Cancel your cable, Netflix or DSTV subscription. If you are not using your Internet data for business, reduce it to the barest minimum and use free mode for social media. When you are bored and want to be entertained, read a novel. If you want to be inspired, read Scripture, the Bible or al-Quran. Don't borrow, lend, or give out money. Put on the lights in only one room of your house. Sleep early so you consume less electricity on light bulbs. Do this 24/7. Then, invest the money you have saved on the Vanguard VOO S&P 500 mutual fund, which has no minimum investment. Or on reliable cryptos, like Aragon and BCH. If you are scared of crypto, buy into a Gold ETF, like the NewGold ETF by ABSA. Or go to the rural area and buy rice, beans, and livestock for sale in an urban area during this Yuletide and other festive periods. Do this for a year, and poverty will flee far from you faster than a slay queen running from the rain that can spoil her make-up and expose her real face!