500k in 6 months is about 83k every month. On a 150k salary, that already means you’re saving before anything else happens.
If you wait to see what’s left after spending, nothing will remain. In Nigeria, especially with the high living costs in Lagos, money disappears through normal life.
Salary drops, you clear small things, buy food, move around, maybe do small enjoyment, and suddenly the money is gone without a clear moment it “finished.”
The only way it works is by removing the ₦80k+ immediately after the salary enters. Not planning it, not hoping for it.
Because once it mixes with transport, food, Bolt rides, weekend plans, subscriptions, POS charges, and all those little expenses, it’s gone without notice.
