How Would You Budget a ₦200,000 Monthly Salary?

If I earned ₦200,000 monthly, I would avoid spending it all simply because it came in. My budget would be: ₦100,000 for essentials such as food, transport, bills and data; ₦40,000 for emergency savings; ₦30,000 for courses, books and skills; ₦20,000 for investments that match my risk level; and ₦10,000 for enjoyment. The aim is not to suffer in the name of financial discipline. It is to avoid letting lifestyle expenses consume all my income. The same principle can work at different income levels: spend intentionally, save consistently and invest in increasing your earning power. How would you divide a monthly income of ₦200,000?

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