I changed my approach by planning where every naira would go before payday. I listed rent, food, transport, savings, investments, and personal spending in advance.

Once my salary arrived, I already knew what each amount was for, and I became less likely to make impulse purchases.

The habit didn't increase my income, but it helped me make better use of what I already earned.

Lesson: A budget works best when you prepare it before your salary arrives.

Question: What's one budgeting habit that has helped you save more?