1. Put your kids in schools you can afford because expensive schools don't guarantee good results. Just ensure they attend a good affordable school 2. Rent apartments you can pay for conveniently. Don’t live in a house you struggle to pay yearly. If your 1 or 2 month salary or biz profit can't pay for your accommodation, that accommodation is not for your level. 3. A man whose wife is pregnant has good 9 months to prepare, same as the pregnant woman in question. They should even plan for the worse and only seek help when they can’t meet up. 4. Some problems in our lives don’t just pop up, if you don't own a home, we knew we would pay rents...So its not an emergency. 5. Let’s plan our lives and live within our means. Save more and spend less and Invest wisely. Never invest in something that will make you rich overnight. No seed grows to a tree overnight and provide fruits, not even tomatoes 🍅. 6. Some women buy food for their children every morning before going to school or even for the whole family, do you know it’s cheaper to cook at home? 7. Some people don’t earn much, but have DSTV at home, go for GOTV and upgrade when your income upgrades. It’s still the same CNN anyway! Besides, most people pay for cable subscription they don't have light or time to watch. 8. Eat healthy meals and protect your family from mosquitoes to avoid going to the hospital always. Sleep under mosquito treated net, saves you cost of treatment on malaria. 9. Take advantage of food and fruits in season, its cheaper and you can be creative to create amazing meals. Every fruit in each season