Hey guys,

The long wait is over. We now have a rent focused savings app that allows renters save towards their rent, get interest and access to emergency loans without having to touch their savings. Also if you cannot meet up with your rent target for any reason, we can help you top it up.

You can download the Kwaba app on Play Store via this link https://play.google.com/store/apps/details?id=com.kwaba_mobile_app&gl=GB

For more enquiries, kindly reach out to our representative on +2348072930653 via calls or WhatsApp.

Thanks.

Hey guys,

The long wait is over. We now have a rent focused savings app that allows renters save towards their rent, get interest and access to emergency loans without having to touch their savings. Also if you cannot meet up with your rent target for any reason, we can help you top it up.

You can download the Kwaba app on Play Store via this link https://play.google.com/store/apps/details?id=com.kwaba_mobile_app&gl=GB

For more enquiries, kindly reach out to our representative on +2348072930653 via calls or WhatsApp.

Thanks.

Hey guys,

We all know the pressure on house rents and how that bulk rent can be so unpleasing. Kwaba is offering to pay on your behalf while you pay us back in convenient monthly installments at a slight service charge.

To pay your rent today, kindly reach out to me via WhatsApp or call at 08072930653.

Hey guys,

We all know the pressure on house rents and how that bulk rent can be so unpleasing. Kwaba is offering to pay on your behalf while you pay us back in convenient monthly installments at a slight service charge.

To pay your rent today, kindly reach out to me via WhatsApp or call at 08072930653.

Hey guys,

We all know the pressure on house rents and how that bulk rent can be so unpleasing. Kwaba is offering to pay on your behalf while you pay us back in convenient monthly installments at a slight service charge.

To pay your rent today, kindly reach out to me via WhatsApp or call at 08072930652.

Hey guys,

We all know the pressure on house rents and how that bulk rent can be so unpleasing. Kwaba is offering to pay on your behalf while you pay us back in convenient monthly installments at a slight service charge.

To pay your rent today, kindly reach out to me via WhatsApp or call at 08072930652.

Hey guys,

We all know the pressure on house rents and how that bulk rent can be so unpleasing. Kwaba is offering to pay on your behalf while you pay us back in convenient monthly installments at a slight service charge.

To pay your rent today, kindly reach out to me via WhatsApp or call at 08072930652.

Hey guys,

We all know the pressure on house rents and how that bulk rent can be so unpleasing. Kwaba is offering to pay on your behalf while you pay us back in convenient monthly installments at a slight service charge.

To pay your rent today, kindly reach out to me via WhatsApp or call at 08072930653.

Hey guys,

We all know the pressure on house rents and how that bulk rent can be so unpleasing. Kwaba is offering to pay on your behalf while you pay us back in convenient monthly installments at a slight service charge.

To pay your rent today, kindly reach out to me via WhatsApp or call at 08072930653.

So you just got a new apartment, what next ? Moving out of the old one. You can ask friends or family and you will find that most of them have moved at least once in their lifetime. Everybody seems to have a moving experience to share and some moving advice to give. Everyone has heard a few moving horror stories and a number of popular moving superstitions. Accidental acts are now seen as standard practices and rumors had been converted into facts. It’ll pay to forget all the old wives’ tales you’ve been told, because while there might be a grain of truth to some common myths, others are severe misconceptions that may lead to major moving mistakes if taken at seriously.

If you want your moving day to go off without a hitch, it will be important to educate yourself, do a lot of prep work and move into your new apartment with a clear head. We’ve put together 4 of the most common myths about moving out.

1. You can do it alone
Stressed due to packing

Just because you’ve cleared your schedule for the day and had a few energy drinks, you think you can move out just by yourself ? A big No! Unfortunately, most people believe they can easily move house without any assistance. They are just kidding. Moving house requires immense organisation and getting all moving parts working together at once. No matter how many times you’ve moved house before, it’s never going to be ‘easy’. Also, a self move is almost always a false economy as expenses might arise as you go, from hiring a bigger vehicle to fit your loads, to buying wraps and cartons to size your luggages.. There is also the issue of having to take additional time off work to arrange and pack everything in advance of the move. You might get used to the stress, but why cope with that when you can simply hire a professional mover, an experienced firm that handles all packing, insurance and transportation for your big moving day.

2. Friday is the best day to move
Moving day

This is the most common misconception about moving because while It may be convenient to move on the last workday of the week, so that you have the entire weekend to unpack your belongings and get settled, the drawbacks of a Friday-move far outweigh any possible advantages:

a) The moving costs will be higher – many people choose to move on Fridays, so the moving companies are very busy on that day of the week and charge higher for their services. If you want to save money on your move, it can be better to book a remover on Tuesday, Wednesday or Thursday.

b) The road traffic is heavier on Fridays – Have you seen Lagos roads on weekends, crawling with many people heading home or away, parties here and there, movie premieres and concerts., the list is endless.

Also, you don’t have to pressure yourself into unpacking everything in a single weekend, take your time and spread it out over a few weeks. Get the important stuff organised, and then move onto your knick-knacks when you have a clear space in your schedule.

3. Throwing out foods and cleaning equipments

This is not so much of a myth as such. Generally speaking, it is good to get rid of anything unnecessary before moving house. However, you should keep in mind that when it comes to cleaning equipment, especially expensive appliances like vacuum cleaners, you will likely have to replace anything that you get rid of. As for foods, you can give it out to charity or even throw a move out party with friends and family.

Back to cleaning equipments, there is an urban myth about leaving your old broom behind. Unless you’re terribly superstitious, you don’t need to do it. Your old broom might be perfectly functional and do the job really well. There’s no point leaving it behind or throwing it out. Bring it with you, and it’s one less thing you have to worry about buying when you arrive at your new home.

4. You will only need as much money as your estimate says

Your moving estimate may be quite accurate, but you’ll have to provide for a number of other expenses along the way. Apart from the obvious moving related expenses, there is the issue of your new home rent, utilities such as disconnection fees, start up fees, utility deposits. Also renovation works for your new apartment, and your living expenses for the first couple of months such as groceries, medications, transportation and emergency expenses. You need to be well prepared

With the stress of moving to a new property, paying your rent, changing over your utilities and finding some way to get all of your packing done in time, it can be easy to forget one simple fact: you are not the first person to go through it. So always take your time to get your facts straight and avoid misconceptions.

Happy moving!

Visit [url]kwaba.ng[/url] to seek rental finance today

So you just got a new apartment, what next ? Moving out of the old one. You can ask friends or family and you will find that most of them have moved at least once in their lifetime. Everybody seems to have a moving experience to share and some moving advice to give. Everyone has heard a few moving horror stories and a number of popular moving superstitions. Accidental acts are now seen as standard practices and rumors had been converted into facts. It’ll pay to forget all the old wives’ tales you’ve been told, because while there might be a grain of truth to some common myths, others are severe misconceptions that may lead to major moving mistakes if taken at seriously.

If you want your moving day to go off without a hitch, it will be important to educate yourself, do a lot of prep work and move into your new apartment with a clear head. We’ve put together 4 of the most common myths about moving out.

1. You can do it alone
Stressed due to packing

Just because you’ve cleared your schedule for the day and had a few energy drinks, you think you can move out just by yourself ? A big No! Unfortunately, most people believe they can easily move house without any assistance. They are just kidding. Moving house requires immense organisation and getting all moving parts working together at once. No matter how many times you’ve moved house before, it’s never going to be ‘easy’. Also, a self move is almost always a false economy as expenses might arise as you go, from hiring a bigger vehicle to fit your loads, to buying wraps and cartons to size your luggages.. There is also the issue of having to take additional time off work to arrange and pack everything in advance of the move. You might get used to the stress, but why cope with that when you can simply hire a professional mover, an experienced firm that handles all packing, insurance and transportation for your big moving day.

2. Friday is the best day to move
Moving day

This is the most common misconception about moving because while It may be convenient to move on the last workday of the week, so that you have the entire weekend to unpack your belongings and get settled, the drawbacks of a Friday-move far outweigh any possible advantages:

a) The moving costs will be higher – many people choose to move on Fridays, so the moving companies are very busy on that day of the week and charge higher for their services. If you want to save money on your move, it can be better to book a remover on Tuesday, Wednesday or Thursday.

b) The road traffic is heavier on Fridays – Have you seen Lagos roads on weekends, crawling with many people heading home or away, parties here and there, movie premieres and concerts., the list is endless.

Also, you don’t have to pressure yourself into unpacking everything in a single weekend, take your time and spread it out over a few weeks. Get the important stuff organised, and then move onto your knick-knacks when you have a clear space in your schedule.

3. Throwing out foods and cleaning equipments

This is not so much of a myth as such. Generally speaking, it is good to get rid of anything unnecessary before moving house. However, you should keep in mind that when it comes to cleaning equipment, especially expensive appliances like vacuum cleaners, you will likely have to replace anything that you get rid of. As for foods, you can give it out to charity or even throw a move out party with friends and family.

Back to cleaning equipments, there is an urban myth about leaving your old broom behind. Unless you’re terribly superstitious, you don’t need to do it. Your old broom might be perfectly functional and do the job really well. There’s no point leaving it behind or throwing it out. Bring it with you, and it’s one less thing you have to worry about buying when you arrive at your new home.

4. You will only need as much money as your estimate says

Your moving estimate may be quite accurate, but you’ll have to provide for a number of other expenses along the way. Apart from the obvious moving related expenses, there is the issue of your new home rent, utilities such as disconnection fees, start up fees, utility deposits. Also renovation works for your new apartment, and your living expenses for the first couple of months such as groceries, medications, transportation and emergency expenses. You need to be well prepared

With the stress of moving to a new property, paying your rent, changing over your utilities and finding some way to get all of your packing done in time, it can be easy to forget one simple fact: you are not the first person to go through it. So always take your time to get your facts straight and avoid misconceptions.

Happy moving!

Visit [url]kwaba.ng[/url] to seek rental finance today

Thylord:
Shebi na person wa get money day move out.increase your rent na I go hold you tire.

We can help you afford it. You just have to move out at some point. Let Kwaba help you pay for another apartment.

Visit www.kwaba.ng to see how.

anthonyuncle:
nice advert for your kwaba

Thank you. You can check us out www.kwaba.ng

CheedyJ:
Is d owner of d house a career landlord/lady? E get y oo

Please explain this! I want to know why lol

SKhanmi:
Ask if you would need a boat during rainy seasons also.

If you never enter River Niger �

phemmyfour:
12. Last NEPA bill....e get why

This!! ��

Renting an apartment in a city like Lagos is actually a big deal especially if you’ve been in the hands of some of the “deadly agents/landlords” you might get so frustrated and give up. Finding the right apartment to rent is a big decision as it affects your life and lifestyle. It affects everything from where you eat, sleep, your commute to work and so on. There are levels to getting your desired apartment in this city, you can't afford to skip the process. Before you conclude on the apartment you decide to rent, you need to ask your agent/landlord an array of questions.

Now, truth is there are hundreds of questions you can ask the agent about your potential home and you had better ask them if you want to be quite sure of the home you are about to rent. You’ve most likely decided on the area you want to live, so which house is right for you to rent.

To help you do your homework so you won’t end up having headache all through your stay in the house, below are 10 questions you must not leave out.

1. What are the lease terms?
You should be thoroughly aware as the renter, the duration of the rent and when it starts and end. A lot of landlords in Lagos still asks for 2 years upfront payment despite the Lagos state government stating a year lease should be paid. So you better ask before you enter one chance.

2. What is included in the rent?
This question is important if you don’t want to end up like my friend, Tunde. The agent told him the rent for the apartment was N300,000 and has a first-time renter, he thought it included the agreement and commission, only to be put on a long thing when he was asked to pay extra N100,000 when he was about to pay for the apartment. You need to know what you're paying for so as to maximise your budget. Here are things that may or may not be included: Agreement, commision, service charge, utilities: Ask which ones, too—electricity, water, Wi-Fi...

3. How do I pay rent?
Some places stick with checks and tellers and see it as the least expensive option, but some places allow you to pay rent online using platforms such as kwaba. Easy, faster and alot reliable, helping to bridge the gap between properties and finance by providing access to affordable loan facilities. You can easily spread your rent into convenient installments. You can visit [url]kwaba.ng[/url] to see how.

4.How often does the rent go up?
In Lagos state Nigeria, some landlords increase the value of the rent how they feel, not bothered about their tenants. This information may not be in the contract document itself. If you’re thinking of staying in this apartment for a long time, you’ll want to know if you should expect an increase in rent each year. So ask before you are made to pay more in a short while.

5. Is the rent typical ?
Ask this question and also make enquiries from other homes in the area. If not, Kola that lives in a mini flat in your street might be paying less than you live in a similar apartment.

6. What are the terms of your contract ?
If you sign a one-year contract and you want to move out when it’s over, 30-day’s notice is generally an acceptable amount of time.

7. What are your late payment policies?
Find out if there are late fees and when they come into play.

8. Maintenance policy?
Some landlords require their tenants to pay for maintenance once a year while others don’t. Ask the agent or landlord if you are required to pay any maintenance fee and also what’s to happen in the case of emergency repairs. You want to know who to call if there's water coming from your upstairs neighbor’s bathroom. You want to have access to help 24/7.

9. Can I make changes to the apartment
Some places are fine with you painting, for example, but it’s unlikely they’ll let you take down walls. Some landlords might ask you to put the apartment back to the way you found it before you move out. If you have a landlord that doesn’t want you to put nails on the walls, it is better you ask the landlord if you can hang things on the walls? Are you allowed to paint the walls as you want or change the tiles? Before you collect query.

10. What is the guest policy?
Guests are typically allowed, but landlords like to define guests. Otherwise, the line between a long-term guest and a roommate can get blurry. Your contract may state that guests can stay no longer than two weeks. This might seem like a funny question but I have heard situations where landlords complain that a particular tenant receives too many visitors or a guest has stayed too long.

11. Do I need a cosigner?
The issue of having a cosigner is a bit tricky but it is better you ask. This is most common among Lagos landlords. An unmarried lady was denied renting an apartment she liked just because she was unmarried. The landlord asked her to come with a man that will co-sign the apartment with her before he’ll allow her to rent it. Asking this question can save you from embarrassment before you fall in love with the house.

Like I said earlier, there's no end to this. You just have to keep asking. Prepare a questionaire if need be. You don't want to bite that finger in the end.

Do not repeat Tunde's mistakes! LMAO!

For more related contents on renting in Nigeria, kindly visit [url]blog.kwaba.ng[/url]

Renting an apartment in a city like Lagos is actually a big deal especially if you’ve been in the hands of some of the “deadly agents/landlords” you might get so frustrated and give up. Finding the right apartment to rent is a big decision as it affects your life and lifestyle. It affects everything from where you eat, sleep, your commute to work and so on. There are levels to getting your desired apartment in this city, you can't afford to skip the process. Before you conclude on the apartment you decide to rent, you need to ask your agent/landlord an array of questions.

Now, truth is there are hundreds of questions you can ask the agent about your potential home and you had better ask them if you want to be quite sure of the home you are about to rent. You’ve most likely decided on the area you want to live, so which house is right for you to rent.

To help you do your homework so you won’t end up having headache all through your stay in the house, below are 10 questions you must not leave out.

1. What are the lease terms?
 You should be thoroughly aware as the renter, the duration of the rent and when it starts and end. A lot of landlords in Lagos still asks for 2 years upfront payment despite the Lagos state government stating a year lease should be paid. So you better ask before you enter one chance.

2. What is included in the rent?
This question is important if you don’t want to end up like my friend, Tunde. The agent told him the rent for the apartment was N300,000 and has a first-time renter, he thought it included the agreement and commission, only to be put on a long thing when he was asked to pay extra N100,000 when he was about to pay for the apartment. You need to know what you're paying for so as to maximise your budget. Here are things that may or may not be included: Agreement, commision, service charge, utilities: Ask which ones, too—electricity, water, Wi-Fi...

3. How do I pay rent?
Some places stick with checks and tellers and see it as the least expensive option, but some places allow you to pay rent online using platforms such as kwaba. Easy, faster and alot reliable, helping to bridge the gap between properties and finance by providing access to affordable loan facilities. You can easily spread your rent into convenient installments. You can visit [url]kwaba.ng[/url] to see how.

4.How often does the rent go up?
In Lagos state Nigeria, some landlords increase the value of the rent how they feel, not bothered about their tenants. This information may not be in the contract document itself. If you’re thinking of staying in this apartment for a long time, you’ll want to know if you should expect an increase in rent each year. So ask before you are made to pay more in a short while.

5. Is the rent typical ?
Ask this question and also make enquiries from other homes in the area. If not, Kola that lives in a mini flat in your street might be paying less than you live in a similar apartment.

6. What are the terms of your contract ?
If you sign a one-year contract and you want to move out when it’s over, 30-day’s notice is generally an acceptable amount of time.

7. What are your late payment policies?
Find out if there are late fees and when they come into play.

8. Maintenance policy?
Some landlords require their tenants to pay for maintenance once a year while others don’t. Ask the agent or landlord if you are required to pay any maintenance fee and also what’s to happen in the case of emergency repairs. You want to know who to call if there's water coming from your upstairs neighbor’s bathroom. You want to have access to help 24/7.

9. Can I make changes to the apartment
Some places are fine with you painting, for example, but it’s unlikely they’ll let you take down walls. Some landlords might ask you to put the apartment back to the way you found it before you move out. If you have a landlord that doesn’t want you to put nails on the walls, it is better you ask the landlord if you can hang things on the walls? Are you allowed to paint the walls as you want or change the tiles? Before you collect query.

10. What is the guest policy?
Guests are typically allowed, but landlords like to define guests. Otherwise, the line between a long-term guest and a roommate can get blurry. Your contract may state that guests can stay no longer than two weeks. This might seem like a funny question but I have heard situations where landlords complain that a particular tenant receives too many visitors or a guest has stayed too long.

11. Do I need a cosigner?
The issue of having a cosigner is a bit tricky but it is better you ask. This is most common among Lagos landlords. An unmarried lady was denied renting an apartment she liked just because she was unmarried. The landlord asked her to come with a man that will co-sign the apartment with her before he’ll allow her to rent it. Asking this question can save you from embarrassment before you fall in love with the house.

Like I said earlier, there's no end to this. You just have to keep asking. Prepare a questionaire if need be. You don't want to bite that finger in the end.

Do not repeat Tunde's mistakes! LMAO!

For more related contents on renting in Nigeria, kindly visit [url]blog.kwaba.ng[/url]

Renting an apartment in a city like Lagos is actually a big deal especially if you’ve been in the hands of some of the “deadly agents/landlords” you might get so frustrated and give up. Finding the right apartment to rent is a big decision as it affects your life and lifestyle. It affects everything from where you eat, sleep, your commute to work and so on. There are levels to getting your desired apartment in this city, you can't afford to skip the process. Before you conclude on the apartment you decide to rent, you need to ask your agent/landlord an array of questions.

Now, truth is there are hundreds of questions you can ask the agent about your potential home and you had better ask them if you want to be quite sure of the home you are about to rent. You’ve most likely decided on the area you want to live, so which house is right for you to rent.

To help you do your homework so you won’t end up having headache all through your stay in the house, below are 10 questions you must not leave out.

1. What are the lease terms?

 You should be thoroughly aware as the renter, the duration of the rent and when it starts and end. A lot of landlords in Lagos still asks for 2 years upfront payment despite the Lagos state government stating a year lease should be paid. So you better ask before you enter one chance.

2. What is included in the rent?

This question is important if you don’t want to end up like my friend, Tunde. The agent told him the rent for the apartment was N300,000 and has a first-time renter, he thought it included the agreement and commission, only to be put on a long thing when he was asked to pay extra N100,000 when he was about to pay for the apartment. You need to know what you're paying for so as to maximise your budget. Here are things that may or may not be included: Agreement, commision, service charge, utilities: Ask which ones, too—electricity, water, Wi-Fi...

3. How do I pay rent?

Some places stick with checks and tellers and see it as the least expensive option, but some places allow you to pay rent online using platforms such as kwaba. Easy, faster and alot reliable, helping to bridge the gap between properties and finance by providing access to affordable loan facilities. You can easily spread your rent into convenient installments. You can visit [url]kwaba.ng[/url] to see how.

4.How often does the rent go up?

In Lagos state Nigeria, some landlords increase the value of the rent how they feel, not bothered about their tenants. This information may not be in the contract document itself. If you’re thinking of staying in this apartment for a long time, you’ll want to know if you should expect an increase in rent each year. So ask before you are made to pay more in a short while.

5. Is the rent typical ?

Ask this question and also make enquiries from other homes in the area. If not, Kola that lives in a mini flat in your street might be paying less than you live in a similar apartment.

6. What are the terms of your contract ?

If you sign a one-year contract and you want to move out when it’s over, 30-day’s notice is generally an acceptable amount of time.

7. What are your late payment policies?

Find out if there are late fees and when they come into play.

8. Maintenance policy?

Some landlords require their tenants to pay for maintenance once a year while others don’t. Ask the agent or landlord if you are required to pay any maintenance fee and also what’s to happen in the case of emergency repairs. You want to know who to call if there's water coming from your upstairs neighbor’s bathroom. You want to have access to help 24/7.

9. Can I make changes to the apartment?

Some places are fine with you painting, for example, but it’s unlikely they’ll let you take down walls. Some landlords might ask you to put the apartment back to the way you found it before you move out. If you have a landlord that doesn’t want you to put nails on the walls, it is better you ask the landlord if you can hang things on the walls? Are you allowed to paint the walls as you want or change the tiles? Before you collect query.

10. What is the guest policy?

Guests are typically allowed, but landlords like to define guests. Otherwise, the line between a long-term guest and a roommate can get blurry. Your contract may state that guests can stay no longer than two weeks. This might seem like a funny question but I have heard situations where landlords complain that a particular tenant receives too many visitors or a guest has stayed too long.

11. Do I need a cosigner?

The issue of having a cosigner is a bit tricky but it is better you ask. This is most common among Lagos landlords. An unmarried lady was denied renting an apartment she liked just because she was unmarried. The landlord asked her to come with a man that will co-sign the apartment with her before he’ll allow her to rent it. Asking this question can save you from embarrassment before you fall in love with the house.

Like I said earlier, there's no end to this. You just have to keep asking. Prepare a questionaire if need be. You don't want to bite that finger in the end.

Do not repeat Tunde's mistakes! LMAO!

For more related contents on renting in Nigeria, kindly visit [url]blog.kwaba.ng[/url]

Split your rent into convenient monthly installments as we help you pay your bulk rent on Kwaba.

Visit [url]kwaba.ng[/url] to apply or send a DM to +2348072930653 via WhatsApp

Split your rent into convenient monthly installments as we help you pay your bulk rent on Kwaba.

Visit [url]kwaba.ng[/url] to apply or send a DM to +2348072930653 via WhatsApp

If transportation is what you are considering, why not move closer to your place of work or business ? We can even help.

Visit kwaba.ng or WhatsApp +2348072930653. We can help you secure a nice apartment and you pay small small �

This too. When the neighborhood starts getting uncomfy. Moveeee!

Agreed, bad commute can prompt moving.

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 gather the rent 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 Kwaba 2.0
These are part of the reasons we have created Kwaba 2.0. 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 commited 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.

Visit [url]launch.kwaba.ng[/url] to get early access!

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 gather the rent 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 Kwaba 2.0
These are part of the reasons we have created Kwaba 2.0. 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 commited 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.

Visit [url]launch.kwaba.ng[/url] to get early access!

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 gather the rent 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 Kwaba 2.0
These are part of the reasons we have created Kwaba 2.0. 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 commited 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.

Visit [url]launch.kwaba.ng[/url] to get early access!

Moving out from one apartment to another is more than an overnight decision. When you just settled into an apartment, it can be hard to even imagine that you'll want to move somewhere else one day but whether you’ve lived in your apartment for 12 months or 12 years, it’s likely that one morning you’ll wake up and decide it’s time to move out.

We all have many reasons for moving, ranging from financial to social. Also, although sometimes there's a clear, urgent need to move, it's important to recognize that the desire to move is often a feeling that grows stronger over time.

Now if you're on the fence about moving out, here are tip off factors to consider in taking your decision.

1. Rent Hike
With the rate in which landlords, especially in Lagos tends to increase their rents over time, you might end up paying 500k for an apartment you moved into for 300k two years ago. When rent increases don’t match cost-of-living salary increases, it’s a strong indicator it’s time to find a better apartment and take a lot of financial stress off your shoulders.

2. You've Outgrown your place
If you had been living in a single room, you might prefer a two bedroom apartment probably because you have accumulated more things and want more space to store, display or use them all. Also, other life related moves such as marriage can prompt this feeling, you might feel you need a bigger apartment to accommodate you and your partner or family.

3. Bad Neighbours
Neighbours can change over time and you might find the new ones uncomfortable. If you start feeling like an outsider and find those living around you cold and distant, it’s probably time to seek out a community that feels more like family.

4. Bad commute
As life keeps moving from one phase to another, people finish schools and start a new job or switch jobs over time. Whenever this happens, there's a big chance your new traveling route might become expensive, tiring and uncomfortable. If your job is secure and enjoyable, moving closer to work might be a great idea.

5. You can now afford a more luxurious apartment
If you just acquired wealth (just arrived) or your salary has significantly increased since the time of the lease of your current apartment, you might decide its time to upgrade and apply more of your money toward living expenses. This often prompts relocation.

All been said, even if you're able to spend more on rent than the last time around, it's still important to identify and separate wants from needs to help ensure your next apartment is the right one for you.

Moving out from one apartment to another is more than an overnight decision. When you just settled into an apartment, it can be hard to even imagine that you'll want to move somewhere else one day but whether you’ve lived in your apartment for 12 months or 12 years, it’s likely that one morning you’ll wake up and decide it’s time to move out.

We all have many reasons for moving, ranging from financial to social. Also, although sometimes there's a clear, urgent need to move, it's important to recognize that the desire to move is often a feeling that grows stronger over time.

Now if you're on the fence about moving out, here are tip off factors to consider in taking your decision.

1. Rent Hike
With the rate in which landlords, especially in Lagos tends to increase their rents over time, you might end up paying 500k for an apartment you moved into for 300k two years ago. When rent increases don’t match cost-of-living salary increases, it’s a strong indicator it’s time to find a better apartment and take a lot of financial stress off your shoulders.

2. You've Outgrown your place
If you had been living in a single room, you might prefer a two bedroom apartment probably because you have accumulated more things and want more space to store, display or use them all. Also, other life related moves such as marriage can prompt this feeling, you might feel you need a bigger apartment to accommodate you and your partner or family.

3. Bad Neighbours
Neighbours can change over time and you might find the new ones uncomfortable. If you start feeling like an outsider and find those living around you cold and distant, it’s probably time to seek out a community that feels more like family.

4. Bad commute
As life keeps moving from one phase to another, people finish schools and start a new job or switch jobs over time. Whenever this happens, there's a big chance your new traveling route might become expensive, tiring and uncomfortable. If your job is secure and enjoyable, moving closer to work might be a great idea.

5. You can now afford a more luxurious apartment
If you just acquired wealth (just arrived) or your salary has significantly increased since the time of the lease of your current apartment, you might decide its time to upgrade and apply more of your money toward living expenses. This often prompts relocation.

All been said, even if you're able to spend more on rent than the last time around, it's still important to identify and separate wants from needs to help ensure your next apartment is the right one for you.

Imagine an app that helps you save for rent, spilt rent bills with roommates or request house rent from family members.

Sound cool right? What if the app could also let you take short term loans without touching your rent savings?

We are currently working on a new market product (RentBank) that provides all these features and more. Become an early user of Rentapp and access all these amazing features for free.

Early users also stand the opportunity to help spread the word and win customized gifts.

Kindly join our waiting list by clicking the link here https://rentbank.ng.

Imagine an app that helps you save for rent, spilt rent bills with roommates or request house rent from family members.

Sound cool right? What if the app could also let you take short term loans without touching your rent savings?

We are currently working on a new market product (RentBank) that provides all these features and more. Become an early user of Rentapp and access all these amazing features for free.

Early users also stand the opportunity to help spread the word and win customized gifts.

Kindly join our waiting list by clicking the link here https://rentbank.ng.

Good news for Lagos & Abuja residents as they can now pay rent in monthly installments on any apartment across Lagos or Abuja on kwaba.ng

We help you sort out your bulk while you pay us later in convenient installment at a very low interest rate.

Note: You have to be a salary earner, earning a minimum of 80k monthly to apply!

Visit [url]kwaba.ng[/url] to apply or download the kwaba app on play store to apply by following this link https://play.google.com/store/apps/details?id=mobileapp.kwaba.com