The whole category in one page.
RECORD WHAT YOU ACTUALLY SPEND FOR A MONTH, BECAUSE PEOPLE ARE CONSISTENTLY WRONG ABOUT IT
Small repeated amounts are invisible individually and substantial monthly, and nothing improves without knowing where money goes.
SAVE BEFORE YOU SPEND, NOT FROM WHAT IS LEFT — BECAUSE WHAT IS LEFT IS NOTHING
Build an emergency fund first, keep it in a separate account, and automate the transfer so the decision is removed.
DIVIDE ANNUAL COSTS BY TWELVE AND SET THEM ASIDE MONTHLY
School fees, rent renewal and ceremonies are predictable. Unplanned, they become debt — and rent renewal arriving without the money is the commonest crisis there is.
CHECK THE TOTAL YOU WILL REPAY, NOT THE MONTHLY FIGURE, AND TREAT RATES QUOTED PER MONTH WITH GREAT CAUTION
Contact a lender before missing a payment, because arrangements are possible before default and much harder afterwards.
REFUSE ANY LENDING APPLICATION THAT WANTS ACCESS TO YOUR CONTACTS, MESSAGES OR PHOTOGRAPHS — THERE IS NO LENDING REASON FOR IT
URGENCY, AUTHORITY AND AN UNUSUAL PAYMENT METHOD ARE THE COMMON THREAD IN FRAUD
Verify independently using a number you already hold, never give out a code sent to you, and tell someone you trust before any significant payment — fraud depends on isolation.
ANYTHING PROMISING HIGH RETURN WITHOUT RISK IS MISREPRESENTED, AND CONCENTRATION IS WHAT PRODUCES TOTAL LOSS
NEVER GUARANTEE SOMEONE ELSE'S DEBT, BECAUSE YOU BECOME LIABLE FOR ALL OF IT AND PEOPLE WHO ASK FREQUENTLY CANNOT PAY
AND IF MONEY IS DIFFICULT, ESTABLISH THE ACTUAL POSITION RATHER THAN AVOIDING IT — IT IS USUALLY CLEARER THAN FEARED AND USUALLY RECOVERABLE
