Do we not just love tips? And what if they are money tips? In this economy?
There is a lot of advice on how to be on top of our money game regardless of who you are. Unless you do not bother yourself with reading financial stuff so as to keep yourself abreast on how to keep your finances in order. You may be too busy (or so you think) to go searching for that kind of information. You may think it is not necessary just as long as there is something to spend at least until the next cash flow.
How about keeping some tips at hand on how you can be a money retaining guru while you still work your job?
These are timeless tips on how to keep your finances in check and live a financial-worry free life. It is not impossible. You just need some tricks:
Understand your spending habits
In other words, keep a journal into which goes the minutest detail of which pesewa went where. I would recommend a budget but it is extremely difficult to keep up. This is Ghana and unexpected stuff crop up regularly. The problem is that we cannot regulate how regularly these things come to take up our money. Nevertheless, you can solve that problem with an emergency savings account.
You may decide to monitor your spending for the first three months in order to establish a pattern. You will then look at which spending habits to scrap and decipher which alternative options there are for you to replace these habits with. There is as well a chance of realizing which economies you can squeeze into those spending habits that you cannot do without. The key to understanding your spending habits is to be consistent and honest with the records you keep.