The level of education does indeed affect the saving habits in Nigeria. Those with higher levels of education tend to be better at saving compared to those with lower levels of education.
Living within your means and being satisfied with what you have rather than constantly seeking more. It involves setting aside a portion of your income for the future and being mindful of your spending habits.
Saving
All study habits affect performance! Here's a good link.
Saving
This depends on what you inherited: if you inherited property and your benefits can be affected; if you inherited money and are saving it, 2% of that money is counted as income.
the level of income
Work habits affect success in cooking because cooking is a disciplinary art. Habits will help cooking if they involve good speed, consistency, and cleanliness.
the proportion of disposable income that is saved
saving
saving less and spending more of one's disposable income
level of saving