Got it — here’s a 150-word article for *Finance and Business* you can copy and paste: *Category3 Small Money Habits That Changed My Finances

I used to spend my salary in 10 days and wonder where it went. Changing 3 small habits fixed that.

First, I started tracking every expense. I wrote down everything I spent for 30 days in my notes app. It was embarrassing to see how much went to snacks and data. Once you see it, you stop doing it.

Second, I paid myself first. On payday, I move 10% to a savings app before I touch anything else. Even ₦500 matters if you do it every month.

Third, I stopped buying on impulse. If I see something I want, I wait 48 hours. 80% of the time I forget about it. That alone saved me a lot.

None of this is complicated. But doing it every week made me go from broke to having small savings in 3 months. Start small and stay consistent.