The most populated part of Lagos is the mainland. It is considered to be the preferred choice of location for an average Lagosian, perhaps due to its much affordable lifestyle compared to the Island.

Here are some of the best places to live on the mainland;

1. Ikeja

Ikeja is the capital of Lagos and it remains one of the most populated places in the state. It is one of the exclusive residential areas of the Lagos mainland and being the capital, it houses most government parastatals with both the Governor’s office and government house. It is also regarded as the business hub of the state. Ikeja is a well planned, clean, and quiet residential area in Lagos. If you like to hang out with friends, you can head to the Ikeja city mall or any cinemas, bars, or restaurants that are found throughout this neighborhood. There are also a lot of good schools, hospitals, and security outposts in Ikeja. It is a goldmine for landlords and property agents. Even if living in Ikeja sounds expensive, it is among the affordable places to live in Lagos.

2. Yaba

Another amazing place to live in Lagos is Yaba. It is one of the most popular places in Lagos. known as the Silicon Valley of Nigeria. Majority of internet start-ups like Co-Creation hub, Andela and others has turned Yaba to one of the most sought-after locations. It is a suburb located in Lagos Mainland and one of the best places to start a family in Lagos. It also accommodates major schools in Lagos like The University of Lagos located in Akoka, Queens College and Yaba College of Technology making Yaba a place for the younger generation. In addition, Yaba has one of the busiest market sites in Lagos, known as Tejuosho Market, Nigeria. The nightlife in Yaba is next to nothing.

3. Surulere

The neighborhood of Surulere is perfectly suited for young working professionals and social butterflies on a budget but with a preference for liveliness. It is one of the best places to live in Lagos. It is at the center of Lagos and connected to almost all routes and roads in Lagos. It also has popular landmarks like the National Stadium Lagos, National Arts Theatre, Teslim Balogun Stadium, Adeniran Ogunsanya Shopping mall, Ojuelegba, Amala Shitta, St. Anthony’s Catholic Church, the Nigeria Internet Registration Association (NIRA), and the Nigerian Breweries. If you are looking for a place to reside in Lagos on a budget, you should rent an apartment in Surulere. There are a lot of attractive places to live like Bode Thomas, Coker, Shitta, and Orile.

4. Festac

Festac Town is a federal housing estate located along the Lagos-Badagry Expressway in Lagos State. It is one of the best places to live with a family in Lagos, and also one of the most peaceful places in Lagos state. This area boasts of reliable power supply, accessible police and fire stations, state of the arts supermarkets, restaurants, hotels, health centers, and post offices. Living in Festac allows you to enjoy your life in Lagos.

5. Magodo

Magodo is a place in Kosofe Local Government Area, Lagos. It lies toward the outskirts of Lagos in close proximity to Ikeja and Ojodu Berger. It is basically a residential area that is known to be home to some affluent people in the society. If you are looking for a place to live in Lagos that has good security, a lively environment, fantastic social amenities, good roads, and friendly neighbors, then you should relocate to Magodo. With a lot of Estates springing up in between Ajah and the Lekki, Magodo is one of the best places to live in Lagos, there are a lot of cheap land and houses in this part of Lagos that you can capitalize on.

If you ever plan to enjoy life in Lagos, the above places will offer you good comfort and allows you to access your place of work without hassle.

Kwaba can help you secure an apartment in any of these locations or any other oarts of Lagos and Abuja while you pay back in convenient monthly installments. Visit our website via the link below to use this service.

https:///3srtjju

The most populated part of Lagos is the mainland. It is considered to be the preferred choice of location for an average Lagosian, perhaps due to its much affordable lifestyle compared to the Island.

Here are some of the best places to live on the mainland;

1. Ikeja

Ikeja is the capital of Lagos and it remains one of the most populated places in the state. It is one of the exclusive residential areas of the Lagos mainland and being the capital, it houses most government parastatals with both the Governor’s office and government house. It is also regarded as the business hub of the state. Ikeja is a well planned, clean, and quiet residential area in Lagos. If you like to hang out with friends, you can head to the Ikeja city mall or any cinemas, bars, or restaurants that are found throughout this neighborhood. There are also a lot of good schools, hospitals, and security outposts in Ikeja. It is a goldmine for landlords and property agents. Even if living in Ikeja sounds expensive, it is among the affordable places to live in Lagos.

2. Yaba

Another amazing place to live in Lagos is Yaba. It is one of the most popular places in Lagos. known as the Silicon Valley of Nigeria. Majority of internet start-ups like Co-Creation hub, Andela and others has turned Yaba to one of the most sought-after locations. It is a suburb located in Lagos Mainland and one of the best places to start a family in Lagos. It also accommodates major schools in Lagos like The University of Lagos located in Akoka, Queens College and Yaba College of Technology making Yaba a place for the younger generation. In addition, Yaba has one of the busiest market sites in Lagos, known as Tejuosho Market, Nigeria. The nightlife in Yaba is next to nothing.

3. Surulere

The neighborhood of Surulere is perfectly suited for young working professionals and social butterflies on a budget but with a preference for liveliness. It is one of the best places to live in Lagos. It is at the center of Lagos and connected to almost all routes and roads in Lagos. It also has popular landmarks like the National Stadium Lagos, National Arts Theatre, Teslim Balogun Stadium, Adeniran Ogunsanya Shopping mall, Ojuelegba, Amala Shitta, St. Anthony’s Catholic Church, the Nigeria Internet Registration Association (NIRA), and the Nigerian Breweries. If you are looking for a place to reside in Lagos on a budget, you should rent an apartment in Surulere. There are a lot of attractive places to live like Bode Thomas, Coker, Shitta, and Orile.

4. Festac

Festac Town is a federal housing estate located along the Lagos-Badagry Expressway in Lagos State. It is one of the best places to live with a family in Lagos, and also one of the most peaceful places in Lagos state. This area boasts of reliable power supply, accessible police and fire stations, state of the arts supermarkets, restaurants, hotels, health centers, and post offices. Living in Festac allows you to enjoy your life in Lagos.

5. Magodo

Magodo is a place in Kosofe Local Government Area, Lagos. It lies toward the outskirts of Lagos in close proximity to Ikeja and Ojodu Berger. It is basically a residential area that is known to be home to some affluent people in the society. If you are looking for a place to live in Lagos that has good security, a lively environment, fantastic social amenities, good roads, and friendly neighbors, then you should relocate to Magodo. With a lot of Estates springing up in between Ajah and the Lekki, Magodo is one of the best places to live in Lagos, there are a lot of cheap land and houses in this part of Lagos that you can capitalize on.

If you ever plan to enjoy life in Lagos, the above places will offer you good comfort and allows you to access your place of work without hassle.

Kwaba can help you secure an apartment in any of these locations or any other parts of Lagos and Abuja while you pay back in convenient monthly installments. Visit our website via the link below to use this service.

https:///3srtjju

The most populated part of Lagos is the mainland. It is considered to be the preferred choice of location for an average Lagosian, perhaps due to its much affordable lifestyle compared to the Island.

Here are some of the best places to live on the mainland;

1. Ikeja

Ikeja is the capital of Lagos and it remains one of the most populated places in the state. It is one of the exclusive residential areas of the Lagos mainland and being the capital, it houses most government parastatals with both the Governor’s office and government house. It is also regarded as the business hub of the state. Ikeja is a well planned, clean, and quiet residential area in Lagos. If you like to hang out with friends, you can head to the Ikeja city mall or any cinemas, bars, or restaurants that are found throughout this neighborhood. There are also a lot of good schools, hospitals, and security outposts in Ikeja. It is a goldmine for landlords and property agents. Even if living in Ikeja sounds expensive, it is among the affordable places to live in Lagos.

2. Yaba

Another amazing place to live in Lagos is Yaba. It is one of the most popular places in Lagos. known as the Silicon Valley of Nigeria. Majority of internet start-ups like Co-Creation hub, Andela and others has turned Yaba to one of the most sought-after locations. It is a suburb located in Lagos Mainland and one of the best places to start a family in Lagos. It also accommodates major schools in Lagos like The University of Lagos located in Akoka, Queens College and Yaba College of Technology making Yaba a place for the younger generation. In addition, Yaba has one of the busiest market sites in Lagos, known as Tejuosho Market, Nigeria. The nightlife in Yaba is next to nothing.

3. Surulere

The neighborhood of Surulere is perfectly suited for young working professionals and social butterflies on a budget but with a preference for liveliness. It is one of the best places to live in Lagos. It is at the center of Lagos and connected to almost all routes and roads in Lagos. It also has popular landmarks like the National Stadium Lagos, National Arts Theatre, Teslim Balogun Stadium, Adeniran Ogunsanya Shopping mall, Ojuelegba, Amala Shitta, St. Anthony’s Catholic Church, the Nigeria Internet Registration Association (NIRA), and the Nigerian Breweries. If you are looking for a place to reside in Lagos on a budget, you should rent an apartment in Surulere. There are a lot of attractive places to live like Bode Thomas, Coker, Shitta, and Orile.

4. Festac

Festac Town is a federal housing estate located along the Lagos-Badagry Expressway in Lagos State. It is one of the best places to live with a family in Lagos, and also one of the most peaceful places in Lagos state. This area boasts of reliable power supply, accessible police and fire stations, state of the arts supermarkets, restaurants, hotels, health centers, and post offices. Living in Festac allows you to enjoy your life in Lagos.

5. Magodo

Magodo is a place in Kosofe Local Government Area, Lagos. It lies toward the outskirts of Lagos in close proximity to Ikeja and Ojodu Berger. It is basically a residential area that is known to be home to some affluent people in the society. If you are looking for a place to live in Lagos that has good security, a lively environment, fantastic social amenities, good roads, and friendly neighbors, then you should relocate to Magodo. With a lot of Estates springing up in between Ajah and the Lekki, Magodo is one of the best places to live in Lagos, there are a lot of cheap land and houses in this part of Lagos that you can capitalize on.

If you ever plan to enjoy life in Lagos, the above places will offer you good comfort and allows you to access your place of work without hassle.

Kwaba can help you secure an apartment in any of these locations while you pay back in convenient monthly installments. Visit our website via the link below to use this service.

https:///3srtjju

Emergency Funds are incredibly important in every person’s life. An emergency fund essentially covers the surprises of life whether that’s a medical emergency or something as simple as repairing your car. Having a stash of money you can rely on can really go a long way.

How to build an emergency fund

Here are the steps you need to build an effective emergency fund;

1. Calculate how much you'll save

Before you start you need to calculate how much you want to save for emergencies. This is tricky because you can never really know what emergencies will come your way. However, you can get a general idea of them by calculating how much you’ve spent on emergencies in the past. To help you with this, a platform such as Kwaba assumes 40% of your saivings as emergency funds and keeps it in a jar for their users to access at any point of need.

2. Set a monthly savings goal

Once you have been able to successfully figure out your holistic savings goal you can now begin to break the cost down per month. For instance, if you calculated you need to save N240,000 in a year for emergencies you would have to save N240,000 ÷ 12 = N20,000 a month. Now all you need to achieve this is to save N50,000 monthly towards your rent on Kwaba and an emergency fund of N20,000 is automatically available at your disposal.

3. Save first

If you’re part of the “I’ll save later” crew it is time to repent. You’re never going to get any money saved that way. The trick to savings is to save immediately. Once you set aside some money specifically for your savings on the Kwaba app, an instant emergency fund is automatially set aside for you to take out at any time.

4. Make it automatic

Having a plan for your emergency fund is good but executing the plan is even better! You need to stay consistent for this to be effective. To help ensure consistency, you can use an app such as Kwaba to automatically save towards your rent and keep building your emergency fund simultaneously.

5. Keep the change

A great way to save money if you spend a lot of cash is to take whatever change you have from the day and put them in a box or jar. It can be as little as N20 or N1000, When the container fills up you can take it to a bank, deposit the money and move it to a reliable savings platform. Kwaba helps you save towards your rent and build your emergency funds at the same time.

6. Assess and adjust contributions

Check-in after a few months to see how you’re doing. Is your plan effective? If you’re not able to save as much you planned maybe you should try adjusting. If saving every month is difficult for you, you can make it every 2 months. Whatever is most comfortable for you. ’

Financial storms are part of life and it’s our duty to make sure we’re as prepared for them as possible. Saving platforms such as Kwaba ensures that you are prepared for the rainy days.

To visit our website to download the Kwaba app, kindly click on the link below

https:///3srtjju

Emergency Funds are incredibly important in every person’s life. An emergency fund essentially covers the surprises of life whether that’s a medical emergency or something as simple as repairing your car. Having a stash of money you can rely on can really go a long way.

How to build an emergency fund

Here are the steps you need to build an effective emergency fund;

1. Calculate how much you'll save

Before you start you need to calculate how much you want to save for emergencies. This is tricky because you can never really know what emergencies will come your way. However, you can get a general idea of them by calculating how much you’ve spent on emergencies in the past. To help you with this, a platform such as Kwaba assumes 40% of your saivings as emergency funds and keeps it in a jar for their users to access at any point of need.

2. Set a monthly savings goal

Once you have been able to successfully figure out your holistic savings goal you can now begin to break the cost down per month. For instance, if you calculated you need to save N240,000 in a year for emergencies you would have to save N240,000 ÷ 12 = N20,000 a month. Now all you need to achieve this is to save N50,000 monthly towards your rent on Kwaba and an emergency fund of N20,000 is automatically available at your disposal.

3. Save first

If you’re part of the “I’ll save later” crew it is time to repent. You’re never going to get any money saved that way. The trick to savings is to save immediately. Once you set aside some money specifically for your savings on the Kwaba app, an instant emergency fund is automatially set aside for you to take out at any time.

4. Make it automatic

Having a plan for your emergency fund is good but executing the plan is even better! You need to stay consistent for this to be effective. To help ensure consistency, you can use an app such as Kwaba to automatically save towards your rent and keep building your emergency fund simultaneously.

5. Keep the change

A great way to save money if you spend a lot of cash is to take whatever change you have from the day and put them in a box or jar. It can be as little as N20 or N1000, When the container fills up you can take it to a bank, deposit the money and move it to a reliable savings platform. Kwaba helps you save towards your rent and build your emergency funds at the same time.

6. Assess and adjust contributions

Check-in after a few months to see how you’re doing. Is your plan effective? If you’re not able to save as much you planned maybe you should try adjusting. If saving every month is difficult for you, you can make it every 2 months. Whatever is most comfortable for you. ’

Financial storms are part of life and it’s our duty to make sure we’re as prepared for them as possible. Saving platforms such as Kwaba ensures that you are prepared for the rainy days.

To visit our website to download the Kwaba app, kindly click on the link below

https:///3srtjju

Emergency Funds are incredibly important in every person’s life. An emergency fund essentially covers the surprises of life whether that’s a medical emergency or something as simple as repairing your car. Having a stash of money you can rely on can really go a long way.

How to build an emergency fund

Here are the steps you need to build an effective emergency fund;

1. Calculate how much you'll save

Before you start you need to calculate how much you want to save for emergencies. This is tricky because you can never really know what emergencies will come your way. However, you can get a general idea of them by calculating how much you’ve spent on emergencies in the past. To help you with this, a platform such as Kwaba assumes 40% of your saivings as emergency funds and keeps it in a jar for their users to access at any point of need.

2. Set a monthly savings goal

Once you have been able to successfully figure out your holistic savings goal you can now begin to break the cost down per month. For instance, if you calculated you need to save N240,000 in a year for emergencies you would have to save N240,000 ÷ 12 = N20,000 a month. Now all you need to achieve this is to save N50,000 monthly towards your rent on Kwaba and an emergency fund of N20,000 is automatically available at your disposal.

3. Save first

If you’re part of the “I’ll save later” crew it is time to repent. You’re never going to get any money saved that way. The trick to savings is to save immediately. Once you set aside some money specifically for your savings on the Kwaba app, an instant emergency fund is automatially set aside for you to take out at any time.

4. Make it automatic

Having a plan for your emergency fund is good but executing the plan is even better! You need to stay consistent for this to be effective. To help ensure consistency, you can use an app such as Kwaba to automatically save towards your rent and keep building your emergency fund simultaneously.

5. Keep the change

A great way to save money if you spend a lot of cash is to take whatever change you have from the day and put them in a box or jar. It can be as little as N20 or N1000, When the container fills up you can take it to a bank, deposit the money and move it to a reliable savings platform. Kwaba helps you save towards your rent and build your emergency funds at the same time.

6. Assess and adjust contributions

Check-in after a few months to see how you’re doing. Is your plan effective? If you’re not able to save as much you planned maybe you should try adjusting. If saving every month is difficult for you, you can make it every 2 months. Whatever is most comfortable for you. ’

Financial storms are part of life and it’s our duty to make sure we’re as prepared for them as possible. Saving platforms such as Kwaba ensures that you are prepared for the rainy days.

To visit our website to download the Kwaba app, kindly click on the link below

https:///3srtjju

Emergency Funds are incredibly important in every person’s life. An emergency fund essentially covers the surprises of life whether that’s a medical emergency or something as simple as repairing your car. Having a stash of money you can rely on can really go a long way.

How to build an emergency fund

Here are the steps you need to build an effective emergency fund;

1. Calculate how much you'll save

Before you start you need to calculate how much you want to save for emergencies. This is tricky because you can never really know what emergencies will come your way. However, you can get a general idea of them by calculating how much you’ve spent on emergencies in the past. To help you with this, a platform such as Kwaba assumes 40% of your saivings as emergency funds and keeps it in a jar for their users to access at any point of need.

2. Set a monthly savings goal

Once you have been able to successfully figure out your holistic savings goal you can now begin to break the cost down per month. For instance, if you calculated you need to save N240,000 in a year for emergencies you would have to save N240,000 ÷ 12 = N20,000 a month. Now all you need to achieve this is to save N50,000 monthly towards your rent on Kwaba and an emergency fund of N20,000 is automatically available at your disposal.

3. Save first

If you’re part of the “I’ll save later” crew it is time to repent. You’re never going to get any money saved that way. The trick to savings is to save immediately. Once you set aside some money specifically for your savings on the Kwaba app, an instant emergency fund is automatially set aside for you to take out at any time.

4. Make it automatic

Having a plan for your emergency fund is good but executing the plan is even better! You need to stay consistent for this to be effective. To help ensure consistency, you can use an app such as Kwaba to automatically save towards your rent and keep building your emergency fund simultaneously.

5. Keep the change

A great way to save money if you spend a lot of cash is to take whatever change you have from the day and put them in a box or jar. It can be as little as N20 or N1000, When the container fills up you can take it to a bank, deposit the money and move it to a reliable savings platform. Kwaba helps you save towards your rent and build your emergency funds at the same time.

6. Assess and adjust contributions

Check-in after a few months to see how you’re doing. Is your plan effective? If you’re not able to save as much you planned maybe you should try adjusting. If saving every month is difficult for you, you can make it every 2 months. Whatever is most comfortable for you. ’

Financial storms are part of life and it’s our duty to make sure we’re as prepared for them as possible. Saving platforms such as Kwaba ensures that you are prepared for the rainy days.

To visit our website to download the Kwaba app, kindly click on the link below

https:///3srtjju

Saving, as widely seen as a good money management scheme is easier said than done. Even though it is a key to financial independence, many still finds it difficult to put some money aside. Not only does saving seems like the “right” thing to do, many of us can point to experiences in our own lives or in the lives of loved ones that shows the importance of saving. In some cases, savings reduces the effects of an unexpected expense or a lost job. Other times, savings support flexibility and a well-lived life, like taking the family on vacation or helping a friend in need. When you have cash savings to fall back on, your day-to-day financial decisions are easier, you have fewer worries, and you have more freedom to make choices that allow you to enjoy life.

We should save for a down payment. We should save to send our children to school. We should save towards our rent. We should save so that we might retire independently. So why is this still so difficult?

Here are some of the reasons why most people finds savings very hard;

1. Not tracking spending

As long as your account balance reads positive, you feel you are doing good. Even though you know your spending habit is way out of it, you don’t want to keep track. It’s one of those things you know you should do but loathe actually starting. You have to know where your money is going. There may be opportunities to reduce spending, cut back on certain expenses, and more that can help you start to save money.

2. Low income

The various cost of living daily outgrows salary hence making it difficult to actually set some money aside. But at the same time, you can increase how much money goes into your pocket at the end of the day. This could be by starting a side hustle or investing in income generating assets.

3. Lifestyle inflation

Just because you make more money does not mean you have to spend more money. If you get a raise, save the extra income. You don’t need those Armani shoes just yet. People tend to increase their spending by purchasing luxurious items, eating out at nicer restaurants, or buying high-end electronics. Even though it is important to not give in to lifestyle inflation, there is no issue with spending more if you make more. Just be sure to budget your money first.

4. Peer pressure

We don’t all make the same amount of money. If you really want to start saving, don’t compare yourself to your friends. Misalignment of interests and hobbies often results in opting to spend more while around people instead of doing something at home or elsewhere, where it wouldn’t cost money. Imagine how much you could have saved.

5. Debt

When you try as hard as possible to keep up with that extravagant lifestyle, succumbing to peer pressure, you tend to fall into debts too easily. This is a principal reason why most people don’t save. They have so much debts eating into their income all the time.

6. Ignorance

When it comes to saving, there is a fair bit of due diligence required. Putting in the work is, however, not everyone’s cup of tea. This goes for savings options, investing options, free activities, and anything else that could make saving a usual activity. Most of the time information is not known. It’s hard to save money or invest when you don’t know what you are doing, right?

7. Don't know how

You need to be learning new financial habits continually. The easiest way to start saving is to automate everything. There are several platforms that has automated saving features. Platforms such Kwaba allows you create specific target savings towards your rent and make sure you stay to this commitment until you reach your goal. You can’t be undecided along the way as they make sure you don’t fail to save at the estimated time.

Download the Kwaba app to start saving towards your rent by clicking the link below

https:///2XFSmTi

Saving, as widely seen as a good money management scheme is easier said than done. Even though it is a key to financial independence, many still finds it difficult to put some money aside. Not only does saving seems like the “right” thing to do, many of us can point to experiences in our own lives or in the lives of loved ones that shows the importance of saving. In some cases, savings reduces the effects of an unexpected expense or a lost job. Other times, savings support flexibility and a well-lived life, like taking the family on vacation or helping a friend in need. When you have cash savings to fall back on, your day-to-day financial decisions are easier, you have fewer worries, and you have more freedom to make choices that allow you to enjoy life.

We should save for a down payment. We should save to send our children to school. We should save towards our rent. We should save so that we might retire independently. So why is this still so difficult?

Here are some of the reasons why most people finds savings very hard;

1. Not tracking spending

As long as your account balance reads positive, you feel you are doing good. Even though you know your spending habit is way out of it, you don’t want to keep track. It’s one of those things you know you should do but loathe actually starting. You have to know where your money is going. There may be opportunities to reduce spending, cut back on certain expenses, and more that can help you start to save money.

2. Low income

The various cost of living daily outgrows salary hence making it difficult to actually set some money aside. But at the same time, you can increase how much money goes into your pocket at the end of the day. This could be by starting a side hustle or investing in income generating assets.

3. Lifestyle inflation

Just because you make more money does not mean you have to spend more money. If you get a raise, save the extra income. You don’t need those Armani shoes just yet. People tend to increase their spending by purchasing luxurious items, eating out at nicer restaurants, or buying high-end electronics. Even though it is important to not give in to lifestyle inflation, there is no issue with spending more if you make more. Just be sure to budget your money first.

4. Peer pressure

We don’t all make the same amount of money. If you really want to start saving, don’t compare yourself to your friends. Misalignment of interests and hobbies often results in opting to spend more while around people instead of doing something at home or elsewhere, where it wouldn’t cost money. Imagine how much you could have saved.

5. Debt

When you try as hard as possible to keep up with that extravagant lifestyle, succumbing to peer pressure, you tend to fall into debts too easily. This is a principal reason why most people don’t save. They have so much debts eating into their income all the time.

6. Ignorance

When it comes to saving, there is a fair bit of due diligence required. Putting in the work is, however, not everyone’s cup of tea. This goes for savings options, investing options, free activities, and anything else that could make saving a usual activity. Most of the time information is not known. It’s hard to save money or invest when you don’t know what you are doing, right?

7. Don't know how

You need to be learning new financial habits continually. The easiest way to start saving is to automate everything. There are several platforms that has automated saving features. Platforms such Kwaba allows you create specific target savings towards your rent and make sure you stay to this commitment until you reach your goal. You can’t be undecided along the way as they make sure you don’t fail to save at the estimated time.

Download the Kwaba app to start saving towards your rent by clicking the link below

https:///2XFSmTi

Saving, as widely seen as a good money management scheme is easier said than done. Even though it is a key to financial independence, many still finds it difficult to put some money aside. Not only does saving seems like the “right” thing to do, many of us can point to experiences in our own lives or in the lives of loved ones that shows the importance of saving. In some cases, savings reduces the effects of an unexpected expense or a lost job. Other times, savings support flexibility and a well-lived life, like taking the family on vacation or helping a friend in need. When you have cash savings to fall back on, your day-to-day financial decisions are easier, you have fewer worries, and you have more freedom to make choices that allow you to enjoy life.

We should save for a down payment. We should save to send our children to school. We should save towards our rent. We should save so that we might retire independently. So why is this still so difficult?

Here are some of the reasons why most people finds savings very hard;

1. Not tracking spending

As long as your account balance reads positive, you feel you are doing good. Even though you know your spending habit is way out of it, you don’t want to keep track. It’s one of those things you know you should do but loathe actually starting. You have to know where your money is going. There may be opportunities to reduce spending, cut back on certain expenses, and more that can help you start to save money.

2. Low income

The various cost of living daily outgrows salary hence making it difficult to actually set some money aside. But at the same time, you can increase how much money goes into your pocket at the end of the day. This could be by starting a side hustle or investing in income generating assets.

3. Lifestyle inflation

Just because you make more money does not mean you have to spend more money. If you get a raise, save the extra income. You don’t need those Armani shoes just yet. People tend to increase their spending by purchasing luxurious items, eating out at nicer restaurants, or buying high-end electronics. Even though it is important to not give in to lifestyle inflation, there is no issue with spending more if you make more. Just be sure to budget your money first.

4. Peer pressure

We don’t all make the same amount of money. If you really want to start saving, don’t compare yourself to your friends. Misalignment of interests and hobbies often results in opting to spend more while around people instead of doing something at home or elsewhere, where it wouldn’t cost money. Imagine how much you could have saved.

5. Debt

When you try as hard as possible to keep up with that extravagant lifestyle, succumbing to peer pressure, you tend to fall into debts too easily. This is a principal reason why most people don’t save. They have so much debts eating into their income all the time.

6. Ignorance

When it comes to saving, there is a fair bit of due diligence required. Putting in the work is, however, not everyone’s cup of tea. This goes for savings options, investing options, free activities, and anything else that could make saving a usual activity. Most of the time information is not known. It’s hard to save money or invest when you don’t know what you are doing, right?

7. Don't know how

You need to be learning new financial habits continually. The easiest way to start saving is to automate everything. There are several platforms that has automated saving features. Platforms such Kwaba allows you create specific target savings towards your rent and make sure you stay to this commitment until you reach your goal. You can’t be undecided along the way as they make sure you don’t fail to save at the estimated time.

Download the Kwaba app to start saving towards your rent by clicking the link below

https:///3HiB5Ad

Saving, as widely seen as a good money management scheme is easier said than done. Even though it is a key to financial independence, many still finds it difficult to put some money aside. Not only does saving seems like the “right” thing to do, many of us can point to experiences in our own lives or in the lives of loved ones that shows the importance of saving. In some cases, savings reduces the effects of an unexpected expense or a lost job. Other times, savings support flexibility and a well-lived life, like taking the family on vacation or helping a friend in need. When you have cash savings to fall back on, your day-to-day financial decisions are easier, you have fewer worries, and you have more freedom to make choices that allow you to enjoy life.

We should save for a down payment. We should save to send our children to school. We should save towards our rent. We should save so that we might retire independently. So why is this still so difficult?

Here are some of the reasons why most people finds savings very hard;

1. Not tracking spending

As long as your account balance reads positive, you feel you are doing good. Even though you know your spending habit is way out of it, you don’t want to keep track. It’s one of those things you know you should do but loathe actually starting. You have to know where your money is going. There may be opportunities to reduce spending, cut back on certain expenses, and more that can help you start to save money.

2. Low income

The various cost of living daily outgrows salary hence making it difficult to actually set some money aside. But at the same time, you can increase how much money goes into your pocket at the end of the day. This could be by starting a side hustle or investing in income generating assets.

3. Lifestyle inflation

Just because you make more money does not mean you have to spend more money. If you get a raise, save the extra income. You don’t need those Armani shoes just yet. People tend to increase their spending by purchasing luxurious items, eating out at nicer restaurants, or buying high-end electronics. Even though it is important to not give in to lifestyle inflation, there is no issue with spending more if you make more. Just be sure to budget your money first.

4. Peer pressure

We don’t all make the same amount of money. If you really want to start saving, don’t compare yourself to your friends. Misalignment of interests and hobbies often results in opting to spend more while around people instead of doing something at home or elsewhere, where it wouldn’t cost money. Imagine how much you could have saved.

5. Debt

When you try as hard as possible to keep up with that extravagant lifestyle, succumbing to peer pressure, you tend to fall into debts too easily. This is a principal reason why most people don’t save. They have so much debts eating into their income all the time.

6. Ignorance

When it comes to saving, there is a fair bit of due diligence required. Putting in the work is, however, not everyone’s cup of tea. This goes for savings options, investing options, free activities, and anything else that could make saving a usual activity. Most of the time information is not known. It’s hard to save money or invest when you don’t know what you are doing, right?

7. Don't know how

You need to be learning new financial habits continually. The easiest way to start saving is to automate everything. There are several platforms that has automated saving features. Platforms such Kwaba allows you create specific target savings towards your rent and make sure you stay to this commitment until you reach your goal. You can’t be undecided along the way as they make sure you don’t fail to save at the estimated time.

Download the Kwaba app to start saving towards your rent by clicking the link below

https:///2XFSmTi

Sometimes the hardest thing about saving money is just getting started. It is not where to save. It is about starting to save, and then continuing to save through thick and thin, until your target is reached.

Having a roof over your head is one of the basic needs of human. This means you have to meet this need somehow. If you are not a Landlord, then you are a tenant and sometimes you can even be both.

According to research, over 50% of Nigerians in the urban parts of the country lives in rented apartments. Unlike most cities around the world, rent in Nigeria is mostly paid upfront annually and this only has led to many people unable to pay up at due date. Not that they didn’t make the money to pay the rent that year but because they believe “if I don’t get it this month, there’s always next month” until it gets too late and they get kicked out. The toughest month for Nigerians who pay annual rent is the month when rent are due for payment. We’ve all been there at different points in time.

So why continue with this lifestyle when there is a better way ?

It’s a big misunderstanding to think if you make a ton of money each month then you are on the safe side. While earning a lot of money helps, what will help you, even more, to live better is to have some positive saving habits. We know saving towards your rent can be a bit challenging but it is totally achievable.

See how it can be done;

1. By keeping track of your expenses

This is not tricky at all. There are several ways you can stay on top of your expenses. Tracking your spending regularly can give a clear picture of where your money goes and help you plan where you’d like it to go instead. The mismanagement of money makes many overpaid people seem underpaid. This is why budgeting matters for your financial health, for you to see how you really spend your money and how you allocate your income across different activities. The process of keeping a record of your income and your expenses will create a better discipline when it comes to managing your money.

2. Finding ways you can cut your spending

Your budget should outline how your expenses measure up to your income so you can plan your spending and limit overspending. If your expenses are so high that you can’t save as much as you’d like, you should try and cut back.
Eliminate the unnecessary expenses and try to find cheaper alternatives to the primary expenses such as:

• DSTV packages, Netflix or Amazon prime and other subscriptions
• Mobile and WIFI operator
• Electricity usage
• Transportation

You can also eliminate unproductive charges and fees such as the ATM withdrawal fee on your debit card. They just take your money.

3. Decide on your priorities

After your expenses and income, your goals are likely to have the biggest impact on how you allocate your savings. Priortizing your saving goal gives you a clear idea of where to start saving. Let’s say you are looking to relocate to a new apartment in the near future, on a different part or town where most likely, the rent is higher compare to your current apartment. You can start putting money away now.

4. Defining a savings goal

In this case, the goal is your rent. The rule of thumb in personal finance is to spend between 25 and 30 percent of annual income on rent. So for example, if you make ₦5,000,000 annual income, your annual house rent should range between ₦1,250,000 to ₦1,500,000. This means if you keep tucking ₦170,000 into some back wallet monthly, you can easily save up for your annual rent in just 7 – 9 months. This is easier said than done right ? We know.

5. Picking the right tools - Introducing the Kwaba rent savings app

These are part of the reasons we have created Kwaba app. With our automated rent saving feature, we can help you reach your goal in no time. We help you create target savings and make sure you stay committed to reaching your goal by providing you with instant loans when life happens without you having to touch your actual savings. We make your rent a priority. As if that’s not enough, another interesting part is the fact that your monthly “rent savings” will accumulate interests on its own.

Financing is not the finish line for ,success. It means you are ready to start the marathon with the backing of fiscal endurance. You don’t have to see the whole staircase, just take the first step.

Download the Kwaba app from play store by following the link below

https:///2XFSmTi

Sometimes the hardest thing about saving money is just getting started. It is not where to save. It is about starting to save, and then continuing to save through thick and thin, until your target is reached.

Having a roof over your head is one of the basic needs of human. This means you have to meet this need somehow. If you are not a Landlord, then you are a tenant and sometimes you can even be both.

According to research, over 50% of Nigerians in the urban parts of the country lives in rented apartments. Unlike most cities around the world, rent in Nigeria is mostly paid upfront annually and this only has led to many people unable to pay up at due date. Not that they didn’t make the money to pay the rent that year but because they believe “if I don’t get it this month, there’s always next month” until it gets too late and they get kicked out. The toughest month for Nigerians who pay annual rent is the month when rent are due for payment. We’ve all been there at different points in time.

So why continue with this lifestyle when there is a better way ?

It’s a big misunderstanding to think if you make a ton of money each month then you are on the safe side. While earning a lot of money helps, what will help you, even more, to live better is to have some positive saving habits. We know saving towards your rent can be a bit challenging but it is totally achievable.

See how it can be done;

1. By keeping track of your expenses

This is not tricky at all. There are several ways you can stay on top of your expenses. Tracking your spending regularly can give a clear picture of where your money goes and help you plan where you’d like it to go instead. The mismanagement of money makes many overpaid people seem underpaid. This is why budgeting matters for your financial health, for you to see how you really spend your money and how you allocate your income across different activities. The process of keeping a record of your income and your expenses will create a better discipline when it comes to managing your money.

2. Finding ways you can cut your spending

Your budget should outline how your expenses measure up to your income so you can plan your spending and limit overspending. If your expenses are so high that you can’t save as much as you’d like, you should try and cut back.
Eliminate the unnecessary expenses and try to find cheaper alternatives to the primary expenses such as:

• DSTV packages, Netflix or Amazon prime and other subscriptions
• Mobile and WIFI operator
• Electricity usage
• Transportation

You can also eliminate unproductive charges and fees such as the ATM withdrawal fee on your debit card. They just take your money.

3. Decide on your priorities

After your expenses and income, your goals are likely to have the biggest impact on how you allocate your savings. Priortizing your saving goal gives you a clear idea of where to start saving. Let’s say you are looking to relocate to a new apartment in the near future, on a different part or town where most likely, the rent is higher compare to your current apartment. You can start putting money away now.

4. Defining a savings goal

In this case, the goal is your rent. The rule of thumb in personal finance is to spend between 25 and 30 percent of annual income on rent. So for example, if you make ₦5,000,000 annual income, your annual house rent should range between ₦1,250,000 to ₦1,500,000. This means if you keep tucking ₦170,000 into some back wallet monthly, you can easily save up for your annual rent in just 7 – 9 months. This is easier said than done right ? We know.

5. Picking the right tools - Introducing the Kwaba rent savings app

These are part of the reasons we have created Kwaba app. With our automated rent saving feature, we can help you reach your goal in no time. We help you create target savings and make sure you stay committed to reaching your goal by providing you with instant loans when life happens without you having to touch your actual savings. We make your rent a priority. As if that’s not enough, another interesting part is the fact that your monthly “rent savings” will accumulate interests on its own.

Financing is not the finish line for ,success. It means you are ready to start the marathon with the backing of fiscal endurance. You don’t have to see the whole staircase, just take the first step.

Download the Kwaba app from play store by following the link below

https:///2XFSmTi

Living by yourself for the first time is a milestone for many of us. Having to move out of your parent’s house comes with all kinds of new adventures and opportunities. And even though it often comes with exciting adult like feelings, living alone for the first time can also be very challenging life and life changing.

Luckily for some of us, we still get to have roommates on our first few rides. Your first roommates are like your lifelines for figuring out the real world. They are there to push you out of your comfort zone and to talk you off the edge when you take things too far; they celebrate your biggest achievements and they’re the ones who come home with a tub of ice cream when all you need is good cry and a Netflix binge. While it is like this for some, the rest of us just take the move solo.

If you’re living alone for the first time, whether you’re moving out of mom and dad’s, saying no more to housemates, or getting out of a relationship and having a bed to yourself after all these years, here are 4 things you should know.

1. Everything is expensive

Living alone is a big expense. Firstly you need an accommodation. Make sure you browse through neighborhoods that you feel connected to, that you vibe with, that you can afford. Consider your commute and what that might look like. But also be realistic about prices and idealizing what’s quaint and trendy. Remember that you are in this alone.

2. Everyday is cleaning day

It’s one thing to get everything set up the way you want it, and another to turn the place into a complete mess. You’d think living alone would mean less cleaning up after the dishes, or picking the clothes left on the dryer. Actually, it’s the total opposite. There’s always something to clean up.

3. Your bills won't pay themselves

You only have you to help pay bills. You can’t afford to get a pay cut, getting fired, taking medical time off. Getting sick after all your sick days are used means you can’t afford to take time off unless your boss orders you to go home. In everything you do, you can never leave your bills unattended.

4. Budgeting and Saving is tricky

While you might have planned for covering rent and bills as a single person, it’s easy to forget all of the other costs you’ll be handling on your own: groceries, laundry detergent, even just a new blanket or chair if you need it. These are things your parents cater for or perhaps you used to have a roommate to split the bills with. But you’ve taken this decision to ride solo, now it’s left to you to see it through.

What happens when your rent runs out?

This is why you have to develop the habit of budgeting and savings as early as possible so you keep up with the costly lifestyle that comes with that adulthood you so much craved for. You won’t like to be sent packing to your parent’s house. A good way to stay ahead of your next rent is to start a savings plan with Kwaba. The Kwaba app allows you to create target savings towards your rent and still offers you emergency funds whenever that adulthood bills slips back in without you having to touch your savings.

Download the Kwaba app by clicking on the link below and keep your rent well managed!

https:///2XFSmTi

To avoid noises and disturbances from odd hour services and night vigils.

mercyib:
If it's not too closed to religion centers

Living by yourself for the first time is a milestone for many of us. Having to move out of your parent’s house comes with all kinds of new adventures and opportunities. And even though it often comes with exciting adult like feelings, living alone for the first time can also be very challenging life and life changing.

Luckily for some of us, we still get to have roommates on our first few rides. Your first roommates are like your lifelines for figuring out the real world. They are there to push you out of your comfort zone and to talk you off the edge when you take things too far; they celebrate your biggest achievements and they’re the ones who come home with a tub of ice cream when all you need is good cry and a Netflix binge. While it is like this for some, the rest of us just take the move solo.

If you’re living alone for the first time, whether you’re moving out of mom and dad’s, saying no more to housemates, or getting out of a relationship and having a bed to yourself after all these years, here are 4 things you should know.

1. Everything is expensive

Living alone is a big expense. Firstly you need an accommodation. Make sure you browse through neighborhoods that you feel connected to, that you vibe with, that you can afford. Consider your commute and what that might look like. But also be realistic about prices and idealizing what’s quaint and trendy. Remember that you are in this alone.

2. Everyday is cleaning day

It’s one thing to get everything set up the way you want it, and another to turn the place into a complete mess. You’d think living alone would mean less cleaning up after the dishes, or picking the clothes left on the dryer. Actually, it’s the total opposite. There’s always something to clean up.

3. Your bills won't pay themselves

You only have you to help pay bills. You can’t afford to get a pay cut, getting fired, taking medical time off. Getting sick after all your sick days are used means you can’t afford to take time off unless your boss orders you to go home. In everything you do, you can never leave your bills unattended.

4. Budgeting and Saving is tricky

While you might have planned for covering rent and bills as a single person, it’s easy to forget all of the other costs you’ll be handling on your own: groceries, laundry detergent, even just a new blanket or chair if you need it. These are things your parents cater for or perhaps you used to have a roommate to split the bills with. But you’ve taken this decision to ride solo, now it’s left to you to see it through.

What happens when your rent runs out?

This is why you have to develop the habit of budgeting and savings as early as possible so you keep up with the costly lifestyle that comes with that adulthood you so much craved for. You won’t like to be sent packing to your parent’s house. A good way to stay ahead of your next rent is to start a savings plan with Kwaba. The Kwaba app allows you to create target savings towards your rent and still offers you emergency funds whenever that adulthood bills slips back in without you having to touch your savings.

Download the Kwaba app by clicking on the link below and keep your rent well managed!

https:///2XFSmTi

Choosing an apartment doesn’t have to be a tiresome, tedious task but have you ever moved into what seemed like the perfect apartment, only to discover a million things you hated about it after signing the lease? Moving into a new apartment can be very exciting enough for you to miss or overlook the obvious red flags. Sometimes you only get one brief walkthrough before deciding where you’ll live for the next few years. Whether you love apartment hunting or despise it, there are certain things your must-have list should include to improve your chances of loving your new home.

Here are 5 things to look out for before making that next move;

1. The Location
More important than living in the hottest neighborhood is how close your place is to things that are important to you – public transportation, work, family and friends, and conveniences like grocery stores and restaurants. Pull up your google map if need be to check your surroundings. Choose an apartment that doesn’t force you to drive an extra 30 minutes on your commute, an apartment that works with your lifestyle rather than altering it.

2. How comfortable is the new space?
As a renter, you might need to spend a lot of time in your new apartment especially if there is a chance you will be working from home. If that’s the case, take extra care to make sure your future space is suitable for remote work. You need to ask the right questions and make necessary preparations. Will you be needing a dedicated office space? Do you have a partner or roommate who also works from home, and can you work in the same room? Is the overall environment quiet and distraction-free? You need to ask the right questions to your landlord or agent.

3. Appliances
While some people are fine with laundry in the building, others can’t live without machines in the unit. Figure out your type of person and be sure your apartment has the necessary facilities. And just like you would test out the power outlets and electrical work in the apartment, testing out these appliances is a good idea.

4. Observe the parking lot at different times of the day
If you have a car, being able to park without too much hassle is crucial. When moving into a busy apartment complex, it’s totally possible that you could have 100+ people there. That makes the parking lot very important. You will want to visit the apartment around the time everyone is getting home and leaving for work. This will give you a good idea of how hectic leaving the apartment will be and will show you how much competition for spots there is after work.

5. Security
You would be surprised at how much a neighborhood or building could change from day to night. It could be bright, calm, and safe during the day but transform into dark, chaotic, and dangerous at night. If the door to your potential apartment opens right onto the sidewalk with no fence or common entryway, safety may be a concern. Especially if you’re living alone, look for a building with a lobby, fenced and even with a gateman.

There are a lot of questions to ask when it comes to how to choose an apartment, and a lot of information to filter through in pinpointing a perfect match. Don’t hesitate to ask more pointing questions of the agents or apartment managers and do a background research by yourself.

Read more housing related blogs on [url]blog.kwaba.ng[/url]

Choosing an apartment doesn’t have to be a tiresome, tedious task but have you ever moved into what seemed like the perfect apartment, only to discover a million things you hated about it after signing the lease? Moving into a new apartment can be very exciting enough for you to miss or overlook the obvious red flags. Sometimes you only get one brief walkthrough before deciding where you’ll live for the next few years. Whether you love apartment hunting or despise it, there are certain things your must-have list should include to improve your chances of loving your new home.

Here are 5 things to look out for before making that next move;

1. The Location
More important than living in the hottest neighborhood is how close your place is to things that are important to you – public transportation, work, family and friends, and conveniences like grocery stores and restaurants. Pull up your google map if need be to check your surroundings. Choose an apartment that doesn’t force you to drive an extra 30 minutes on your commute, an apartment that works with your lifestyle rather than altering it.

2. How comfortable is the new space?
As a renter, you might need to spend a lot of time in your new apartment especially if there is a chance you will be working from home. If that’s the case, take extra care to make sure your future space is suitable for remote work. You need to ask the right questions and make necessary preparations. Will you be needing a dedicated office space? Do you have a partner or roommate who also works from home, and can you work in the same room? Is the overall environment quiet and distraction-free? You need to ask the right questions to your landlord or agent.

3. Appliances
While some people are fine with laundry in the building, others can’t live without machines in the unit. Figure out your type of person and be sure your apartment has the necessary facilities. And just like you would test out the power outlets and electrical work in the apartment, testing out these appliances is a good idea.

4. Observe the parking lot at different times of the day
If you have a car, being able to park without too much hassle is crucial. When moving into a busy apartment complex, it’s totally possible that you could have 100+ people there. That makes the parking lot very important. You will want to visit the apartment around the time everyone is getting home and leaving for work. This will give you a good idea of how hectic leaving the apartment will be and will show you how much competition for spots there is after work.

5. Security
You would be surprised at how much a neighborhood or building could change from day to night. It could be bright, calm, and safe during the day but transform into dark, chaotic, and dangerous at night. If the door to your potential apartment opens right onto the sidewalk with no fence or common entryway, safety may be a concern. Especially if you’re living alone, look for a building with a lobby, fenced and even with a gateman.

There are a lot of questions to ask when it comes to how to choose an apartment, and a lot of information to filter through in pinpointing a perfect match. Don’t hesitate to ask more pointing questions of the agents or apartment managers and do a background research by yourself.

Read more housing related blogs on [url]blog.kwaba.ng[/url]

Hey guys,

Challenge other renters to save N25k, N50k or N100k towards your rent on Kwaba this December and get double interest on your savings for the month.

To enjoy this offer, download the Kwaba app from Play Store via the link below

https:///2XFSmTi

Hey guys,

Challenge other renters to save N25k, N50k or N100k towards your rent on Kwaba this December and get double interest on your savings for the month.

To enjoy this offer, download the Kwaba app from Play Store via the link below

https:///2XFSmTi

Our 100k cash giveaway starts today!

The task is simple;

• Download the Kwaba app from Play Store by clicking here https:///2XFSmTi
• Create and lock your savings plan.
• Make a minimum of N1,000 deposit to your plan.

Post screenshots on task completion to our DM.

All payments will be remitted at the end of the giveaway!

Our 100k cash giveaway starts today!

The task is simple;

• Download the Kwaba app from Play Store by clicking here https:///2XFSmTi
• Create and lock your savings plan.
• Make a minimum of N1,000 deposit to your plan.

Post screenshots on task completion to our DM.

All payments will be remitted at the end of the giveaway!

With the new Kwaba app now on Play Store, you can now;

* create target savings towards your rent
* Get emergency loans without having to touch your savings
* Pay bills and other utilities.
* access rent loans as an active saver.

Download the Kwaba app from Play Store by clicking on the link below.

https:///2XFSmTi

Hey guys,

You can now create target savings towards your rent, get emergency loans when life happens and your rent finance using the Kwaba app.

Download the app on Play store via this link

https://play.google.com/store/apps/details?id=com.kwaba_mobile_app&gl=GB

Mr. Gbadebo is a working class Nigerian citizen who resides in Lagos. He is a family man who drives a Toyota Camry, he lives in a 3 bedroom flat to accommodate his growing family. He seems to be doing just fine.

However, there is always a little voice in his head constantly reminding him of the need to pay his rent. He visits the calendar and dread the day his rent becomes due. He tosses and turns at night or when he does sleep, he wakes up sweating profusely and heart racing. His account balance does not seem to give any hope and he is quite aware that there is no free money even in Freetown. He tried saving for rent but failed because he had to attend to fresh bills. He needs to pay his rent urgently but he has no bulk money to pay at once.

This story is not far-fetched from the present happenings of residents in most part of our country where the prices of rent has skyrocketed in the past few years and bulk payment of rent has been an ever increasing challenge to overcome.

The good news is that Kwaba has him covered. We are not taking his financial situations lightly.

With our new top up feature, Mr Gbadebo can now;

• Get access to rental loans
• Spread payment into convenient monthly installments.
• Access comprehensive rent insurance.

You can now apply for your rental finance on the new Kwaba app.

Download the Kwaba app on Google Play Store by following the link below.

https:///3BW6A0z

Mr. Gbadebo is a working class Nigerian citizen who resides in Lagos. He is a family man who drives a Toyota Camry, he lives in a 3 bedroom flat to accommodate his growing family. He seems to be doing just fine.

However, there is always a little voice in his head constantly reminding him of the need to pay his rent. He visits the calendar and dread the day his rent becomes due. He tosses and turns at night or when he does sleep, he wakes up sweating profusely and heart racing. His account balance does not seem to give any hope and he is quite aware that there is no free money even in Freetown. He tried saving for rent but failed because he had to attend to fresh bills. He needs to pay his rent urgently but he has no bulk money to pay at once.

This story is not far-fetched from the present happenings of residents in most part of our country where the prices of rent has skyrocketed in the past few years and bulk payment of rent has been an ever increasing challenge to overcome.

The good news is that Kwaba has him covered. We are not taking his financial situations lightly.

With our new top up feature, Mr Gbadebo can now;

• Get access to rental loans
• Spread payment into convenient monthly installments.
• Access comprehensive rent insurance.

You can now apply for your rental finance on the new Kwaba app.

Download the Kwaba app on Google Play Store by following the link below.

https:///3BW6A0z

On the new Kwaba app, we’ve built in a rent focused savings product just for you. This empowers you to be more proactive towards raising your rent without breaking a sweat.

You can use the solo savings feature to save independently or better still, use our
buddy feature to save alongside flatmates, spouses and anyone you want as an accountability partner.

How to save solo on Kwaba;

1. Log in to the Kwaba app and click on Rent savings
2. Select solo savings and fill in the required information (rent target and savings frequency)
3. Click on next and select your saving tenor and starting date.
4. Click on next to review your provided details and tick the terms and conditions box to continue.
5. Select your preferred payment method and click finish.

How to save on Kwaba using buddy savings;

1. Select the buddy savings option
2. Fill in the necessary information as requested.
3. Click on next to chose a savings tenor and set your withdrawal date.
4. Select your savings frequency and choose a payment method.

To start your savings journey, download the Kwaba app directly from our website at [url]kwaba.africa[/url] or on Google Play Store by clicking on the link below.

https://play.google.com/store/apps/details?id=com.kwaba_mobile_app

On the new Kwaba app, we’ve built in a rent focused savings product just for you. This empowers you to be more proactive towards raising your rent without breaking a sweat.

You can use the solo savings feature to save independently or better still, use our
buddy feature to save alongside flatmates, spouses and anyone you want as an accountability partner.

How to save solo on Kwaba;

1. Log in to the Kwaba app and click on Rent savings
2. Select solo savings and fill in the required information (rent target and savings frequency)
3. Click on next and select your saving tenor and starting date.
4. Click on next to review your provided details and tick the terms and conditions box to continue.
5. Select your preferred payment method and click finish.

How to save on Kwaba using buddy savings;

1. Select the buddy savings option
2. Fill in the necessary information as requested.
3. Click on next to chose a savings tenor and set your withdrawal date.
4. Select your savings frequency and choose a payment method.

To start your savings journey, download the Kwaba app directly from our website at [url]kwaba.africa[/url] or on Google Play Store by clicking on the link below.

https://play.google.com/store/apps/details?id=com.kwaba_mobile_app

The exceptionally frenzied plan of Lagosians and the ever buzzing city can make nearly everything upsetting. Counting a property search. In any case of whether you’re doing this for the first time or not, renting a house in Lagos isn’t continuously a joyride. Lagos may be a active and quick moving city with a part happening at the same time. A great number of people in Lagos make it a point of obligation to use other people’s numbness to cheat them. It may be nerve-racking and time-consuming driving most “house hunters” to form rushed choices. Each move comes with its possess stretch and challenges in any case of the location.

We have taken our time out to put together this list of things to look out for, that might at slightest help in facilitating your stretch while trying to secure an apartment for yourself.

1. Proximity to Landmark, Workplace and Schools

Lagos is the financial capital of Nigeria but don’t indeed get it twisted. There are places in Lagos without a simple address. You wouldn’t want people coming to seek for you and you’ve got to stand on the roadside to get them all the time. For a few other reasons counting an emergency, you’d need to rent an apartment that can be effortlessly traceable by people. Asides that, another factor to consider is; how close is the location of my planned apartment to my place of work? In the event that you’ve got children, you might want to consider the distance between their schools and the apartment. It is not enough to rent an apartment, you must also consider how the standard of living can become better as a result of the apartment you are renting.

2. Search for houses during raining seasons

When searching for an apartment in Lagos, it is now an advisable custom for you to check the house during the day and at night and even more encouraging, during the rainy season. Be it on the Island or the mainland. The reason for this is that there are certain locations that are prone to flood and there are some situations where the landlords won’t tell you that the roofs leak. You wouldn’t want a situation when there is a heavy downpour by 2am in the midnight and you need a boat to even step out of your room. This is why we advise you to take your time to inspect the property and environment well.

3. Pre-paid meter Electricity

Even while power is unsteady, payment for the power isn’t. On the off chance that you rent an apartment without a pre-paid meter, there’s a an expansive plausibility that you might come home after work to darkness even while you are not owing. Such is the reality of Lagos. Once your house doesn’t have an installed pre-paid meter, you will be at the mercy of the electricity officers (commonly referred to as NEPA) and their often over estimated billing system. This is why we are encouraging you to find a house that uses prepaid meters.

4. Is there Water?

Asides power issues, the accessibility of clean water is very essential and a lot of things depends on water. In fact, everything does. Amid your assessment of the house, check for the accessibility of water, the quality of water, the supply source, the capacity tanks, and the frequency of pumping. This is important.

5. Read Tenancy agreement and collect your receipt!

There are houses with laws that won’t allow you to move around at certain periods of the day while others have laws that will prevent you from using your power generating set at certain periods of the night. It is very important that you properly read and understand the tenancy agreement & quit notice before making payment and putting pen to paper. Also, never make the mistake of not collecting your receipt. After making all necessary payments for the property, ensure you get a written receipt with your name on it, name of the landlord, date of payment, amount paid, location of the property and length of time to rent expiration.

There you have it, either you are a first time renter in Lagos or not, these are the essential knowledge you need to have.

Read more of our rent blogs on [url]blog.Kwaba.ng[/url]

Kwaba can help you pay your rent while you pay is back later. Download the Kwaba app to apply at [url]Kwaba.africa[/url]

The exceptionally frenzied plan of Lagosians and the ever buzzing city can make nearly everything upsetting. Counting a property search. In any case of whether you’re doing this for the first time or not, renting a house in Lagos isn’t continuously a joyride. Lagos may be a active and quick moving city with a part happening at the same time. A great number of people in Lagos make it a point of obligation to use other people’s numbness to cheat them. It may be nerve-racking and time-consuming driving most “house hunters” to form rushed choices. Each move comes with its possess stretch and challenges in any case of the location.

We have taken our time out to put together this list of things to look out for, that might at slightest help in facilitating your stretch while trying to secure an apartment for yourself.

1. Proximity to Landmark, Workplace and Schools

Lagos is the financial capital of Nigeria but don’t indeed get it twisted. There are places in Lagos without a simple address. You wouldn’t want people coming to seek for you and you’ve got to stand on the roadside to get them all the time. For a few other reasons counting an emergency, you’d need to rent an apartment that can be effortlessly traceable by people. Asides that, another factor to consider is; how close is the location of my planned apartment to my place of work? In the event that you’ve got children, you might want to consider the distance between their schools and the apartment. It is not enough to rent an apartment, you must also consider how the standard of living can become better as a result of the apartment you are renting.

2. Search for houses during raining seasons

When searching for an apartment in Lagos, it is now an advisable custom for you to check the house during the day and at night and even more encouraging, during the rainy season. Be it on the Island or the mainland. The reason for this is that there are certain locations that are prone to flood and there are some situations where the landlords won’t tell you that the roofs leak. You wouldn’t want a situation when there is a heavy downpour by 2am in the midnight and you need a boat to even step out of your room. This is why we advise you to take your time to inspect the property and environment well.

3. Pre-paid meter Electricity

Even while power is unsteady, payment for the power isn’t. On the off chance that you rent an apartment without a pre-paid meter, there’s a an expansive plausibility that you might come home after work to darkness even while you are not owing. Such is the reality of Lagos. Once your house doesn’t have an installed pre-paid meter, you will be at the mercy of the electricity officers (commonly referred to as NEPA) and their often over estimated billing system. This is why we are encouraging you to find a house that uses prepaid meters.

4. Is there Water?

Asides power issues, the accessibility of clean water is very essential and a lot of things depends on water. In fact, everything does. Amid your assessment of the house, check for the accessibility of water, the quality of water, the supply source, the capacity tanks, and the frequency of pumping. This is important.

5. Read Tenancy agreement and collect your receipt!

There are houses with laws that won’t allow you to move around at certain periods of the day while others have laws that will prevent you from using your power generating set at certain periods of the night. It is very important that you properly read and understand the tenancy agreement & quit notice before making payment and putting pen to paper. Also, never make the mistake of not collecting your receipt. After making all necessary payments for the property, ensure you get a written receipt with your name on it, name of the landlord, date of payment, amount paid, location of the property and length of time to rent expiration.

There you have it, either you are a first time renter in Lagos or not, these are the essential knowledge you need to have.

Read more of our rent blogs on [url]blog.Kwaba.ng[/url]

Kwaba can help you pay your rent while you pay is back later. Download the Kwaba app to apply at [url]Kwaba.africa[/url]

You can now save to own or get a mortgage towards that nice house on Kwaba. Let's help you buy your dream house while you pay us back in flexible monthly installments.

You can sign up to get early access on [url]mortgage.kwaba.ng[/url]

You can now save to own or get a mortgage towards that nice house on Kwaba. Let's help you buy your dream house while you pay us back in flexible monthly installments.

You can sign up to get early access on [url]mortgage.kwaba.ng[/url]