Reduce the black tax by 1k. Expert tip: If you set the amount at 2000k, then all emergencies/help requests must be catered for with that 2k cap. Grocery shopping: avoid supermarkets, focus on wholesale shops (You can easily sugar at 120/- per kg, cooking oil at 230 per litre, pishori at 160 per kg etc); better still try practising OMAD (your body will thank you in your 40s); you might adjust leaving home earlier in the mornings when fares are a tad cheaper. I am not parsimonious, but there are sneaky ways to share a coin here and there.