Open & Refresh Links Open & Refresh Links 1) Paste your links (comma-separated). 2) Click Open & Refresh . Browser will open many tabs (allow pop-ups). 3) Each opened tab will reload every 30 seconds . Your links (comma-separated): Open per batch Opening too many at once may be blocked. 60 is a safe max. Gap between batches (ms) Short pause helps bypass popup blockers. Refresh every (sec) Open & Refresh
How to Start Investing in Ghana with Little Money
- Get link
- X
- Other Apps
Mischief
Maya Brooks
How to Start Investing in Ghana with Little Money
“Investment is not for the rich. It’s for the smart — even if they start small.”
Many Ghanaians think investing is only for people who have thousands of cedis lying around. That’s a big myth.
The truth is:
You can start investing with as little as GHS 20 or even GHS 5.
And the earlier you start, the better your chances of building wealth.
So how do you begin?
Let’s break it down.
---
💡 What Is Investing?
Investing simply means putting your money into something that will grow and give you returns over time.
It’s different from saving — saving keeps your money safe.
Investing makes your money grow.
📌 Example:
Saving GHS 100 = still GHS 100 in a year
Investing GHS 100 in the right place = maybe GHS 115–150 in a year
---
💡 Why You Should Start Now — Even with Little
Time builds wealth: The earlier you start, the more your money grows
Small becomes big: GHS 5 weekly = GHS 260 in a year
Opportunities find prepared people: Investors get ahead
Don’t wait till you “earn big.”
Start now with what you have.
---
🔑 5 Easy Ways to Start Investing in Ghana (With Little Money)
---
1. Mutual Funds
Mutual funds are like group investments managed by professionals.
You put in small money, and they invest it in stocks, bonds, etc.
✅ Start with as little as GHS 50
✅ Managed by top financial firms like Databank, EDC, Stanbic, etc.
Popular options:
Databank MFund (safe and steady)
EDC Fixed Income Fund
Stanbic Income Fund
📌 You can invest monthly with MTN Mobile Money.
---
2. Treasury Bills (T-Bills)
T-Bills are short-term investments backed by the government.
✅ Safe
✅ Guaranteed returns
✅ Start from GHS 100
You earn interest over a fixed period (91, 182, or 364 days).
You can register through:
Banks (like GCB, Fidelity)
MTN MoMo (dial *170# > Financial Services > Investment)
📌 T-Bills are great for beginners who want safety and growth.
---
3. Buy and Sell Small Items
Yes, business is also investing — and it can start small.
✅ Buy items in bulk (soap, snacks, thrift clothes)
✅ Resell in your area or online
✅ Reinvest profits to grow
Even GHS 20–50 can start a small resale hustle.
The goal? Make your money multiply.
---
4. Invest in Yourself
No investment beats self-growth.
✅ Learn a skill: Graphic design, baking, coding, makeup
✅ Take a course: Free/affordable ones on YouTube, Udemy, Coursera
✅ Read: Buy a GHS 20 personal finance book
The returns? Higher income, better confidence, bigger future.
---
5. Agricultural Crowd-Investing Platforms
Some apps allow you to invest in farms and share profits when crops are sold.
Examples:
GrowForMe
AgroCenta
TroTro Tractor
⚠️ Always research first. Some platforms may carry risks.
---
💡 Tips for First-Time Investors in Ghana
1. Start Small and Grow
Don’t wait till you have GHS 1,000. Start with GHS 20 or GHS 50.
2. Be Consistent
Invest monthly. Even small contributions add up.
3. Don’t Invest in What You Don’t Understand
Ask questions. Read. Learn before you invest.
4. Avoid Get-Rich-Quick Schemes
If someone promises double returns in 2 days — it’s probably a scam.
5. Have a Goal
Why are you investing? To build a house? Start a business? Retire early?
Knowing your goal keeps you focused.
---
💬 Real Example:
Kwame earns GHS 800/month.
He saves GHS 50/month in a mutual fund
He also reinvests profits from selling T-shirts
In 1 year, he has over GHS 1,200 in investments
He started small — but stayed consistent
You can do it too.
---
🧠 Final Words:
You don’t need to be rich to invest.
You need to be wise — and willing to start now.
💬 “Don’t wait for the perfect time. Wealth is built from small, smart steps.”
Choose one method above.
Start with just GHS 10–50.
Repeat monthly.
Your future self will thank you.
---
📸 Suggested Image:
Search Pexels for:
“Ghanaian investor”, “young African with phone and money”, “saving and investing”
---
🏷️ Suggested Blogger Tags:
how to invest in Ghana, small money investment, mutual funds Ghana, personal finance, beginner investing
- Get link
- X
- Other Apps
Popular posts from this blog
Top Passive Income Ideas That Actually Work in 2025
Mischief
Maya Brooks
Imagine waking up in the morning and discovering you've made money while you were asleep. That’s the beauty of passive income — earning without actively working every minute. In 2025, creating multiple income streams is no longer a luxury for the rich. It's a necessity for anyone who wants financial stability and freedom. Passive income doesn’t mean “easy money” or “do nothing and get rich.” It means setting up systems or assets once, and earning from them repeatedly with minimal daily effort. Whether you’re a student, full-time worker, or entrepreneur, there’s something on this list for you. This article breaks down realistic, proven passive income ideas that require low to zero capital to start — especially in Africa, Asia, or anywhere people think opportunities are limited. Ready to stop trading hours for money? Let’s explore passive income streams that work — no hype, no scams, just smart hustle. --- ✅ 1. Sell Digital Products Digital products are a top passive income sourc...
10 Simple Money Habits That Can Make You Rich in Ghana
Mischief
Maya Brooks
10 Simple Money Habits That Can Make You Rich in Ghana It’s not about luck. It’s about your daily habits. Many Ghanaians believe that wealth comes from huge jobs, politics, or inheritance. But most rich people started with nothing but good money habits. In this blog, I’ll show you 10 simple habits that can help you build wealth — even if you earn a small income today. --- 💰 1. Track Every Cedi You Spend If you don’t know where your money is going, you’ll always wonder where it went. Start by tracking your daily expenses — airtime, food, MoMo fees, even that GHS 2 waakye. ✅ Use: A notebook A budgeting app Google Sheets 📌 Awareness is step one to taking control of your money. --- 💰 2. Pay Yourself First Before you pay bills, buy food, or send MoMo to anyone — pay yourself first. That means putting something into your savings or investment account before anything else. Even GHS 5 per day adds up to GHS 1,825 per year! --- 💰 3. Set Monthly Financial Goals People who have money se...
How to Save Money Even When You Earn Small in Ghana
Mischief
Maya Brooks
How to Save Money Even When You Earn Small in Ghana “My money is not enough to save” — we’ve all said it. But it’s time to change that thinking. In Ghana today, many people earn less than they need. Whether it’s GHS 300, GHS 800, or even GHS 1,200 per month, it feels like the money finishes before the month ends. So the big question is: How do you save when your income is small? The truth is, you can save — if you’re intentional. Let’s show you how. --- 💡 1. Change Your Mindset First Before saving starts in your wallet, it must start in your mind. Stop saying: > “I will save when I earn more.” Start saying: > “I will save from what I have now, no matter how small.” Rich people save before they become rich — not after. --- 💡 2. Save First, Spend What’s Left Most people spend everything, then try to save the leftovers. But there are never leftovers. ✅ Do this instead: The moment you receive your money (salary, MoMo, profit), remove your savings first. Even GHS 5 a day = GHS...
Mischief
Maya Brooks
How to Build a Monthly Budget as a Student (Even If You’re Broke)
Mischief
Maya Brooks
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
Mischief
Maya Brooks
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 ...
10 Things Broke Students Waste Money On Without Realizing
Mischief
Maya Brooks
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 Save Money on a Low Income in Ghana"
Mischief
Maya Brooks
"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...
How to Build a Monthly Budget as a Student (Even If You’re Broke)
Mischief
Maya Brooks
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...
Avoid These 10 Money Mistakes Most Ghanaian Students Make
Mischief
Maya Brooks
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...
Comments
Post a Comment