Meet Tobi.
Every month, it’s the same cycle. Salary drops, enjoyment follows, and two weeks later, she’s staring at her account balance like: “Who spent all this money?!”
Sounds familiar? You’re not alone. But if you’re tired of counting down to payday like it’s your lifeline, it’s time to fix these money-draining habits.
1. Impulse Spending – “It’s Just ₦5K” (Lies We Tell Ourselves)
Tobi swears she doesn’t spend much, but somehow, her money keeps vanishing. Little things like that extra meal, random online shopping, or “just one more” Uber add up fast.
Fix it: Give yourself a “fun budget.” Set aside a specific amount for small splurges so you don’t wreck your finances on impulse buys.
2. Living for the Weekend – “Soft Life” Can Wait!
TGIF hits, and Tobi is out, buying drinks for the squad like she’s Dangote’s heir. By Sunday, she’s doing financial calculations and looking for free food.
Fix it: Plan your fun. Not every weekend needs a grand outing. Look for budget-friendly ways to enjoy yourself; game nights, picnics, or even chilling at home with friends.
3. “I’ll Save What’s Left” – (Spoiler: There’s Never Anything Left)
Tobi promises to save but only after she’s spent on everything else. The problem? There’s never any money left to save.
Fix it: Pay yourself first. Set up an automated savings plan or invest a percentage of your salary immediately before spending anything else.
4. Ignoring Investments – Your Money Should Be Working Too!
Leaving all your money in a regular account is like letting it nap while inflation eats it away. Tobi keeps postponing investments because she thinks she needs millions to start.
Fix it: Start small but smart. At GetEquity we offer low-risk fixed-income investments. Even ₦100K can start making you passive income!
5. Depending on One Income – One Salary, Plenty of Expenses = Wahala
Tobi’s salary is gone before the month ends, and she’s back to square one. One income, too many responsibilities, it’s stressful!
Fix it: Look into side hustles or investments that can earn you extra income. Passive income = peace of mind.
Break the Cycle This Salary Week!
Tobi has learned her lesson. Instead of repeating the broke cycle, she’s setting up a budget, automating her savings, and making her money work for her on GetEquity.
If you’re ready to stop struggling before payday, it’s time to take control of your money.
Start investing today with as little as ₦100K. Your future self will thank you! www.getequity.io
#SmartMoneyMoves #SalaryWeek #InvestWithGetEquity