You need to work to save and not to pay a debt. When you borrow money, it means it’s something you can’t afford.
Never borrow money for money you expect; it has little saving as part of the income. Therefore, when you can buy it in cash, then don’t borrow.
Use your credit card wisely and clear mobile money lending apps; they will give you a negative credit score for no good reason.
The word is not that for saving; it is for a goal that is a motivating tool to make you save for it. That means you need to have a target for the amount of cash you are saving for. It must have a timeline to push you to save every little coin.
Have you had time to see how much you spend on the pub in a month?
Do you know that the little money you pay when you accumulate is a substantial amount of money? Entertainment isn’t bad, but it should be done in moderation.
Utility bills can also be expensive when you don’t use them; where possible, practicing utility saving tips will help you save some units. When you accumulate it, you can use that to save for a rainy day or a project.
The money you spend on lunch can be channeled to saving, and that doesn’t mean you stay hungry, but instead, you carry packed lunch.
When you spend your money, never spend everything at your disposal. As long as you have a saving notion, you will always spend sparingly that will make you reach your dream project with ease.
When you have your salary, you will always spend within your budget without yet another votehead. That means that any excess money you will get, you will permanently save it for the dream project.