Simple financial habits to start your week right

It’s a new week! A fresh start, new energy, and—let’s not forget—another opportunity to get your money game on point. Mondays don’t have to be just about work emails and traffic worries; they can also be the perfect day to reset your finances. Ready? See simple financial habits will make your week—and wallet—shine!

Budget everything you need

Start your Monday by drafting a quick budget for the week. Grab a pen, paper, or your favourite budgeting app. Write down all expected expenses: transport, food, data, and that one random thing that always pops up. Give yourself limits and stick to them like super glue. Trust me, this small step can save you from shouting, “Ah, salary has finished in just two weeks!”

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Track last week’s spending

Before you go full speed into the new week, take five minutes to review your last week’s spending. Did you buy small chops three times instead of once? Or subscribe to another Netflix-like app you barely use? Highlight those unnecessary expenses and promise yourself you’ll do better. Awareness is key, and it helps you spot where your money is doing “waka-waka.”

Plan your meals ahead

No one can do without food, but let’s face it—it’s also one of the fastest ways to go broke, especially now that foodstuff are pricey. Take control of your feeding budget this week by meal prepping. Cook your jollof rice, fry those plantains, and pack your lunch if you can. Avoid the daily temptation of ordering food from fancy restaurants or buying snacks during traffic stops. You’ll save money and eat healthier. Double win!

Make a savings move

You’re probably screaming “savings in December keh?” Well, I know you need to have a detty Decmber and salary might not even be enough for it. But, savings aren’t just for when you receive salary alerts or when you have enough. There is not a time when man would truly have enough! (Simple philosophy, my friend).

So, use Monday to stash away a little something from what you have right now. Even if it’s just ₦500 or ₦1000, it adds up over time. Set up a standing order to your savings account or put it in a trusted “Ajo” (contribution group). That small act of discipline sets a positive tone for the rest of the week.

Pay off your debts

Mondays are for fresh starts, and nothing feels fresher than clearing your debts. Send that ₦2K you borrowed from your friend and settle that ₦3,000 data you borrowed from your network. Clearing debts, no matter how small, gives you peace of mind and ensures you’re not dodging calls midweek.

Review your subscriptions

Do you really need five streaming services or three data plans? Be honest with yourself and cancel subscriptions you barely use. Mondays are perfect for this because you’re already in planning mode. Trim unnecessary recurring charges, and redirect those funds to more productive uses.

Plan for one financial treat

Let’s be real—you work hard, so you deserve to enjoy small luxuries. Budget for one treat this week, whether it’s suya on Friday night, a fancy coffee, or that Ankara fabric you’ve been eyeing. Knowing you have a planned indulgence makes it easier to say “no” to impulse buys throughout the week.

READ ALSO: Tips on prioritizing your health even when money is tight

Stay positive about your finances

Finally, remember: your financial journey is personal, and small steps lead to big wins. Start the week with a positive mindset. Celebrate your efforts, no matter how small. Tell yourself, “I’m getting closer to financial freedom!” That energy will motivate you to keep making smart money moves.

Financial habits don’t have to feel like punishment. They’re simply ways to stay ahead, reduce stress, and live your best life. So, this week, take charge of your wallet like the boss you are. Budget, save, plan, and slay all week long!