Omo! That moment when you scroll through your account balance, only to find yourself staring at red—wahala! Going bankrupt before payday is a very real struggle, whether you’re a student managing that meager allowance, an intern making barely enough for “garri,” or a salary earner waiting for month-end like it’s Christmas Day. But thou shall not fear—I dey your back! Let’s go through these simple steps to get your pocket smiling.
1. Avoid Being a Weekend Shopper
You know the feeling you get when you decide to “enjoy” yourself over the weekend after getting paid or receiving your allowance? Your money has been spent on drinks, shawarma, and flexing before you even realize it. Baba, calm down oo! Plan your weekend like someone who knows that Monday is coming, and life won’t stop asking for money. You don’t have to be indoors all the time o, but balance the soft life with the smart life!
2. Set small goals, Not big vibes.
Omo, this one is important! We understand—there is always something tempting to buy, like designer shirts or a new phone. But hey, think small! Before you spend, ask yourself: “Can I eat this thing if hunger comes?” If the answer is no, you may want to skip it for now. Set realistic financial goals that won’t have you calling your parents or friends with the classic “Abeg, you fit wire me 2k? I will pay you back.”
3. Be friends with budgeting apps.
No be only vibes dey carry people go ending of the month! Whether you’re working as an intern or earning a salary, tracking your spending with apps like Mint or YNAB can help you avoid unnecessary expenses. Don’t just chop life, make sure life doesn’t chop you too. Knowing where your money goes makes it easier to cut back on what’s not necessary—like that daily suya that’s somehow draining your account. You know yourself!
4. Join the Meal Prep Gang.
If you spend all of your money on fast food, it’s time to switch lanes! Learn how to cook small quantities, whether you are a college student, an intern, or a salary earner. Meal planning saves you money and prevents you from running to the nearest fast food restaurant when you’re hungry. Even if it’s indomie or jollof, your wallet will thank you for not purchasing food every hour.
5. Emergency Fund Is Bae.
Life comes at you quickly—one minute you’re relaxing, the next your phone screen is cracked, or your laptop is doing “on and off.” To avoid panic, keep a small emergency fund on hand. It doesn’t have to be large; just enough to handle those unexpected wahala moments. Trust me, e go save you stress and heartbreak.
6. Learn to Say ‘No’ Without Guilt.
You know how it goes: someone asks for money, and your heart wants to help, but your account balance is screaming, “Bros, na suffer you wan start so?” Learn to say no when you can’t afford to give, and do so without guilt. Not every request must be answered! Take care of your pocket first; others go dey alright.
Whether you’re a student, intern, or salaried employee, keeping these tips in mind will help you stay afloat without begging for an urgent twokay. Remember, even small savings can make a big difference! Your bank account will be fine laslas.
