Check out these tips to help you stay money smart this year

Goodbye old year, welcome new year, new year new challenges, don't you think so, so I'm here to present to you some tips that can help you stay money smart this year.

If you think saving money is on the least of your agenda, and you want to brush it under the carpet and say no go area, then I'm here to help you correct that mentality.

Have you ever noticed that January is the time most people are broke and na so them go they shine their eye dey look because they have spent all their salary girating.

But when reality then done on them especially at the beginning of the year, when they are in need of cash that's when they will realize that extra savings can indeed save their ass.

Just imagine you have a lot of bills to pay like electricity, house rent, that's when one landlord will come and be knocking on your door.

Kpor, kpor, kpor
Who dey house
I don come collect my money o

And imagine that you don't have any savings, that's when you will see papa bomboy jumping fence to escape the landlord's wrath lol.

Everything in this life requires a lot of sacrifices, you have to give up something today to enjoy it tomorrow, just look at the principle of sowing and reaping, if you sow a small seed of crop today when it's time for harvesting you will get even more than what you planted.

* Never forget

"The journey of a thousand miles starts with one step"

At the beginning of the year we all make new year resolution and this helps us to become a better person. The new year provides us with the right opportunity to put our plans into action.

For you to financially stable this year then you have to consider these tips.

Stop making Excuses

You have to stop justifying your reason for not saving

Eh,I don't have enough money to start

This is not the right time

Where will I start from

Ha, I'm holding mama iyabo plenty

So I can't save

I have to pay my debt first

All of the above might be enough reason not to save, but they are just mere excuses, although it might be scary when you don't know the inevitable, but nothing is impossible, there is no perfect time to start saving, in fact you have to start now.

Start saving Small Cash

You don't have to have big money before you start saving, all those small change that remains when you buy something, you can start saving from them no matter how small even if it's coins save, if it means getting a small piggy bank where you can be dropping money into get it.

Then ensure that you use a padlock to lock it, so that you would not be tempted to open it, keep saving little by little, it might be painful at first oh but in the long run na you go still thank me

Set Goals

Yes this is important, you have to set a goal of how much you would be saving, but before you start saving you have to put into consideration your current source of income, you can even consider more ways you can generate income maybe by taking extra work, selling something or scaling back your lifestyle.

You need to be focused in anything you are doing and be determined to succeed in it. You can own your dreams by taking the right step.

"There is nothing like having financial peace and security"

Always remind yourself of the reason why you want to save and take a moment to reflect on the peace and relief you will feel when you meet your goals.

Keep track of your Spending

Out of sight is out of mind, if you don't keep track of the way you spend money you will discover that you will forget so quickly of what you've spent so far, its amazing because before you realize there's no money in your hand anymore and you would be wondering where the money vanished to

Don't buy anything you know you won't be using because that will be a waste of your resources, you should know when your spending is getting out of control and when to be a little bit more careful.

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