In order to achieve the goals we have set for ourselves in our lives we must have financial discipline based on our income. In order to be financially sound you need to consider the following;
Learn to save for whatever income you have. For example, you can set yourself up for even a very small start in the bank, financial services through mobile services.
Avoid informal or unnecessary use. make use of the things you need and not the things you want, for example use money to pay fees, taxes, necessities, buy food, water or electricity bills and other things that are important to human beings or that people should spend money on. Do not spend money on alcohol or parting.
Invest your money so that it grows and becomes more productive, for example open businesses or projects that will generate your money.
Set realistic goals for your life that will lead to the proper use of your money.
Avoid unnecessary loans or bad credit which you are borrowing to travel, donate to a wedding, buy a luxury car but you can borrow to buy a plot or build a commercial house because its value increases every day.
Have savings for emergency such as illnesses, accidents and disasters.
Write a list before you go shopping. before you go into a store for any reason, make a list of what you intend to buy. Don't go to stores without a purpose because you will spend money.
Avoid fast food. Cook more at home than buying outside