For many of us, school taught us algebra, history, and how to write an essay—but left out one of the most important life skills: how to manage money.
It’s no surprise that many adults are left to figure out personal finance the hard way—through trial, error, and financial mistakes that could’ve been avoided.
So we asked:
What’s one thing you wish schools had taught you about money?
Here are some of the most common answers:
💡 1. How to Budget Wisely
Understanding how to plan income vs. expenses is a game-changer. A simple monthly budget can prevent overspending and help build savings—even on a small income.
💳 2. The Truth About Loans & Interest Rates
Many people don’t understand how interest works until they’re already in debt. Knowing the difference between good debt (e.g. business loans) and bad debt can make all the difference.
🏦 3. Why Saving Early Matters
Starting small and early can lead to big results. Even saving ₦1,000 a week adds up over time. Imagine if we learned this in our teens!
📉 4. How to Avoid Financial Traps
From impulse buying to unnecessary subscriptions, we all fall into spending habits that drain our wallets. Awareness is the first step to smarter decisions.
📈 5. How to Build Wealth, Not Just Earn
It’s not just about making money—it’s about making money work for you. Understanding investing, emergency funds, and financial planning should be part of every curriculum.
💬 What About You?
If there’s one money lesson you had to teach the next generation, what would it be? Drop a comment or share your story with us—we're building a community that learns and grows together.
At PayCredit, we’re not just here to offer loans—we’re here to offer knowledge, support, and tools for financial success.
