Track Your Spending
Keeping tracking of your spending (even for 30 days) allows you to know exactly what you spend.
Have you ever gone to the ATM and two days later asked yourself, "I know I got N20, 000 on Tuesday -- where did it go?"
You may remember some of it, but you will not remember all of it. Tracking spending takes out the guesswork and puts you firmly in control of your finances.
From there, it's easy to determine what you can cut or, better yet, what you can save.
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