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From Ram to ROI: refill your wallet after Sallah in 30 days
10 June 2025 · By John Sie · 6 min read
The average Nigerian household spends about ₦150,000 during Sallah, close to three months of minimum wage gone in a week. If your account feels lighter, you’re not alone.
Week 1: see where it went
Start with your bank statement. Group the spending into food, travel, gifts and clothing, and mark what was planned and what wasn’t.
Week 2: cut one recurring cost
Pick one subscription or habit you won’t miss, and move that amount to savings the day you get paid.
Small, regular amounts beat a big plan you can’t keep.
Weeks 3–4: put it somewhere that earns
Once the habit holds, let the money work. A single co-ownership slot earns your share of rent each payout, so the next festive season is partly funded before it arrives.
