5 bad spending habits that are lowkey robbing you!

Have you ever checked your account balance and started questioning your life’s choices? One minute, you have money, and the next, it’s like your account is fasting.

If your money keeps vanishing like a WhatsApp status, it’s time to address these 5 bad spending habits. Luckily, Safe Haven is here to help you secure your bag and save like a pro. Let’s get into it!

1. The “E No Dey Cost” Mentality

You see something small, maybe ₦2,000 for food, ₦2,000 for delivery, ₦3,000 for “just chilling.” and it feels like you are not spending at all. Some call it “managing’’ Before you know it, you’ve spent ₦50,000 on vibes alone …yes that habit you need to let it go, let that ice cream and shawarma rest. Start tracking these small expenses for one month. E go shock you!

2. Big Boy/Girl Lifestyle on Small Salary

You're living large like Dangote’s heir, but your salary is looking at you like, “Boss, we can’t keep up.” Booking rides everywhere, skipping real meals for unnecessary junk, constantly buying “just one or two things,” and spending like the money will never run out.

Before you buy anything, ask yourself, “If my account balance could talk, would it slap me?”

Instead of spending recklessly, secure your funds first by saving as little as a thousand naira any time the urge to get something comes up.

3. Emotional Spending (a.k.a Retail Therapy Wahala)

You’re sad? You buy something. You’re happy? You buy something. You’re bored? You buy something. You're using spending to solve emotional problems, but your bank account is the one suffering the heartbreak, but Piling up the debt like a skyscraper.

Anytime you feel like impulse buying, send that money to your Safe Haven Sub Account account instead. Find other ways to enjoy life for free, go on a walk, gist with your guys, or take a nap (because sleep is free).

4. The “I Deserve It” Overspending

You tell yourself, “I work hard, I deserve to enjoy.” No wahala, but but ask yourself, is this enjoyment or financial recklessness. Don't run faster than your angel o...

Budget for enjoyment! Open a Safe Haven sub-account for flexing and put money inside at the start of the month. If you like, use it all in one weekend then you know you done for the month.

Enjoyment doesn’t always mean spending money. Sometimes, just chilling with friends and having a good gist is more than enough.

5. Subscriptions You Forgot About

You signed up for one “free trial,” and months later, your money is still disappearing. Netflix, Apple Music, random apps, these subscriptions are on auto mode, silently draining your account. Time to check what’s eating your cheese, man!

• Check your bank statement and cancel anything you’re not using or not necessary.
• Create a Safe Haven sub-account for subscriptions and fund it monthly, so you never get unexpected debits.

If your money keeps disappearing anyhow, Safe Haven will help you organize your spending and savings. With sub-accounts, you can separate your enjoyment money, savings, and subscriptions—so you don’t end up spending everything on just vibes.

No more “I no know where my money go”, it’s time to secure the bag and chop life responsibly with Safe Haven.