3-Lack of saving culture
Let me begin by acknowledging that saving money is not always as easy as being portrayed by some people especially when you have a lot of mouths to feed or great responsibilities to meet.
But in as much as it is difficult to save money, it is also very possible to achieve if you work towards it.
Form a habit of saving a reasonable percentage of your income or monthly salary but make sure that your saving is logical enough for you to be able to survive till the next payday.
You can join any of the trusted cooperatives or have a bank account that you will dedicate for your monthly savings.
Discipline yourself from making withdrawals from such account by not applying for ATM cards, online and mobile banking on such account. Such monies should be your last resort only in the case of desperate situations.
4-Bad planning and time management
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