We all love to spend from time to time, but you also need to tread lightly. Your account balance suddenly reads like a digital watch, then you find yourself at the mercy of blood-hungry shylocks. It’s time to get off this YOLO train.

Felista Wangari a financial literacy champion and the founder of 52 Weeks Savings Challenge Kenya dishes some expert tips to stay within your financial means.

If there is more month at the end of the money, it means you are spending more than you are earning. The million-dollar question then becomes, where is the money? Tracking your expenditure is the only way to find out. For those that didn’t particularly enjoy math class in secondary school, the good news is that some local mobile money services like Safaricom have introduced a service where you can check exactly where you are spending your money. Knowing exactly how much you spend on makeup or drinks with the girls is also as easy as downloading an app on your phone. And there’s still the good old pen and paper. You have no excuse here.

Find out on how you can save more here.

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