Four Tips To Spend Less And Save More!

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Be it education, travelling, shopping or maintaining social lives, people spend more than they make. An increasing number of health experts believe that stress, especially financial stress directly affects people’s health and well-being. As a result, it’s no surprise that spending less and saving more is touted popular resolution this year.

Since 2018 is about to end, here are a four ways that will help you get on track financially:

Creating a budget. It’s important to keep a track of one’s cash flow, which means how much money coming in and going out. If you don’t have a budget, so it’s time to sit down and create a budget and work according to it. Some expenses are constant such as utility bills, groceries and conveyances charges, but there are unforeseen expenses such as wedding gifts or travelling. It is also possible to monitor your monthly and annual spending with the help of several free budgeting apps such as Hysab Kytab: Budgeting Expense and Saving Tracker as well as Moneypad (which can be downloaded on Android or iOS). This will make sure your money goes where you need it, instead of trickling away when you aren’t paying attention.

Shopping frenzy. Overspending is the worst enemy of your monthly budget and savings. The ongoing sale festivals are excellent distracters on a bad day, but these will leave a huge and permanent hole in your pocket. Impulsive shopping will buy you happiness for a limited time, but will deplete you of the most essential resource that can indeed help you on a rainy day. It’s also important to establish a difference between needs and wants during shopping.

Cutting down on eating out. If you are trying to save, dining out every weekend or twice a week will leave you with a zero balance in your account. So from now on, try to dine out just once a month or prepare a lavish meal for your friends and family at home, this is cost-effective and a healthier option. Another way to dine out economically is keep a track of all those eateries that offer family-size and mid-night deals.

Planning for a rainy day.  Medical emergencies, pricey expenditure and inflated utility bills can come at any time in life. After budgeting the daily expenses, keep a certain amount aside for a rainy day. If you have only one source of income, this is the time to make your passion or hobby into a profit. This will help you improve your income but also expand your emergency fund.

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Beautify with Bottle Gourd

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Native to Asia and Africa, bottle gourd (colloquially known as lauki) may not be a choice of food for many people due to its bland taste. However, this green vegetable is increasingly gaining popularity among the fitness enthusiasts because of its high fibre content and low calories that help shed a few extra pounds, in addition to myriad health benefits. However, if you think that the bottle gourd is just a nutritional powerhouse, take a look at other benefits this versatile vegetable can provide in terms of beauty and healthcare.

  • Reinvigorates your skin. Prepare a mask by mixing chopped bottle gourd and cucumber with three tablespoons of yoghurt and gram flour; blend into a paste, apply for 20 minutes and then rinse off with water. You can use this face pack up to two times a week; the moisturising properties of vitamin E in this face pack will help remove dead skin cells, white heads and black heads, leaving your skin soft and supple. Also, if you want to remove tan lines and wrinkles, then rub the pulp of bottle gourd in a circular motion on your face and neck and leave it on for a few minutes twice a week.
  • Removes puffiness from your eyes. Take two round slices of refrigerated bottle gourd and place it on your eyes and relax for 20 minutes. Thanks to its high water content, this will help refresh your eyes and reduce the swelling around your eyes.
  • Boosts your hair health. Make a homemade hair pack with handful of chopped bottle gourd, two tablespoons of amla powder and few drops of olive oil and blend into a smooth paste. Apply on your hair strands for 35-40 minutes and then rinse off using regular shampoo. Doing this twice a week will make your hair glossy, strong and dandruff-free.
  • Cures your insomnia. Mix a few drops of bottle gourd juice with sesame oil and massage your scalp with this concoction regularly before going to bed; this will help you sleep better.

Rickshaw for differently abled individuals in Pakistan

Keeping in mind the predicament of people with disabilities, the Network of Organisation Working for People with Disabilities Pakistan (NOWPDP) launched a rickshaw project in first week of June. According to Amin Amir Andani, NOWPDP’s external engagement manager, “the primary objective of this project is to empower the differently abled individuals economically.

With this project, disabled people will be able to earn their own income and not be a burden on their families. Initially, the rickshaw project has started in Karachi and so far, five drivers are inducted by the organisation. Andani added that the organisation plans to hand over 100 more rickshaws to the disabled individuals by the end of this year.

The white retrofitted rickshaws have bird wings painted on the front. The four-seated rickshaws are fitted with a steering handle and they arerickshaw hand-controlled as the control of the gear, clutch and accelerator are all fixed to the steering handle while brake is an elevated lever. Other than that, all of the rickshaws are fitted with microphones, as the network will soon set up a call centre to coordinate between drivers and customers. Trakkar systems have been installed to help inform people at the office about their exact location. Each rickshaw also has a meter and they plan to fix the rates between Rs10 and 12 per kilometre. Andani further said that these retrofitted rickshaws are manufactured by Sazgar, the local rickshaw manufacturing company in Pakistan.

 Imran Ghanchi is the chief driver at NOWPDP who first started driving retrofitted rickshaw in 2012 when the organisation began their pilot project in 2012. It was with the help of polio stricken Ghanchi that the rickshaws were modified in accordance to the needs for the differently abled individuals.

 Before handing over the hand-controlled rickshaws, the organisation has trained individuals for three months. This includes learning about traffic rules and road signs as well as basic automotive repair. Andani is hopeful that these rickshaws will provide a sustainable mobility solution for differently abled individuals in the long run

Quiet By Day, Bustling By Night

On May 3, 2018, my review of Block 7, Gulshan-e-Iqbal, Karachi Pakistan was published in Dawn Newspaper. Below is the article which was printed and also I am adding link of the article as well as the snapshot (if you want to see how this place looks)IMG_20180504_175729

A decade ago, Block 7, Gulshan-e-Iqbal was a quiet neighbourhood characterised by large houses, tree-lined roads and a handful of grocery stores. Over the years, things have changed; plenty of apartment complexes have been established there, in addition to restaurants and commercial pockets.

A serene neighbourhood… If you drive through Block 7, you will see plenty of well-maintained houses built along quiet lanes. Several educational institutions, such as schools and training institutes dot the neighbourhood, as do commercial pockets where grocery stores and banks have a presence. Recreational avenues are limited to a few parks; these include Shaheed Inquilab Family Park, which has walking and jogging tracks, as well as a football pitch. The lesser known Jamshed Ansari Family and Al-Huda Parks are equally popular.

An emerging food street… In addition to apartment buildings, several supermarkets, retail stores and dining avenues have been established along Allama Shabbir Ahmed Usmani Road recently. Al Jannat Zaiqa and Jan Shinwari Restaurant are the go-to places for desi food such as chicken tikkas, malai boti and karahi. Other popular restaurants include Sizzlers Café & Grill, which is especially well-known for its steaks, burgers and sandwiches, and ChopSoy, which specialises in Chinese food. Several fast-food joints have a presence, including Bovi Chic, KFC and Pizza Hut. Their presence ensures that Allama Shabbir Ahmed Usmani Road is bustling with activity in the evenings and at night.

The real estate take… Block 7 is completely built-up; vacant plots are not available. Residential property options include apartments and houses. Houses on the main roads are increasingly being repurposed to serve as commercial enterprises such as schools, salons and fitness centres. Commercial property options include standalone shops and retail space in low-rise buildings. Property is in high demand; prices increase by 15 to 18% every year while rentals go up by eight to 10%.

 In a nutshell… Despite increasing commercialisation, Block 7, for the most part, remains a tranquil neighbourhood, mainly because most of the recently established stores and restaurants there are located along the major thoroughfares it is surrounded by.

Link: https://epaper.dawn.com/Advt.php?StoryImage=06_05_2018_808_003

https://epaper.dawn.com/?page=06_05_2018_808

Meat One Campaign ‘The Meat Experts’

Writing in one of the finest magazines of marketing and advertising, Aurora, has been a great experience. The article which I am sharing here is my second one for the magazine. It is about the campaign that Meat One, the premium brand of Al Shaheer Foods, launched in July, that aimed at repositioning the brand.

Below is the link of my article that I wrote for this campaign. The article is based on an interview with the brand and agency teams.

http://aurora.dawn.com/news/1142377/for-the-love-of-meat-one

 

Desi Beauty Remedies For Hair And Skin

For a glowing skin or lusty hair, go for the desi beauty ingredients.

Ubtan, sandalwood are a few of the ingredients that add radiance on your face.

Amla, reetha and shikakai are best for your hair as it not only makes your hair shiny but also add volume to it

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To read, please click link below:

http://epaper.dawn.com/Advt.php?StoryImage=13_08_2017_816_002

http://epaper.dawn.com/?page=13_08_2017_816

Happy Reading!

Asia’s First Lightweight Formula Racing Car

A group of engineering students from NED University of Science And Technology was awarded the Breakthrough Award at Formula Student Annual Competition 2017. The award was for their formula racing car, which is believed to be Asia’s first lightweight formula racing car.

Here is the link to read more about this car:

http://epaper.dawn.com/Advt.php?StoryImage=20_08_2017_811_001

http://epaper.dawn.com/?page=20_08_2017_811

lightweight car