It's not how much money you make, but how much money you keep

Make the money you are saving difficult to access.

1. Learn what you are entitled to legally

When my children were younger, I moved to Kikuyu, next to Musa Gitau Primary school. This was because it is a well-performing government school. And I wouldn‘t need to pay high amounts that I would pay in academies.  Did you know that you can get free medical services, free maternity and free education? Utilising free government provisions saves you a lot of money.  For medical services, identify a good government hospital that has those provisions.  NHIF now covers a lot of expensive procedures like dialysis and overseas treatment. If you suddenly fall sick and you are not on NHIF scheme, you will spend a lot of your savings on things that the government has already catered for. Make sure you understands how the government operates.