It’s difficult to save anything — not to talk of the desired 10% — these days with a shrunken income and increased expenses. I want to save money because I know it is important to have something left over for the rainy day; or so that I have ready cash to invest when opportunity shows up; or to be able to take care of a major expense like further education or buying land or building a house.
Pride says I should wait until I can save respectable amounts. Sense says I should save whatever I can from every income even if the amount is 0.0001% of the whole thing. It will add up and become enough to meet a need sometime soon. One 50-naira note saved every week is 200 naira per month, and it will be 1,200 in six months, enough to take care of mobile data in December.