1. The time I decided to crosscheck my expenditures on phone bills especially the data bills. I came to realize the amount of money I used on phone bills per week is over 20 percent of my income which wasn't good. Then I started writing down every single time I paid the phone bills on what I paid it for and why.
Slowly but surely I reduced my expenditure and currently per month I used approximately 8 percent of my income on phone bills which I do plan on decreasing as time goes.
2. Investment on Bitcoin and one lost over $90, 000. The bad thing about cryptocurrency is its fluctuation and vulnerability to the financial world it's not stable thus it's supposed to take a expert to work on the when, where and how to invest. The person lost over 200% of his initial investment and that amount of money could have been used for gain elsewhere.
3. Is to have a lucrative passive income that is continuous and adjacent to my main income that is why it's important to make financial decisions early on to ensure a stable future upto old age.
