Let’s be honest—budgeting isn’t fun. No one wakes up excited to track expenses or manually transfer money into a savings account. But what if you could save money without even realizing it?
Easy saving, no guilt trips, no rigid spreadsheets. It sounds like magic, doesn’t it? No, it isn’t. It’s simply prudent (and indolent) financial management. Here’s how to accomplish it.
1. Make Everything Automated
You won’t likely remember to save money. So, to make your savings more effective and stress-free, you’d need to automate the savings and map out a dedicated amount of funds you’ll be saving monthly or daily, as the case may be.
2. Trick Yourself With Multiple Accounts
One account for bills, one for spending, and one for savings. The trick is to keep your savings account somewhere that’s not easily accessible. No linked debit card, no easy transfers. If moving money into your spending account is a hassle, you’ll be too lazy to touch it—exactly what we want.
3. Hide Your Money (From Yourself!)
Ever found money in an old jacket pocket and felt rich for a second? That’s the goal. Stash money in unexpected places—a separate mobile wallet, a locked savings account, or even with a trusted friend
Forget about it for a few months, then enjoy the surprise savings.
4. Set a ‘Forgettable’ Standing Order
Pick an amount that won’t hurt—₦1,000, ₦2,000, or even ₦5,000 weekly—then set up a standing order to move it into savings. It’s small enough to go unnoticed but big enough to grow into something meaningful over time.
5. Unsubscribe, Unfollow, Unsee Online shopping is a trap.
Those “FLASH SALES” and “LIMITED STOCK” emails? They’re designed to make you spend impulsively. Unsubscribe from marketing emails, unfollow tempting brands, and block those pushy Instagram ads. If you don’t see it, you won’t buy it.
6. Use Cash, Not Cards
Cards make spending too easy. Try withdrawing a set amount for the week and using only that. Once the cash is gone, it’s gone. No swiping, no mindless spending—just a hard stop when your wallet says “No more.”
7. Play the ‘No-Spend Challenge’
Pick a day, weekend, or even a whole week where you don’t spend on anything unnecessary. It’s a game—challenge yourself to cook at home, use what you have, and avoid all impulse buys. It’s oddly fun and incredibly effective.
8. Use iRecharge to pay your bills and save money
Paying for your electricity or TV subscription has just got faster and easier with iRecharge!
Now, when you transfer directly to your meter or decoder’s unique bank account, you save ₦100 instantly on every transaction. That means no convenience fees and instant value every time you pay.
How It Works
- Visit https://irecharge.ng/retrieve-account or Dial *6606*1#
- Get your unique account number permanently linked to your meter or decoder
- Save the account number for future use
- Make a bank transfer to the account—no extra charges, no stress!
Whether you’re paying for electricity tokens or renewing your DStv, GOtv, or Startimes, this method ensures you get the best value for your money.
Why Use This Option?
- No convenience fee – save ₦100
- Instant service delivery
- Secure, fast, and reliable
- Perfect for prepaid & postpaid users
Stop overpaying for bill payments. Switch to direct transfers with iRecharge and enjoy more value for less.
👉 Get started now: https://irecharge.ng/retrieve-account
Conclusion
Saving money doesn’t have to feel like a punishment. You can build your savings without effort or stress with a few small tweaks. The lazier you are about budgeting, the smarter your system needs to be. So set it up once, sit back, and let your money grow while you do absolutely nothing.
Lazy, but rich? Now that’s a lifestyle.