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Bams
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Day 1 of fixing your finances.
Track & Control Your Money 🧵
Most people think their salary is too small. Truth? It’s not. It disappears because you don’t know where it goes. Track your money for one month it’s the first step to real growth. 💰
If you don’t track your expenses, your money leaks silently: small daily purchases, random subscriptions, food deliveries. ₦500 here, ₦1,000 there by the end of the month, your salary is gone.
Step 1: Pick a tool
•Pen & notebook (old school, works wonders)
•Spreadsheet (Excel, Google Sheets)
•Apps (Carbon, Wallet, PalmPay, your banking app)Consistency > sophistication.
Step 2: Record EVERYTHING
Track every single expense for the month. Yes, even that ₦300 suya. Yes, even that random airtime recharge of ₦200.
Step 3: Categorize
•Essentials: rent, bills, food
•Optional: eating out, shopping, entertainment
•Savings/Investments: anything that grows your money.
You’ll be shocked how much optional spending sneaks in.
Step 4: Analyze & Adjust
Ask yourself:
•What can I reduce?
•What can I eliminate?
•What should I invest instead?
This is where your “lost” money becomes growth capital.
Example:
Tega earns ₦250,000/month. After tracking:
•Food & snacks: ₦40,000
•Transport (Uber/BRT): ₦20,000
•Airtime & subscriptions: ₦10,000
By cutting just half of optional spending, he frees ₦35,000/month → savings or investments. That’s how wealth starts.
Make it a challenge:
“I’m going to track every naira for 30 days and see what I can free up.” Awareness changes your mindset. Suddenly, you control your money instead of it controlling you.
Start today. Pick your tool, track your expenses for the month, and see where your money is actually going. Knowledge is the first step to financial freedom in Nigeria.
Wickedman @O_kevwe25
Day 1 of fixing your finances Don't skip this!!!
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This 20-chapter book explains reality from the ground up to the emergence of space, time and particles.
oph-book.floatingpragma.io/landing
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What's going with my giveaway since yesterday 😀😀
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Shoutout to these active reposters, flw them & drop hdles for urs.💜👇
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