Nice one 👍
It is always good to set some amount of money for the future, eating all the earning leads to poverty in future.

Human wants cannot be satisfied even if you have all the money in the world it cannot be enough except you apply financial discipline.

All the plan you made this year is good however I cannot save my money with akawo people as you called them because it is very risky. I can save in my Owealth wallet and other saving apps.