Question

Alright i want to buy a redmi a5. And i have 60,000 naira next month i will have 90,000. I will i save i am just tired.

Answer 1

I can help — first a couple quick questions so I can make a plan that actually fits you:
- How much does the Redmi A5 cost where you’ll buy it (or what price range have you seen)?
- When do you want to buy it (next month, in three months, no rush)?
- Are the 90,000 next month guaranteed income or a one‑off? Do you have other regular income or fixed expenses (rent, school, feeding) each month?

If you don’t know the price yet, here are simple, practical steps you can start with and some concrete saving options depending on when you want to buy.

Immediate steps (do these now)
1. Find the exact price (including delivery/fees). That’s your target.
2. Put the money aside somewhere you won’t touch it — a separate bank account, mobile wallet savings lock, or a sealed envelope at home. Treat it as untouchable.
3. Decide your deadline. That tells you how much to set aside each week/day.

Simple saving plans (examples)
- If target = 70,000 and you already have 60,000:
- Put the 60k aside now. Next month add 10k from the 90k and you’re done. Keep the rest of the 90k for essentials.
- If target = 120,000 and you have 60,000 + 90,000 next month (total 150k):
- You already have enough — reserve 120k immediately and keep 30k for emergency. Don’t spend the reserved money.
- If you want to buy in 2 months and target = 100,000:
- Weekly plan: need ~50k/month -> about 12.5k/week. From your 90k next month, save at least 50k into the target stash and keep the rest for expenses.

Ways to free up money fast
- Cut nonessentials for 1–2 months: reduce eating out, airtime/data, streaming subs.
- Sell unused items (phones, clothes, accessories) on Jiji/Jumia/WhatsApp groups — you can raise 5–20k quickly.
- Pick up small side jobs: delivery, tutoring, online microtasks, selling food/snacks, freelance gigs.
- Avoid borrowing or buying on credit — interest can eat your savings.

Behaviour tips to keep you motivated
- Make a visible tracker (draw a progress bar) and tick it each time you add money.
- Automate transfers if possible (move a fixed amount to savings as soon as you get paid).
- Give yourself small rewards when you hit milestones so you don’t feel deprived.
- Tell one friend/family member for accountability.

If you tell me the phone price and your timeframe (and whether the 90k is income), I’ll make a one‑month and three‑month saving plan with exact weekly targets and what to cut from a typical budget. Which option do you want?