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10 Ways To Save When You Earn Little 



We all want to be rich…who wouldn’t want to. But before we can be, we must know how to save some percentages of our monthly income. But if you earn little income, how do you?

If you are living your life from hand to mouth just because you’re not earning millions, it is high time you learnt how to save.

In this article, I will be sharing with you how you can save even when you earn little amount monthly. [Have you read the wealthy barber returns? Buy it from Amazon].

The general norm is to save 10% of your income but I tell you, you may need to do more than that monthly.

Remember, the art of saving is simple as well as hard. But, in order for you to save some money, you need to give up some lifestyles that you cannot afford.

Imagine earning 50k and think you can afford to live like celebrities. The result, you become a financial mess. You spend and spend till you have nothing to spend. Then you borrow and borrow till no one will lend you.

When you save money, you plan your life in such a way that your income can finance your lifestyle and still have more left. It takes a lot of discipline.

What are the ways to save? Take a sip and carefully peruse the tips.

1). Have a separate bank account: Now you are ready to save for dry season. The first step is getting a separate account you can put your monthly or weekly savings into. You can’t afford to be putting all your money in one account. You’ll be deceiving yourself by that except you are an exceptional money saver. Receive the salary with one and then transfer your savings to the account meant for that purpose. To keep this account safe, you may decide not to collect its ATM.

2). Start small: There’s no magic formula to save millions. You just have to start small. The amount you save doesn’t matter, what matters is your consistency.

Don’t wait till when you’ll earn significant amount before you start saving. If you’re going to wait, you may have to wait forever. You know why? Because you will never earn enough.

Saving can be likened to a drop of water. No matter how small it drips, it has the ability to fill a bucket giving it time. So is saving.

If you wait till you start earning millions s before you develop the habit of saving, it will be too late and wealth and financial freedom will elude you because you lack one of the basic ingredients to wealth – savings.

3). Budget and monitor it: Make your budget on how to spend your money for a particular month and stick to it no matter what. When you step beyond your budget, you put your savings at risk.

Shopping cart

4). Plan your shopping
: Don’t spend just because you feel like it. Palm your shopping ahead of time using your written budget every month. That way, you can’t buy what is not necessary.

5). Be mindful of your credit card: Studies have shown that you spend 12% more on average because using that card is such a smooth and frictionless way to spend money. Let your credit card out of your sight or keep it somewhere far like a woman suggest in Wealthy Barber Returns. Her urge to spend money would have subsided before she gets to where the card is.

Master card


Wealthy Barber || Millionaire next door || Richest Man In Babylon

6). Keep your expenses in check: You can do this by acting on your budget. Make sure whatever you buy is not out of the budget.

7). Find a side hustle: Find a way to make extra cent for yourself while still keeping your job. Discover what your hobbies are and find a way to make it pay. There are websites that need publicity, if you’re into that go ahead and venture into it.

8). Embrace delayed gratification: This refers to when you resist a smaller but immediate reward in order to receive a larger or more enduring reward later. Before you buy whatever is brought to you, don’t act immediately. Wait for some hours to decide whether you really need that stuff or not. Which helps to avoid impulsive buying.

9). Save before you spend: There is no other wrong ways than to spend before saving. Don’t save what is left. No, it won’t work! To help your saving, try as much as possible to save that percentage you said you’d save before you think of buying stuffs. You pay yourself first when you save and pay others when you spend.

10). Be cautious with mobile data: Mobile data is one of the easiest way to drain one’s pocket. We always want to be online to chat, gist, gossip etc. While doing that, think about your savings. [Read ways to limit your mobile data usage]

Extra tip: Make sure your spending do not beget spending. For instance, you bought a bag for outing and when you get home, it doesn’t match the clothe you wish to wear. You will be forced to spend more to make sure your outing is successful. Also, instead of you to buy new TV, you went ahead to repair the faulty one. Unlucky for you, after repair you find out that the report is not working. Etc. Let not your spending begets spending!

In conclusion, make it a habit to save some percentage every month whether you earn much or little. Tomorrow may not be like today. Accident may happen, things may change. Your boss may decide to let go of the company. Save! Save! Save! It pays.

What other ways do you save your money? Endeavor to share and share this post with as many as you love and help them.

© 2108 | Obembe S.D(SirPhren) | All Rights Reserved.

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Hi, I am Obembe, Sunday Dapo (SirPhren). I am the founder of this EMPIRE. I am a Registered Nurse, a Blogger and a Motivational Writer. I love sharing my knowledge with others. Am also an author on General Health Info and Health Info Corner. "Look within, the secret is inside you." To get through to me or HIRE me, am an email/ WhatsApp away. Am happy to have you around! Let's rock it together!

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Learn 7 Cures To Lean Purse



We all had lean purse and we could not make them fat. Not because we couldn’t but weren’t aware of how to. But as soon as I was able to lay my hands on The wealthy Barber Returns and The Richest Man In Babylon, I knew how and In this post, am going to share with you.

Are you looking for ways to fatten your purses? Who wouldn’t want to! These seven cures have been around us for the beginning of time we weren’t just aware or we didn’t have someone who could have told us before now. But now you know them.

1). Start your purse to fattening

You can refer to this cure simply as SAVINGS. How do you start your purse to fattening via savings? It is simple and also difficult. Simple in the sense that you will have to save some percentages of your monthly income, at least, 10%. Difficult in the sense that you will have to discipline yourself to do it for a very very long time.

“Which desirest thou the most? Is it the gratification of thy desires of each day, a jewel, a bit of finery, better raiment, more food; things quickly gone and forgotten? Or is it substantial belongings, gold, lands, herds, merchandise, income-bringing investments? The coins you take from your purse bring the first. The coins you leave within will bring the latter.

2). Control Your Expenditure

How can a man keep one-tenth of all he earns in his purse when all the coins he earns are not enough for his necessary expenses?

That what each of us calls our ‘necessary expenses‘ will always grow to equal our incomes unless we protest to the contrary. “Confuse not the necessary expenses with your desires.

“Study thoughtfully your accustomed habits of living. Let your motto be one hundred percent of appreciated value demanded for each coin spent.

Budget your expenses that you may have coins to pay for your necessities, to pay for your enjoyments and to gratify your worthwhile desires without spending more than nine-tenths of your earnings.”

3). Make your gold multiply

Now that your lean purse is fattening, it is time to put it into labour that it can work for you and multiply. The money you saved do nothing than to just stay there. To make your purse fatten more, Arkad advised, learn to invest your savings. When you invest your coins, if wisely done, shall bring more coins to you. But if done without knowledge, shall take more out of your purse. To make your gold multiply, learn from those experienced and trustworthy in investment.

Put each coin to laboring that it may reproduce its kind even as the flocks of the field and help bring to thee income, a stream of wealth that shall flow constantly into your purse.”

George Clason 7 cure to lean purse

4). Guard your treasure from loss

“Misfortune loves a shining mark. Gold in a man’s purse must be guarded with firmness, else it be lost. Thus it is wise that we must first secure small amounts and learn to protect them before the Gods entrust us with larger.” So spoke Arkad.

It is easier for us to be tempted by opportunities around us. It is easier for friends to lure us away from our goals. Yes, we do feel pitiful. But with all these, you must guard your investment from loss.

Arkad advised, “study carefully, before parting with your treasure, each assurance that it may be safely reclaimed. Be not misled by thine own romantic desires to make wealth rapidly.

“Before you loan it to any man assure yourself of his ability to repay and his reputation for doing so, that you may not unwittingly be making him a present of your hard-earned treasure.

“Before you entrust it as an investment in any field acquaint yourself with the dangers which may beset it. Be not too confident of your own wisdom in entrusting your treasures to the possible pitfalls of investments. Better by far to consult the wisdom of those experienced in handling money for profit.

Guard your treasure from loss by investing only where your principal is safe, where it may be reclaimed if desirable, and where you will not fail to collect a fair rental. Consult with wise men. Secure the advice of those experienced in the profitable handling of gold. Let their wisdom protect your treasure from unsafe investments.”

5). Make of your dwelling a profitable investment

Be always eager to build your house than pay for rent. If you want to decide which of either car or house to go for, what will you choose? To build a house or buy a car? You will be filled with happiness when you live in your own house than the fear of being evicted. Owning your own house reduces your expenses. Let go of the immediate gratification…own thy own house!

6). Provide for old age

Provide in advance for the needs of your growing age and the protection of thy family. Don’t live to gratify all distracting pleasurable things around you. Don’t live all from hand to mouth.

7). Increase your ability to earn

Do you have the desire to earn more? Then let your desire burns “Preceding accomplishment must be desire. Before you can accomplish more, you must desire more. Your desires must be strong and definite.

Cultivate your own powers, to study and become wiser, to become more skillful, to so act as to respect thyself. Then shall you acquire confidence in yourself to achieve your carefully considered desires.

These are the seven cures as stated in the book, Richest Man In Babylon

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