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Never go into 2020 without doing this



You see, you might never achieve your  financial goals if you are still carefree about how your money is being spent.

Remember, if you don’t tell your money where to go, you will keep wondering where it went…. Dave Ramsey.

Here is mine: if you don’t track where your money is going, you will keep wondering when you will be rich 😂.. Zaram.

Growing up, I had goals and aspirations.

One of which was owning my own house and having at least 3 standard businesses that wouldn’t need my attention to function.

I set these goals at age 18 and said to my self that I was going to achieve them before I was 25.

Yes! I had agreed that I was gonna get married at 25, I started having suitors right from when I was about 18 but I refused all of them because of my set goals and concluded that I will get married only when I’m 25. By then I believed I would have achieved all my goals.

Soon, I was 23 and nothing has happened. No sign of my goals being accomplished or even getting near to accomplishments. Ha!🥺

Not that I wasn’t working o.

I was working, you know that usual way of working and then spending the money on the things we call normal expenses?

Ahan! that was my case but then I felt that soon I will have enough money to start those things I planned.

But after I clocked 23, I became confused, why is my goals not coming to pass?

When exactly will all these things start happening?

Soon I would be 25 and my Mum will start pressuring me to get married ☹️

Abi is it when I get married that these my dreams will come true 🤷‍♀️?

All these were my thoughts.

It continued like this until I finally joined an investment club which was introduced to me by a friend.

It was in that club that I learnt about tracking income and expenses and budgeting.

That was the turning point in my finances.

I was able to track my income and  expenses for the first few months and discovered those things that were unnecessarily eating up my money.

I was able to start budgeting from the beginning of a month to the end, from year in to year out

I audited my account at the middle of every year and end of the year.

I can say now that I see the possibilities of achieving all of  my goals, I had even set higher goals because I totally have control over my money now.

See, if you don’t take budgeting seriously in 2020, you might end up remaining in the same financial state by year end because you were like me who was expecting to have enough money some day.

The question I should have asked myself then should have been “where will the enough money come from in the someday? Lol

If I had asked myself this question back then, I think I would have woken up to reality.

The time you should have started this budgeting stuff should have been the very month you started your first job, the next best time to start is now.


I just selected a few of them, they can be downloaded from Google play store or IOS stores.

1. Wallet – finance tracker and budget planner
2. Monthly – budget planner and daily expenses tracker
3. Money manager – Expenses tracker and free budgeting
4. Mint
5. Spending tracker.

There are so many others in the app stores.
Some of these apps are free while some are not.

But before you commit your money, ensure to use the free version to ensure its something you would like.


Most times it’s not village people that is
Keeping you in the same financial state year in year out, it’s your attitude towards your money.

It’s our inability to keep track of your income and expenses that is actually keeping you poor.

Remember that financial freedom is 80% attitude and 20% Knowlegde?

It’s not enough to learn how to make money, you should learn how to keep it too.

Keeping track of your income and expenses should help you discover whether your money is going to things you really need or just want.

It will help you reduce your expenses on things that doesn’t really matter to you and ensure you save enough to be invested.

Do you use any budgeting app?
Please share with us in the comment section.

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Tell us in the comment section
Don’t be stingy with comments 😀

18 thoughts on “Never go into 2020 without doing this”

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