Learn everything budgeting

Payday / Salary

Allocate the day money lands — salary, side income, and naira cashflow.

• Budgeting your salary in nairaSplit your monthly income into clear buckets so rent, savings, and spending each have a job before money disappears.

Jars and rent

Turn annual rent and goals into monthly jars you can actually hit.

• Building a rent jar before due dateAnnual rent shocks are normal in Nigeria. A rent jar turns one painful payment into twelve small, planned contributions.
• T-bills vs savings apps — what to knowBoth can grow money, but liquidity, returns, and risk differ. Here is a simple way to choose for short and medium-term goals.

Spending

Impulse spend, Chop Life, and staying honest with Living.

More guides coming soon. Browse the blog.

Using Orjar

Read your buckets and use the method inside the product.

• How to read your Orjar bucket spendBucket bars show allocated naira vs what you have spent. Learn what the colours and percentages mean in under two minutes.