In this present time when inflation has impacted the cost of food and factually, everything in the country. It is very key for everyone to do an assessment of their daily life, especially in the area of finances.

The government who serves as a father to the nation and is meant to provide the basic needs if not all, is providing next to nothing. As a result of this, it is expedient that we all take our destinies into our hands and try to survive anyhow we can but preferably and advisably in the right way.

"All man for himself, God for us all"

We know you care about your financial future, and that's why we are excited to share with you a powerful financial strategy that could make a significant impact on your journey which are the 60-20-20 rules.

• 60% for Expenses: Begin by allocating 60% of your income to cover essential expenses. These encompasses your rent, utilities, groceries, transportation and other monthly bills.

• 20% for Savings: The next 20% is earmarked for savings, serving as your financial safety net. This portion helps you build an emergency fund, provides a cushion for unexpected expenses, and contributes to achieving your short-to-medium-term financial goals.

• 20% for investing: The remaining 20% is a golden opportunity for growth through strategic investing.

We strongly encourage saving and investing your money. Investing is the act of committing money or capital to an endeavor with the expectation of obtaining an additional income or profit. In another word, it simply means putting your money to work for you.

Savings on the other hand is good because the banks are well regulated by the government with good insurance cover to protect their customers against any loss but taking an in-depth look, any money keep in savings in the bank will be there without any tangible increment or interest. Unlike savings, investing your money can help you fight against inflation.

We understand that saving or investing may not be easy to be committed to due to the fact that money is not easy to come by and, even when you make it, the expense list is usually endless with some dependents on the waiting list but in order to build financial independence, it is important to adhere to these rules and secure our future in preparation for retirement and old age.