1.Set savings goals -lazima ujue mbona unasave na ni how much utasave...is it weekly, daily or monthly 2.Save first not last-ukiget doo kitu ya Kwanza ni you save.. the other expenses comes later.. ndio uavoid kusahau kusave ama ndio doo zisiishe kama hujasave 3.Cut your expenses -usibuy zile vitu hazina maana saana ...ama usibuy ile kitu huna haja nayo saana ..ama kitu ile si emergency 4.Be a smart shopper...avoid zile vitu expensive..like buy mtumba clothes..ama buy vitu na wholesale..like unga Lastly ndio uweze kuachieve savings goals zako lazima ..uwe mtu disciplined ...azin ikifika time ya kusave just save don't postpone...stick to the savings amount...ata usote aje usiguze savings..until you reach your savings goals.