Seven Things You’ll Relate To If You Struggle To Save

Backup Cash |
November 13, 2019

It’s good to save; you know that, we know that, everyone knows that. But, sometimes your bank account and financial needs are in a constant feud and you’re always in the middle. You want to save, but you also want to spend and chill, because you really didn’t come to this world to suffer.

Here are seven things you’ll relate to if this is always happening to you:

1. Calculating every kobo in tears because you know an emergency will always come up and you’ll need to spend it.

The emergency comes in many forms; buying that bag you’ve been eyeing for weeks, repairing a bad charger, buying aso-ebi for a best friend’s wedding, buying that new phone that just came out because it’s more superior to the one you got a month ago, etc.

2. TGIF And The Ministry Of Enjoyment

Sometimes, you’re disciplined enough to hold yourself from doing too much. Other times, you’re home on a Friday night, on your own browsing through Instagram. That’s when you see your mates are doing TGIF and chopping the life of their head — essentially tensioning you. It’s in that moment you’ll remember the small savings you have stashed away in the kolo under your bed, and how the money will not spend itself. So, you finally say yes to going out with your friends for the weekend after they’ve been hounding you for the past two weeks.

3. You think of saving, but end up chanting “I can’t come and kill myself” as you eat the last meat in the pot

No lean diet for a rainy tomorrow. You want instant gratification NOW and you’ve got to put your money where your mouth is.

4. Buying food instead of cooking, despite the promises you made to yourself

You told yourself you’d only eat the food you cook, why waste money buying lunch when there are groceries at home? When you’re an excellent chef and can whip a better Jollof rice than any buka or restaurant. That was a week ago. Now, you’re looking at the remaining chicken bone in the plate of food you ordered while crying on the inside. Well, at least, you won’t have to wash the disposable plates; at least, you saved up on soap

5. When you read all the articles about saving but still can’t get yourself to do so

It’s just so much work: you work hard to make money, why not spend it anyhow you want?

6. All THOSE Bills.

Because, this is Nigeria, look how we living now. The prices of things go up astronomically, inexplicably and without adequate warning. NEPA will bring their own, LAWMA will bring their own, your service provider will bring their own and so on, so why are you bothering to save sef?

7. Can’t stick to a budget, can’t stick to a savings goal, can’t stick to anything…

It was your New Year’s resolution to save more. But you’ve long forgotten that now. You really tried to be good and improve your saving culture but everything keeps working against you.

Still having issues trying to save but want to achieve your resolution before 2019 ends? Tired of all your excuses, and all your unrealistic budget/savings goals? We’ve got a plug for you.

Join the Backup Cash 21 days savings challenge. By saving as little as N500 daily for 21 days on the online savings platform via WhatsApp, Facebook Messenger or the app, you can gain up to 13 percent interest rate on your savings.

Oh, and if you’re the kind to start and not finish–because you can’t help yourself–you can open a Steady Save account that automatically saves for you on a daily, weekly or monthly basis.”

Yeah, we know, you get rewarded for saving–AWESOME.

Sponsored by
Backup Cash

Join The Conversation

Bring a friend.

You'll like this

December 28, 2020

What’s your oldest memory of money?  I was 5, and my mum gave me money to buy a crate of eggs – ₦1 coin. My own introduction to money was with coins, and this was in 1990. There was the 50 kobo coin. My boxed-up uncle used to give me whenever he visited.  What could […]

July 16, 2021

The word ‘Sapa’ is one of the most used lingoes in the Nigerian social media space. It may have been the leading buzzword on microblogging platform Twitter before the Naija government trailer rammed the platform into oblivion such that only those with VPNs can engage the blue bird.’Sapa’ is street lingo for being broke. For […]

Watch

Now on Zikoko

black woman in the gym
July 25, 2021

I spoke to four Nigerian women about what visiting the gym as a woman is like. Here’s what they had to say: Bibi, 22 I always have a pleasant experience at the gym but there was this day, my friends and I were on the mat and the instructor was helping us stretch our bodies. It […]

July 24, 2021

Puff puff is a popular African snack. It is basically fried dough. Some people love pepper in it, while some people don’t like it at all. Today, we’re going to teach you how to make puff puff. First, you get your ingredients: Flour (duh) Yeast Warm water Salt Sugar Cooking oil Now that you have […]

Sex Life
July 24, 2021

Whether you’ve been reading Zikoko Sex Life for two years or you’re reading it for the first time today, here are some stories you must enjoy at least twice. 1. Awakening My Bisexuality At 27 I remember when we were making out, it was so intense that I suddenly felt the urge to tell this […]

Recommended Quizzes

February 26, 2020

Are you all set for marriage, or are you still figuring it out? Well, if you’re curious to know the answer, then this is the quiz for you. All you have to do is create your own ideal Nollywood wedding film, and we’ll tell you if you’re ready to say “I do”. Go ahead:

November 20, 2019

Last month, we thoughtfully made a quiz telling you guys exactly when you’ll marry, but some of you claimed that your spouse was nowhere to be found. Well, now we’ve created one that’ll tell you exactly who you’ll be dragging down that aisle. Take and start planning that wedding: 11 Quizzes For Nigerians Who Are […]

November 7, 2019

These days, everyone is always talking about how much sex they’re getting, or how little sex they’re getting, or how disgusting sex is etc. There’s just so much talk about sex, it’s almost impossible to know who’s lying and who’s telling the truth. In anticipation of our new series about the sex lives of young […]

April 14, 2020

Every friend group consists of very different and specific characters — from the parent to the fun one — and it can be a little tough figuring out where you fall. So, we’ve created a quiz that lets you know exactly what kind of friend you are. Take to find out:

November 11, 2019

Today, we are going to be using your taste in music to determine how good you actually are in bed. All you need to do is create the ultimate Nigerian hit — from the lead artist to the producer — and we’ll tell you if all your partners leave satisfied, or if you are just […]

More from Money

July 20, 2021

A Week In The Life” is a weekly Zikoko series that explores the working-class struggles of Nigerians. It captures the very spirit of what it means to hustle in Nigeria and puts you in the shoes of the subject for a week. The subject of today’s “A Week In The Life” is a manager at a […]

July 16, 2021

The word ‘Sapa’ is one of the most used lingoes in the Nigerian social media space. It may have been the leading buzzword on microblogging platform Twitter before the Naija government trailer rammed the platform into oblivion such that only those with VPNs can engage the blue bird.’Sapa’ is street lingo for being broke. For […]

July 16, 2021

The crypto market has surged in popularity in 2021 not just because Bitcoin has become the largest cryptocurrency on the market but because also other cryptocurrencies like Ethereum have exploded in value. Actually, even famous business and institutional investors are supporting the growth of Ethereum and other cryptocurrencies on the crypto market. If you also […]

July 12, 2021

This week’s Naira Life is brought to you by QuickCredit. With QuickCredit, you not only get the funds you need instantly, but you also get to pay back at the lowest interest rate in Nigeria. The 28-year-old makeup artist in this #NairaLife  has had multiple experiences with low-paying jobs. In 2020, she went in on a […]

Watch

Trending Videos

Zikoko Originals

December 14, 2020
What happens when a group of chatty young Nigerians talk about things they're passionate about? You get Nigerians talk. A show that discusses very familiar struggles for the average Nigerian. From relationship deal breakers to sex education with Nigerian parents to leaving Nigeria, be prepared for a ride.
November 2, 2020
'The Couch' is a Zikoko series featuring real life stories from anonymous people.
October 26, 2020
A collection of videos documenting some of the events of the EndSARS protests.
June 22, 2020
'The Couch' is a Zikoko series featuring real life stories from anonymous people.
June 22, 2020
Hacked is an interesting new series by Zikoko made up of fictional but hilarious chat conversations.
June 4, 2020
What happens when a group of chatty young Nigerians talk about things they're passionate about? You get Nigerians talk. A show that discusses very familiar struggles for the average Nigerian. From relationship deal breakers to sex education with Nigerian parents to leaving Nigeria, be prepared for a ride.
June 2, 2020
Quickie is a video series where everyone featured gets only one minute to rant, review or do absolutely anything.
May 14, 2020
Isolation Diary is a Zikoko series that showcases what isolation is like for one young Nigerian working from home due to the Coronavirus pandemic.
March 12, 2020
Life is already hard. Deciding where to eat and get the best lifestyle experiences, isn't something you should stress about. Let VRSUS do that for you.

Z! Stacks

Here's a rabbit hole of stories to lose yourself in:

Zikoko amplifies African youth culture by curating and creating smart and joyful content for young Africans and the world.
X