“You’ve exhausted the money sent to you at the beginning of the month? I can believe you!”
“Diane, I’m not joking. The allowance is no longer enough for me. I received it at the end of last month to cater for me this month, look at me now, I’m the real definition of sapa.”
Diane met Bisi, her friend, on her way to class. Bisi complained about not being able to pay her quota concerning the practical they have in a course. Diane, who knows how much Bisi receives from home, is still shocked at how her friend spends the allowance sent to her from home. Diane receives roughly 10k from home and she still manages it well.
“Easy, Bisi. What did you use your allowance for?”
“I don’t even know! The money just comes and flies away into thin air. I’m fed up with not meeting my needs. Gosh!
“You should be able to pinpoint what you used your money for na. Just think”
“Hmm… Okay. I bought a purse, shoes, and sponsored an event coming up in my department….”
“Diane Diane! Diane the money bag”
“Are you mocking me now? Isn’t it good to help when people need your help?”
“Oh my, it’s one of the best things to do, but not at your own detriment dear. Continue, I’m all ears”
“I got some other things too Sha”
“Do you need those things? I mean, do you really need the bag, the shoe and all of that?”
“Of course, yes. The shoes I have, people knows me with them already and you know, as per fine girl I suppose dress fine”
“Really? Who cares about what you wear? Even if they care, should you do it to ruin your finances? The things you got, if you didn’t buy them, could you do without them? Like, if you didn’t buy them you would die?”
“God forbid” Bisi snapped her fingers over her head. “How would you say such a thing? I could do without them sha”
“Then you didn’t need them. You should know how to differentiate your needs from your wants. Those things you said you bought with your allowance are not really worth it, I know they would add to your fine girl, but you are suffering for it. The things you can do without currently and they won’t affect your living are your wants, while the things that if you don’t have them, you can’t do without are your needs”
“Wants and needs, I will have to do them all later, àbí? So why not do them now? And, how do you even manage to survive with the amount they send to you from home?”
“I know you will get them eventually, but my dear, timing matters. Trying to get the things you desire might later hurt you and I think that’s why we have scale of preference, going for the things needed most first”
“To the last question, my dear, I differentiate my needs from wants ni o”
“Hmmm…So, it’s not everything I’m allowed to buy even if I can afford it?” Bisi asked, frowning at her face.
“Yes ó”
“What’s now the joy of having money when I’m not permitted to spend it the way I like? Money is for spending na. Arghh”
“Absolutely, money is there for you to get the things you desire, but you should weigh them too. Are these things necessary? On the scale of ten, what do they weigh?”
“The process to go through is even more than the money itself.” Bisi said while she chuckled.
“Yes ó. Finance is not what we should take with levity, especially as a student. Let’s talk more about it later, I have a class in the next 10 minutes. See ya later”
“Alright, thank you for your time. Bye” They both hugged as Diane departed for class.
KEYNOTE: Everything is not about if you’re able to afford it, it’s about you thinking of its effect on you and your finances in the near future. Self Control is key to financial freedom.
Written by: Awotunde Ifeoluwa Dorcas




