- Borrow only when necessary – loans are not free money; they come back like unexpected relatives.
- Always compare interest rates – some lenders charge so much interest, you’ll feel like you’re working just for them.
- Pay on time – otherwise, penalties will pile up faster than your laundry!
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How to Save Money with Little Income
- Track your spending – if your money disappears faster than a plate of jollof rice, it’s time to check where it’s going.
- Cut unnecessary costs – do you really need another subscription, or can you live without that “exclusive VIP” ringtone?
- Set a small savings goal – even if it’s just the price of one soda a day, your future self will thank you.