In the last couple of years, I've learnt a lot about life and its intricacies.

But of all the things I've learnt, financial discipline occupies a dominant position on the list.

Following a 12-month internship at the Lagos State University Teaching Hospital, I saved less than 200,000 naira from a 118,000 monthly take-home salary.

Of all my colleagues, my savings culture hadn't been the worst, considering how someone only managed to save 40,000 naira.

However, mine was far from the best either, especially when I remember how someone had saved upwards of 700,000 naira in 12 months.

Truth be told, I'd splurged on a handful of items and trips but oddly, I spent more on "important" things like "charity", gifts and loans, most of which I never got back.

Then came NYSC where I earned 19,800 from the FG and 27,000 from my PPA, Abubakar Tafawa Balewa University Teaching Hospital, Bauchi. And at the end of it all, I had saved less than 50,000 naira.

A month after NYSC had ended, I took up a job which paid me 50,000 naira for the first two months and 75,000 for the following six months. Guess how much I had saved after eight months? Less than 50,000!

I don't intend to go into the details of the basic things I spent the money on, like upkeep, feeding and "miscellaneous", but can confidently tell you that I'd have saved a whole lot more if I'd been more financially disciplined.

At different points, I considered fixing my savings, trashing my ATM cards or even depositing my savings into someone else's account, one who was never to oblige me if I ever asked to be allowed any withdrawals before their due date. But then, you can't trust people, can you? One small fight and they're already threatening to confiscate your money.

Heck, I even considered digging a hole or getting a wooden saving box (kolo).

But fast forward to today, I have myself to thank for applying caution to my financial dispositions.

Believe me, I'm not where I need to be but I'm a whole lot better than I used to be.

Things are looking good from this side.

Thanks in part to the PiggyBank platform and a personal sense of financial responsibility.

So, if you're currently struggling for financial balance, I'll humbly advise you to apply caution and find what method works best for you.

If you've got advice on how best to save money, kindly recommend a few.

Truly, no one knows tomorrow, hence the need to enjoy life to the fullest.

But life will be more enjoyable if you have enough money to spend on a tomorrow on whose death list your name doesn't appear.