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Chapter 3 - Chapter 3 – Smart Saving

By the end of the week, Tomi had ₦2,000 saved. Ada reminded her: "Saving is useless if it just sits there. Make it work."

Tomi divided her money into three jars:

Emergency funds Investing Spending wisely

She avoided buying a trendy notebook she didn't need. Her little savings grew — proof that delayed gratification works.

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