3. Respect money but don't fear it:

As a young person, you should respect the difficulty of getting money. And even more difficulty in maintaining it. This perspective should aid you in making wise money decisions. However, you need not fear it. That will only make you worship it. And as you already know, worship of money comes with mindsets which are dangerous for society and the individual. So, don’t be afraid to lose money, you simply have to know how to gain it back.

4. Create a spending plan:

A spending plan or budget will help you to track your income and expenses easily. You get to know how much you are earning and how much you are spending on that shoe or aseobi. That is important to prevent you from working hard and still not being self-sufficient luckily, there are current apps like money plus that can assist you to manage your expenditure. Make use of these technologies. A budget disciplines your spending to make profits.

5. Pay bills on time:

One Ghana cedi today is not the same as one cedi tomorrow. Don't allow your bills or debts to stay for too long. You spend more in paying later than in paying now. So take note. You can create payment calendars to keep you on track. That can be a helpful plan to track all your debts and make plans on how and when to pay.

To be continued…