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Lifestyle Habits That Kill Your Money Goals



We know you’re tired of being told how to spend your money, but we’re also pretty sure that you’re tired of the shock you get when you see your account on red. For all of the YOLO fanatics, yes life is for the living but how do you truly live without healthy finances? Here are some lifestyle habits that kill your goals to be the next Dangote, and some alternatives to killing those habits.

Going out to eat

Some of us eat like food is becoming extinct. The solution to everything is ‘let’s go out to eat’, and without remorse, you can spend all of your life earnings on food. Unfortunately, this habit will kill your money goals faster than the food even digests.

Alternative– Eat on someone else’s bill. Call a friend who owes you money and let them pay their debts in food. You can also invite yourself to your friend’s house for dinner and offer good gist as compensation.

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Impulse spending

Social media adverts have taken over our timelines but if we work together and strategise, they won’t get us! Many of us have fallen prey to seeing the dress of our dreams suddenly pop up on our timelines and even worse, it’s available in our size.

Alternative-Instead of using your fingers to DM the seller, instead of placing that order, tag a friend who you know has a robust budget for charity! Tag them until they either block you or buy it for you. We’ve not tried it before, but it might work.

Unnecessary busy body outings

For some of us, busy body and ants in our pants will not allow our savings account to be great. These impulse outings usually result in unnecessary withdrawals and transfers which add plenty of bank charges to your bill!

Alternative– Coerce your friends into taking you out. There are so many perks of the Nigerian culture, one being if you do the inviting, you do the paying. Chop their money, if they don’t care.

ALAT advert bellanaija

If everything else fails in avoiding these common spending habits, you can use the card control feature with ALAT which allows you to enable and disable your account for any channels you desire! You could also try a savings plan where you can set up a savings goal, track progress towards meeting the goal, and get a 10% interest rate on your savings! Download ALAT from your app store and open an account in less than 8 minutes online today to get started!

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  1. Brenda

    May 5, 2017 at 1:32 pm

    You you might as well have transfer expenses to friends or use your friends to ease your burden. How is that a solution and how does it help people in general.

  2. Brenda

    May 5, 2017 at 1:34 pm

    Typo error. Let me rephrase: You might as well have said ‘transfer expenses to your friends’ or use your friends to ease your burden. How is this advice a solution and how does it help people in general?

  3. ajikoko

    May 5, 2017 at 2:02 pm

    abeg…..who write this article- they suppose suspend you for BN- so make another man carry ur load na finacial freedom- you want make people become Parasite….Ogbeni

  4. Aquamarine

    May 5, 2017 at 2:05 pm

    My thoughts exactly @Brenda

  5. Toluwalope

    May 5, 2017 at 2:06 pm

    Mere saying hello to some hungry Naija babes attimes can run you bankrupt. Their response always come with personal, family and generational problems all tied to MONEY. So be smart and learn how to say your NO in words and actions.

  6. eka

    May 5, 2017 at 2:09 pm

    how is this a solution?…. everyone sha wants to write article… crap.

  7. Fear God...

    May 5, 2017 at 2:24 pm

    Sponsored Content!

  8. ALATmyfoot

    May 5, 2017 at 2:57 pm

    rada rada….in jenifas voice

  9. Ese

    May 5, 2017 at 3:31 pm

    Nawa oooo…. so we should be bugging frnds to spend on us… i dont think thats a good idea oo. it sounds selfish to me sha

  10. LEM

    May 5, 2017 at 3:48 pm

    I was about to comment angrily too but I just saw the last paragraph. Guys read till the end. It’s a sponsored content for a platform called ALAT that’s supposed to enable you control spending.

  11. Lola

    May 5, 2017 at 4:40 pm

    Yesterday it was an offensive post portraying women as being financially dependent on men. Today its for all of us to turn to beggy beggy friends….who is generating this content na! Come on!

  12. Chic

    May 5, 2017 at 6:05 pm

    U guys sha deleted my comment.

  13. Ajala & Foodie

    May 5, 2017 at 10:18 pm

    Whatever this ATLAT is, they need a better marketing and PR group. Whoever is in charge of the marketing needs to be fired effective now!!! I read the first attempt yesterday and thought maybe it was a mistake like that Jenner Pepsi ad. To get it wrong two times in a row is no longer a mistake but a sign of someone not being qualified for their current position. BTW if the thought process is to get people talking, it is obviously still not working… Terrible advertising

  14. Doris

    May 11, 2017 at 5:20 pm

    lol. Funny article. A lot of us have lost our sense of humor sha. It was all meant to be a joke. Life is not that serious.

    • Jesse

      May 12, 2017 at 1:50 pm

      I thought I was the only one who saw the joke, I sha downloaded the ALAT app, lovely interface by the way.

  15. Mathew

    May 12, 2017 at 4:18 pm

    Doris, I support you. Also, I believe the idea is not to make people pests to their friends but to encourage savings with Alat. Now talking about Alat, It’s actually a great Bank and I’m already enjoying the freedom and flexibility it offers. Can’t wait to get 10% interest on my saving goals.

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