Saving money should be an integral part of everyone. Saving helps alot and people needs discipline to be able to save money. No matter how small you make from business or job, you should be able to reserve a little. Many people find it difficult to save because they don't have saving patterns, you can decide to save with co-operative institutions, banks, social clubs or any financial institutions paying the agreed amount of ur savings either weekly, monthly or daily to be accumulated for a period of time, that way when it's time to take back your savings, you can use it to achieve something tangible.