Thank God Valentine has come and gone and we can finally hear word and see road again.
With all the hype and social pressure, some of us may have overspent and are now fervently looking to our Accounts department at work for help.
If this sounds like you fear not, I have some tips (that have worked for me in the past) to ensure you survive the rest of the month because I care about you.
1) Pack lunch to work:
I have noticed that when I don’t eat out, I save more money. Depending on how convenient it is to get to work, this is a proven and tested method that has worked for me over and over again and saved me after a spending spree.
Easy to carry your food.
2) Cut off luxuries:
It’s funny how when I am broke, yellow buses don’t seem that bad. N1,200 Uber vs N200 Yellow bus. N200 bus wins every time until my next payday then I get to misbehave again.
3) Soft interest-free loan:
When all fails and I remember I didn’t partake in the crime of killing our Lord and personal savior, I just reach out to family and friends that can float me until payday. Whatever I do, payday loans with interests are a red flag because imagine paying interest on top of borrowed money that may scatter finances for the coming month.
4) Track every Naira:
I enter frugal mode meaning every single note is accounted for. No dashing money to people, no impulse buying. Just accounting and prioritizing all the cash on me until salary comes.
5) Consider a side hustle:
Continuously growing broke is a driver that has motivated me to not be dependent on a single source of income. It is always an eye-opener that it’s time to double the hustle.