Budgeting template
Entry-level salary
Early-career professionals on a fixed monthly paycheck.
Sample income: ₦150,000 – ₦250,000 / month
Living
50%
Savings
30%
Chop Life
20%
Allocate to zero on payday. Living covers rent contribution, food, transport, and utilities. Savings fills emergency + rent jars before Chop Life grows.
Rent jar
If rent is annual, divide by 12 and treat that as a Living bill into a rent jar.