Maya Brooks

Smart Ways to Manage Your Allowance or Pocket Money in School “The money may be small — but the management makes the difference.” For most students in Ghana, the allowance or “pocket money” from home is usually small, irregular, and meant to cover everything — food, transport, data, books, and sometimes even rent. That’s why managing your money well in school is not just smart — it’s survival. In this blog, you’ll learn simple, practical strategies to stretch your allowance and stay financially stable throughout the semester. --- 🎯 Why Money Management Matters in School Avoid borrowing and MoMo debt traps Reduce pressure on your parents Have savings for emergencies Learn financial responsibility early Build habits for adulthood 📌 Good money habits start now, not later. --- 💡 1. Know Exactly How Much You Receive Start by being clear on your income. Ask yourself: How much do I receive monthly or per semester? Is it fixed or does it vary? Do I earn small side income (e.g., typing, brai...

  Smart Ways to Manage Your Allowance or Pocket Money in School “The money may be small — but the management makes the difference.” For most students in Ghana, the allowance or “pocket money” from home is usually small, irregular, and meant to cover everything — food, transport, data, books, and sometimes even rent. That’s why managing your money well in school is not just smart — it’s survival. In this blog, you’ll learn simple, practical strategies to stretch your allowance and stay financially stable throughout the semester. --- 🎯 Why Money Management Matters in School Avoid borrowing and MoMo debt traps Reduce pressure on your parents Have savings for emergencies Learn financial responsibility early Build habits for adulthood 📌 Good money habits start now, not later. --- 💡 1. Know Exactly How Much You Receive Start by being clear on your income. Ask yourself: How much do I receive monthly or per semester? Is it fixed or does it vary? Do I earn small side income (e.g., typing...

  Top 10 Budget-Friendly Business Ideas for Ghanaian Students “You don’t need to graduate before you start building wealth.” Being a student in Ghana isn’t easy. Fees, food, hostel, handouts — everything costs money. And sometimes, allowance from home just isn’t enough. But what if you could start a small business while in school — one that fits your schedule, grows slowly, and gives you real financial freedom? Here are 10 low-cost, student-friendly business ideas you can start with little or no capital right from campus. --- 📚 1. Notes Typing & Printing Services 📄 Many students don’t have laptops or time to type their assignments and long notes. ✅ What You Need: A laptop or borrow one Basic typing speed Access to a printer or printing shop 📌 Bonus: Offer to type and email assignments to save time for others. 💰 Startup Cost: GHS 0–200 💰 Profit: GHS 3–10 per page depending on length --- 📲 2. Airtime and Data Reselling Almost every student needs airtime and data — every sin...

 10 Simple Rules for Mastering Your Personal Finances Before 30 “Your 20s are for learning — your 30s are for earning. But it starts with mastering your money.” If you’re in your late teens or 20s, the way you handle money now can shape your future forever. You don’t need to be a millionaire yet — you just need the right habits. Here are 10 simple but powerful rules that will help you master your personal finances before you turn 30, especially if you live in Ghana or anywhere in Africa. --- ✅ Rule #1: Spend Less Than You Earn This is the golden rule. It doesn’t matter how much you earn — if you always spend more than you make, you’ll always be broke. 💡 “If your income is GHS 1,000, your lifestyle should be GHS 700 — not GHS 1,500.” 📌 Tip: Track your income and expenses weekly. Use a budgeting app or simple notebook. --- ✅ Rule #2: Build a Budget and Stick to It Budgeting is not punishment. It’s permission — to control your money instead of letting it control you. Use the 50/30/2...

 How to Start a Business in Ghana With Just GHS 300 “You don’t need millions to start — you just need a plan, GHS 300, and the will to start small.” Many young people in Ghana think they need big capital to start a business. But what if I told you that with just GHS 300, you can launch a small business that grows over time? In this blog, we’ll look at: Smart businesses to start with GHS 300 or less Realistic steps to follow Mistakes to avoid And how to grow little by little Let’s get to work. --- 🧠 Step 1: Change How You See Capital Don’t focus on what you don’t have. Focus on what you can do with what you’ve got. 📌 GHS 300 may seem small, but it can pay for: Basic tools Starter products Marketing (especially on WhatsApp and social media) What matters is consistency, not perfection. --- 💡 Step 2: Choose the Right Business (Low-Cost Ideas) Here are businesses you can start in Ghana today with 300 cedis or less: --- 1. Airtime & Data Reseller 📲 Buy and resell airtime or data ...

  Top 7 Financial Apps Every Ghanaian Should Be Using in 2025 “The future of money in Ghana is digital — and it fits in your pocket.” Gone are the days when managing money meant standing in long banking queues. Now, you can save, invest, borrow, and budget — all from your phone. In this blog, we’ll explore the top 7 financial apps in Ghana you should be using in 2025 to grow, protect, and manage your money better. --- 💡 Why Use Financial Apps? ✅ Convenience: No need to visit a bank or keep receipts ✅ Control: Track every cedi you spend ✅ Growth: Save and invest automatically ✅ Security: Keep your money safe in digital wallets Let’s dive into the best apps making waves in Ghana now. --- 📱 1. ExpressPay 🏦 Best for: Mobile money, bills, and bank transfers ExpressPay is one of Ghana’s most reliable payment platforms. It links all banks and MoMo networks in one app. ✅ Features: Send & receive MoMo or bank transfers Buy airtime and data Pay water, ECG, DSTV, GOTV, WAEC bills Book ...

  How to Save Money Consistently Even With Low Income in Ghana “You don’t need to earn big before you start saving — you need to save smart.” Saving money is tough. Saving money when you’re earning small? Even tougher. But here’s the truth: Even if you earn GHS 300 or GHS 3,000, you can still save consistently — if you’re intentional and disciplined. In this post, we’ll walk through practical ways to save money in Ghana, even on a small income. --- 💭 Why Most People Struggle to Save They believe their income is “too small” They spend without planning They wait for the “right time” to start They don’t track where their money goes They try to save what’s left — and nothing is ever left 📌 But saving doesn’t require magic. It just requires structure. --- ✅ Step 1: Change Your Money Mindset 💡 Stop saying “I can’t save.” Start saying, “I’ll save something — no matter how small.” Even GHS 1 a day becomes GHS 365 a year. And that’s just the beginning. --- ✅ Step 2: Pay Yourself First Mo...