How to Start Saving Money Without Stress

Published October 3, 2025 · Updated October 3, 2025

Let’s be honest, saving money isn’t easy, especially when there’s always something that needs your kwacha. But here’s the truth: the best way to save money is to have a plan. Once you have a plan, everything else starts to make sense.

So, how do you get started? Let’s break it down, Zed-style.

Step 1: Track Every Kwacha

Before you can save, you need to know where your money is going. Track your expenses, yes, every expense. That includes your morning tutemba coffee, airtime, groceries, bus fare, and even that 30 kwacha you slipped to your cousin for “just a drink.”

You don’t need fancy apps (unless you like them). A simple notebook, Excel sheet, or even your phone notes can do the job. At the end of the month, group your expenses into categories like food, transport, rent, utilities, and entertainment. This gives you a clear picture of your spending habits.

Step 2: Create a Budget That Works for You

Now that you know your spending patterns, it’s time to make a budget. Think of it as your money map. Write down your income, subtract your fixed expenses (like rent and Zesco), and see what’s left for variable expenses (like groceries, transport, and fun stuff).

The trick here is discipline, don’t let “wants” eat up your “needs.” And don’t forget those irregular costs that always sneak up, like car servicing, school fees, or Christmas shopping.

Step 3: Make Saving Non-Negotiable

Here’s the game-changer: treat savings like a bill. Instead of saving what’s left after spending (which is usually nothing), put your savings aside first. Even if it’s just K100 a month, it counts.

Over time, aim to save up to 20% of your income. If that feels like too much right now, start small and increase as you go.

Final Word

Saving isn’t about depriving yourself, it’s about securing your future. Whether you’re saving for rainy days, school fees, or your dream house in Ibex, having a plan will keep you on track.

Remember: consistency beats perfection. Just start, and you’ll thank yourself later.

💡 Pro Tip: Challenge yourself to save every time you get an unexpected kwacha, bonus at work, refund, or even nkongole money someone finally paid back. Put it straight into your savings instead of spending it.

Your future self will be smiling.