1. Making the most of time value of money: 10 naira today is worth more than 10 naira tomorrow. So money not invested loses its purchasing power with the passage of time. This is one of the smartest financial moves you should be making today.
There are several options available when investing in Nigeria; Treasury bills, mutual funds and even fixed-depositing your money. Just make sure your money is working at preserving its purchasing power.

2. Keep a budget, stick to it and review the document regularly. Here is a lazy man’s guide to budgeting.

3. Using compound interest to your benefit Albert Einstein called it “the greatest mathematical discovery of all time”. Compounding will make a lot of difference to the returns on your investment over time. Compounding works by re-investing your earnings on any investment. The more time you give the interest earned on your initial investment, the more opportunity it has to earn more.

4. Set aside at least 2 months of your salary as an emergency fund. This comes in handy when an unexpected and necessary expenditure that you have not budgeted for props up. You are prepared. Your car may need some serious repair.

5. Work at reducing your debt. Make a list of your debts today, and work out systematic ways of reducing them. Start by paying off the high interest debts

6. Start investing in real estate.

7. You never go wrong with insurance. This is simply a way of managing risk by transferring the potential loss to an insurance company for a fee; premium. Insurance come in different forms and for different purposes.

8. Find ways of earning more. Develop yourself. Read books, attend seminars, surf the net. Never stop looking for some ways to make more money. You could also start a side gig with a skill that you have.

9. Saying no: am not against helping others, but I have sometimes done that without considering my own needs, only to rue that decision later on. So always make sure you are covered before doling out that cash to someone. And that’s where budgets come in handy. Update and always stick to your budget.

10. Take a course on managing your finance online; FOR FREE try cousera.org, lynda.com

http://lightednation.com/2015/11/10-smartest-financial-moves-you-should-be-making/

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