Before a single wallet is funded, your savings is already set aside. Not what is left over — what comes off the top.
Every naira gets a job before you spend it.
Savings is reserved the moment income lands. What is left splits across rent, food, transport, and the people who count on you.
Your savings comes off the top before anything else is funded, and what an envelope does not spend goes back to be split again rather than quietly piling up. A savings lock here is a commitment you make to yourself, not a vault — no interest, no bonus, no penalty for changing your mind.
Then it holds the line.
A wallet knows what is left in it. At four-fifths spent it says so, and past empty it stops you rather than quietly letting the month slide into the red. Money can move between wallets when your plan changes — that is a decision you make, recorded, not a limit that silently dissolves.
Nothing is rewritten after the fact. A correction is posted as its own reversal, so what actually happened in a month stays readable a year later.
Give this month a plan.
Set your income, choose what you keep, and name the wallets that matter.
Start a plan