1. School Fees: If you know you can't afford high paying private school; why not send your children to low paying private school or public school. It doesn't make sense to use most of your earnings on school fees/educational loan and later be begging people for money. In rating, public school are doing better than private school.

2. Accommodation: If you don't have the power to rent a flat, why not rent a room & parlour sefcon.
Pls Note: If two of your monthly salaries can't pay your annual house rent, you are not suppose to be leaving in that house.

3. Food Buying: Buying food for the children/couple in the morning will make you spend more than cooking at home. Cooking at home is safe and better.

4. If you can not easily buy and be subscribing for DSTV, why not buy GOTV or Anthena. Never compete because Competition will only make person broke.

5. Purchase of Phone: If you don't have the power to buy expensive phone, why not buy a small phone that have some of the features of the expensive phone.
Pls Note: If you can't replace the broken screen of your phone within 3 days, you are not suppose to be using that phone. Stay in your lane because that expensive phone will Depreciate in some months time.

6. Purchase of Clothes/Wig: If you know you can't buy a clothes or wig conveniently, never shy in speaking up. Don't say; because your friends are buying it, you too must buy it, by force by fire. If you do, you will soon broke it's just a matter of time.

7. Spending for Fun: If you know the money you are spending for fun (on drink, food, girls, men, gifts etc) if you can't recover the money back within 3 - 7days; you are not fit to be spending that kind of money.

8. That thing that is taking/ consuming money from your pocket every-time, why not sell it so that you can be balance. Forget about what people will say and move one.

You should be mindful of people/friends you are going out with. If you are being push to buy or spend on something you are not capable of; a time will come, you will be short of cash and that friend of yours, you are trying to please won't come to your aid because everybody have his/her problem.

Don't be shy and never copy what other people are doing; if you don't copy, you will surely see progress in your life and people will be asking you how you are doing it.

Finally, If you don't make money like them, never spend like them.

you make sense 💯%!