1. When you get that first credit alert.
![](https://c7684bdb45.mjedge.net/wp-content/uploads/cloudinary/v1472396020/zikdlxyya3iu4tu0pjcd.jpg)
I’m now a bad guy!
2. When all the debit alerts enter and the money starts disappearing.
![](https://c7684bdb45.mjedge.net/wp-content/uploads/cloudinary/v1472390924/otmvxxkbbtlx4mr5an76.jpg)
Na wa oh!
3. When your parents no longer dash you money anyhow.
![](https://c7684bdb45.mjedge.net/wp-content/uploads/cloudinary/v1472396038/sad.jpg)
But I am still in need now!
4. When your siblings start expecting you to buy them all sorts of things.
![](https://c7684bdb45.mjedge.net/wp-content/uploads/cloudinary/v1473163031/Laugh_elf1eq.gif)
My friends you better get out!
5. When borrow-borrow family members think you are now an ATM.
![](https://c7684bdb45.mjedge.net/wp-content/uploads/cloudinary/v1473194428/what_rihanna_eex8p3.gif)
You and who please? The Lord will provide for you.
6. When you start realising how valuable every single naira is.
![](https://c7684bdb45.mjedge.net/wp-content/uploads/cloudinary/v1473159932/wow_Hillary_Clinton_chl0qh.gif)
Wow!
7. When your friends start bringing their aso ebi.
![](https://c7684bdb45.mjedge.net/wp-content/uploads/cloudinary/v1472391590/xspwehtslmv5leqjrdtk.jpg)
“It’s not in my culture to buy aso ebi and I don’t want to offend the gods.”
8. When you start seeing “bank maintenance charge”.
![](https://c7684bdb45.mjedge.net/wp-content/uploads/cloudinary/v1473194649/what_vxcpti.gif)
What does that one mean?
9. When unexpected expenses come out of nowhere and reduce your salary to chicken change.
![](https://c7684bdb45.mjedge.net/wp-content/uploads/cloudinary/v1472658075/Leave%20me%20alone%20to%20die.gif)
Lord help me!
10. When you realise you still have to pay taxes, insurance and pension contribution.
![](https://c7684bdb45.mjedge.net/wp-content/uploads/cloudinary/v1474367336/which-kim-kardashian-cry-face-are-you-2-1875-1439313147-8_dblbig_lequ6d.jpg)
AH!