We accumulate savings in to an investment. Be mindful that the very money you earn today is the seed for tomorrow's harvest. Try and put something aside which will later turns into an investment. Allow you interest to make interest and over time your money grows gradually. Try to live within you means and commit money's you never expected into investment. No mater the level of your salary increment the money will still not be enough . Because when salary increases you also adjust your spending in line with the increment. Do this : "try and divide the very first salary you earned as a worker with your current salary " the figure you get is the number of times your salary have increased. If you are getting 100 for instance, it simply tells you that your salary have increased 100 times. In simple terms ; no matter the level of salary increment the money will still not be enough. In that same money you earned there is a seed in it , hence do not eat your fruit together with the seed . sow your seed to get more fruit in the future. It takes time to grow , just like the cocoa farmer, who plant the cocoa seedlings. It takes time to water, weed ,nurture until it is fully developed. That money you earn to today is the seed for tomorrow's harvest, hence do not eat your seed.

Take what you need and live by it

Nothing is wasteful

Serious, this is statics,used plastic bottle for building a masonry wall.