I could remember some years back whenever I see money I spend it lavishly without saving little out of it, so one day my Elder sister sat me down and told me that with the way am spending money lavishly and I don't have any savings and am in need of money to buy something can I be able to buy the thing, that it's better I should start saving for future purposes, since then whenever I see money I would make sure to save it in case am in need of money urgently. You know why do you think people who have money today doesn't have tomorrow, it's because they don't have financial literacy that's why, so to me we should be able to save in case of rainy days.