💡 Practical steps to save money from your salary even if it’s small:
1️⃣ Divide your salary as soon as it arrives:
Before you spend, set aside 5% or 10% even if it’s a very small amount.
(The principle is to save first and spend the rest, not the other way around).
2️⃣ Create a simple budget:
Write down your essential expenses (food, housing, transportation) and your secondary expenses (coffee, luxuries).
You’ll be surprised how much money is wasted on unimportant things.
3️⃣ Reduce luxury items:
You don’t have to eliminate them completely, just reduce them. For example: instead of having coffee outside every day, limit it to two days a week.
4️⃣ Use the 70/20/10 rule:
70% for essential needs
20% for savings or investments
10% for enjoyment/leisure (so you don’t get bored)
5️⃣ Buy in bulk or during sales:
This significantly reduces household expenses over time.
6️⃣ Look for a simple additional income:
Freelancing, online selling, a small skill to learn… even a small side income makes a difference over time.
7️⃣ Use the "wait 24 hours" rule:
Before you buy something unnecessary, wait a day. You’ll often find that you don’t really need it.
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