Create a budget One smart way to manage your money and hopefully hold on to more of it is to follow a budget, which means comparing your income to your expenses and setting priorities for your spending. Set savings goals Set a specific but realistic goal. It may be “save at least kes 12,000 in your Sacco savings this year.” Track spending Keep track of your monthly cash flow — your income minus your expenditures. This step will also make it easier to mark progress toward your savings goal. Create a budget One smart way to manage your money and hopefully hold on to more of it is to follow a budget, which means comparing your income to your expenses and setting priorities for your spending. Set savings goals Set a specific but realistic goal. It may be “save at least kes 12,000 in your Sacco savings this year.” Track [...]