Tips and tricks for saving money on your groceries


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Does it sometimes feel like you're spending more money on food but getting less in return? Well, you'd be spot on. A study by the Sunday Independent newspaper in Ireland found that, between January 2008 and May 2013, the average rate of inflation had risen by 2 per cent. The cost of certain groceries, however, had climbed by a whopping 40 per cent. An unsteady economy and global warming have been blamed for this startling figure. But, although there is little we can do to curb these factors, we are still in control of our spending. And so, to prevent you having to give up your favourite foods, I've compiled a few tips and tricks to help you trim your grocery bill and get the most out of your budget.
Plan ahead
 Before even setting foot out of the door to go shopping, sit down and draw up a list of all meals for the week ahead. Take stock of what you already have in your pantry and formulate a detailed menu for each day of the week. To save time and energy, you may even plan on preparing a double portion on one evening to be had as leftovers the following day. As a guide to save you a few extra pennies, check the weekly pamphlets of your favourite store to see what specials are on offer that week. And, probably the biggest tip I can give you, have a snack before you leave the house. Shopping on an empty stomach can lead to hasty impulse buys and unnecessary spending.
What's in season?
 You'll recognise seasonal produce as the cheaper, more abundant vegetables in your supermarket. If you're unsure about the cost versus quality of a product, the cost per unit rule comes into play here. Check the price of staple vegetables such as potatoes and onions in bags compared to those that are set out individually and priced per kilo. Another top tip is to plan your meals according to seasonal stock. If it's avocado season, why not buy a bulk tray, allow them to ripen at home and incorporate them into a variety of salads and meal combinations? And choose whole vegetables over the cut and packaged variety. Yes, they may be more convenient and time-saving, but those added luxuries come at added cost.
Keep it fresh
 When shopping, think of your food choices in terms of nutrients as opposed to calories. Instead of opting for items packed with empty calories, rather go for foods dense in vitamins and minerals. If your family has a sweet tooth, for example, consider buying a bag of lychees (or whichever fruit is in season) over a bag of cookies. They may cost the same amount, but instead of paying for refined sugar and additives, you're investing in nutrient- and fibre-rich foods instead.
Don't fall for 'promotions'
 You know the huge display at the end of the grocery aisle promoting a one-day-only offer? Don't be fooled. These items may appear cheaper at face value, but are not necessarily the greatest in value. Be sure to study the label and calculate the cost per kilo. Also, when it comes to the layout of the shelves, bear in mind a little thing called "eye-level placement". Companies pay good money to stock their items at the customer's eye level. The more affordable, less expensive products can most often be found on the top or bottom shelves.
A meaty matter
 By now, we all know that red meat is not the healthiest option when it comes to our choice of protein. But it is good to indulge every once in a while. And so, when shopping in the meat section, consider a cut of meat by its cost to you per serving, and not by its cost per kilo. Look at the fat and bone content of each tray of meat. The lower-priced tray of lamb chops suddenly doesn't seem as appealing, does it? Rather, settle on larger cuts of meat versus those chopped into smaller pieces. It's often easier to trim the fat off large pieces of meat than off the small cuts anyway. If you're worried about storing the bigger whole cuts, many butchers will chop these up for you at no extra cost. Here's another way to save on pricey meat purchases (if your family will allow, of course): make one night per week "vegetarian night". Get your protein from less expensive sources such as beans, or whole grains like quinoa and tofu. This is also a great opportunity to use up all of the veggies that may be nearing their use-by date.
 While there is little we can do about rising food prices, we do still have a say in which foods we choose to buy and from which sources. Maybe you're an organic food convert or a believer in bulk buying. Now is truly the time to shop with our heads and develop a special interest in food trends. With all things considered, it's great to know that good prices do not need to come at the expense of good nutrition.
 Janelle Malone is a wealth commentator, writer and author. You can read her blog at www.womenmoneyandstyle.com

RESULTS - ELITE MEN

1. Henri Schoeman (RSA) 57:03
2. Mario Mola (ESP) 57:09
3. Vincent Luis (FRA) 57:25
4. Leo Bergere (FRA)57:34
5. Jacob Birtwhistle (AUS) 57:40    
6. Joao Silva (POR) 57:45   
7. Jonathan Brownlee (GBR) 57:56
8. Adrien Briffod (SUI) 57:57           
9. Gustav Iden (NOR) 57:58            
10. Richard Murray (RSA) 57:59       

Gulf Under 19s final

Dubai College A 50-12 Dubai College B

2021 World Triathlon Championship Series

May 15: Yokohama, Japan
June 5: Leeds, UK
June 24: Montreal, Canada
July 10: Hamburg, Germany
Aug 17-22: Edmonton, Canada (World Triathlon Championship Final)
Nov 5-6 : Abu Dhabi, UAE
Date TBC: Chengdu, China

'Worse than a prison sentence'

Marie Byrne, a counsellor who volunteers at the UAE government's mental health crisis helpline, said the ordeal the crew had been through would take time to overcome.

“It was worse than a prison sentence, where at least someone can deal with a set amount of time incarcerated," she said.

“They were living in perpetual mystery as to how their futures would pan out, and what that would be.

“Because of coronavirus, the world is very different now to the one they left, that will also have an impact.

“It will not fully register until they are on dry land. Some have not seen their young children grow up while others will have to rebuild relationships.

“It will be a challenge mentally, and to find other work to support their families as they have been out of circulation for so long. Hopefully they will get the care they need when they get home.”

AVOID SCAMMERS: TIPS FROM EMIRATES NBD

1. Never respond to e-mails, calls or messages asking for account, card or internet banking details

2. Never store a card PIN (personal identification number) in your mobile or in your wallet

3. Ensure online shopping websites are secure and verified before providing card details

4. Change passwords periodically as a precautionary measure

5. Never share authentication data such as passwords, card PINs and OTPs  (one-time passwords) with third parties

6. Track bank notifications regarding transaction discrepancies

7. Report lost or stolen debit and credit cards immediately

Company profile

Name: Fruitful Day

Founders: Marie-Christine Luijckx, Lyla Dalal AlRawi, Lindsey Fournie

Based: Dubai, UAE

Founded: 2015

Number of employees: 30

Sector: F&B

Funding so far: Dh3 million

Future funding plans: None at present

Future markets: Saudi Arabia, potentially Kuwait and other GCC countries

War

Director: Siddharth Anand

Cast: Hrithik Roshan, Tiger Shroff, Ashutosh Rana, Vaani Kapoor

Rating: Two out of five stars 

MATCH INFO

Uefa Champions League final:

Who: Real Madrid v Liverpool
Where: NSC Olimpiyskiy Stadium, Kiev, Ukraine
When: Saturday, May 26, 10.45pm (UAE)
TV: Match on BeIN Sports

Ferrari 12Cilindri specs

Engine: naturally aspirated 6.5-liter V12

Power: 819hp

Torque: 678Nm at 7,250rpm

Price: From Dh1,700,000

Available: Now

Silent Hill f

Publisher: Konami

Platforms: PlayStation 5, Xbox Series X/S, PC

Rating: 4.5/5

Abu Dhabi race card

5pm Abu Dhabi Fillies Classic Prestige Dh110,000 1,400m

5.30pm Abu Dhabi Colts Classic Prestige Dh110,000 1,400m

6pm Abu Dhabi Championship Listed Dh180,000 1,600m

6.30pm Maiden Dh80,000 1,600m

7pm Wathba Stallions Cup Handicap Dh80,000 1,400m

7.30pm Handicap (TB) |Dh100,000 2,400m

Mercer, the investment consulting arm of US services company Marsh & McLennan, expects its wealth division to at least double its assets under management (AUM) in the Middle East as wealth in the region continues to grow despite economic headwinds, a company official said.

Mercer Wealth, which globally has $160 billion in AUM, plans to boost its AUM in the region to $2-$3bn in the next 2-3 years from the present $1bn, said Yasir AbuShaban, a Dubai-based principal with Mercer Wealth.

Within the next two to three years, we are looking at reaching $2 to $3 billion as a conservative estimate and we do see an opportunity to do so,” said Mr AbuShaban.

Mercer does not directly make investments, but allocates clients’ money they have discretion to, to professional asset managers. They also provide advice to clients.

“We have buying power. We can negotiate on their (client’s) behalf with asset managers to provide them lower fees than they otherwise would have to get on their own,” he added.

Mercer Wealth’s clients include sovereign wealth funds, family offices, and insurance companies among others.

From its office in Dubai, Mercer also looks after Africa, India and Turkey, where they also see opportunity for growth.

Wealth creation in Middle East and Africa (MEA) grew 8.5 per cent to $8.1 trillion last year from $7.5tn in 2015, higher than last year’s global average of 6 per cent and the second-highest growth in a region after Asia-Pacific which grew 9.9 per cent, according to consultancy Boston Consulting Group (BCG). In the region, where wealth grew just 1.9 per cent in 2015 compared with 2014, a pickup in oil prices has helped in wealth generation.

BCG is forecasting MEA wealth will rise to $12tn by 2021, growing at an annual average of 8 per cent.

Drivers of wealth generation in the region will be split evenly between new wealth creation and growth of performance of existing assets, according to BCG.

Another general trend in the region is clients’ looking for a comprehensive approach to investing, according to Mr AbuShaban.

“Institutional investors or some of the families are seeing a slowdown in the available capital they have to invest and in that sense they are looking at optimizing the way they manage their portfolios and making sure they are not investing haphazardly and different parts of their investment are working together,” said Mr AbuShaban.

Some clients also have a higher appetite for risk, given the low interest-rate environment that does not provide enough yield for some institutional investors. These clients are keen to invest in illiquid assets, such as private equity and infrastructure.

“What we have seen is a desire for higher returns in what has been a low-return environment specifically in various fixed income or bonds,” he said.

“In this environment, we have seen a de facto increase in the risk that clients are taking in things like illiquid investments, private equity investments, infrastructure and private debt, those kind of investments were higher illiquidity results in incrementally higher returns.”

The Abu Dhabi Investment Authority, one of the largest sovereign wealth funds, said in its 2016 report that has gradually increased its exposure in direct private equity and private credit transactions, mainly in Asian markets and especially in China and India. The authority’s private equity department focused on structured equities owing to “their defensive characteristics.”

Batti Gul Meter Chalu

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Director: Sree Narayan Singh
Cast: Shahid Kapoor, Shraddha Kapoor, Divyenndu Sharma, Yami Gautam
Rating: 2/5

About Karol Nawrocki

• Supports military aid for Ukraine, unlike other eurosceptic leaders, but he will oppose its membership in western alliances.

• A nationalist, his campaign slogan was Poland First. "Let's help others, but let's take care of our own citizens first," he said on social media in April.

• Cultivates tough-guy image, posting videos of himself at shooting ranges and in boxing rings.

• Met Donald Trump at the White House and received his backing.

Results
  • Brock Lesnar retained the WWE Universal title against Roman Reigns
  • Braun Strowman and Nicolas won the Raw Tag Team titles against Sheamus and Cesaro
  • AJ Styles retained the WWE World Heavyweight title against Shinsuke Nakamura
  • Nia Jax won the Raw Women’s title against Alexa Bliss
  • Daniel Bryan and Shane McMahon beat Kevin Owens and Sami Zayn
  • The Undertaker beat John Cena
  • The Bludgeon Brothers won the SmackDown Tag Team titles against the Usos and New Day
  • Ronda Rousey and Kurt Angle beat Triple H and Stephanie McMahon
  • Jinder Mahal won the United States title against Randy Orton, Rusev and Bobby Roode
  • Charlotte retained the SmackDown Women’s title against Asuka
  • Seth Rollins won the Intercontinental title against The Miz and Finn Balor
  • Naomi won the first WrestleMania Women’s Battle Royal
  • Cedric Alexander won the vacant Cruiserweight title against Mustafa Ali
  • Matt Hardy won the Andre the Giant Battle Royal
Thanksgiving meals to try

World Cut Steakhouse, Habtoor Palace Hotel, Dubai. On Thursday evening, head chef Diego Solis will be serving a high-end sounding four-course meal that features chestnut veloute with smoked duck breast, turkey roulade accompanied by winter vegetables and foie gras and pecan pie, cranberry compote and popcorn ice cream.

Jones the Grocer, various locations across the UAE. Jones’s take-home holiday menu delivers on the favourites: whole roast turkeys, an array of accompaniments (duck fat roast potatoes, sausages wrapped in beef bacon, honey-glazed parsnips and carrots) and more, as  well as festive food platters, canapes and both apple and pumpkin pies.

Ruth’s Chris Steakhouse, The Address Hotel, Dubai. This New Orleans-style restaurant is keen to take the stress out of entertaining, so until December 25 you can order a full seasonal meal from its Takeaway Turkey Feast menu, which features turkey, homemade gravy and a selection of sides – think green beans with almond flakes, roasted Brussels sprouts, sweet potato casserole and bread stuffing – to pick up and eat at home.

The Mattar Farm Kitchen, Dubai. From now until Christmas, Hattem Mattar and his team will be producing game- changing smoked turkeys that you can enjoy at home over the festive period.

Nolu’s, The Galleria Mall, Maryah Island Abu Dhabi. With much of the menu focused on a California inspired “farm to table” approach (with Afghani influence), it only seems right that Nolu’s will be serving their take on the Thanksgiving spread, with a brunch at the Downtown location from 12pm to 4pm on Friday.

The specs

Engine: 2.0-litre 4-cyl, 48V hybrid

Transmission: eight-speed automatic

Power: 325bhp

Torque: 450Nm

Price: Dh289,000

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Manikarnika: The Queen of Jhansi

Director: Kangana Ranaut, Krish Jagarlamudi

Producer: Zee Studios, Kamal Jain

Cast: Kangana Ranaut, Ankita Lokhande, Danny Denzongpa, Atul Kulkarni

Rating: 2.5/5

MATCH INFO

Euro 2020 qualifier

Norway v Spain, Saturday, 10.45pm, UAE

The National's picks

4.35pm: Tilal Al Khalediah
5.10pm: Continous
5.45pm: Raging Torrent
6.20pm: West Acre
7pm: Flood Zone
7.40pm: Straight No Chaser
8.15pm: Romantic Warrior
8.50pm: Calandogan
9.30pm: Forever Young

MATCH INFO

Uefa Champions League semi-final, first leg
Bayern Munich v Real Madrid

When: April 25, 10.45pm kick-off (UAE)
Where: Allianz Arena, Munich
Live: BeIN Sports HD
Second leg: May 1, Santiago Bernabeu, Madrid

Islamophobia definition

A widely accepted definition was made by the All Party Parliamentary Group on British Muslims in 2019: “Islamophobia is rooted in racism and is a type of racism that targets expressions of Muslimness or perceived Muslimness.” It further defines it as “inciting hatred or violence against Muslims”.

How to wear a kandura

Dos

  • Wear the right fabric for the right season and occasion 
  • Always ask for the dress code if you don’t know
  • Wear a white kandura, white ghutra / shemagh (headwear) and black shoes for work 
  • Wear 100 per cent cotton under the kandura as most fabrics are polyester

Don’ts 

  • Wear hamdania for work, always wear a ghutra and agal 
  • Buy a kandura only based on how it feels; ask questions about the fabric and understand what you are buying
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Nick's journey in numbers

Countries so far: 85

Flights: 149

Steps: 3.78 million

Calories: 220,000

Floors climbed: 2,000

Donations: GPB37,300

Prostate checks: 5

Blisters: 15

Bumps on the head: 2

Dog bites: 1

ICC Awards for 2021

MEN

Cricketer of the Year – Shaheen Afridi (Pakistan)

T20 Cricketer of the Year – Mohammad Rizwan (Pakistan)

ODI Cricketer of the Year – Babar Azam (Pakistan)

Test Cricketer of the Year – Joe Root (England)

WOMEN

Cricketer of the Year – Smriti Mandhana (India)

ODI Cricketer of the Year – Lizelle Lee (South Africa)

T20 Cricketer of the Year – Tammy Beaumont (England)

MATCH INFO

Serie A

Juventus v Fiorentina, Saturday, 8pm (UAE)

Match is on BeIN Sports

COMPANY PROFILE

Name: Qyubic
Started: October 2023
Founder: Namrata Raina
Based: Dubai
Sector: E-commerce
Current number of staff: 10
Investment stage: Pre-seed
Initial investment: Undisclosed 

Springsteen: Deliver Me from Nowhere

Director: Scott Cooper

Starring: Jeremy Allen White, Odessa Young, Jeremy Strong

Rating: 4/5