13:I[6874,["6874","static/chunks/6874-d9e03c0d7ca3930c.js","7598","static/chunks/7598-3acd8d58e5680cd5.js","3063","static/chunks/3063-f23d72e3f0d73644.js","4541","static/chunks/4541-cb58a8b0b3103626.js","5953","static/chunks/app/blog/%5Bslug%5D/page-bd875f61529f6de0.js"],""] 14:I[33063,["6874","static/chunks/6874-d9e03c0d7ca3930c.js","7598","static/chunks/7598-3acd8d58e5680cd5.js","3063","static/chunks/3063-f23d72e3f0d73644.js","4541","static/chunks/4541-cb58a8b0b3103626.js","5953","static/chunks/app/blog/%5Bslug%5D/page-bd875f61529f6de0.js"],"Image"] 15:I[35664,["6874","static/chunks/6874-d9e03c0d7ca3930c.js","7598","static/chunks/7598-3acd8d58e5680cd5.js","3063","static/chunks/3063-f23d72e3f0d73644.js","4541","static/chunks/4541-cb58a8b0b3103626.js","5953","static/chunks/app/blog/%5Bslug%5D/page-bd875f61529f6de0.js"],"default"] 17:I[72678,["6874","static/chunks/6874-d9e03c0d7ca3930c.js","7598","static/chunks/7598-3acd8d58e5680cd5.js","3063","static/chunks/3063-f23d72e3f0d73644.js","4541","static/chunks/4541-cb58a8b0b3103626.js","5953","static/chunks/app/blog/%5Bslug%5D/page-bd875f61529f6de0.js"],"default"] 16:T572,

Step 1: Track Your Spending

Before you can manage your money, you need to know where it’s going. Start by reviewing your last month of expenses. You’ll be surprised at how the little things add up.

Step 2: Create a Realistic Budget

A budget isn’t about restriction—it’s about intention. Allocate funds to essentials, savings, and guilt-free spending, and make sure your budget aligns with your values.

Step 3: Build an Emergency Fund

Set aside at least 3–6 months’ worth of basic expenses. Start small—₦5,000 a week can go a long way. Having a cushion provides peace of mind and protects you from unexpected debt.

Step 4: Cut Unnecessary Expenses

Audit your subscriptions, daily habits, and impulse buys. Redirect those funds toward savings or paying off debt. Small

Enjoy this article?