Trying to save a buck

I have read almost every article on the internet that tells you how you can go about saving your money. I know the ABCs of saving money. If there is one thing I live for, it is saving money. I am really very cheap. I even dedicated my past two years to saving more money. “Saving money” and positive spending habits are part of my vocabulary. I live and exist just to save me some mula.

I am the go-to guy for most of my friends when they need finance tips on how they can save their money and how best they can do so. I buy in bulk so I do not have to buy every time. I withdraw the whole amount of cash that I will need for a certain period of time because I do not want withdrawal charges from the bank mos. I am very inexpensive and very economical and I am proud about it. I do not buy branded items anymore; my friends buy those expensive things for me now. I know every nook and cranny when it comes to my finances. I know how much I will spend in the next two weeks, I know how much I will spend on my dates, I know how much I will be losing if I spend money on things I did not budget for this whole month… hence, I have a budget for overdrafts on my budget. I've even spoken to my business connect about how the inflation may ruin all my financial plans this year. I have a “connect” at every shop you name it, retail shops, butchery and even the clothing ones. I do whatever it takes to make sure that I do not spend money recklessly, but one thing I have made so far is not try to save that money. Sure I have heard about the various accounts and how you can open them and use them to save some money but I have never been bothered to open one.

I think the reason I do not have a savings account is because I have never needed one before. My friend tells me I'll need one for “a rainy day or that day when there is just an emergency”. But I have a contingency and emergency budget plan already so I have never needed a savings account. But things have changed I have realised that I need to save a little more than I do. I need to save more because I want to travel and explore our beautiful country at some stage, even our continent and later the world. I have realised I will have to open that savings account to reach my travel and leisure goals. The problem though is that some of our financial advisors or sales agents do not really explain the terms and conditions of opening these accounts properly to me and I thus usually lose interest when they mention some of these investments accounts that I mention.

There is a need for financial stability that I yearn for and I think I can only achieve that with a savings account. Many of the people who have these accounts themselves do not know the benefits of their accounts or how they work, but they still opened them and I am not one to do that. That is why I need to ensure that I am knowledgeable about where my money goes and how it will benefit me in the near future. I know a few people who have fallen prey to dubious investment deals that involved the buying and selling of stock and I do not want to end up like them, that is why I am so keen on saving.

I will be dedicating the next few days trying to look for ways to save my money in such a way that it would be favourable to me. Maybe I will get enough tips and advice on how to cut down on my spending habits I will find myself somewhere enjoying my company on one of my planned travel adventures.



Until next time. Peri nawa



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