Money, like your daily time, is a resource to manage. Financial planning involves:

Setting goals.
Developing a strategy to reach these goals.
Living within your means.
Planning.
Taking charge of your financial respons[/b]ibilities.

Follow these tips:

Spend less than you make.
Create a budget.
Create a long-range budget for a year
Keep receipts, bills,
Keep a tax file.
File all of your receipts. Be realistic and monitor your budget each month. Refine it, and then stick to it.
.

[b] Resist wasteful habits.
Little indulgences add up fast. Here are some ways you may save some money:

Brew your own coffee and pack a snack instead of buying a latte and a roll every morning.
Buy a water filter and fill a water jar instead of buying bottled water.
Pack your lunch
reduce your alcohol consumption and reduce smoking/women and save thousands of NAIRA a year.

Shop wisely.
Have a list of items you need when you go into a store and don't buy on impulse.
Pay cash.

Don't BUY ON credit

Use critical thinking when considering an expensive purchase.

Think through expensive purchases such as a stereo, or a computer. use public transportation whenever possible or walk or use a bike/car pool if possible.

Stay healthy.
It costs a lot in time, energy, . Exercise an hour a day and avoid unhealthy snacks and poor eating habits. Fresh fruit, vegetables, beans, brown rice and whole grains are healthy and cost less than processed and convenience foods. Get plenty of exercise and rest, and do not use harmful substances.
Conserve energy.

Save money on utilities by turning down the heat, turning off lights if you make use of prepaid meters

Get a job.
No matter how small the take home is,some people might say they can't do a job of 40k and all that depending on people to survive,it's better you start from somewhere,remember never you despise your little beginning.
Get help if you're in financial trouble.
You can get help from small financial homes and start up something.God can elevate you from there.
Don't gamble.
You have a better chance of being struck by lightning than winning the lottery. Consistently playing of bet9a that you have never won may be disastrous, if you try an it's not working for you, don't continue trying because it may never work for you.;