PERSONAL FINANCE: Live smart, save big!

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BY WACEKE NDUATI OMANGA
Do you live smart? Think about the way you spend your money, and consider this: Many of our financial issues arise because of our lifestyles. We live, eat and exist a certain way, and therefore spend a certain way. When we are not intentional about spending, it can get out of control.
We do not like addressing our spending because we assume it will mean sacrifice and restriction. However, to achieve your goals, you will need to make some sacrifices. To do this, you will need to live smart every day.
So how can you live smarter? The first thing you need to do is live below your means. If you can afford to live on Sh100, 000, live on Sh70, 000. All your expenses must always be lower than your income.
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