Maya Brooks

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 Avoid These 10 Money Mistakes Most Ghanaian Students Make “A little money mistake now can cost you big time later.” Being a student in Ghana means living on a tight budget, limited support from home, and endless expenses. Unfortunately, many students make small money mistakes that build up into big financial problems. Whether you’re in SHS, college, or university — these are the top 10 common money mistakes Ghanaian students make, and how to avoid them. --- ❌ 1. Spending Without a Budget 📉 Problem: Many students receive their allowance and start spending without planning. By Week 2, they're broke. ✅ Solution: Create a simple budget at the beginning of every month or semester. Know exactly how much is for: Food Data Transport Personal care Savings 📌 “Budgeting is telling your money where to go, instead of wondering where it went.” --- ❌ 2. Living Above Your Means 📉 Problem: Trying to “keep up” with friends — buying expensive clothes, ordering food daily, or partying every weeken...

  "How to Save Money on a Low Income in Ghana" (This topic is highly relevant, helpful, and AdSense-friendly) --- 📝 Full Blog Post Draft Title: How to Save Money on a Low Income in Ghana Content: > Saving money can feel impossible when your income is low — especially with rising prices, school fees, food, transport, and bills in Ghana. But with the right strategies and discipline, it's possible to build savings even on a small salary. Here are 7 practical tips to help you start saving money on a low income: --- 1. Create a Simple Budget > Start by writing down your monthly income and expenses. Know exactly how much you earn and where your money goes. Use a notebook or a free budget app. ✅ Focus on essentials first: rent, food, school fees, transport. ❌ Cut back on impulse buys and "wants" like unnecessary airtime, eating out, or weekend spending. --- 2. Save Before You Spend (Pay Yourself First) > The moment you receive money, save a small portion imme...

 10 Things Broke Students Waste Money On Without Realizing “Being broke isn’t always about low income — sometimes it’s about poor choices.” If you’ve ever said, “I don’t know where my money went”… this blog is for you. Many students in Ghana live on tight allowances — GHS 100, GHS 200, sometimes nothing. But you’d be surprised how much of that money gets wasted on small things you don’t even track. Here are 10 common ways students waste money without realizing — and how to stop. --- 🚫 1. Daily Snacks and Impulse Foods That meat pie, fried yam, kelewele, or chilled bottle of Coke? It seems small — GHS 3 here, GHS 5 there. But multiply that by 20 days: 📉 GHS 5 x 20 = GHS 100 That’s half your allowance… gone in snacks. Fix it: Set a snack limit (e.g., GHS 20/week) Buy groceries and cook in bulk Carry water and avoid emotional hunger --- 🚫 2. Unused Subscriptions You subscribe to MTN daily bundles, get Netflix or Showmax, then don’t use it fully? Or worse, you renew it out of habit ...

How to Build a Monthly Budget as a Student (Even If You’re Broke) “You don’t need more money — you need a better plan.” Are you tired of asking, “Where did my money go?” Do you find yourself broke two weeks after getting your allowance or MoMo from home? You’re not alone — and budgeting is your solution. In this blog, I’ll show you how to create a realistic monthly student budget — even if you’re living on GHS 100 or less. --- 🎯 Why You Need a Budget as a Student Budgeting helps you: Avoid borrowing before the month ends Prioritize essentials (food, data, transport) Plan your savings and small hustles Stay disciplined with your spending Prepare for emergencies 📌 No matter your income, you can budget. --- 🧮 Step-by-Step: How to Create Your Student Budget --- ✅ Step 1: Know Your Total Income Start by writing down everything you earn in a month: Source Amount Allowance from parents GHS 150 Side hustle (e.g., snacks) GHS 100 Occasional MoMo help GHS 50 Total Monthly Income GHS 300 📌 Be...

 10 Things Broke Students Waste Money On Without Realizing “Being broke isn’t always about low income — sometimes it’s about poor choices.” If you’ve ever said, “I don’t know where my money went”… this blog is for you. Many students in Ghana live on tight allowances — GHS 100, GHS 200, sometimes nothing. But you’d be surprised how much of that money gets wasted on small things you don’t even track. Here are 10 common ways students waste money without realizing — and how to stop. --- 🚫 1. Daily Snacks and Impulse Foods That meat pie, fried yam, kelewele, or chilled bottle of Coke? It seems small — GHS 3 here, GHS 5 there. But multiply that by 20 days: 📉 GHS 5 x 20 = GHS 100 That’s half your allowance… gone in snacks. Fix it: Set a snack limit (e.g., GHS 20/week) Buy groceries and cook in bulk Carry water and avoid emotional hunger --- 🚫 2. Unused Subscriptions You subscribe to MTN daily bundles, get Netflix or Showmax, then don’t use it fully? Or worse, you renew it out of habit ...