They say adulting is a scam. Most times we have to agree because we are all just trying our best in this adulting game. Trying to figure out your finances can be a struggle, worse than Lagos traffic on a rainy Monday morning. But fear not, financially woke warriors. This guide is your cheat code to giving the finger to adulting and becoming a money master.
Rule 1: Budgeting? Bae-sic
Adulting 101: You can’t manage what you don’t track. Budgeting isn’t your enemy, it’s your BFF. Track every kobo — that means grabbing your phone (or pen and paper, old school) and seeing where your money goes. The 50/30/20 rule is a baller move:
- 50% for needs (rent, food, that data plan)
- 30% for wants (skincare, anyone)
- 20% for savings and paying off any debts (adulting problems).
Rule 2: FOMO? No, Focus on Future Goals
Social media can be a serious temptation pit. Seeing your guys on baecations and flexing on the gram might trigger major FOMO (fear of missing out). But hold up. Their #SquadGoals might be stressing their wallets. Focus on your own financial journey, boo. Set realistic goals, like saving for a baller vacation or that sweet ride you deserve. Every “no” to buying the latest trends is a “yes” to your future self.
Rule 3: Side Hustle Like a Don
The 2020s are the side hustle era. Turning your passion into profit is a genius move to boost your income. Explore being a freelancer online, sell your dope crafts, or tutor younger people. Every extra naira adds up and gives you more financial freedom.
Rule 4: Invest Early & Watch Your Money Flourish
Investing might seem scary, but it’s like planting a money tree — the earlier you start, the richer you’ll be later. Even small investments can grow like crazy over time. Research low-risk options MyInvestar (we have plans for your hustle and your pocket). Remember, it’s never too late to start building your financial future.
Rule 5: Knowledge is Power
Financial literacy is key. Don’t be shy to ask questions, search online resources, and learn about money management. Talk to financially savvy friends or family. Financial freedom starts with knowledge, so get out there and be a smarty-pants!
Bonus Rule: Automate Your Savings & Level Up
Set it and forget it. Schedule automatic transfers from your savings account to your investment account. This is a guaranteed way to build your nest egg without even thinking about it.
Financial freedom is yours for the taking. Slay adulting with these money moves and achieve your financial goals. Now go forth and conquer!
