March 2025, I got alert: ₦120,000 salary credited. March 22nd, alert again: Account balance ₦1,800. Food money borrowed. Transport begged. I was angry at my salary.
Then my uncle in Lagos taught me "50-30-20 Rule". Same ₦120,000 salary in April. April 30th, I still had ₦8,200. Same salary. Different result.



