A Sweet Start to Q1: Financial Habits for 2025

Believe it or not, there’s been an undeniable trend in the air. New goals, fresh opportunities, and of course, the resolve to make this year better than the last. While resolutions often include health, career, and relationships, let’s not forget one of the most important areas of our lives: finances.

At i-invest, we believe that a financially secure future starts with the right habits today. Now is the perfect time to set the tone for a prosperous year. Here are five habits to cultivate that will not only help you take control of your money but also ensure you make the most of 2025:

1. Track Every Naira

It’s tempting to rely on memory to manage your expenses, but trust us, money spent quickly gets forgotten. Use budgeting apps or even a simple spreadsheet to track where your money goes. This habit not only curbs unnecessary spending but also highlights areas where you can save or invest more.

2. Set Clear Financial Goals

What’s your “why” for saving or investing? Whether it’s buying a car to ease off work stress, switching from a 9-5 to starting your own business, or creating an emergency fund, clarity is key. Write down your goals and assign timelines to them. Break them into achievable milestones and align them with the right financial instruments.

3. Automate Your Savings

Out of sight, out of mind. Automating your savings ensures you’re consistently building a safety net without the temptation to spend. With i-invest’s flexible savings plans offering up to 15% p.a., your money doesn’t just sit idle—it grows.

4. Diversify Your Investments

They say not to put all your eggs in one basket, and the same applies to investments. From Treasury Bills to Fixed Deposits and Equities, i-invest offers a range of options to suit your goals. For instance, with Fixed Returns yielding up to 25% p.a., you can make your money work harder while you focus on your day-to-day.

5. Stay Financially Educated

Markets change, and so do opportunities. Make it a habit to learn about the latest trends in finance. Follow expert advice, read up on financial news, and be sure to stay updated to help you make informed decisions.

Follow i-invest for more tips, tools, and opportunities to grow your wealth.