1. Put your kids in schools you can afford because expensive schools don't guarantee good education. Just ensure they attend a good, affordable school

2. Rent apartments you can pay for conveniently. Don’t live in a house you struggle to pay yearly. If your 1 or 2 month salary or business profit can't pay for your accommodation, then that accommodation is not for your level.

3. A man whose wife is pregnant has good 9 months to prepare, same as the pregnant woman in question. They should even plan for the worse and only seek help when they can’t meet up.

4. Some problems in our lives don’t just pop up; if we don't own a home, we should know we would pay rents...So it's not an emergency. Plan on the best way to save for the rent.

5. Let’s plan our lives and live within our means. Save more and spend less and Invest wisely. Never invest in something that will make you rich overnight. No seed grows to a tree overnight and provide fruits, not even tomatoes 🍅.

6. Some women buy food for their children every morning before going to school or even for the whole family. I wonder if we do not know that it’s cheaper to cook at home?

7. Some people don’t earn much, but have DSTV at home, go for GOTV and upgrade when your income upgrades. It’s still the same CNN anyway! Besides, most people pay for cable subscription they don't have light or time to watch.

8. Eat healthy meals and protect your family from mosquitoes to avoid going to the hospital always. Sleep under insecticide-treated mosquito nets; it saves you cost of frequent treatment for malaria.

9. Take advantage of food and fruits in season, it's much cheaper and you can be creative to create amazing meals. Every fruit in each season is meant to help your body fight sickness or health challenges in that season.

10.Don’t copy your neighbor’s lifestyle; she may be earning well and her husband might be a ‘bigman’*

11. Don’t follow trends, wear clean well-ironed clothes and keep your hair neat. You would still look good.

12. Keep your circle small; keep only friends that spur you to improve yourself!

13. Above all things, have empathy, integrity, diligence and don’t be lazy. Be smart 

14. Planning is the key, if you fail to plan, you plan to FAIL.

15. Don't do more than your budget,   there is no award given to best family that wore an expensive cloth for the year🤷🏻‍♂.

16.Don't be in competition with anyone...

 The purpose of shoes and clothes are to cover our nakedness, protect us physically, make us look good, smart, and presentable.

17. Don't make your marriage ceremony too expensive, there is life after marriage and your well wishers will only say goodbye and the reality of life will then done on you. Be wise!

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