It is afact that most people work crappy jobs, were your take home is less than impressive but living life with out saving is like climbing a mountain with out a rope.  it is a statement of fact that  the hardest thing about saving money is just getting started but once you can start with a plan and follow through the sky is your stepping stone. These are  some money-saving habits can help you develop a realistic savings plan.

1)  Have a written out plan: they say if you fail to plan you plan to fail, so the main thing you need is a written out step by step plan you think  can  help you achieve a saving culture, like what percentage of your salary you are saving, what time of the month, are you opening a special account or starting a saving scheme with friends etc.

2) Take inventory of your expenditure: having a break down on how much you make daily, weekly, and  monthly  will help you know your scale of preference, and help you decide those extra important things like transport to work, food, data bill etc  using your bank statements would help you with this. If you bank online, you may be able to filter your statements to easily break down your spending.

3) Have a budget: the next step to actualize  you saving a bit of your income is by having a proper budget break down  therefore begin to organize your recorded expenses into a workable budget. Your budget should outline how your expenses measure up to your income—so you can plan your spending and limit overspending. In addition to your monthly expenses, please note that you must have the budget written out so you can follow through have a monthly, weekly and daily budget.

 4) Get a project : saving for a reason helps you accomplish your  goal  pick out things that are important to you and you need, eg rent money, a vacation,  a new tv, a phone make up brushes as much as possible  have the small and big goals so the saving culture continues.
5) miscellaneous; always leave out a little extra money incase an emergency occurs so you do not touch your savings for any reason.



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