New Year, Big Dreams? Let’s Talk About That Checklist!

1. Save 80% of my salary every month.
2. Take a trip out of the country with my girlies.
3. Read a book every week.
4. Buy three properties in Lagos.
5. Throw a birthday party that breaks the internet.
6. Upgrade to the latest iPhone.

Does this look like your New Year’s resolution? Or maybe something close?

It’s that time of the year again when your vision board looks like it was written by Elon Musk, but your salary is saying, “Babe, let’s take it easy.” You’re earning ₦150,000, yet you’re dreaming of billions. Relax, we’re not judging, we only listen.

Here’s the truth: big dreams are valid, but let’s make them achievable. There’s no point stressing yourself with unrealistic goals. Don’t worry, we’re here to help you with smart, simple tips so that this year can be yours.

Let’s get right into it;

1. Set Realistic Resolutions

You’ve never saved 10% of your salary, yet you’re promising to save 80% this year. How? Start small—save 10%, then work your way up. Progress is better than pressure.

2. BUDGET!

In 2025, not having a budget is a financial sin. Don’t be that person wondering where all their money went. Start by requesting your account statement from your altbank app. Look through your expenses—cut out the random spending—and plan. A budget helps you take charge of your money.

3. Invest Smarter, Not Harder

Saving is good, but investing? That’s where the real money is. Do you want to know how to grow your money faster than grass? Download altinvest and check out our lineup of investment options designed to make your money work for you.

4. Start a Side Hustle

Focus on a side business! Start small, pick something with low start-up costs, and let that second stream of income flow in.

5. Save for Rainy Days

There is an African Proverb that says, “Don’t eat with all your fingers.” This means you should always leave something for when things get rough. Put a little aside for emergencies—you’ll thank yourself later.

6. Cut Back on the Extras

Do you really need to eat out every day? Or the daily impulse buying? Let’s be honest: some of these expenses can go. Small sacrifices now mean big wins later.

This year, take your finances seriously. Sprinting toward unrealistic goals will only leave you frustrated. Instead, pace yourself—marathon style. Start small, build momentum, and watch those dreams turn into reality.

You’ve got this!