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HOW TO MANAGE YOUR MONEY WISELY EVEN WHEN YOUR INCOME IS SMALL. MY GREAT AUDIENCE YOU DO NOT NEED A BIG INCOME. TO MANAGE MONEY WISELY, YOU NEED WISDOM BEFORE WEALTH. TO MANAGE MONEY WISELY, YOU NEED WISDOM BEFORE WEALTH. A SMALL STREAM CAN STILL FILL A POT WHEN IT FLOWS CONSISTENTLY. WHEN YOUR INCOME IS SMALL, LEARN TO SEPARATE YOUR NEEDS FROM YOUR WANTS. CREATE A SIMPLE BUDGET. GIVE EVERY MONEY A PURPOSE. SAVE SOMETHING NO MATTER HOW LITTLE. WRITE DOWN YOUR EXPENSES. PAY FOR NECESSITIES FIRST FOOD, SHELTER, TRANSPORTATION, EDUCATION, AND OTHER IMPORTANT RESPONSIBILITIES. THEN SAVE A SMALL PORTION BEFORE SPENDING ON PLEASURE. REMEMBER, LITTLE DROPS OF WATER MAKE THE MIGHTY OCEAN. AVOID SPENDING MONEY TO IMPRESS PEOPLE WHO WILL NOT HELP YOU WHEN TROUBLE COMES. AS OUR AFRICAN ELDERS SAY, HE WHO BUYS WHAT HE DOES NOT NEED WILL SOON SELL WHAT HE NEEDS. MY AUDIENCE ALSO AVOID UNNECESSARY DEBT. BORROWING FOR SURVIVAL MAY SOMETIMES BE NECESSARY, BUT BORROWING TO MAINTAIN APPEARANCES CAN BECOME A HEAVY CHAIN. DON'T FORGET TO AVOID PEER PRESSURE INFLUENCES. YOUR FRIEND WHO'S INTO BUSINESS MIGHT BE SPENDING FROM HIS PROFITS WHILE YOU ARE SPENDING THE WHOLE OF YOUR SALARY BECAUSE YOU'RE COMPETING OR YOU'RE TRYING TO FEEL AMONG. FURTHERMORE, LEARN HOW TO SAY, I CANNOT AFFORD THIS RIGHT NOW. THAT SENTENCE MAY PROTECT YOUR FUTURE. MOREOVER, INVEST IN KNOWLEDGE AND SKILLS THAT CAN INCREASE YOUR EARNING ABILITY. A SMALL INCOME TODAY DOES NOT MEAN A SMALL INCOME FOREVER. REMEMBER THAT WEALTH IS NOT ONLY ABOUT HOW MUCH YOU EARN, IT IS ALSO ABOUT HOW WISELY YOU MANAGE WHAT YOU HAVE. SAVE LITTLE, SPEND WISELY, AVOID WASTE, AND KEEP IMPROVING YOURSELF. PLEASE DO NOT DESPISE SMALL BEGINNINGS. WISDOM CAN TURN LITTLE INTO ENOUGH, MORE THAN YOU EXPECTED.