One of the greatest challenges of a worker or a small business owner is the ability to save money. The type of savings I am talking about is not a case of putting your whole salary or income in your checking account at the end of each month, only to withdraw every penny you have saved before the month runs out No! The kind of savings I am talking about is setting aside a portion of your salary or income where you will not have access to it for a period of time or until the time of its purpose.
The inability to save is the reason why small income earners find it very difficult to meet up their expenses. Every little problem encountered amounts to running from pillar to post looking for help. When this happens, it is always blamed on poor income. Even so, a worker or small business owner should be able to pay his bills and solve his little problems without begging.