A penny a day, a step to freedom

Hello there, guys.

The way the days just fly by still baffles me, possibly because I've been extremely busy lately and I mostly only have time at night, which is why I write or do other personal things at night. I still need to plan this year carefully in order to be organized. Okay, so today I saw a picture of an apartment on social media, and a woman talked about how she saved up to get that apartment, and just looking at that picture was really inspiring, and it shows how hard she worked.

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So back to it

I've had my own experience where I needed to save up for a machine, wig, and other items. I didn't really have a budget; all I wanted to do was save money. I began with the local one (piggy box/bank/kolo), but I was tempted and kept deceiving myself, so I had to stop. Then I started the online one as well, though you may be tempted to withdraw as well, but they have a policy that helps if you don't withdraw in any case. I was very proud of myself because it takes a lot of discipline and patience to get just two of the things I wanted at the time.

Investments are savings too in that they yield earnings and are often long-term. Any property, whether it be land or a building, is an investment. All of these celebrities who buy expensive items such as bags and paintings are making investments that they will sell for a very high price in the future; all of those ancient artworks are now worth millions and billions of dollars, so I promote investing as well.

You've probably heard a variety of strategies to save and spend, and we all need to know how to save and spend at times. I was telling a friend about how much money I've been spending on food and how I'm not really saving or attempting to save money. If you earn $500 per month, that does not mean you will save $400. You must plan how you will spend your money. I saw a video of a man explaining how we should divide our money; some individuals invest half of their profits. I don't recall the exact ratio, but you should set aside 10% of your wages for savings, 10% for investments, 20% for feeding, and 10% for tithes and the likes it can be more or less it depends.

Savings requires determination, patience and discipline its not easy to do but its worth it. I hope we start the habit of savings .

Thank you for reading

Have a goodnight😊