6.  Set financial goals: Decide what you are saving for, the timeline involved and how to spread the cost. For example, if you want to have ghc2000 by the end of the year for Christmas celebrations. We have three more months to go. So, that's 2000/3. That will give you 670 cedis a month. So, you have to save from now till Dec, ghc670. 

Use this method to plan for the future.

7.  Try the 70:20:10 principle: Some financial advisors advise using 70% of your savings to cover your expenses, while you Save 20% and use the 10% as tithe (if you believe in it) or investments (if you prefer this option).

That is a simple way of proportioning your money. But will require financial discipline to contain your expenses.

8.  Try Investments: While we can work now and earn money, what about the future? We need to plan for the future. One way to do that is to invest wisely. Take time to research the different investment offers on the market, and choose one that best fits you and is safe. 

9.  Pay yourself: Yes, pay yourself. That is most useful for those running businesses. Learn how to pay yourself every month. That helps you separate business funds from personal funds. Also, to take good care of yourself.

10.  Subscribe to an Insurance package: This is very beneficial during disasters, health failures, deaths or accidents. You can use the money you will receive from the claims to satisfy a lot of the expenses. And this will go a long to relieve your savings.