The Highs and Lows: A Day in the Life of Pablo's Girlfriend
Hey, fam! Ever wondered what it’s like living the high life in Major cities like Abuja And Lagos with a N350,000 monthly budget? Let’s spill the tea and take you on a ride through my month as a pablet (Pablo’s girlfriend).
Life with Pablo: The Ultimate “My Man, My Man” Experience
Pablo is the actual definition of "my man, my man, my man," and I wish I could scream it from the rooftops. Sure, people laugh and call me names, but their jealousy is real. I mean, who wouldn’t envy my iPad and a monthly allowance that lets me flex while they struggle with their Nokia 210? But hey, not everyone is as lucky.
Dating Pablo is a whirlwind of highs and lows. On one hand, I get to enjoy the finer things in life, from the latest gadgets to luxurious getaways. On the other hand, dealing with the stereotypes and misconceptions about dating a wealthy partner can be exhausting.
The Monthly Allowance Ritual
First thing when my allowance drops? Girl therapy, because why not? Whenever I get my allowance, I make sure to indulge in a little self-care. After that, I try to pay outstanding bills for my family, whether it's for light, water, or a mini allowance for my siblings. I also always buy my man a little gift to say thank you. Even if you’re not dating Pablo, let’s talk about navigating life in Nigeria with prices skyrocketing and wallets stretching thinner every day. For me, even with the allowance, I cannot survive in this economy. Budgeting is more crucial now than ever!
My ritual usually starts with a visit to the spa for a relaxing massage, followed by a shopping spree to update my wardrobe. Then, it's off to brunch with my girls where we catch up on the latest gossip and share budgeting tips. Yes, even with a generous allowance, budgeting is key. It's all about balancing indulgence with smart financial planning.
A majority of the money Pablo gives me comes from the budget we have done previously because he has not had a big cash-out for a while. But with budgeting, we have been able to afford all this.
Budgeting is not just about cutting back; it's about making sure you’re getting the most out of what you have. We plan our expenses together, ensuring that we can enjoy our lifestyle without going overboard. It's a delicate balance, but it's worth it to maintain both our financial health and our happiness.
Mid-Year Reality Check
We’re halfway through the year—how’s your new year’s checklist looking? Did you toss it like my friend who never even bought one? How’s your savings? Did you get that wig? Finally snag that car? And rent? Mine went up, but hey, I haven’t even bought the closure for the wig yet, and my cool hasn’t faltered. There’s still time to turn things around and rock the second half of the year.
With Nigeria's economic challenges, prices for everything are skyrocketing. Food, rent, transportation—everything costs more, stretching our wallets thinner than ever. So, mid-year is the perfect time to reassess and tighten our financial strategies. Here's a guide to making the most of what you've got and staying ahead of the curve.
Step One: Set Clear Goals
Whether it’s paying off pesky debts, saving for a summer bash, or gearing up for big expenses like a house or retirement, having specific targets keeps you focused. Write down your goals and keep them visible. This daily reminder will motivate you to stay on track and avoid unnecessary spending.
Step Two: Track Your Spending
Use the Safe Haven app to see where your money’s going each month. Break it down and spot where you can cut back—groceries, transport, or fun stuff. You'll be surprised at how much those little purchases add up. By tracking your spending, you can identify patterns and make adjustments to save more. With the Safe Haven app, you can create multiple accounts under your main account—one for rent, one for food, one for cake, one for the future. This way, you can manage your money more effectively and ensure that you’re saving for all your needs and goals.
Step Three: Create a Realistic Budget
Make sure your expenses don’t outstrip your income. Set aside cash for savings, essentials, and a bit of fun. Automate those savings with monthly transfers, so you stash it before you spend it. Creating a budget doesn't mean you can't enjoy life. It's about being mindful of your spending and ensuring that you live within your means.
Step Four: Build an Emergency Fund
Squirrel away 3-6 months’ worth of living expenses. Think of it like this—between Netflix and Spotify, whoever takes the money out first wins! Look out for deals, use coupons, and avoid impulse buys. An emergency fund provides a safety net in case of unexpected expenses, so you don't have to rely on loans or credit cards.
Step Five: Regular Budget Check-Ins
Budgeting isn’t a one-shot deal but an ongoing process. Keep checking in on your budget and adjust as needed, especially if your cash flow changes. Stay flexible and ready to roll with whatever life throws your way. Regular check-ins help you stay on top of your finances and make necessary adjustments to stay on track.
Dealing with Stereotypes and Misconceptions
Being Pablo's girlfriend comes with its fair share of stereotypes. People often assume I'm just with him for the money. They don't see the genuine connection we share, or how he supports my dreams. It's frustrating, but I've learned to let go of what others think and focus on our happiness. It's about the bond we've built and the life we've created together.
Staying Grounded and Giving Back
Despite the luxurious lifestyle, staying grounded is important. I make it a point to give back to the community and support causes close to my heart. Whether it's volunteering or donating to charity, giving back keeps me humble and connected to the world around me.
Wrap-Up: Take Control of Your Finances
Follow these tips, and you’ll take control of your finances and see progress. Stay cool because wetin go come do your steeze if you dey borrow? My own steeze sha don drop small because na urgent 5k I ask pablo for he say make I say cheese, be like him block me sha, but hey we move! We loan you, and you don’t even need to worry about your composure 'cause we can protect it for you. No need to borrow from a human being.
Wanna start managing your money? Check out our individual accounts here and get started today!