Your Money Won’t Last This Semester. Here’s Why

PS: This is not a curse

Written by Miriam Onyemenam

POV it is a Friday night and you realize you don’t have enough money to last the weekend. Pocket money has a way of vanishing faster than a free seat in a packed lecture hall. One moment you’re balling, and the next, you’re checking all your pockets for forgotten 500 naira. If you’re wondering why your money keeps ghosting you, we have answers.

These are the spending habits dragging you straight to broke land:

1. Any Small Thing, “Let Me Quickly Withdraw”

You withdraw small amounts multiple times a week. 2k here, 1k there. The charges may seem small, but when you add them up, only your account balance knows the real story.

2. You’re Always Ordering Food

Every day, it’s shawarma from that fancy spot or fried rice from your favorite cloud kitchen. Meanwhile, your pots and gas cylinders are gathering dust and you’ve forgotten what home-cooked food tastes like. How will your money not finish?
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3. Bolt is Eating Your Money Like Lekki Mosquitoes

Every time Bolt drivers increase their fares, you scream, “Ha! This country sef!” Yet you still pay. Public transport is suddenly “too razz” for you. If care is not taken, you will soon be too razz for your lifestyle.

4. You’re Always Expecting a Package

Jumia, AliExpress, Konga, in fact, all the e-commerce platforms hate to see you coming. Every week, there’s a new delivery. Today it’s AirPods, tomorrow it’s a new wireless charger you don’t actually need but TikTok made you buy it. Why are you wrecking your account in the name of retail therapy?

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5. Dispatch Riders Know Your Address by Heart

It’s one thing to order a package once in a while, but you’ve turned your house into a dispatch rider’s favorite destination. The delivery guy doesn’t even need to call anymore because he knows exactly where to find you. With every new package, your wallet loses weight, and your bank account? It’s been screaming for help.

6. “Keep the Change” is Your Favorite Phrase

Your generosity is admirable. But why are you tipping bike riders like you’re Dangote? Every small errand ends with telling people to keep the change. Change that is meant to keep you during rainy days.

7. Impulse Buying Is Now Your Hobby

You go to the market for one thing but come back with ten. “I’ll just get toothpaste” but you’re back home and in your bag there’s a phone case, a cute bandana, and a plot of land. Explain yourself.

8. You’re Avoiding Spending Calculations

Budgeting? You’ve never heard of that. Anytime you try to account for where your money went, you give up halfway because the math isn’t mathing. It’s almost as if your cash vanished into thin air. Spoiler alert: it didn’t. You spent it.

Before you blame the economy, take a good look at your spending habits. If any of these signs feel too familiar, maybe it’s time to have a heart-to-heart with your wallet.

Send this to your friends who are big spenders and remind them to stay guided.

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