Savings is the difference between income and expenses.

To save effectively, you need to have a goal. For example, open your own coffee shop for $8,000 in 4 years. So you need to save $5 a day, $150 a month to achieve it.

To start saving:

• Define a goal

• Determine the amount

• Start saving small amounts

• Don't spend everything

• Open a separate bank account for savings

Savings must be reasonable. For example, a gym membership for 8 visits costs $50 per month. A single visit is $10. It can be seen that it is better to buy a subscription, as you save $30 per month.

To instill yourself in savings, start small. Habit = Profit.