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How to Save Money if you Live in Lagos

Lagos is a very expensive state to live in. Adulting in Lagos is not for the faint-hearted. Apart from the usual costs of living, paying for accommodation, transportation and food, unplanned costs might just creep up on you without warning, demanding even more of your limited money . 

The cost of living in this state is very high and as such, the average Lagosian has little or no savings. However, if there is one thing Lagosians are good at, it is surviving.

Saving money is very important, especially in the current state of the economy. It is vital to have a cushion; something to fall back on so that in the case of an emergency, one wouldn’t be left penniless.

Here are some tips to save money in your daily life:

1. Take BRTs and Buses instead of bikes and taxis

The buses are the cheaper form of transportation in Lagos. Bikes get you there faster but they are relatively more expensive. In the cases when you are not in a rush, taking a bus will shave a few naira off your transportation costs.

2. Snack less

Yes, we know that living in Lagos is stressful and you may find yourself hungry in the middle of the day or at the end of it but you can save some money by packing some food from home to take along with you to work, instead of buying from outside. You will notice the difference in your wallet after doing this for a month.

3. Learn to say no sometimes 

It’s not every time let’s go and hang out, sometimes sit down at home. There is always rice at home. After work, when your coworkers invite you for a drink, pause and think about how all those drinks add up over the days and weeks, then don’t do it. I’m not saying you shouldn’t hang out with your friends, but it should be done with wisdom.

4. Join a co-operative

This is especially useful if you are saving towards a goal like a new car. The co-operative (commonly known in Yoruba as “Ajo”) will help to keep you accountable.Just make sure that you join a group of trustworthy people.


Temitope Oyelade

I'm Temitope, I love to read, listen, write, and question everything. I'm always up for a challenge or to learn something new.

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