If I'm not mistaken I started saving when I was in primary school. In those days; my parent usually give each of us pocket money in addition to food and water. This were the usual habit of parents in those days irder for children not to cultivate the habit of begging from ccolleagues in schools. Do my dad use to give me #3 while mom oftenly add #2 to sum it all to #5 daily in exception of Saturdays and Sunday. At first, we started doing daily contributions of #2 in each school day and give it to one member at the end of the week. It all continued until when one of the member ate the whole money in primary 3 and changed school. Then, I developed another means to save my money, I went to the market and got my self local bank at the rate if #50. When I got home, I hide it inside my cloth box and started making my contributions iinside it every time money enters into my hand. This process was what I continued with till I got out of college when I had to open my first bank account ever.