It’s just the 17th and somehow, you’re already side-eyeing your bank app, wondering where the money disappeared to. If “salary has entered” turns into “I’m managing” by mid-month, you’re not alone.
Truth is some habits are draining our accounts faster than we can say ‘alert’. Here are 5 sneaky spending habits you might need to check:
1. Impulse Buying aka ‘I Deserve It’ Syndrome
That random Shopee scroll, the 3rd wig this month, or that ₦7k shawarma because “I’ve had a long day”, we’ve all been there.
Treating yourself is valid, but when it’s daily, it becomes a lifestyle, not a treat. Ask: “Do I really need this, or am I just bored/tired/stressed?”
2. Spending to Impress
Whether it’s the latest phone, outfits for the ‘gram, or saying yes to every “let’s link up,” trying to keep up appearances is expensive. True soft life doesn’t scream. Let peace, not pressure, guide your spending.
3. No Budget, Just Vibes
If you’re spending without a plan, your money will disappear without explanation. Budgeting isn’t punishment, it’s permission. It tells your money where to go instead of wondering where it went.
4. Subscription Overload
Netflix, Spotify, Canva, Apple Storage, that random course you never finished, small charges, big impact. Review them. Are they still adding value, or just auto debiting your future?
5. Ignoring the “Little” Things
That ₦1k daily ride instead of a ₦400 option. Daily takeout. That “it’s just ₦2,500” habit. Little foxes spoil the vine, and little spends spoil the budget. Monitor them. They matter.
So, what’s next?
Awareness is power. Once you spot the leaks, you can patch them with wisdom. A few intentional tweaks, and you’ll go from broke-before-month-end to balling-with-boundaries.
Your account deserves rest too. Let’s do better, one smart choice at a time.
SEE ALSO: HOW TO CREATE A FINANCIAL PLAN FOR THE NEXT 5 YEARS