Make saving automatic
Willpower runs out. Set things up once so saving happens before you can spend.
In the app: 2 lessons · 1 quick check
Key points
1. Don't rely on willpower
- Fixed costs — rent, bills, school fees.
- Savings and long-term money — taken out first.
- Guilt-free spending — whatever remains is yours to enjoy without worry.
When your savings are already set aside, the rest of your money is truly free to spend.
2. Automating it in Kopkad
- Ramit Sethi, I Will Teach You to Be Rich (2009) — the 'conscious spending plan' and automating your money.
The full lesson is in the Kopkad app
Worked examples in naira, quick checks to test yourself, and the step-by-step guide to doing it, free with your account.
Read more elsewhere
External sites, not run by Kopkad.
Full lesson + tools in the Kopkad app
Split your next income in Wealth Builder
Pick Seed, Grow or Harvest and Kopkad shows exactly how much of every income to save, give and live on.
- Full lessons with real examples
- Quick checks as you learn
- Wealth Builder tools to do it
Free to join. Find the lessons under Learn → Financial Literacy at app.kopkad.ng and in the Android app.