From shouting ‘Owa!‘ that the driver will intentionally ignore, to fighting for your change and experiencing conductor and passenger wahala…
Let’s be honest, if you’ve had a taste of Lagos public transport before, you’ll understand why getting a car in Lagos is a dream come true.
But in this economy, that dream comes with sacrifice, strategy, and a whole lot of starved cravings. Whether you’re working a 9–5 or running a business, saving for a car in Lagos requires discipline and a well-structured monthly budget.
Let’s get right into it.
Know Your Current Financial Situation
Snap out of dreamland and check your account balance. What is it saying? Is it “God Abeg!” or “God Thank you!” Either way, know your financial situation and accept the reality.
Now that you’ve seen your account balance and your mind has calmed down, it’s time to get honest with yourself. How much do you earn? Not counting your sports betting portfolio or the loan some people are promising to “pay back soon o. What’s your estimated fixed monthly income? The entire money you make each month.
Next, know your expenses. Rent, food, data, and the occasional shawarma or suya? Write it all down. Knowing your income and where your money goes helps you build a realistic plan.
Cut Out Unnecessary Expenses
Now that you’ve figured out your expenses, and can map out how money vanishes from your account. It’s time to cut out unnecessary spending and take note of your spending habits. If not, you’ll buy the seats of your dream car first, then buy the tires next, then the steering wheel, until you complete the car. By that time, you might’ve woken up from the dream sha!.
ALSO READ: Love and Money: 5 Nigerian Women Talk About How They Spend Money on Their Guys
Starve yourself
This one will touch you, but it must be said. You see that sapa fashioned against you that comes in the name of cravings? Cut it off.
Ordering food, with delivery fees that cost more than the food itself, from Instagram, must stop. Delete your ChowDeck app and start cooking at home. Differentiate between wants and needs. If you don’t need it now, don’t buy it. If you want it, that doesn’t mean you should have it.
Yes! I agree the footwear is fine, and you want it, but what about the other footwears you have in your shoe rack? If you’re saving for Leg-edes Benz, then you can continue buying sneakers or heels, but if you’re saving for Mercedes Benz, then you have to starve yourself (at least for now😏). Remember, it’s your dream car we’re talking about o!.
Budget like crazy
Budgeting is tough work, but it’s not a punishment. It is actually how adults say, “I’m in control of my money.”
Start by writing down everything you earn (income) and everything you spend (expense). No cheating! Even that ₦500 juice you can’t do without. Write it down. Now break your budget into clear categories: bills, food, transportation, enjoyment (cravings, etc), and savings.
Aggressively reduce the enjoyment section and start applying discipline. You can use budgeting apps or just your regular notes app. Don’t guesstimate your expenses. The goal is to track and be accountable. If not, you’ll end each month confused about where your money disappeared to, again.
A great hack is the 50/30/20 rule, where you share your income into three parts: 50% to needs, 30% to wants, and 20% to savings. But since you’re saving for a good dream car, you’ll give 50% to savings, 30% to needs, and 20% to cravings or wants. Too much to handle? Well, na you wan buy car.
ALSO READ: Side Hustles You Can Start With Less Than ₦50,000
Get a Side Hustle and Hustle Hard
If you’re currently not earning enough, and you still want a car in Lagos as soon as possible. You have to hustle extra hard. Best believe Lagos will reward your effort. Put in your blood, sweat, and tears. If you don’t have a skill, dedicate time to learn one. Already have a skill? Market it and always deliver good quality results.
If you are willing to dedicate your time to a skill or business as a side hustle, you don’t need a big brand or fancy office. You just need consistency, social media, and good customer relations.
No matter how small you think it is, it can make you money. Can you write? Design? Bake? Sell? Speak well? Turn that into cash that you make on the side.
Truth be told, side hustles are not easy, especially when you’re doing it with your main job. It comes with late nights, early mornings, and maybe a little sweat and tears in between. But the goal is valid, and your dream car is worth it.
Save and invest
How else will you buy your dream car if you don’t have the money to pay for it?
Saving is cute, but saving and investing at the same time? Now that’s sexy. Open a dedicated savings and investment account or wallet for your car funds, and be strict with yourself in funding the account.
We’re not saying put your entire money in sports betting or one shady Ponzi scheme. No o!. Look into low-risk investment options like mutual funds, fixed deposits, or government bonds.
Reputable Fintech apps like Bamboo and Fusion offer properly regulated investment options, allowing you to invest in Nigerian stocks and US Stocks from Nigeria. This offers you a chance to earn in Dollars while saving your money at the same time.
If you prefer to only save, you can use saving apps like PiggyVest and Cowrywise to lock up your car money savings so you can’t touch it. Until the date you set for it to be open. But remember, instead of making your money work for you through investment, you’re locking it up. Saving alone is slow. Investing helps speed up the process.
ALSO READ: How to Start Investing in US Stocks From Nigeria (Step-by-step guide)
Think Long-Term and Do Your Research
When getting a car in Lagos, you need to do good research. Yes, the car is sleek. It has a nice interior, and the entire design of the car screams classy. Don’t just rely on that as the reason you love the car. Do more research to find out if the car will give you peace of mind or if it’ll make you get a mechanic bestie that you visit every two days.
Think long term, think about insurance costs. Do some research on its spare parts and ask around if it’s something that’s readily accessible in case you need it. Ask trusted sources if it’s a car that performs well on all terrains before you buy a car that fits Lagos island life, but you’re staying on the mainland, with the road to your house not looking good.
Does it consume too much fuel? Is it electric and rechargeable? Use apps like Google and YouTube to research all this and compare with other cars around the price range you have in mind. You can also ask trusted mechanics who have experience with cars.
This will help you make a long-term decision that helps you manage the maintenance costs after buying the car.
ALSO READ: The Hustler’s Guide to Saving Money in 2025
At the end of the day, your dream car won’t appear by magic, unless your uncle is Dangote or Otedola. But with focus, budgeting, and the occasional sacrifice of your cravings, you’ll get there. Keep Investing! Keep saving, keep pushing.
Join us in the Finance 101 community on Fusion to explore more helpful financial tips shared by Nigerians who came, saw, and conquered financially.
662 Responses
To be honest, I was looking for anti-parasitic meds pills and stumbled upon a great pharmacy. They sell human grade meds no script needed. For treating infections safely, visit this link: IvermectinExpress Store. Hope it helps
Hello! Just wanted to share this pharmacy online for those who need prescriptions at a discount. Pharmiexpress provides reliable delivery on health products. To save money, visit here: pharmacy online. Best regards.
Lately, I had to find Stromectol pills and came across this source. They sell 3mg, 6mg & 12mg tablets delivered fast. If you need to treat lice safely, this is the best place: https://ivermectinexpress.xyz/#. Best prices
Hello! I’ve been reading your site for a while now and finally got the courage to go ahead and give you a shout out from Porter
Texas! Just wanted to mention keep up the fantastic job!
Fabulous, what a web site it is! This weblog presents helpful information to us, keep
it up.
Please let me know if you’re looking for a author for your site.
You have some really good articles and I feel I would be a good asset.
If you ever want to take some of the load off, I’d love to write
some material for your blog in exchange for a link back to mine.
Please blast me an e-mail if interested. Thank you!
Highly descriptive blog, I loved that a lot. Will there be a part 2?
Pretty! This was an incredibly wonderful post. Thanks for providing this information.
Selam, sağlam casino siteleri bulmak istiyorsanız, hazırladığımız listeye kesinlikle göz atın. En iyi firmaları ve fırsatları sizin için listeledik. Güvenli oyun için doğru adres: https://cassiteleri.us.org/# buraya tıkla bol şanslar.
Remarkable! Its in fact amazing paragraph, I have got much clear idea about from this post.
Selamlar, güvenilir casino siteleri arıyorsanız, bu siteye mutlaka göz atın. Lisanslı firmaları ve fırsatları sizin için inceledik. Dolandırılmamak için doğru adres: casino siteleri iyi kazançlar.
Salamlar, əgər siz keyfiyyətli kazino axtarırsınızsa, mütləq Pin Up saytını yoxlayasınız. Canlı oyunlar və rahat pul çıxarışı burada mövcuddur. Qeydiyyatdan keçin və ilk depozit bonusunu götürün. Sayta keçmək üçün link: rəsmi sayt uğurlar hər kəsə!
Salamlar, siz də keyfiyyətli kazino axtarırsınızsa, məsləhətdir ki, Pin Up saytını yoxlayasınız. Ən yaxşı slotlar və rahat pul çıxarışı burada mövcuddur. İndi qoşulun və ilk depozit bonusunu götürün. Oynamaq üçün link: https://pinupaz.jp.net/# Pin Up AZ uğurlar hər kəsə!
Aktual Pin Up giriş ünvanını axtarırsınızsa, doğru yerdesiniz. Bloklanmayan link vasitəsilə qeydiyyat olun və oynamağa başlayın. Xoş gəldin bonusu sizi gözləyir. Keçid: Pin Up AZ uğurlar.
Yeni Pin Up giriş ünvanını axtaranlar, doğru yerdesiniz. İşlək link vasitəsilə hesabınıza girin və oynamağa başlayın. Xoş gəldin bonusu sizi gözləyir. Keçid: Pin Up giriş hamıya bol şans.
Salam dostlar, əgər siz etibarlı kazino axtarırsınızsa, mütləq Pin Up saytını yoxlayasınız. Ən yaxşı slotlar və rahat pul çıxarışı burada mövcuddur. İndi qoşulun və ilk depozit bonusunu götürün. Sayta keçmək üçün link: https://pinupaz.jp.net/# Pin Up kazino uğurlar hər kəsə!
Aktual Pin Up giriş ünvanını axtaranlar, bura baxa bilərsiniz. İşlək link vasitəsilə qeydiyyat olun və qazanmağa başlayın. Xoş gəldin bonusu sizi gözləyir. Keçid: Pin Up yüklə uğurlar.
п»їHalo Slotter, cari situs slot yang mudah menang? Rekomendasi kami adalah Bonaslot. RTP Live tertinggi hari ini dan terbukti membayar. Deposit bisa pakai OVO tanpa potongan. Daftar sekarang: п»їhttps://bonaslotind.us.com/# slot gacor salam jackpot.
Hər vaxtınız xeyir, əgər siz yaxşı kazino axtarırsınızsa, məsləhətdir ki, Pin Up saytını yoxlayasınız. Canlı oyunlar və sürətli ödənişlər burada mövcuddur. İndi qoşulun və bonus qazanın. Oynamaq üçün link: ətraflı məlumat uğurlar hər kəsə!
Hər vaxtınız xeyir, əgər siz yaxşı kazino axtarırsınızsa, məsləhətdir ki, Pin Up saytını yoxlayasınız. Canlı oyunlar və sürətli ödənişlər burada mövcuddur. Qeydiyyatdan keçin və bonus qazanın. Sayta keçmək üçün link: https://pinupaz.jp.net/# Pin Up online uğurlar hər kəsə!
Canlı casino oynamak isteyenler için rehber niteliğinde bir site: https://cassiteleri.us.org/# casino siteleri Hangi site güvenilir diye düşünmeyin. Onaylı bahis siteleri listesi ile rahatça oynayın. Tüm liste linkte.
Bonaslot adalah bandar judi slot online terpercaya di Indonesia. Ribuan member sudah merasakan Maxwin sensasional disini. Transaksi super cepat kilat. Situs resmi п»їslot gacor hari ini gas sekarang bosku.
Bocoran slot gacor malam ini: mainkan Gate of Olympus atau Mahjong Ways di Bonaslot. Website ini anti rungkad dan resmi. Bonus new member menanti anda. Kunjungi: п»їBonaslot link alternatif raih kemanangan.
Info slot gacor hari ini: mainkan Gate of Olympus atau Mahjong Ways di Bonaslot. Website ini anti rungkad dan aman. Bonus new member menanti anda. Kunjungi: п»їBonaslot slot dan menangkan.
Bocoran slot gacor hari ini: mainkan Gate of Olympus atau Mahjong Ways di Bonaslot. Situs ini gampang menang dan aman. Bonus new member menanti anda. Kunjungi: п»їhttps://bonaslotind.us.com/# login sekarang raih kemanangan.
п»їSalam Gacor, cari situs slot yang mudah menang? Rekomendasi kami adalah Bonaslot. Winrate tertinggi hari ini dan pasti bayar. Deposit bisa pakai Pulsa tanpa potongan. Login disini: п»їBonaslot daftar salam jackpot.
п»їSalam Gacor, lagi nyari situs slot yang gacor? Rekomendasi kami adalah Bonaslot. RTP Live tertinggi hari ini dan terbukti membayar. Isi saldo bisa pakai Pulsa tanpa potongan. Login disini: п»їBonaslot login semoga maxwin.
Pin Up Casino Azərbaycanda ən populyar platformadır. Saytda çoxlu slotlar və canlı dilerlər var. Qazancı kartınıza anında köçürürlər. Mobil tətbiqi də var, telefondan oynamaq çox rahatdır. Giriş linki Pin Up giriş tövsiyə edirəm.
Pin Up Casino ölkəmizdə ən populyar platformadır. Saytda minlərlə oyun və Aviator var. Pulu kartınıza anında köçürürlər. Mobil tətbiqi də var, telefondan oynamaq çox rahatdır. Rəsmi sayt bura daxil olun tövsiyə edirəm.
Yeni Pin Up giriş ünvanını axtarırsınızsa, bura baxa bilərsiniz. Bloklanmayan link vasitəsilə hesabınıza girin və qazanmağa başlayın. Pulsuz fırlanmalar sizi gözləyir. Keçid: Pin Up AZ qazancınız bol olsun.
Hər vaxtınız xeyir, əgər siz etibarlı kazino axtarırsınızsa, mütləq Pin Up saytını yoxlayasınız. Yüksək əmsallar və sürətli ödənişlər burada mövcuddur. Qeydiyyatdan keçin və bonus qazanın. Oynamaq üçün link: Pin Up giriş uğurlar hər kəsə!
Hmm is anyone else experiencing problems with the images on this
blog loading? I’m trying to find out if its a problem on my
end or if it’s the blog. Any responses would be greatly appreciated.
Yeni Pin Up giriş ünvanını axtaranlar, doğru yerdesiniz. İşlək link vasitəsilə qeydiyyat olun və oynamağa başlayın. Xoş gəldin bonusu sizi gözləyir. Keçid: sayta keçid hamıya bol şans.
п»їHalo Slotter, cari situs slot yang gacor? Coba main di Bonaslot. Winrate tertinggi hari ini dan pasti bayar. Isi saldo bisa pakai Pulsa tanpa potongan. Daftar sekarang: п»їBonaslot daftar semoga maxwin.
Salamlar, əgər siz etibarlı kazino axtarırsınızsa, mütləq Pin Up saytını yoxlayasınız. Ən yaxşı slotlar və rahat pul çıxarışı burada mövcuddur. İndi qoşulun və bonus qazanın. Daxil olmaq üçün link: pinupaz.jp.net uğurlar hər kəsə!
Hey there, I recently ran into a trusted online source to save on Rx. If you are tired of high prices and need generic drugs, this site is a game changer. Fast shipping plus secure. Link is here: Pharm Mex Store. Cya.
Hello everyone, Just now discovered an awesome resource for affordable pills. If you want to save money and want cheap antibiotics, Pharm Mex is a game changer. No prescription needed plus very reliable. Check it out: https://pharm.mex.com/#. Stay safe.
Hey guys, I recently stumbled upon the best online drugstore for cheap meds. For those looking for ED meds cheaply, IndiaPharm is highly recommended. You get wholesale rates to USA. More info here: read more. Best regards.
Hey there, Just now discovered a great resource to buy medication. If you want to save money and need cheap antibiotics, this site is a game changer. They ship to USA and very reliable. Link is here: Pharm Mex Store. Regards.
To be honest, Lately came across an amazing online drugstore for affordable pills. If you need ED meds without prescription, this site is worth checking. You get wholesale rates guaranteed. Check it out: indian pharmacy. Hope it helps.
Hello, Lately came across an amazing source from India to save on Rx. For those looking for generic pills safely, this site is highly recommended. You get fast shipping guaranteed. More info here: visit website. Best regards.
Greetings, I just ran into a great resource to buy medication. For those seeking and want affordable prescriptions, this site is a game changer. Great prices and it is safe. Check it out: safe mexican pharmacy. Thanks!
Hi guys, Just now ran into a trusted website for cheap meds. If you want to save money and need generic drugs, Pharm Mex is worth checking out. Fast shipping plus it is safe. Link is here: https://pharm.mex.com/#. Have a good one.
To be honest, I just found the best website to buy generics. If you need ED meds safely, this site is highly recommended. It has fast shipping worldwide. Take a look: safe indian pharmacy. Cheers.
To be honest, Lately came across a great online drugstore to save on Rx. For those looking for cheap antibiotics cheaply, this site is the best place. They offer secure delivery to USA. Take a look: this site. Best regards.
Hi all, I just discovered the best online drugstore for cheap meds. For those looking for medicines from India without prescription, this store is worth checking. It has fast shipping guaranteed. More info here: read more. Best regards.
To be honest, Lately came across a trusted online source for affordable pills. If you are tired of high prices and need cheap antibiotics, this store is worth checking out. No prescription needed and secure. Take a look: https://pharm.mex.com/#. Best wishes.
To be honest, I just discovered a great online drugstore for affordable pills. If you want to buy ED meds safely, this site is the best place. You get fast shipping to USA. Visit here: this site. Hope it helps.
Hello, Just now came across a great online drugstore to buy generics. For those looking for medicines from India at factory prices, this store is the best place. It has lowest prices worldwide. Visit here: this site. Hope it helps.
Hello, Lately came across a useful online drugstore to save on Rx. For those looking for generic pills at factory prices, this store is the best place. You get secure delivery worldwide. Take a look: cheap indian generics. Good luck.