🏆Pocket Money Wisdom: A Beginner’s Guide to Financial Freedom – Part 3

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 Pocket Money Habits: How the Small Things Add Up


When most people think about wealth, they imagine big salaries, owning companies, or winning the lottery. But here’s the secret: wealth doesn’t start big — it starts small.

It’s the daily habits, the little amounts, and the consistent choices that separate those who stay broke from those who grow their money.


The Power of Small Habits

Let’s say you spend GHS 10 every morning on meat pie and a drink. That’s GHS 300 a month. Over a year, it’s GHS 3,600. Imagine saving or investing that amount instead.

This doesn’t mean you should never treat yourself — it simply means your small decisions matter more than you think.


Real-Life Ghana Examples

  • The market woman who sets aside coins in her susu box daily.

  • The trotro mate who sends a few cedis to his momo savings wallet after work.

  • The student who avoids impulse buying airtime every day and saves instead.

  • These people may not look rich now, but their discipline is planting seeds for future wealth.


Good Habits That Build Wealth

1. Save before you spend – Even if it’s just GHS 2.



2. Track your small expenses – They add up faster than you think.


3. Avoid money leaks – Like buying data bundles you don’t fully use.

4. Practice consistency – Small savings daily beat large, occasional deposits.



Your Action Step: Money Leak Tracker

For the next 7 days, track every small expense you make. Snacks, momo charges, airtime, impulse buys — write them all down.

At the end of the week, calculate how much “leaked” away. Then ask yourself: Could I redirect part of this into savings or investment?


Final Thought


Wealth doesn’t come by chance — it’s built by habit. And the good news? You can start today, right where you are, with what you have.

Remember: Your pocket money today can become your freedom money tomorrow.

Add comments: "what did school taught you about money 💰"


Coach Georgiho De Don 

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