Nneɛma ho dawurubɔ a wɔde puapua yɛn akyi no, sɛnea yɛte nka wɔ nneɛma ho, ne yɛn suban tumi ma yɛsɛe sika pii. Nyansahyɛ ahorow asia yi betumi aboa ma woagyae atotɔatotɔ.

1. Ntotɔ nneɛma kɛkɛ. So nea w’ani gye ho ne sɛ wobɛkɔ akɔto sɛ wɔatetew nneɛma so na woatɔ bi? Sɛ saa a, nneɛma atotɔatotɔ betumi ayɛ wo dɛ. Sɛ wopɛ sɛ wugyae saa su no a, gye bere susuw nsunsuanso a ebefi biribi a wopɛ sɛ wotɔ no mu aba, baabi a wode besi, ne sɛnea wobɛhwɛ so ma akyɛ no ho. Kae nneɛma bi a woansusuw ho na wotɔe na akyiri yi wunuu wo ho wɔ ho no. Gye bere “kakra” fa susuw nneɛma ho yiye ansa na woasi gyinae atɔ biribi.

2. Ntotɔ nneɛma mfa nkyekye wo werɛ. Nneɛma atotɔatotɔ betumi akyekye wo werɛ bere tiaa bi. Nanso sɛ wo werɛ san how a, ebia wobɛte nka paa sɛ ɛsɛ sɛ wosan kɔtotɔ nneɛma na ama wo ho atɔ wo. Sɛ́ anka wobɛtotɔ nneɛma de akyekye wo werɛ no, hwehwɛ nnamfo a wobetumi aboa wo, anaa tu mpase fa teɛteɛ w’apɔw mu.

3.   Ntotɔ nneɛma mfa nnyigye w’ani. Aguadidan akɛse ama nneɛma totɔ abɛdan biribi a wɔyɛ de gyigye wɔn ani. Ebia wobɛkɔ aguadidan mu akɔnantenantew hɔ anaa wobɛkɔ Intanɛt so akɔhwɛ nneɛma wɔ so kɛkɛ. Nanso wɔahyɛ da ayɛ nneɛma a wuhu wɔ hɔ no sɛnea ɛbɛyɛ a ɛbɛtwetwe wo ma woatɔ. Sɛ wonyɛɛ w’adwene sɛ wobɛtɔ biribi a, bɔ mmɔden hyɛ wo ho so.

4. Hwɛ nnamfo a wopaw yiye. Wo nnamfo nkɔmmɔbɔ ne sɛnea wɔyɛ wɔn ade betumi anya wo so nkɛntɛnso kɛse. Sɛ wosɛe sika pii na ama woatumi ne wo nnamfo abɔ a, ɛnde paw nnamfo a wɔmmfa wɔn adwene nsi sika ne honam fam nneɛma pii so.

5. Mfa credit card ntotɔ nneɛma basabasa. Sɛ wode credit card totɔ nneɛma a, ɛma wubu w’ani gu ɛka a wobɔ so. Bɔ mmɔden sɛ ɔsram biara, wubetua ɛka a woabɔ wɔ wo credit card so nyinaa. Hwɛ sika a wɔtetew wɔ credit card a wode totɔ nneɛma no so na fa toto credit card afoforo ho, na hwehwɛ nea ne bo ba fam. Yɛ ahwɛyiye wɔ credit card a wɔtetew sika akɛse wɔ so na wɔde nneɛma bi a enhia wo batabata ho no ho. Sɛ wopɛ sɛ wotɔ nneɛma pii a, boaboa sika ano fa kɔtɔ sen sɛ wubefiri.

6. Hu sɛnea wo sikasɛm te. Sɛ wunnim sika dodow a wowɔ a, ebetumi ama woadi aboro nea wowɔ so. Yɛ kyerɛwtohɔ pa, na hu sika a wowɔ bere biara. Hwɛ sika a ɔsram biara wunya, na gyina nea wudi ɔsram biara ne osuahu a woanya so yɛ wo sikasɛm ho nhyehyɛe. Bu sika a wudi no ho akontaa, na fa toto nhyehyɛe a woayɛ ho. Bisa w’adamfo a wugye no di ma ɔmmoa wo ma wonhu sikasɛm mu nneɛma a wonte ase yiye no mu.