W e all want to spoil our loved ones and buy gifts for Christmas, but our pockets sometimes wouldn’t allow this to happen. You have less than 150 days to save up. Sounds impossible? Not a chance! Here are some tips on how to save money:

  1. Record your expenses

Make a list of your monthly expenses.

Start with the fixed expenses like, utility bill; school fees; car payments; insurances etc. Dot down the flexible expenses such as food; clothing; entertainment etc. Your flexible expenses may vary from month to month so try and cut out a few things from that list if possible.

Most important, stay away from debt. This will become your biggest nightmare!

  1. Make a budget

By recording your monthly expenses, you are now able to decide on a monthly budget.

Limit yourself to an amount you can spend on anything that falls under your flexible expenses. If you planning on buying a pair of jeans and can only spend KSH 2000, do not purchase one that is KSH 3000.

  1. Set savings goals

Set an amount you would like to save every month.

It may vary month to month, the trick is to amend the amount every month even if it is by 800 KSH or more.

  1. Decide on your priorities

Separate the needs and wants.

Stick to the needs and ignore the wants. Remember your end goal…You want to save to buy gifts for your loved ones for Christmas or to treat yourself to a holiday getaway 😉

  1. Write a list before you go shopping – and stick to it.

We all know the items along the till can put pressure on you. The little voice in your head that says “This is nice, let me try this” is the voice you DO NOT want to listen to. Before you go shopping, write a list of the things you NEED to buy and stick to it. Simple. Better yet, take the exact amount of cash with you and spend only that. Leave the cards at home. This will prevent you from overspending.

  1. Drink more water.

What? Yes, you read right! Drinking water is a great health benefit, but also a financial benefit. Eliminate the soft drinks you purchase on a monthly basis. Drinking lots of water keeps you hydrated, keeps your tummy full for a longer and drinking water before and after you eat eliminates the nibbling cravings.


You can also use your creative side by reusing old boxes etc. to make a gift box. There are so many DYI ideas. You have less than 150 days to save up. Start now!

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