In Nigeria today, where the prices of foodstuffs fluctuate, living without a budget is like driving from Lagos to Abuja without fuel or a map — you’ll get stranded. A monthly budget in Nigeria is not about suffering; it’s about telling your money where to go instead of wondering where it disappeared.

1️ Know Your Income: Write down everything — salary, side hustle profits, Ajo/Esusu, freelance gigs. Most Nigerians live on multiple income streams, so your budgeting plan must reflect that.

2️ Track Your Expenses: Don’t underestimate food, transport, airtime/data, or lifestyle extras. Those small ₦500 data top-ups add up quickly. Use budgeting apps in Nigeria or your bank app to stay accountable.

3️ Apply the Nigerian 60/20/20 Rule:

• 60% for needs (rent, food, transport, school fees).
• 20% for wants (aso ebi, outings, leisure).
• 20% for savings/investments (Ajo, fintech apps, or the best savings account in Nigeria like e-Barcs MFB).

4️Budget for Nigerian Realities: Keep a buffer for fuel hikes, black tax, and emergencies.

5️ Save First, Spend Later: Automate your savings with good savings apps or the e-BarcsMobile App. With e-Barcs, you also earn high interest on your savings, especially on the e-Barcs Regular savings account.

A good Nigerian budget balances bills, savings, and enjoyment. Start today with e-BarcsMFB Regular savings account — the smart way to manage money in Nigeria.

📲 Download the e-BarcsMobile App now:
Android: https://bit.ly/4eb5PFq | iPhone: https://bit.ly/4nwROqb
🌐 Visit: www.e-barcsmfb.com | ☎ 07074770560