19 May 2026
Budgeting your salary in naira
Split your monthly income into clear buckets so rent, savings, and spending each have a job before money disappears.
Pay yourself first
When your salary lands, resist spending from one big balance. Assign amounts to Pay yourself, Rent, Food, and Misc the same day.
Use percentages only as a guide
If your income changes month to month, fixed naira amounts per bucket are easier to track than chasing perfect percentages.
Leave a small buffer
Keep a Misc bucket for black tax, transport surprises, and small treats. A buffer stops one unexpected expense from breaking the whole month.
Review weekly
Spend five minutes each Sunday checking which bucket is above 80% used. Move slowly — do not reshuffle buckets more than once a month unless income changed.