1. Earn extra income from Airbnb even if you rent
2. Earn extra cash by using your social media for affiliate marketing
3. Earn pocket money by signing up for online survey sites
4. Protect your wealth from inflation by avoiding banks and investing in ETFs
5. Protect yourself from currency devaluation by investing in the VOO S&P 500 mutual fund
6. Protect yourself from recession by investing in a Gold ETF
7. Substitute Netflix, DSTV and Cable with reading
8. Substitute honey with sugar
9. Substitute beer, wine and champagne with water
10. Instead of calling, send an SMS
11. Instead of clubbing, join a gym
12. Instead of smoking, chew gum
13. Rather than buying on impulse, go out without your ATM card
14. Rather than eating out, learn to cook
15. Rather than physically visiting, video call
16. Reduce electricity bills by sleeping early, automatically lowering lightbulb usage
17. Reduce healthcare costs by washing hands as soon as you get home and after shaking hands
18. Reduce frivolous spending by avoiding parties where spraying and aso ebi are expected
19. Lower travel costs by carpooling to and from work
20. Lower food costs by shipping at street markets instead of fancy supermarkets
21. Lower billing and requests for loans by changing your WhatsApp status to 'I need money!'
22. Learn to cut your hair and save on barbing costs
23. Learn to wash your clothes and save on laundering
24. Learn to wash your car and cut out car washes

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