20 Ways I Save Money as an Immigrant Living in South Africa

Rising living costs, volatile exchange rates, and limited safety nets have made financial discipline a necessity rather than a choice for many immigrants in South Africa. For those navigating a new country, often while supporting family across borders, saving money is not just about comfort; it is about survival, stability, and long-term opportunity.

I believe it is possible to build wealth at almost any income level if you develop the right habits and make intentional choices about everyday spending. Below are 20 practical ways I save money as an immigrant living in South Africa, lessons shaped by experience, trade-offs, and careful planning.

FOOD & GROCERIES

Food is one of the most controllable household expenses and often the most underestimated.

1. Buy groceries once a month
I shop for groceries monthly rather than in small, frequent trips. Planning one large shop reduces impulse purchases and makes spending more predictable. For non-perishables, bulk buying has consistently saved me money. I use the same approach when supporting my parents back home, where sending groceries in bulk for six months is often cheaper than sending cash monthly.

2. Be intentional about where you shop
Prices vary widely across South African retailers. Stores such as Pick n Pay, Shoprite, Checkers, Woolworths, Food Lover’s Market, and bulk wholesalers often price the same item differently. Shopping with awareness and checking expiry dates when buying in bulk helps avoid overpaying or wasting food.

3. Buy fresh produce at farmers’ markets
When I lived in Midrand, I regularly shopped at the Johannesburg Fresh Produce Market. A pack of carrots that might cost R14-R20 per pack at a supermarket, the same pack by 10 would cost R50 at the market. I would share the cost with a friend because even if it's cheap, 10 packs of carrots is a lot for one household; this can stretch food budgets significantly while offering fresher produce that lasts longer.

4. Having a garden
Even limited space can reduce grocery costs. On my balcony, I grow covo, spinach, okra, herbs, and potatoes. This can take time, but the long-term savings and the reduced reliance on store-bought produce make it worthwhile.

5. Cook creatively instead of eating out
With fresh greens on hand, it becomes easier to diversify meals at home. Online platforms like YouTube, TikTok, and Pinterest have helped me recreate restaurant-style meals, making eating out an occasional choice rather than a habit.

BILLS & HOME COSTS

These savings are less visible but often have the biggest long-term impact.

6. Switch off the geyser
Electricity costs add up quickly. We switch the geyser on when we need hot water, like maybe 30 or 60 minutes before, and switch it off after. Timers are another effective option, especially for homeowners, and simple habits like switching off unused lights also make a difference.

7. Budget consistently
Regular budget reviews often reveal expenses that no longer make sense. For immigrants, even administrative changes such as obtaining a South African driver’s license or ID can significantly reduce car insurance premiums. So when you have any administrative change, think about how it can help reduce any money commitment you currently have.

8. Budget as a couple
Shared financial planning creates accountability. When both partners understand household goals, it reduces unplanned or “silent” spending and reinforces shared priorities.

LIFESTYLE

9. Avoid overbuying clothes
Trends change quickly, but costs add up permanently. I prioritize basic essentials and plan clothing purchases. Delayed gratification waiting months to see if I still want an item has helped curb impulse buying.

10. Reduce mall visits
Malls are designed to encourage spending. Fewer visits mean fewer temptations and fewer unplanned purchases.

11. Not everything on sale is a deal
A discount only saves money if the item was already in your budget. Otherwise, it is still an expense.

12. Be cautious with subscriptions
Streaming services, apps, and “free trials” can quietly drain accounts. I once subscribed to a premium travel service linked to an international booking platform and struggled to stop charges even after cancelling. I had to block that card and apply for a new one to protect my account, so be mindful of your subscriptions.

13. Accept that it is okay to miss out
Saying no to social plans when finances are tight protects both your budget and your peace of mind. Financial boundaries are a form of self-respect.

LONG-TERM HABITS

14. Regularly look for ways to cut costs
Before renewing a rental lease, compare alternatives; you may find better value elsewhere. Reassess car insurance, maintenance costs, and internet packages. Small adjustments can produce meaningful savings over time.

15. Use loyalty and rewards programs.
Most major retailers offer free reward cards. These are useful when buying groceries, as you can save a reasonable amount by year-end as well as earn some points, which can help you save on one of your purchases.

16. Automate investments and savings
Automated monthly investments, such as actively managed funds, turn saving into a non-negotiable expense. This approach works particularly well for those who struggle to save manually.

17. Set clear financial goals
Saving is easier when it has a purpose. Following through using savings for their intended goal builds motivation and confidence.

18. Reduce debt wherever possible
High-interest debt limits financial flexibility. Prioritizing repayment, especially on costly debt, creates room for future growth.

19. Be intentional with planning
Do not rely on things “working out.” Living below your means and planning ahead is especially important when financial safety nets are limited.

20. Never compare your journey
In the age of social media, comparison is both easy and misleading. Many people present success publicly while struggling privately. Financial responsibilities vary widely; some support parents, children, or extended families, while others do not. Comparing paths often leads to spending beyond one’s means.

For immigrants in South Africa, financial stability is rarely accidental. It is built through deliberate choices, consistent habits, and the willingness to prioritize long-term security over short-term appearances. Saving money is not about deprivation; it is about creating options, resilience, and peace of mind in a complex economic landscape.