05/01/2022
Its not like I was getting money or business wasn't good, the thing is my saving and spending culture wasn't right for me and it was affecting me, so at the beginning of 2021, I mapped out ways to save money and it worked, I hope it helps some one today.
1. I ate out less: Prior to this time as a hustling mum, a wife and a student, I prepare food for my family then rush off to work to avoid being late without thinking of what to eat, by doing this I end up eating out more, ah it stopped in 2021 because I now planned my sleeping time, waking up time, cooking time then I take my meals to the office, this helped me save those little money I spent on foods and also helped me eat right.
2. I started AUTOMATED savings: so I realized that Access (diamond) bank app has an ESUSU plan for interested customers who will decide how much to save at a stipulated date of the month, with this app I saved the little I wanted to save for the year, and yes you don't have Access to the funds till the agreed date. It helped too.
3. I STOPPED IMPULSE BUYING & CREATED A MONTHLY BUDGET: I'm a person that can buy both what I need and don't need when I found that it was taking a tone on my savings culture, I stopped it and created a monthly budget, the monthly budget were things I needed for the month except there was an emergency.
4. KEPT TRACK OF MY SPENDING: I got a note book, where I write down every thing that came to me as income and everything I spent as expenditure, with this I was able to tell if my spendings was more than my income.
5. I JOINED AN AJO COMMUNITY: So i belong to a community on WhatsApp called by this community did not just help sharpen my savings culture it helped in my social media engagement and business improvement, things i didn't know I could do as a business person, I was able to achieve with the help of bgh. from monthly savings to weekly saving to clients who registered their business name through me.
so you see sometimes i shouldn't end in saying the things you want to achieve, ensure you make conscious efforts towards achieving them with the right mindset and the right people.
I hope this hel