Trying to save money can feel like a prison sentence. You’ve probably been there: watching your friends head out for happy hour while you pack up to go home to a bowl of discounted noodles and non-premium TV channels. It doesn’t have to be that way. You can achieve a balance between financial discipline and luxury without necessary going through suffering Olympics and here is how;

Set money objectives. “Tuli mu struggle” should not be an excuse for you to Mize money on your yourself or recklessly spend it. Split your money into savings, disposable income and miscellaneous. Impulse buying isn’t good for a person that’s looking at striking this balance. Don’t hoard or online shop as entertainment. The things you buy won’t feel a thing when you miserably look at your account balance after. You can have fun shopping without being frugal; simply separate what you need from what you want and this will help you know what to prioritize.

We know; YOLO! but you need to diversify your description of fun. You honestly do not need to attend all those high end parties when down here is where the real party is at. I didn’t say financial discipline is fun so you need to sit back and think through all those parties you plan to attend. Are they all worth it? Will you die if you do not attend some of them? If the answer is no then you are on the right path to financial discipline. You know that common saying “As soon as you step out of your house you breathe out 100k” yeah you wouldn’t want that to be you.

All your friends are ballers? Fine! But ball within your limits. Why would you blow through your paycheck when the people you are blasting the night with are only using a portion of their money. They probably understood the concept of budgeting and you are suffering over there. Many people get uncomfortable when it comes to budgeting but you can have fun within a specified limit and trust me it is so satisfying.

Goes without saying, manage debt responsibly. Do not get a loan of whatever amount just to go spend it in a bar, that’s not wise pulser! The fun you will have in that one night is just, but for a moment. It is not worth all the stress you will have trying to pay back what didn’t yield. If you are the kind that finds it hard to save money, you can use MTN Mokash to save while earning an interest as well as take out short term loans at a reasonable fee. To activate this, simply dial *165*5#.

Having financial discipline is so liberating. Try these and you will not regret.