how to save money wisely

here are 10 tips i want to share with you.these are all based from my experiences, so i hope u learn something .

1.be disciplined---it tkes time, i knw.but jst try doing it step by step.everything starts from oneself.so be challenge.try not to barrow money.for starters,piggy bank can help a lot.

2.be patient--ez money, ezly gone.hard earned money,its worth d wait.

3.always giv a portion for God---or else God will take ol ur blessings.so count ur blessings and give thanks.bring back all d glory to God.

4.savings first before expenses---everytime u got ur salary,if possible separate30%of it for savings,and consume only 70% for expenses.

5.first things first---be practical.prioritize d "need" rather than d "want".if ther's excess or extra then dat's cd time u but what u want.

6.don't forget to treat urself from what u'v earned "once in a while".u deserve it.

7.make a budget plan---esp. if ur an independent person,it's a need.buy only the things dat is enuf for ur budget.if it exceeds,change ur badget plan.

8.respect money and money will respect u---it means take good care of it, don't abuse it.in everything there's an end, so learn to value it as long as it is still there or else in will fly away from u.put it neatly in ur wallet.take note,nver leave ur walllet empty.

9.never lend money unless its already an extra from ur budget, after spending for expenses and after saving.

10.invest ur money--u can put it in d bank for safe keeping or invest it in business dat u love.

*always remember big things comes from small things.dat's why small things do matter.