evening I come home to watch this,glad that you offered the reassurance. We will be fine,sticking to the basics on finances.

Giirrrlllsss, this is such a timely video. I've always had the perception that guys aren't going through what I'm going through, Kwanza when the difference is like 500/ on items...good to know we are all in this together ... I try switching up recipes..eg, I incorporate roasting compared to deep frying, buying in whole sale

Jules is honestly authentic,come on ,your energy is giving 100/10...cheers to the conversation,feels bad not to have been the 1st person here🤥

I am impressed that you guys are food safety aware (food irradiation and water safety )

I bought my bidet sprayer/arabic shower in a hardware in town for 500shs last month. The hardware stores that are on the street that's behind Ronald Ngala Street.

I think making more money is what most people desire inflation or not as such I don't think we manage the effects of inflation by making more money it just increases your liquidity but your purchasing power due to high prices still puts you on the negative...as such I think cost of living adjustments is what manages the effects of inflation.... I love ivy's money making mindset but not everything financial discussion has to sound grandiose sometimes money habits lie in small things

Ivy is a boss babe.

Yaayyyy🎉🎉🎉🎉 I love that you are back consistently

Guys we also need to understand that cost of living is going up coz of global warming... without rain, water becomes scarce since rivers are drying up. Crops are dying, animals are dying too so at the end of the day even those people at shags are struggling to feed coz our land are dry asf....if rain was in plenty, food would be in plenty and atleast food costs could decrease...

for water use the refill stations its less than 300

Have you considered community buying. It's a concept I saw my mum and aunts doing when I was growing up and now that I have my own home, I have been doing it with my mum but also considering introducing my girls to it. It's basically you and a group of 'friends' pulling your funds together and buying things in bulk at wholesale value then splitting. Saves alot. Look at the somali whole sale shops especially in South c. Then you can go to the soko for groceries every two weeks or so.

I like the point on changing brands and supermarkets because some price hikes are actually unreasonable....and some brands are taking advantage of the "economy" excuse to exploit consumers, which is pretty sad

What a timely conversation!

My father told me that the economy has always been bad since eons ago. Even during their time the value of money kept decreasing. Humans normally adapt to the situation everytime. So,yes it will get worse before it gets better ( adaptation).

In Uganda the pinch is very tight, price of fuel is high at 6,000 Ugx, about 172Ksh basic groceries are more expensive. Maisha ni magumu. In rural places people now Have mostly one meal per day and those who can afford have two meals. per day.

I loved this episode! We have been having this discussion at work and with my pals and family and too and weeeuh...we shall persevere and eventually thrive.

My love for Ivy!!I stan👌🏾

Nice to see you again. Am always I love with your episodes

Ivy"s absent minded self at 17:25-33 has me 😅

As you have families, it is better to buy in bulk at the Eastleigh wholesale shops....your pockets will thank you

Minute 15:42 yes. You can install a filtration system. It's pretty much a smaller version of what water bottling companies use. The water goes through 3 processes: 1. Remove odor 2. Remove unnecessary minerals and particles 3. Sterilize

When Jules said i thought it's from the mountains 🤣🤣

Ivy your drive is motivating.

Just to think that in the beginning of the year Ivy told us not to have scarcity mentality 🤦🏽‍♀️ but the economy has really happened

The water issue... Maybe buy a water purifier and you'll just fetch your tap water to refill it save me alot

Guys, my shushu couldn't afford school fees back then, she's 100 ish now and school fees was 50 cents. I think we need to adjust our mindset and also, I think we need to embrace that value changes and it's for the better, it's growth. The problem is understanding the system and focusing on producing on our own what you can aka kitchen garden and maybe soaps, kitchen pastes, you know...the easy things and more important, realize, YOU DO NOT NEED EVERYTHING IN YOUR SHOPPING CART BECAUSE IT WAS MARKETED, like blue band, what's in it? Plastic or, when I melt mine, half turns into a liquid! What's blueband? Milk can make butter at home. So how else can you adjust?

it's everywhere the inflation is no joke we all are trying to survive. This was insightful!

Who else low key wants Lornzie to stand up

Justivy looks so distracted today.,hope she's doing well

11.30 She thought bottled water comes from the mountains. Really? Jules 😂😂😂😂

Such a Timely discussion. Keep up!

Lornzie looks cute, her point on adding water to milk now kinda funny

About the issue of water, there's companies that refill drinking water at a very affordable price. Like Pure Fresh, if you can access their shops.

This is so timely. I can surely relate and yes I agree that the economy can humble you. Adulting is real. Honestly, to have more than one source of income in this current economy is what I would term a blessing. People grind out here to make ends meet but I love how you ladies put this. Would you bring up more of this topic, especially from Ivy's perspective?

I moved to the States 20years ago and I started growing my own nyanyas and sukuma and spinach cos I got tired of paying organic prices bana.

I do that too,,, at night sometimes especially if I bathed in the morning and I didn't do a lot of sweaty stuff, I wash my feet in the sink, my face, my armpits and then use the bidet and get to bed... Easy..

Last month I bought molped night and they reduced the quantity from 7 pc per pack to 5pc.This month I go to the supermarket and kotex is 120 from 80 bob.I agree with Ivy on adding another stream of income because cutting costs ain't cutting it if pads are hiking prices.

Here in SA people who bye bottled drinking water are foreign nationals although we're foreign nationals too, we don't bye. Water in homes here is safe to drink

when julia said ...then let it air dry or use a blow dryer i died 🤣🤣🤣🤣💀

Nairobi water is just fine and if u can get a filtration bucket that filters water,you can even get a 20litre water at 30 bob,filter it out and save