How I'm Learning to Build Financial Discipline as a Beginner
Hello LeoFinance community
As someone still finding her feet in the world of money and finance, writing this post feels both exciting and humbling. I’m not a financial guru, and I didn’t grow up talking about investments or budgets but one thing is clear: if I don’t take control of my money, my money will definitely control me.
So, I’ve decided to be more intentional. This is my beginner journey into financial discipline, and I hope sharing my little steps can encourage someone else who’s just starting out too.
My Financial Struggles: The Honest Truth
I used to think discipline with money was only for people who earned big salaries or ran businesses. I was the type who would buy snacks with my last ₦500 and still say, “God will provide.”
But after facing some tough months where I had no savings and too many needs, I realized something had to change. I was tired of being “broke and surprised” every month.
What I’m Doing Differently Now
I didn’t wait to get rich before learning how to manage money. Here are some steps I’ve started taking:
Tracking my spending: I now write down every expense. It helps me realize how much I waste on small things.
Budgeting weekly, not just monthly: Smaller goals are easier to manage. I plan for transport, food, and data the essentials first.
Separating needs from wants: This one is hard. That cute bag? It can wait. That sudden shawarma craving? Maybe next week.
Saving no matter how small: Even if it’s ₦500, I drop it in a savings envelope. It adds up.
How LeoFinance Is Helping Me
Joining Hive and discovering LeoFinance opened my eyes to the importance of financial literacy. Reading posts from people investing, saving, and growing financially has pushed me to take this journey seriously. I’ve learned that discipline isn’t about how much you earn, it’s about what you do with what you have.
I still make mistakes. I still get tempted. But now, I think twice before spending. And every time I choose saving over splurging, I feel proud.
To anyone reading this: start where you are. Don’t wait to be perfect. And if you have tips for a beginner like me, I’m listening
Thank you LeoFinance for creating a space where financial growth is for everyone even beginners like me.
With hope and hustle
