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How to Save Money Even When You Earn Small in Ghana
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Mischief
Maya Brooks
How to Save Money Even When You Earn Small in Ghana
“My money is not enough to save” — we’ve all said it. But it’s time to change that thinking.
In Ghana today, many people earn less than they need. Whether it’s GHS 300, GHS 800, or even GHS 1,200 per month, it feels like the money finishes before the month ends.
So the big question is: How do you save when your income is small?
The truth is, you can save — if you’re intentional. Let’s show you how.
---
💡 1. Change Your Mindset First
Before saving starts in your wallet, it must start in your mind.
Stop saying:
> “I will save when I earn more.”
Start saying:
> “I will save from what I have now, no matter how small.”
Rich people save before they become rich — not after.
---
💡 2. Save First, Spend What’s Left
Most people spend everything, then try to save the leftovers.
But there are never leftovers.
✅ Do this instead:
The moment you receive your money (salary, MoMo, profit), remove your savings first.
Even GHS 5 a day = GHS 150 a month.
Use:
MTN Y’ello Save
AirtelTigo Money lock
Piggyvest app
Susu box
---
💡 3. Cut Out Unnecessary Spending
You say you can’t save, but…
You spend GHS 10 daily on airtime
Buy takeaway 3 times a week
Subscribe to expensive data packages
Buy clothes monthly
📌 Track your spending for one week. You’ll be shocked where your money goes.
Cut at least 2 things and redirect that money to savings.
---
💡 4. Use the 70–20–10 Rule
A simple budgeting trick for small earners.
Break your income into:
70% for needs (food, transport, rent)
20% for savings and investment
10% for wants (entertainment, clothes)
If you earn GHS 600:
GHS 420 for needs
GHS 120 for saving
GHS 60 for fun
Discipline is key.
---
💡 5. Start a Saving Challenge
Gamify your savings. Make it fun.
Try:
Save GHS 2 every day
52-week challenge: Start with GHS 1 in Week 1, then add 1 cedi every week
No-spend weekends: Don’t buy anything for two days and save that money
Small efforts = Big results over time.
---
💡 6. Find Cheaper Alternatives
You don’t always need to cut something out — just find a cheaper way to do it.
Examples:
Cook instead of buying food
Use Wi-Fi instead of expensive data
Buy in bulk (rice, oil, soap)
Share transport or walk short distances
📌 Every saved cedi matters.
---
💡 7. Create a Specific Goal
Saving without a goal feels like punishment. But when you have a purpose, it becomes a mission.
Examples:
Save GHS 500 for rent
GHS 300 for business
GHS 150 for emergency fund
GHS 100 to buy a better phone
Write it down. Seeing the goal helps you stay motivated.
---
💡 8. Automate Your Savings
If you lack discipline, use tech to help you.
Apps and services like:
Piggyvest
MTN Mobile Money AutoSave
Bank standing orders
These can deduct money automatically before you’re tempted to spend it.
---
💡 9. Join a Savings Group or Accountability Partner
Don’t go alone.
Start a WhatsApp group or join a trusted savings group (like susu or a rotating savings club).
Benefits:
Peer pressure helps you stay disciplined
It becomes a habit faster
You can save towards group goals
But be careful: only join trusted circles.
---
💡 10. Stop Comparing Yourself to Others
That friend with the new iPhone or flashy clothes? They might be deep in debt.
You don’t know their story.
Stay in your lane. Focus on your journey. Your time will come.
📌 Saving is a seed — the harvest will show up later.
---
🧠 Final Truth: It’s Not About How Much You Earn — It’s About What You Do With It
Even if you earn little, you can save something. And saving something consistently is better than saving nothing.
💬 “Don’t wait for more. Master what you have now.”
Start today.
Even if it’s just GHS 1.
That’s the beginning of your financial freedom.
---
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---
🏷️ Suggested Blogger Tags:
how to save money in Ghana, budgeting tips Ghana, small income savings, money habits, financial literacy
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