Rainy days which does not literally mean rainy season are hard and difficult times which everyone great and small experiences one time or the other in his life.

For salary earners, retirement planning should be the major priority when they start their financial journey.

Excuses of not earning enough or even if saved, couldn't amount to much are what stops people from putting money into their retirement or saving purse.

But adopting these three habits can help in good use of your money ahead of unpredictable days.

1. Have an emergency fund

Because life doesn't always give us what we need, it is very important to have something to fall back to in case of emergency. You could lose your job, have an emergency medical issue, car breakdown or other unforeseen circumstances.

It is very advisable that you set aside about your three months earning into your emergency fund saving to carter for these.



2. Keep track of your expenses

It's very important to be mindful of what triggers unnecessary spendings. If you're the type that spends much on drinks, gambling, or other things that you can possibly avoid, take time to know why you're spending money on that. When it comes to saving, it could really be tempting but then achievable. Always keep good track of the little that goes out of your pocket.

3. Have a good budget

This is the most important, as it is a guiding map to where you're going. Creating simple spreadsheet for your income and expenditures is a step in the right direction, which could also include your assets and liabilities. Make lists of your monthly needs as this will help you have a clear idea of what is to spend money on and what is not.

Keep a wooden box (Safe, Koko or Kolo)..... The Easiest way to spend money is to keep loose change on you...and this is the best way to save it too...with change at hand, you'll want to keep.... Also.....

Buying basic and recurrent needs in bulk for discount. Example is food stuff printing paper, diesel or petrol for gen set, and general groceries.

Investing wisely in extra income business.