How hard?

Mellin Amayo

Today I’m fortunate enough to meet a very successful young lady with whom budgeting in campus favoured a great deal.
Me: Hi?
Lady: Hi.
Me: You look amazing I must say.
Lady: Thank you. I know how to manage and maintain myself.
Me: Exactly what I need to know right now. So I’ll start by asking, where and how did you start from?
Lady: Mmmh! I 1st started small with atleast 20/- everyday into my savings box. Later on I had a weekly challenge app that boosted and motivated me.
Me: What does it cost to budget?
Lady: Budgeting costs nothing as long as you as a student know what you want and plan yourself.
Me: Well how much do I need to save then?
Lady: This is where most students go wrong. You subtract your expenses from the little pocket money you are given and save whatever that is left which is so wrong. Determine how much you need to save and lower your expenses until you reach your goal. No one knows how much you need to save but you.
Me: Interesting,, but what if I lose track?
Lady: Unless you don’t motivate yourself by thinking about the vision you set for your future financially, you can’t lose track?
Me: And for occasional happenings, how do I budget for them?
Lady: For campus students these are birthdays and parties. It’s just a matter of being creative and taking up a side huste.Invest in the profits and make savings