(PART 1) ALWAYS HAVE A FINANCIAL BUDGET AND DIARY

Personally i keep a financial diary and also make a budget
at the begening of every month and at any time i have some
pressing needs.The reason for this is not to box you, its just
going to to channel your spending towards the right direction,
it also gives you a feeling of control;CONTROL OVER YOUR FINANCIAL LIFE
With a BUDGET;its just wriytting down your needs and allocating the value
of the need, this helps you to know the exact amount overall you'll
be spending on such needs.
A DIARY helps you to document your daily spendings and which
helps you to know the actual amount that comes into your
account and the amount spent for the month and thus for the year.