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Every penny adds up

Dear sir
Every day when I wake up I think about my finances. It is mostly the second or third thing on my mind every morning, if not the first. I mean who doesn’t do that. In this world of inflation. There is no doubt that the cost of living is high, and for a typical college student like me, you just have to hang in there.
Gone are the days when I used to throw away 5 cent coins or simply ignore them at the till. On so called good days like the 31st, I even used to ignore the 2 dollars from my then 8 dollars taxi fare, before I found the beauty in saving.
One day I came across this inspirational book about the goodness of savings. I remember when I was about 11 years old, my dad told me that even a 50 cents saved a month is better than nothing saved at all. This sounded ridiculous and I didn’t even take it serious. Until I came across this book on savings then everything my dad taught me about saving started making sense. To me, an Economics student, saving was just part of the income-expenditure equation, nothing more, nothing less. I applied what I read from that book and believe me, I am enjoying every moment of doing it(saving).
Saving doesn’t cost any physical energy. It is as simple as 1,2,3. Imagine putting all your usually dumped silver coins together in a coin box. It might sound like a waste of time but it will bring a smile on your face some 6 to 18 months or so, if you save without stopping. Many people especially students and young graduates have some anti saving habits like buying things beyond their budgets. So I advise that before you do any shopping, take a pen and paper and write down all your basic needs, then add some small wants and not vice versa.
Ndamangululza
UNAM

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