Episode 39 Save It Up
This episode of Level Up - Save It Up (Episode 39) focuses on personal finance management in South Africa amidst rising costs and fuel price hikes.
Ziyaad, Isa, and Nabihah discuss strategies for maximizing value across various subscription services and retail delivery platforms.
Key Discussions:
- Amazon Prime Launch (2:48 - 14:14): Isa breaks down the new Amazon Prime membership in South Africa (R59/month or R399/year), which combines free e-commerce delivery with Prime Video and Amazon Luna gaming perks. He compares this offering to Takealot More, which requires higher spending for similar benefits.
- Subscription Comparison (16:42 - 28:55): A detailed look at how various streaming and delivery services (Netflix, Disney+, DStv, Checkers Sixty60, Woolies Dash, Pick 'n Pay asap!) compete with each other and Amazon Prime. Ziyaad suggest "stacking" subscriptions strategically to avoid paying for overlapping services you don't actually use.
-
Saving Tips from Listeners (30:20 - 44:00): Nabihah and Ziyaad share advice from their audience on how to "stretch the rand," including:
- Performing DIY tasks like washing cars at home (30:39).
- Meal prepping and freezing food to avoid takeout (31:14).
- Switching off high-draw appliances like geysers (32:44).
- Utilising loyalty rewards and birthday deals (40:08).
- Planning errands to optimise fuel usage (43:38).
Core Takeaways:
- Budgeting is Wisdom: Nabihah emphasises that budgeting is not a sign of poverty, but a way to take control of your finances and ensure your spending aligns with your needs.
- Avoid Habitual Spending: Many households pay for high-tier streaming packages or delivery services out of habit without utilising the full value. Ziyaad encourages reviewing these costs regularly (28:01).
- Community Support: Ziyaad suggests supporting Muslim-owned businesses as a way to create barakah (blessing) in one's finances (29:30).
Listen to Level Up with Ziyaad, Nabihah, and Isa Plaatjes on Radio Islam International MW 1548
Episode 39: Save It Up
Sunday 07 June 2026 / 20th Thul Hijjah 1447AH 14h00 - 15h00 (CAT)
Watch Level Up with Ziyaad, Nabihah, and Isa Plaatjes on Radio Islam International MW 1548
Episode 39: Save It Up
Sunday 07 June 2026 / 20th Thul Hijjah 1447AH 14h00 - 15h00 (CAT)
Read the Transcript for Level Up with Ziyaad, Nabihah, and Isa Plaatjes on Radio Islam International MW 1548
Episode 39: Save It Up
Sunday 07 June 2026 / 20th Thul Hijjah 1447AH 14h00 - 15h00 (CAT)
0:08 (8 seconds)
As Salaamu Alaikum wa Rahmatullahi wa Barakatu dear listeners, it's just past 2p.m. right here in South Africa and it's our favourite day of the week, Yawmul Ahad.
0:19 (19 seconds)
It's the 20th day of Thul Hijjah 1447 AH.
0:23 (23 seconds)
Alhamdulillah, and it corresponds to Sunday the 7th of June 2026.
0:30 (30 seconds)
I am Ziyaad Plaatjes and with me are my co-hosts Nabihah and Isa Plaatjes. Welcome to Level Up where we listen, learn and
0:38 (38 seconds)
grow In Shaa Allah with ALLAH Subhanahu Wa Ta'ala's guidance and we break down the week's news and talk about what really
0:45 (45 seconds)
matters to young Muslims today. Our WhatsApp line is open. The number is 072 786 1548.
0:54 (54 seconds)
You can call in on 011 854 7022 or DM us on @ilovezacom. That's I L O V E Z A C O M
1:05 (1 minute, 5 seconds)
We're on Instagram, Facebook, X, LinkedIn, YouTube, TikTok, Threads as well as UpScrolled.
1:16 (1 minute, 16 seconds)
So, I hope that everyone is keeping warm this weekend. It's freezing here in Johannesburg. We woke up to a bit of
1:26 (1 minute, 26 seconds)
sleet and ice crystals on our garden and our vehicle, and yeah, I just hope
1:35 (1 minute, 35 seconds)
everyone is keeping warm and is indoors as much as possible. And if you do have a heater, use it wisely. If you have a
1:43 (1 minute, 43 seconds)
fireplace, put more more wood in there and just keep it keep it going, In Shaa Allah.
1:52 (1 minute, 52 seconds)
So with the fuel price increasing again this week by R1,43 per litre and with the rising cost of living in South
1:59 (1 minute, 59 seconds)
Africa we put out a question on our social media that's @ilovezacom to find out how our dear listeners you our dear listeners are stretching those Rands.
2:12 (2 minutes, 12 seconds)
So you are most welcome to DM us on your saving tips or reply to the question on Instagram or any of the other social
2:19 (2 minutes, 19 seconds)
medias and after the half hour we will be sharing those tips In Shaa Allah.
2:26
2 minutes, 26 seconds
But right now we take a look at some of the top stories this week. So one of the top stories and I think Issa wants to
2:33
2 minutes, 33 seconds
discuss it. He's anxious. He's sitting here and he's waiting with baited breath to to discuss it. He was so excited. Um,
2:41
2 minutes, 41 seconds
I don't know why though because it's not like he uses any of these subscription services or pays for them rather, but
2:48
2 minutes, 48 seconds
Amazon Prime recently dropped their package. Um, so their pricing and um, it's obviously
2:57
2 minutes, 57 seconds
very competitive to what's out there at the moment. Um, we're looking at uh, 59 rand a month. Um, if you pay for it
3:06
3 minutes, 6 seconds
annually, it's 399 rand. So you're looking at about 33 rand just over 33
3:12
3 minutes, 12 seconds
rand um a month which is you know very competitive and we're talking mostly
3:19
3 minutes, 19 seconds
today about saving money and we're going to obviously look at you know what does Amazon Prime offer what uh how does it
3:29
3 minutes, 29 seconds
compare to to things like take a lot more um your pick and pay ASAP your dash your checker 6060
3:37
3 minutes, 37 seconds
um your Netflix your Disney, uh, DSTV, you know, all all those subscriptions
3:43
3 minutes, 43 seconds
that that we, um, a lot of us use on a daily basis and, you know, how to also
3:52
3 minutes, 52 seconds
save, you know, how to stack these subscriptions, you know, use the stuff so that it doesn't overlap so you can save a few rand. I mean, if you're
4:00
4 minutes
saving a 100 rand a month, um, it's fantastic. It goes a long way especially with the current fuel price and and the
4:08
4 minutes, 8 seconds
price of everything going up. So um Issa, what do you have to say?
4:14
4 minutes, 14 seconds
Okay, so let me tell you what the Prime Video includes.
4:19
4 minutes, 19 seconds
So a fast and free delivery. Get a wide range of items delivered to your door as soon as today.
4:29
4 minutes, 29 seconds
Today? Yeah. So if I order something now, I'm still going to get it today. Yeah.
4:35
4 minutes, 35 seconds
Sure. Okay. That's ambitious. But we should try it out also to see, you know, like so or if any of our listeners have
4:44
4 minutes, 44 seconds
tried out Amazon. We haven't tried out Amazon, but if any of our listeners have tried it out, you know, do you get something on the same day? That's interesting. Okay.
4:54
4 minutes, 54 seconds
Prime Day. exclusive access to Prime Day, Amazon's biggest deals event. Okay.
5:02
5 minutes, 2 seconds
So, that's uh um discounts and uh Okay. Right.
5:08
5 minutes, 8 seconds
Prime Video. Watch local favorites, global movies and shows, plus live sports and events included with Prime.
5:20
5 minutes, 20 seconds
Okay. So you you got me there when when you said live sports.
5:26
5 minutes, 26 seconds
Um so that already for me is competing with I know Disney Disney Plus offers
5:33
5 minutes, 33 seconds
two ESPN channels and obviously DSTV has almost the monopoly on the sports here in South Africa because of super sport.
5:41
5 minutes, 41 seconds
Um so there it's already competing. So the first one the fast and free delivery would be competing with your your take a
5:48
5 minutes, 48 seconds
lot. Um, and then this Prime Video would be competing with your DSTV, your Netflix, your Disney, uh, those things.
5:57
5 minutes, 57 seconds
Okay.
5:58
5 minutes, 58 seconds
Well, like maybe like they might have um the FIFA like World Cup and stuff like that.
6:06
6 minutes, 6 seconds
Yeah, we should actually check if they if they do offer it because then um, you know, then then DSTV is not needed.
6:15
6 minutes, 15 seconds
Yeah, cuz I mean DSTV also um was putting all the FIFA World Cups and stuff like that as their live.
6:25
6 minutes, 25 seconds
Yeah. So they have that as well. Um yeah. Okay.
6:31
6 minutes, 31 seconds
Exclusive deals access member only saving on a wide range of items.
6:39
6 minutes, 39 seconds
Oh, okay. So that's so that's different to the Prime Day. So Prime Day is is like maybe like a Black Friday type of
6:46
6 minutes, 46 seconds
thing and then exclusive deals is obviously if you have a membership then um you get special discounts.
6:54
6 minutes, 54 seconds
M okay.
6:55
6 minutes, 55 seconds
Amazon Luna discover and claim PC games each month.
7:01
7 minutes, 1 second
Okay. So there's gaming included as well. So I don't think any of the other competitors have gaming at the moment.
7:08
7 minutes, 8 seconds
So that's like like a plus. Okay. Okay.
7:16
7 minutes, 16 seconds
And then I believe there's a a a 30-day free trial as well. So, I mean that already you're saving
7:24
7 minutes, 24 seconds
a month of, you know, with a free trial to try this out. Mhm.
7:32
7 minutes, 32 seconds
Okay. So, um, so Issa, I know you always liking to compare things and looking at
7:39
7 minutes, 39 seconds
different things and different ways you can save money, uh, even though it's not your money that you're spending. But,
7:47
7 minutes, 47 seconds
um, have you gone through what's the differences between Amazon Prime versus
7:53
7 minutes, 53 seconds
Take a Lot More versus DSTV versus Netflix versus Disney Plus?
8:00
8 minutes
Check a 6060 worth pick and pay. Have have you done any any comparing? Let's put it that way.
8:06
8 minutes, 6 seconds
So, I have put together something, but comparing all these options can get
8:13
8 minutes, 13 seconds
confusing because they are actually three entirely different categories of subscriptions competing for your budget.
8:24
8 minutes, 24 seconds
Yeah, that is true. But you see, there's a lot of things that obviously overlap.
8:29
8 minutes, 29 seconds
And um I think you would have noticed that when you were comparing them. M yes.
8:38
8 minutes, 38 seconds
So to make sense of it all, we have to look at the massive shift that happened recently.
8:47
8 minutes, 47 seconds
Amazon Prime launched its full ecommerce membership in South Africa which bundles
8:56
8 minutes, 56 seconds
both free retail delivery and video streaming into one single price.
9:04
9 minutes, 4 seconds
Okay, so that's what we just spoke about. Now the the 59 rand a month or 3.99 for the year. Okay,
9:12
9 minutes, 12 seconds
this directly challenges local delivery giants like Take a Lot and the grocery
9:18
9 minutes, 18 seconds
apps while also taking a shot at dedicated entertainment platforms like Netflix and DSTV.
9:28
9 minutes, 28 seconds
Okay, so tell us how they compare.
9:32
9 minutes, 32 seconds
Okay, so let's look at Amazon Prime verse Take a lot more. These two are
9:38
9 minutes, 38 seconds
going head to head for your overall online shopping loyalty.
9:46
9 minutes, 46 seconds
Amazon Prime 59 rand per month to or 399 rand per year.
9:57
9 minutes, 57 seconds
This is highly competitive because for 59 rand you get unlimited free same day.
10:05
10 minutes, 5 seconds
free same day and next day delivery on all Prime eligible items with no minimum spend requirement.
10:19
10 minutes, 19 seconds
Crucially, this single fee also includes full access to Amazon Prime video
10:26
10 minutes, 26 seconds
streaming and free gaming perks via Amazon Luna.
10:32
10 minutes, 32 seconds
Okay. So that also um you know is addition to what take a lot is offering
10:39
10 minutes, 39 seconds
for a cheaper price. What is take a lot uh price at the moment?
10:43
10 minutes, 43 seconds
So take a lot more standard 39 rand per month.
10:47
10 minutes, 47 seconds
Okay. So it's cheaper than the 59 rand a month. But if you take the year subscription you're looking at 33 rand or just over 33 rand a month. Let's say 34 rand a month.
10:58
10 minutes, 58 seconds
Okay.
10:59
10 minutes, 59 seconds
gives you unlimited next day deliveries, but only if you spend 500 rand or more per order.
11:08
11 minutes, 8 seconds
Okay. So, you have to have a minimum spend and it's a next day delivery, not the same day delivery.
11:16
11 minutes, 16 seconds
Mhm. Okay.
11:18
11 minutes, 18 seconds
Same day delivery is limited to two per month also with a 500 rand minimum spend.
11:27
11 minutes, 27 seconds
Okay. So you can only get same day again if you spend a minimum and you can only get two free same day deliveries in a month.
11:36
11 minutes, 36 seconds
Mhm. Okay.
11:38
11 minutes, 38 seconds
It includes three free grocery restaurant deliveries per month via Mr.
11:44
11 minutes, 44 seconds
D. Minimum spend 150 rand to 350 rand.
11:52
11 minutes, 52 seconds
Okay. So I'm assuming you have to spend either 150 rand on pick and pay or 3 150
11:59
11 minutes, 59 seconds
on pick and pay or 350 on Mr. D in order to get that uh what what did they what did you say
12:08
12 minutes, 8 seconds
includes three free okay deliveries so you get free delivery if but again it's minimum spend okay but
12:16
12 minutes, 16 seconds
take a lot is not offering um
12:23
12 minutes, 23 seconds
um like a Mr. not like a Mr. or Uber Eats. Yeah. So, okay. Okay, that's fine.
12:30
12 minutes, 30 seconds
Take a lot more premium 99 rand per month. This drops the minimum spend
12:37
12 minutes, 37 seconds
entirely, giving you unlimited free same day and next day deliveries and collections.
12:45
12 minutes, 45 seconds
It also gives you unlimited free Mr. the restaurant and pick and pay grocery deliveries with
12:53
12 minutes, 53 seconds
150 rand to 350 rand minimum basket size and the news 24 subscription.
13:02
13 minutes, 2 seconds
Okay, so they're going up to 99 rand but um they're giving you unlimited free
13:10
13 minutes, 10 seconds
same day and next day deliveries and collections for 99 rand. Yeah.
13:16
13 minutes, 16 seconds
Okay. So, it's a little bit out because I mean 59 rand versus 99 rand is quite a big difference.
13:23
13 minutes, 23 seconds
Yeah. Uh there's no video streaming bundle here.
13:29
13 minutes, 29 seconds
Yeah. So, there's no video as well. So, Techot is not offering um a video streaming service, but Amazon is.
13:38
13 minutes, 38 seconds
Yes.
13:39
13 minutes, 39 seconds
Okay. Sure. It does become very confusing.
13:43
13 minutes, 43 seconds
Yeah. Um, so if you want pure ecommerce
13:49
13 minutes, 49 seconds
delivery and video streaming combined, Amazon Prime is exceptionally cheap.
13:57
13 minutes, 57 seconds
If you rely heavily on fast food or local ondemand groceries, deliveries via
14:06
14 minutes, 6 seconds
Mr. D. Take a lot more premium offers features Amazon can't match right now.
14:14
14 minutes, 14 seconds
Okay. So um so obviously Amazon is not offering like restaurant like we said
14:22
14 minutes, 22 seconds
like your Uber Eats and Mr. D. So it doesn't compete in that space but it's uh if you're looking for free delivery
14:30
14 minutes, 30 seconds
but it also depends on what products does Amazon offer versus take a Lot. So there might be certain products that are
14:37
14 minutes, 37 seconds
exclusively for Take a Lot um or exclusively for Amazon. We don't know.
14:42
14 minutes, 42 seconds
Um, if you do use these services, let us know. I think let's go for a break and then we'll continue this conversation afterwards.
14:52
14 minutes, 52 seconds
If you would like to join the conversation, our tip line is 0727861548
14:59
14 minutes, 59 seconds
or you can call in on 0185472 or you can even DM us on.com on social media. That's I o v e said a c o m.
15:12
15 minutes, 12 seconds
Let's go for a break and when we get back we will be sharing your tips on how to stretch those rants inshallah.
15:22
15 minutes, 22 seconds
Tutoring, mentoring, homeschool assistance, concessions, facilitation and more.
15:29
15 minutes, 29 seconds
Visit After Fight Grind Academy, the dawn of excellence.
15:38
15 minutes, 38 seconds
And welcome back to Level Up. If you've just tuned in, we have been talking about Amazon Prime's offering first take a lot more.
15:48
15 minutes, 48 seconds
If you missed it, be sure to check out the RadioIslam International Soundcloud during the week for the podcast as well
15:56
15 minutes, 56 seconds
as our website.com for the video podcast. But right now
16:02
16 minutes, 2 seconds
we'll be continuing our discussion about Amazon Prime Vers Checkers, Pick and
16:08
16 minutes, 8 seconds
Pay, Woollies, Netflix, Disney, DSTV, and later on we will be sharing some tips on how to save from you, our dear
16:18
16 minutes, 18 seconds
listeners. Inshallah, if you would like to join the conversation, our subline is open. The number is 072-7861548
16:28
16 minutes, 28 seconds
or you can call in on 01854702 or you can even DM us on.com on that's ov zoom m.
16:42
16 minutes, 42 seconds
So we spoke about um Amazon versus take a lot more and then obviously the difference between the two. So, let's
16:50
16 minutes, 50 seconds
take a look at some of the um grocery subscriptions.
16:55
16 minutes, 55 seconds
So, there's obviously um lots of them have these standard delivery fee. So if you look at checker 6060
17:03
17 minutes, 3 seconds
um they offer a 35 rand standard delivery fee but you can choose to use a
17:10
17 minutes, 10 seconds
99 rand uh per month package which offers unlimited free deliveries on baskets of 350 rand or more and includes
17:19
17 minutes, 19 seconds
a 10% discount on one instore shop per month kept at 200 rand savings and double personalized app deals.
17:29
17 minutes, 29 seconds
Woolly's Dash um have upped their delivery fee to 45 rand with a minimum
17:36
17 minutes, 36 seconds
150 rand purchase. So 150 rand minimum basket and they do not currently offer a flat rate monthly unlimited delivery
17:45
17 minutes, 45 seconds
subscription like checkers. And then pick and pay ASAP also has a 35 rand uh delivery fee
17:53
17 minutes, 53 seconds
standard. Um and you can get an unlimited free pick and pay grocery delivery if you link it through a take a
18:01
18 minutes, 1 second
lot more premium 99 rand at 99 rand per month which Isa spoke about um provided you spend 350 rand per order.
18:13
18 minutes, 13 seconds
So obviously um checkers has the 99.9 99 rand and pick and pay if you link it
18:21
18 minutes, 21 seconds
with take a lot is 99 rand but both if you do a standard delivery it's 35 rand and woollies is 45 rand. So that's
18:29
18 minutes, 29 seconds
something that uh Amazon is not offering at the moment. uh they're not offering groceries, but obviously they're offering delivery
18:38
18 minutes, 38 seconds
um of products at 59 rand a month. And then obviously if you take it on a yearly basis, then you're looking at
18:44
18 minutes, 44 seconds
just over 33 rand a month. Uh what they are competing with though is your
18:52
18 minutes, 52 seconds
streaming apps. So there's DSTV that uh we'll look at. There's Netflix and
18:59
18 minutes, 59 seconds
there's Disney Plus that they're competing with. So, and then Teleot doesn't have a streaming service that
19:06
19 minutes, 6 seconds
they um bundle any of their packages with. So, let's take a look at DSTV stream, which is obviously the most
19:13
19 minutes, 13 seconds
expensive option at the moment. Um, it's mostly because they run a monopoly on the premium live sports.
19:23
19 minutes, 23 seconds
So, they start from with the DSTV stream, they start from 99 grand to 799 rand per month. Uh the in entry tier
19:32
19 minutes, 32 seconds
access plan is 135 rand a month that's on satellite or 99 rand a month on the stream.
19:40
19 minutes, 40 seconds
Um so it obviously excludes your uh sports in those entry level. But to get the full live sports you have to look at
19:49
19 minutes, 49 seconds
a compact plus which is 569 rand or a premium which is 829 rand on a satellite or 799 rand on a stream.
20:00
20 minutes
So um with Netflix they start they have packages from 49 rand to 229 rand a month. Um so the mobile tier is 49 rand.
20:13
20 minutes, 13 seconds
It's a basic plan. Um you have one screen and then you have the 99 rand a
20:22
20 minutes, 22 seconds
month package and also a standard is 179 rand. If you're looking for the premium
20:29
20 minutes, 29 seconds
packages, they're 229 rand per month. A lot less than your DSTV packages, but obviously like we said, DSTV offers the
20:38
20 minutes, 38 seconds
sports um uh a lot of live sports. Then Disney Plus has a 49 rand um mobile.
20:49
20 minutes, 49 seconds
So the same as your mobile on Netflix.
20:52
20 minutes, 52 seconds
Um, and then their monthly premium is 179 rand. So, also cheaper than Netflix
21:00
21 minutes
or well, if you're looking at the standard Netflix is 179 rand, but Disney Plus's top tier is 179 rand. And if you
21:08
21 minutes, 8 seconds
pay annually, uh, 1590, you're saving about 3 months worth of fees.
21:17
21 minutes, 17 seconds
Um, so obviously you know it depends again what content you want to consume.
21:24
21 minutes, 24 seconds
Disney Plus also offers ESPN and ESPN 2.
21:28
21 minutes, 28 seconds
So they have two dedicated live sport channels. So that also is again um you
21:35
21 minutes, 35 seconds
know moving into the DSTV space cuz those are two channels that DSTV offers on their um compact and premium packages.
21:46
21 minutes, 46 seconds
Um so which should you choose? It really again um goes down to what you are
21:54
21 minutes, 54 seconds
using. So Amazon Prime if you want absolutely best value crossover, cheap online shopping delivery paired with a highly competitive streaming service.
22:04
22 minutes, 4 seconds
Um, if you're looking at your savings, um, order six, uh, choose, uh, check it
22:11
22 minutes, 11 seconds
extra savings plus. If you order 6060 groceries at least three times a month, the subscription pays for itself instantly.
22:20
22 minutes, 20 seconds
And then choose Netflix or Disney Plus if you don't care about online shopping, delivery, or live sports and simply want the best international movies and series.
22:29
22 minutes, 29 seconds
and you choose DSTV stream exclusively for their live premium sports. Um,
22:37
22 minutes, 37 seconds
so that's basically what it is. But let's look at how you can stack these.
22:43
22 minutes, 43 seconds
So looking at if you want to overlap these subscriptions, so you want more than one subscription. Um, so let's look at the best overall value.
22:55
22 minutes, 55 seconds
So, this stack gives you a full e-commerce shopping, fast grocery delivery, a top tier general streaming service, and a specialized niche
23:03
23 minutes, 3 seconds
streaming service for incredibly low combined price. So, if you take the Amazon Prime at 59 rand a month, this
23:10
23 minutes, 10 seconds
gives you free e-commerce deliveries plus full access to Prime Video.
23:16
23 minutes, 16 seconds
And um if you take the take a lot more standard for 39 rand, it gives you unlimited free next day deliveries on
23:23
23 minutes, 23 seconds
take a lot for orders over 500 rand and unlocks three free monthly deliveries on Mr. D. Okay. And if you take the
23:33
23 minutes, 33 seconds
checkers extra savings plus for 99 grand, this gives you unlimited free 6060 deliveries. So orders over 350
23:41
23 minutes, 41 seconds
rand. So, use the included 10% instore discount once a month on a large uh
23:49
23 minutes, 49 seconds
2,000 rand grocery run. This instantly saves you 200 rand which pays for the entire subscription and covers your take a lot more fee.
24:00
24 minutes
So, with those savings um you're paying 197 rand a month.
24:10
24 minutes, 10 seconds
Okay. And then what you get for that is you get free retail deliveries from two giants, unlimited
24:16
24 minutes, 16 seconds
um fast grocery delivery and a robust movie series streaming platform for just
24:25
24 minutes, 25 seconds
97 rand a month. Okay. And then um if we look at the entertainment upgrade, if your primary goal is endless TV shows
24:34
24 minutes, 34 seconds
and movies without paying massive DSTV prices, you should stack the dedicated entertainment platforms while leveraging
24:41
24 minutes, 41 seconds
the cheapest retail bundles. So again, Amazon Prime at 59 rand,
24:48
24 minutes, 48 seconds
Netflix basic at 99 rand gives you a dedicated screen in HD.
24:54
24 minutes, 54 seconds
um rather avoid the 229 premium tier unless you absolutely need four separate screens watching at the same exact time.
25:03
25 minutes, 3 seconds
And then your Disney Plus premium at 179 rand. Um, if you're looking for that
25:10
25 minutes, 10 seconds
Marvel uh content and pay as you grow grocery apps, if you only use Woolly's Dash or pick and pay
25:17
25 minutes, 17 seconds
ASAP, occasionally do not subscribe to anything. Just absorb the 35 rand to 45 rand flat fee when you absolutely need
25:26
25 minutes, 26 seconds
it. So with that, if we're looking at 337 rand a month, you get an immense library of highquality streaming content
25:35
25 minutes, 35 seconds
across three platforms. So that's Disney, Netflix, and Amazon.
25:41
25 minutes, 41 seconds
Plus free Amazon retail delivery. And you obviously if you're using Woolly's Dash or Pick and Pay, then you just pay
25:48
25 minutes, 48 seconds
for that flat fee. But again, 337 rand versus um DSTV still much cheaper.
25:59
25 minutes, 59 seconds
Then the ultra ultra premium clean up.
26:02
26 minutes, 2 seconds
So this is unlocking every l every luxury safely. So if you are currently paying for a massive DSTV subscription
26:10
26 minutes, 10 seconds
and buying individual grocery deliveries, you are likely overspending by hundreds of rands and this is how you
26:17
26 minutes, 17 seconds
can trim those um or rather save. So downgrade your DSTV satellite to DSTV
26:24
26 minutes, 24 seconds
stream. If live sports are mandatory, drop the satellite dish entirely and move to the digital only DSTV stream premium for $7.99.
26:33
26 minutes, 33 seconds
This eliminates hardware costs and lets you stream across devices if you don't watch premium sports, drop DSTV
26:40
26 minutes, 40 seconds
entirely, and save an immediate 800 rand a month. So, you can get rid of DSTV.
26:45
26 minutes, 45 seconds
Um, you're only going to use DSTV if you looking for sports. And I think you can even get the sports on lower packages.
26:55
26 minutes, 55 seconds
So you would be able to get some of the the um sports on your compact packages
27:02
27 minutes, 2 seconds
which are starting I said said from 569 rand or 3.99 on stream.
27:09
27 minutes, 9 seconds
Then if you take uh do take a lot more premium at 99 rand um buy this instead of the standard tier
27:17
27 minutes, 17 seconds
because it completely removes the minimum order cap on take a lot and gives you unlimited free pick and pay ASAP grocery deliveries as long as your basket is over 350.
27:29
27 minutes, 29 seconds
So basically you you know you uh with 99 rand a month on on take a lot more
27:36
27 minutes, 36 seconds
premium you can have unlimited pick and pay and take a lot deliveries.
27:44
27 minutes, 44 seconds
So if you're paying for a take aot more premium and paying individual deliveries fees on pick and pay ASAP, you're losing
27:51
27 minutes, 51 seconds
money. So link those accounts inside the app immediately to get those groceries delivered for free.
27:59
27 minutes, 59 seconds
And then look at the uh your Netflix tier. Log into your Netflix account. Um many households are paying 229 uh out of
28:08
28 minutes, 8 seconds
habit even though only one or two people are really watching at a time. So look at that. Then you can drop down to a standard which is 179 rand or even a
28:17
28 minutes, 17 seconds
basic of 99 rand and that obviously saves you a quick 50 rand to 130 rand a month.
28:26
28 minutes, 26 seconds
And then with the checker 6060, like we said, if you choose checkers uh extra savings plus, make sure your first shop of the month is a large instore visit.
28:36
28 minutes, 36 seconds
The 10% cash back discount kept at 200 rand completely refunds the 99 rand
28:43
28 minutes, 43 seconds
monthly fee and puts an extra 101 rand back into your pocket. So you're saving 200 rand and like we said, you could use it to pay for your other subscriptions.
28:53
28 minutes, 53 seconds
So inshallah, may Allah guide us all.
28:56
28 minutes, 56 seconds
But I think at the end of the day, we also need to ask Allah for guidance because a lot of these subscriptions that we pay for um like we said, we just
29:04
29 minutes, 4 seconds
paying it out of habit or we just feel like we need them. A lot of the time we're not using a lot of these services.
29:10
29 minutes, 10 seconds
Um especially like these entertainment or streaming apps. Uh we mostly watch it for sports. There's a lot of um you know
29:19
29 minutes, 19 seconds
series and movies that that we're not even uh watching. So, we're just paying for something that we're not using. And
29:27
29 minutes, 27 seconds
um in terms of uh you know the the groceries, let's also try and support our Muslim brothers and sisters.
29:35
29 minutes, 35 seconds
There'll be baraka in that as well. We might think that sometimes, you know, it's a um a little bit more expensive
29:43
29 minutes, 43 seconds
than the retail giants, but we know that at the end of the day, they are paying zakat and that, you know, we spending in
29:51
29 minutes, 51 seconds
a halal way. Um and also, you know, if if we help each other and we increase um
29:58
29 minutes, 58 seconds
each other's risk by, you know, um buying from each other, then it also helps the the community to grow.
30:06
30 minutes, 6 seconds
inshallah. Um but Allah knows best and inshallah we make the right decisions on what um where to shop, where to consume
30:16
30 minutes, 16 seconds
everything. So we put out a question on social media on iil.com
30:23
30 minutes, 23 seconds
and the question was with the rising cost of living how are you stretching your rans
30:31
30 minutes, 31 seconds
to all those of you who have sent in their messages. Let's take a look at some of them. So, the first one I see
30:39
30 minutes, 39 seconds
here, it says, "I used to take our cars to the car wash every Saturday morning, but now I taught my boys how to wash the
30:47
30 minutes, 47 seconds
car and they do it now." Okay. So, that's also, you know, um kids are learning uh basic things like washing a
30:56
30 minutes, 56 seconds
car. So, I mean, it's not a bad thing to, you know, wash your own cars and getting your kids to also learn how and
31:05
31 minutes, 5 seconds
can become a bit of a family time. Um, you know, just enjoying a Saturday morning washing the cars.
31:14
31 minutes, 14 seconds
Then I'm on the road a lot and I don't have time to cook. So, buy most of my food while I'm traveling. Recently I
31:22
31 minutes, 22 seconds
started cooking on weekends and freezing food so I have for the week. So again
31:29
31 minutes, 29 seconds
going back to basics I guess um cooking instead of buying takeout and um yeah so
31:36
31 minutes, 36 seconds
you also you know save a bit of money with cooking at home and then freezing the food if you have a freezer to to keep the week's food.
31:46
31 minutes, 46 seconds
Okay.
31:48
31 minutes, 48 seconds
um walk to work and for nama. So, alhamdulillah, you have the opportunity to walk to work and um to the masid.
31:58
31 minutes, 58 seconds
That's that's a blessing in itself.
32:01
32 minutes, 1 second
Last year, I installed solar. This year, I drilled a bore hole and now I've started growing my own fruit and vegetables. I think this is really um
32:10
32 minutes, 10 seconds
something that we all aspire to uh you know installing solar to be off the grid and then obviously having a ball hole as
32:18
32 minutes, 18 seconds
well so be mostly off the grid and then uh growing your own fruits and vegetables. Alhamdulillah um that's
32:25
32 minutes, 25 seconds
that's uh a great thing to do. I've stopped buying name brand clothing.
32:32
32 minutes, 32 seconds
Yeah, I think that uh we've all realized that you know there's other alternatives besides name brand clothing and a lot cheaper as well.
32:44
32 minutes, 44 seconds
At home we switch off the gizer when we are not using it and switch off lights and plugs we are done with them when we
32:51
32 minutes, 51 seconds
are done with them. So yeah switching off the gizer geyser obviously takes up the most electricity in your house. Um,
33:00
33 minutes
and then obviously looking at, you know, which plugs, which lights use the most electricity. And I suppose even
33:07
33 minutes, 7 seconds
monitoring um your usage so that you can see what appliances draw the most, switching them off and only using them
33:15
33 minutes, 15 seconds
when necessary. I know a lot of people also um use gas uh instead of the
33:22
33 minutes, 22 seconds
electric stove. So that also helps with um the electricity bill. Being selling
33:29
33 minutes, 29 seconds
stuff I don't use at home. Okay. So that's a that's a nice one. Um selling
33:36
33 minutes, 36 seconds
unwanted stuff. We always collect stuff and we end up not using it and you know
33:43
33 minutes, 43 seconds
selling them uh you know helps with paying whatever bills you have. Look for deals on Mr. D and Uber Eats.
33:53
33 minutes, 53 seconds
So, uh, Mr. D and Uber Eats, we were talking about that in the first, well, throughout the show, you know, all the different subscriptions, and I think Mr.
34:02
34 minutes, 2 seconds
D and Uber Eats are also up there, um, with subscriptions or apps that people use a lot of, and they do have quite a
34:11
34 minutes, 11 seconds
lot of deals on them. Uh, you know, have they have coupons, free delivery, discounts. Um, so yeah, I switched banks.
34:23
34 minutes, 23 seconds
That's, you know, there's there's a lot of I think just looking at the different um pricing structures just within a
34:32
34 minutes, 32 seconds
bank, you can save quite a lot. I know if you if you like switch um from one of the top tier where you're paying like 100 or 200 rand a month, you can drop it
34:41
34 minutes, 41 seconds
down to like 10 or five rand, whatever it is, just within the same bank you can. But obviously switching banks,
34:50
34 minutes, 50 seconds
there's banks that offer um free monthly charges as well. So yeah, you could save quite a lot there. My work colleague and I travel together to save fuel.
35:03
35 minutes, 3 seconds
Um yeah, so car pooling has become a big thing. Um, obviously e-haling as well, you know, not using your own vehicle
35:13
35 minutes, 13 seconds
and um, you know, you save costs on fuel plus maintenance for your vehicle, but
35:20
35 minutes, 20 seconds
traveling together as well saves quite a lot of fuel. When I see a special, I buy in bulk.
35:28
35 minutes, 28 seconds
So, if you do have the means, alhamdulillah, to buy in bulk. um that you know can can save a bit as well but
35:37
35 minutes, 37 seconds
then you also have to worry about expiration of certain products. Um
35:45
35 minutes, 45 seconds
so yeah but that that's also a good thing to buy in bulk. I started a side hustle.
35:52
35 minutes, 52 seconds
I think yeah selling um something else or offering a service uh can help as
35:59
35 minutes, 59 seconds
well to add to your income. So we're always looking to save on what we currently have but also adding to your
36:05
36 minutes, 5 seconds
income uh helps quite a bit to stretch those rans.
36:11
36 minutes, 11 seconds
I go eat by my parents' house every night.
36:15
36 minutes, 15 seconds
So those of us that are fortunate to have our parents still around or you know close by that's also an option to
36:23
36 minutes, 23 seconds
go and eat um by our parents or uh do our washing there or you know try and
36:31
36 minutes, 31 seconds
save as much. So um yeah bought an EV.
36:39
36 minutes, 39 seconds
So I see this a lot. Uh a lot of people asking you know especially us because we do a lot of motoring what is better um
36:48
36 minutes, 48 seconds
plugging hybrid electric vehicle a hybrid an electric vehicle and the hybrids um plugging hybrid electric
36:58
36 minutes, 58 seconds
vehicles and the electric vehicle save quite a lot of fuel. Obviously um the higher you go up uh you know the hybrid
37:06
37 minutes, 6 seconds
obviously still uses fuel. It's a mild hybrid, so um your fuel costs are lower.
37:12
37 minutes, 12 seconds
But a plug-in hybrid electric vehicle, you could just essentially just use that
37:18
37 minutes, 18 seconds
um you know range cuz maybe it's 100 kilometers and you don't travel far to work. So you're just charging. So you
37:26
37 minutes, 26 seconds
hardly use the fuel and um you use it only for long distance. And then obviously electric vehicle you're charging all the time and you can charge it at home, you could charge it at work.
37:36
37 minutes, 36 seconds
Um the charging stations as well are also you know quite um reasonably priced compared to what the fuel prices are.
37:47
37 minutes, 47 seconds
And then I try and work from home more days than going into the office.
37:54
37 minutes, 54 seconds
I think that also um if you are if your company allows you to work from home um
38:01
38 minutes, 1 second
that saves quite a bit because you're not using uh fuel. Um you're also saving
38:07
38 minutes, 7 seconds
time because you are at home. Um obviously if you are at home you have to take into consideration that you know if
38:15
38 minutes, 15 seconds
you need to print something then you would have to do it at home versus that you could do it there at work or um I
38:22
38 minutes, 22 seconds
suppose if you are working from home you have a setup so you have uh fiber or whatever it is but you know you would be
38:30
38 minutes, 30 seconds
paying for those costs anyway. And then um when you are at work, you would uh
38:36
38 minutes, 36 seconds
have some works uh offices offer, you know, like coffee or biscuits or something like that. So snacks would be
38:45
38 minutes, 45 seconds
on you if you're at home, but I mean essentially you're saving quite a bit.
38:50
38 minutes, 50 seconds
So for all those lovely messages, you can still send in your messages. Um you're welcome to send it through on the
38:58
38 minutes, 58 seconds
WhatsApp line. You can DM us even during the week. And we'd love to share those and we are going to put it on our
39:05
39 minutes, 5 seconds
website i love.com because um who doesn't want to save and who doesn't want to know how to save. So yeah, keep those coming inshallah.
39:16
39 minutes, 16 seconds
So I have a few messages from my side that are interesting and I think you haven't meant them mentioned them
39:22
39 minutes, 22 seconds
before. Um so there's I compare prices across from Czech Spa and Woolly's and I
39:29
39 minutes, 29 seconds
like that. I like that because I also do that, but um I also add in front line
39:37
39 minutes, 37 seconds
and um maybe pick and pay also. There's some good specials, but um yeah, compare
39:45
39 minutes, 45 seconds
prices is always good. Um don't worry about name brands even with the grocery items. So, you mentioned before about,
39:52
39 minutes, 52 seconds
you know, name brands in terms of clothing, but people don't realize that there's name brands as well with um food items. you know, you don't need to buy
40:00
40 minutes
coup and roads and you can buy house brand items as well. Um,
40:08
40 minutes, 8 seconds
use rewards. Okay, so someone said they use rewards and vouchers like ebark, smart shopper, extra savings, clicks,
40:16
40 minutes, 16 seconds
and do do things for your kids that have kids for free or eat for free and have birthday deals. Okay, so this is very
40:24
40 minutes, 24 seconds
interesting um because now you also you're doing your homework. you you're going out there and you're checking where can you take your children where
40:33
40 minutes, 33 seconds
um you don't have to like waste on every person, you know, you get certain things for free or um if you get
40:42
40 minutes, 42 seconds
birthday deals and at least one of you will be free. So that's very good to do.
40:48
40 minutes, 48 seconds
And the last one is hosting brides and gatherings at home instead of going out.
40:56
40 minutes, 56 seconds
So, I mean, I know a lot of people who nowadays don't like the idea of hosting gatherings at their home because then
41:05
41 minutes, 5 seconds
there's um the cleaning up be cleaning before and the cleaning up after, you know, the spending the whole day saving
41:13
41 minutes, 13 seconds
around and wasting time as well as money to, you know, make the food.
41:20
41 minutes, 20 seconds
But I mean hosting a b I suppose you could do and it would be better because if you do buy you know certain things um
41:29
41 minutes, 29 seconds
on discounted prices then you know you can put it together and it would would inshallah be cheaper than going out and
41:37
41 minutes, 37 seconds
especially like if you have a big family I suppose it is better to you know make at home but for certain for some people
41:45
41 minutes, 45 seconds
I think um going out whatever works for you you need to find out what works in your budget. And I actually wanted to
41:54
41 minutes, 54 seconds
just mention something that someone told me recently. She said that um we were talking about budgets and she said that
42:02
42 minutes, 2 seconds
um she said her husband is going to told her that tomorrow night they're going to sit tomorrow night as in you know the
42:09
42 minutes, 9 seconds
next night they were going to sit down and they were going to sort out their budgets. And she says that his eyes actually light up because he absolutely
42:18
42 minutes, 18 seconds
loves talking about budgets and loves doing spreadsheets and they, you know, like sit down and they work out and they
42:25
42 minutes, 25 seconds
compare prices and they do homework and um I think that's actually very interesting and something that we I know
42:33
42 minutes, 33 seconds
we don't get excited about that and I know I wouldn't really get excited about that. I don't know about you, but yeah,
42:39
42 minutes, 39 seconds
you know, do the budget thing. And I actually read something that said budgeting isn't a sign of poverty. It's
42:46
42 minutes, 46 seconds
a it's a sign of wisdom. You know, you get to take control of your rans. You you get to cut out the waste and
42:54
42 minutes, 54 seconds
intentionally inject baraka into your home, your income, your earnings, you know, and yeah, I mean we we always
43:02
43 minutes, 2 seconds
learn not to waste. So if we can learn how to not waste in ter terms of many things you know I think Zed spoke about
43:12
43 minutes, 12 seconds
not wasting on certain packages where um like these streaming packages if you're not using the whole thing why are you
43:20
43 minutes, 20 seconds
paying for something where you're not using the entire package and we have to become remarkably creative in order to
43:28
43 minutes, 28 seconds
stretch our rand you know to get the maximum value out of every rand and scent and oh okay there's wait there's
43:37
43 minutes, 37 seconds
one more that I didn't mention it says I don't go out for nonsense I plan my trips and errands that's actually very interesting because I always wonder why
43:46
43 minutes, 46 seconds
do people do this you know you are out why don't you get something while you're out why do you come back home and then go out again to just get like maybe
43:53
43 minutes, 53 seconds
bread or something why didn't you get it while you were out you know what I mean so I completely understand that plan my trips and errands I like that one as
44:01
44 minutes, 1 second
well but yes to all our dear listeners for joining in this Sunday afternoon and for
44:10
44 minutes, 10 seconds
sending in all of your tips and um advice and alhamdulillah please do keep them coming. You are welcome to do so
44:17
44 minutes, 17 seconds
during the week on our social media pages at iilovves.com. That's il v z a c o m. We we will be putting it on our
44:27
44 minutes, 27 seconds
website inshallah mean so that you have access to reading it um you know in the future. So that's on ilabza.com
44:36
44 minutes, 36 seconds
and inshallah this um podcast will be uploaded to radio Islam international Soundcloud. So you can listen to it
44:43
44 minutes, 43 seconds
there and you can listen to all the other SoundClouds uh level up uh SoundClouds that you have missed
44:51
44 minutes, 51 seconds
to our dear listeners once again for joining us on this lovely Sunday afternoon. Please join us every Sunday right here on Radio Islam International
44:59
44 minutes, 59 seconds
from 2 to 300 p.m. inshallah a from myself Nabiha from Isa and from Zad.
45:06
45 minutes, 6 seconds
Enjoy your Sunday and we wish you a wonderful week ahead inshallah.
