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Some things remain constant with each year while some new situations welcome themselves regardless of our level of preparedness. Here are some things that will likely gulp your money in 2019 apart from your daily home expenses.


School fees – If you’re a parent, you must know that you will pay school fees thrice this year. The last one in September being of a bigger sum because your child will be entering a new class which will demand some financial responsibilities.

Valentine’s Day – February still has 14th on it and the world will mark Valentine’s Day. Unless you are a Valentine’s Day Grinch with nobody to gift, you’ll be spending some money this season

Elections – This is the year of elections and as a Nigerian, you must remember that uncertainty looms. Instead of waiting to be thrust into the unknown, it is wise to make plans to ensure that however the tides turn, you and your family remain largely unaffected.

Easter and Eid celebrations – Whether Christian or Muslim, you will be marking these special seasons in 2019 and they will require some expenses. Knowing and planning is the surest way to have a joyous celebration without going broke afterwards.

Special birthdays – Be it that of your spouse, child, friend, parent or relatives – birthdays are those celebrations that we don’t count but often leave a hole in our pockets if we don’t budget for them.

Rent – This is an inevitable expense unless you currently live in your own home. Plan for it as well.

Big celebrations – If this is the year you plan to wed, put a down payment on your first home or buy your first car amongst other big celebrations, then it is an inevitable expense for you – one that requires planning. The first month of the year is the right time to start planning towards these big steps and the best investment vehicle is your best option to being financially prepared for them.

Latest brand of gadgets – iPhone may announce an upgrade to their latest version as can other companies. Be prepared for this announcement and decide ahead of time if you really need it. If yes, now is the time to start investing towards it.

The unexpected – Emergency car breakdown, hospital bills, last-minute travel expenses… name it. Because you know that life can throw you an unexpected curveball at any point, it is wise you have an emergency fund somewhere for the just-in-case moment.

Discounts and deals – With every celebration, businesses offer you deals and discounts. Expect no less in 2019 and brace yourself for them. Whether it is Easter deals, Black Friday discounts, End of the year sales – expect it and plan for or against it.

Christmas – Oh no, it’s not too early to recognize that Christmas gulps a good amount of money and can leave many accounts red. But not if you invest early towards it. Did you know that investing as little as N1000 every other day this year can have you balling through Christmas in the lifestyle you desire? Think about it.

2019 can be rosy for you if you start early to plan for the inevitable and invest appropriately to tend to them.


Meet all your 2019 expenses by investing towards them starting now. Check out investment options at

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