The tiny things you do repeatedly become you. The waking up early yesterday today and tomorrow is just an example. The days when you used to eat only one breakfast meal and used the rest of the day to get ahead; that was you.
Each thing you do now is making you prosper or derailing you. If you want money then you have to be in the habit of doing things that bring money. A low paying job does not bring money; a high paying job brings money. A high debt gets money away while a low one still gets money away from your pocket.
Avoid the M-shuari, Tala, Timiza, Branch, Saida, and all the bank advances unless they are going to aid your cash flow and cause you to get more money, without paying too much for it.
Habits today and tomorrow; always remember they make you into what you are now, and what you shall be in future.