01. AUTOMATIC SAVINGS
->When you get your income, before you do anything else, save first
->You can set up a standing order with your bank or better still, a check- off system with your employer to help save automatically
02. LOOSE CHANGE
->At the end of the day, empty your purse/wallet and save coins in your Piggy bank
->When it fills up transfer funds into you savings account
03. SAVE YOUR 50's
->You can decide to save every 50 bob that passes through your hands
1.Calculate your expenses
Record your expenses daily,even the smallest i.e.Bank&Mpesa charges, Snacks,tips
This will give you an accurate financial picture of your expenses
2.Determine your income
Besides your regular income, add any extra income you get. i.e side hustles, interest and dividend