It’s salary day!

There is this theory that your salary should keep you going for a month. However, reality sets in and inexplicable emergencies set in our income finish even before the end of the month. Creating a budget as an adult can be overwhelming. There are so many expenses that are required of you to fulfill. From buying different outfits ranging from work clothes to casual clothing, getting toiletries and cosmetics and giving money out to your younger ones in school, then your salary is not enough!

Creating a budget is an extremely important step towards saving your income and it helps you separate your expenses from the actual amount you want to save.  If your expenses are more than your income, then you need to follow these strategies.


This should be the first procedure for maximizing your income. The first step to taking control of your finances is creating a budget. Setting up one means you are less likely to end up in debt, get caught out by unexpected costs more Having an effective budget makes you have a concise plan for your expenses. Write out your expenses for the month and put a rough estimate of how much you want to spend. You will be shocked by how most of your expenses are.


By cutting out all unnecessary expenses, savings will be the next step to inculcate. Do you have a friend, colleague or partner that saves financially? Then why not take out time to know the pros and cons of saving and how it can help with your income.


I know you want to get that dress or pay for Netflix subscription and lots more. Why not look for other alternatives. Instead of paying for that expensive gym session, you can actually download work out routine from YouTube easily. Also, you can watch free movies online on specific websites. Cutting out unnecessary bills would help you save more.

Also, for these secrets to work out, you must make a checklist and stick to it.

Which of these have you tried? Do you have more tips? Feel free to share.