1. Always have it at the back of your mind that rent is due every day. This gives you a sense of financial urgency.
2. Learn how to say NO and mean it. Disappoint as many people as you can, especially people who wouldn’t come through for you. They’ll be fine, with or without you, I promise.
3. Whenever money enters your hand, if you are on a budget, cook stew and soup. You’ll be able to rough it with those until your next credit alert.
4. Cultivate the habit of saving money, no matter how little. If you save ₦20k monthly, that’s ₦240k in a year. Use Renmoney or any reputable fintech platform. They offer 22% interest yearly. I know this because I use them.
5. Buy data in bulk. In fact, buy foodstuff and groceries in bulk. You are spending more to save even more during rainy days.
6. It is not just enough that you save; find a way to use your money to earn more passively. No matter how much you have, if you don’t make more money, you’ll go broke.
7. Deep down, you know you don’t NEED a new gadget. You only WANT a new one. Put that money to good use until you can comfortably afford your frivolities.
8. There’s no shame in saying you cannot afford something. No go use shame chest billing for where you suppose use scope disembark from the settings.
9. Leave Instagram vendors alone. Buy all your clothes from SHEIN and TEMU. You, in fact, get better quality for less. You’ll see quality wears between ₦7–20k there.
10. Don’t date. I won’t explain further.
11. They’ll whine you, but I promise you, cooking will always be cheaper than eating out. Always remember that there is rice at home.
12. Take number four seriously. You are not too broke to save.
13. You live in a poor country. If you already have a Spotify subscription, you don’t need Apple Music. If you have Prime Video, you don’t need Netflix. In fact, split subscriptions with your friends and share logins.
Dear @AirtelNigeria , if providing network has become too difficult, please just convert the company to a poultry farm.🙏
Because why am I standing at the extreme corner of my room, phone raised to heaven, mouth open like I’m receiving communion, waiting for one bar of network?
School dey come reopen like this a, you fit look at your parents then you wan cry. School fees, hostel fees, provisions and all the expenses. You see the frustration and worry they’re hiding because money no dey. But at the end, they’ll still find a way to provide. May God bless all parents for their sacrifices❤️
1. I didn’t japa while everyone was running out of the country.
2. I used my iPhone 11 for about four years while people were changing versions
3. When I finally changed my phone, I bought iPhone 14 Pro Max at the time we had iPhone 17
4. Most of my friends are married with kids while I am not.
5. Everyone went on vacation overseas, I did a road trip to Ghana.
When it comes to peer pressure, just completely count me out!
I believe so much in doing things when I am ready, or when I truly want it, no matter how much people around me do it.