A lot of time, it isn’t that things catch us unaware but that we don’t plan ahead for the things we know that are coming. It’s why despite having a whole year to save for house rent, people still find themselves stuck by the new year with little or no money to cover for their expenses.
When asked to save, we have a lot of excuses ranging from how the money we earn is too small to how we can’t just have money and not spend it to how it’s hard to be consistent about putting money aside. We are willing to accept that saving money is good for us but we struggle to execute that choice.
Dear Young Person, first of all, if you really want to save, you have to save before you spend. You can’t save what is left because there is usually nothing left after spending. Secondly, you can not save what you don’t have, your savings is only a portion of your earning. It can’t be more than your earning. Don’t compare your savings to others.
Always have a reason for saving. Don’t just save with no reason, save with a goal in mind; to pay rent, buy a new phone, buy a new laptop, pay bills and so on.
Keep yourself accountable or get an accountability partner. You can also get a savings app to help you stay accountable. I personally use piggybank.ng and that has been working out fine for me.
Here is to an intentional 2019!
Cheers to your financial success!
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DEAR YOUNG PEOPLE 
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