Small chops: Those domino's pizza, ice cream from cold stone, bottles of water on traffic, soft drinks or fruit drinks, sausage roll (gala), pure bliss biscuit and others are also part of the leakages you have neglected. Be sure to include them in your budget too.



Call card/ credit: you would totally agree with me that this is one of the factors or medium through which money leaves your hand – unaccounted for! I must warn you never to be tempted to keep withdrawing credit from your account; it is the best way to go broke. I’ll advice you to open a savings account specially for credit card withdrawal, there are banks that allow you to open an account where you can withdraw all your money without closing the account.

Open a credit withdrawal account and put a specific amount of money in it monthly, the amount you resolve to spend on calls monthly. With this, you would be able to track how much you spend on calls monthly. If the money finishes before the end of the month, you now know what is running you dry.

Send text messages when possible and resort to social media platforms, make good use of these platforms and only make calls when necessary. This might mean ‘well, i just called too hear your voice’ has to end, till you are rich enough to afford it.

 Money for subscription: I read this post on social media recently: ‘you complain you don’t have money, but when data finish – You subscribe’. How true, subscribing is not a bad thing, especially in a digitalized world. But subscribing without a budget in place can run your pockets dry, faster than any other thing. Most people love to be online at all times, and many people even have online businesses, therefore subscribing weekly, if not monthly is inevitable.

One of the ways to save money and budget for your subscription is to look for the cheapest, most affordable data plan and go for it, if you know any, you can do well to leave it in the comments below, (If you don’t know any, you can visit www.hillaconnect.com where you can get 1GB for as low as N570). Another way is to curtail your data usage. If you can monitor how long you spend on applications like Instagram, twitter and YouTube, instead of just scrolling aimlessly, think of what you want to post or check out before hand.
You can also take advantage of data saving plans on your phones. There are phones that allow you to lock some applications that you are not using at the moment to prevent data from being used in the background.

You can equally use your credit card account to budget your subscription expenditures. When you have exhausted your monthly budget, you can take advantage of ‘social plan’ that allows you to access only your Whatsapp, and browse in some cases.
Online business owners can make use of mobile Wi-Fi networks.



Unseen contegencies: In as much as you save for executing a particular project, also save a little percentage for emergencies to avoid deeping your hands into your savings.



Thanks for reading and how did you find this post? Will love to get feedbacks. Thanks



Written by: Dilliane
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