“Do not save what is left after spending. Spend what is left after saving.”

Adelaide Matare

This timeless piece of financial wisdom remains just as relevant today as it was decades ago. Yet for many Namibians, saving has become increasingly difficult.

Rising living costs, school fees, transport expenses, supporting family members and unexpected emergencies often consume most of a household’s income before the month is over.

As a result, saving is frequently treated as something we will start doing when circumstances improve. The challenge is that financial emergencies rarely wait for the perfect moment.