Ask yourself: Do I want this? or do I need it? Will spending this money get me closer to my financial goals or further away? Can I live without it? Set clear priorities for yourself and the decisions become easier to make.
You probably know how much you earn each month – but do you also know where it all goes? Find out by tracking what you’re spending. Spend as you normally would, but for a few weeks, jot down every cent you spend. It’s easy and you might be amazed by what you find out
"A stitch on time saves nine". In every 100 KES you earn fix a fixed % and keep it aside. This will add funds for any better cause or an emergency. Berry allows part payments to reduce the burden on the users to make lump sum amounts.
Make sure that you are not spending more than you make. Balance your budget to accommodate everything you need to pay for.