A Simple 90-Day Plan Helps Nigerian Tenants Get Their Rent Ready Before the Deadline — Even When Salary Finishes Before the Month Does

Let me guess how your month goes.

Salary lands. The alert sounds. For about ten minutes, you feel like someone who has life figured out.

Then the transfers begin. Data. Transport. Light. The “small something” you promised your mum. That owambe you really couldn’t miss.

By the 18th, you’re counting.

By the 24th, you’re standing at a POS stand doing mental maths… “If I send this now, will it enter before the food finishes?”

And all this time, there’s a number sitting quietly at the back of your mind.

Your rent.

It’s not due today. It’s not due this month. So you push it away.

But it is coming. It always comes. And in Nigeria, rent rarely arrives in small, friendly pieces. It comes as one big amount, sometimes with agent fees and other extras attached.

“I earn a salary. So why do I still feel broke?”

“How am I going to find this money when the time comes?”

You’ve probably told yourself, “Next month, I’ll start.” And next month showed up with its own emergencies.

If that’s you, hear this: you are not lazy, and you are not bad with money. You’ve simply never been handed a plan built for how life actually works here.

Give me five minutes and read this to the end. It could change how the next 90 days go.

Because I’m about to walk you through a simple 90-day plan that turns “I’ll figure it out later” into a clear, step-by-step path toward having your rent ready.

The idea behind it isn’t new. It’s what tenants who never seem to panic about rent quietly do: they know their number, they stop the small leaks, they save in small, planned steps, and they speak to their landlord early instead of late.

Our parents’ generation had ajo and esusu: small, regular contributions toward one big goal. The principle still works. What has changed is where our money leaks. Today it slips out through data plans, quick transfers, delivery apps and subscriptions we forgot about.

So we built a plan for that.

Hi, we’re Funmi Ogayemi. And the first thing you should know about us is that we are NOT a bank, an investment company or licensed financial advisers. We’re just a small team that got tired of watching hardworking people dread the rent date.

Meet Tolu. She’s made up, but you’ll know her.

Tolu is 29. She works in an office on the Lagos mainland and rents a one-bedroom flat she genuinely loves.

Every month, her salary comes in on time. Every month, it disappears before the month ends. She isn’t reckless. She just can’t say where it goes.

The message that changed her mood

One evening in September, a message came in from her landlord: “Good evening, please note your rent is due for renewal in three months. The new figure is higher than last year.”

She read it standing in the kitchen. She replied with a thumbs-up emoji.

Then she sat on the edge of her bed and felt her stomach drop.

What it cost her (and it wasn’t only money)

For the next two weeks, Tolu was not herself.

She snapped at her sister over small things. She stopped answering unknown numbers in case it was the agent. She scrolled through her friends’ pictures and thought, “Everybody else seems fine. What is wrong with me?”

At night, she’d lie there running numbers in her head that never added up.

The breaking point

Then the landlord’s agent sent a voice note. Polite, but clear: “Madam, we just want to confirm you’ll be renewing, so we can plan.”

Tolu typed, “Yes sir, no problem.”

And immediately felt sick. Because she had no plan at all. She had just promised something she had no idea how to deliver.

The advice she never forgot

The next day, she told a senior colleague, Aunty Bisi, everything. Aunty Bisi listened, then said something Tolu wrote in her notes app:

What Tolu tried first (and why none of it worked)

Tolu didn’t jump straight to a plan. Like most of us, she tried the easy things first.

1. Waiting to save “whatever is left.” Nothing was ever left. When saving comes last, it doesn’t happen.

2. Opening a savings app with no target. Without a number and a date, every small emergency felt like a good reason to withdraw.

3. Copying a budget spreadsheet from the internet. It was built for a different country and a different life. It had no place for yearly rent, family support or the “Nigeria tax” of generators and last-minute transfers.

4. Cutting everything for one week. No suya, no Bolt, no anything. By Friday she was exhausted and by Saturday she’d overspent to “reward” herself.

5. Thinking about borrowing to “top up” later. All that does is swap one stress for another.

6. Hoping extra income would fix it. More money going into the same leaking bucket doesn’t fill the bucket.

Notice the pattern? None of these gave her a clear number, a clear list of leaks, a clear schedule, or a clear plan for talking to her landlord.

The plan Tolu finally sat down and followed

On a quiet Sunday, Tolu took a pen and wrote out what Aunty Bisi had said in plain steps:

• First, know the real number. Not “about that much.” The actual figure and the actual date.
• Second, find the leaks. Not to punish herself, just to see what was quietly draining her salary.
• Third, save in small steps that are scheduled. Not “when I can,” but on specific dates.
• Fourth, talk to the landlord early. Before he chased her, not after.

She laughed a little. “This is too simple. It can’t be this simple.”

But she started anyway.

The first few days felt silly

Writing down every small spend felt tedious. In the first week, she wanted to quit twice. “What is the point of writing down a ₦300 snack?”

But she kept going. Because for the first time in months, she was doing something instead of just worrying.

The moment the fog lifted

Around the second week, Tolu looked at her list of spending leaks and saw them properly for the first time. Not a mystery. Not “the economy.” Specific, ordinary habits she could actually change.

She said later that it felt like a heavy bag coming off her shoulders. Nothing magical had happened to her salary. But the panic had been replaced by a plan.

The real test: the landlord conversation

By the time the renewal date got closer, Tolu did something she’d never done before. She called her landlord first.

She told him calmly what her plan was and when she expected to be ready. There was a short pause on the line.

“Ah, madam, you’re very organised,” he said. “That’s what we like to see.”

She hung up and let out a breath she felt she’d been holding for three months.

So we put the whole plan in one place

Tolu’s Sunday plan was a good start. But we knew most people would need more than four lines on a page. They’d need the actual tools: the calculator, the checklist, the calendar, and the words to say to their landlord.

So we built them, and packaged everything into one simple workbook.

The full plan. The tools. The steps. Laid out across 90 days, so you’re never staring at a blank page wondering where to start.

Introducing…

The 90-Day Rent Readiness Workbook

The Rent Ready Method: a 90-day plan to ease rent panic and work toward having your rent ready before the deadline.

What is inside the workbook

Inside this instant-download PDF workbook (45+ pages), you’ll find:

• The Rent Goal Calculator. Work out your real rent number, not a rough guess, and turn it into a target you can actually chase.
• The Spending Leak Checklist. Spot the small, repeated spending habits (the ones you don’t even notice) that quietly eat your salary. No need to give up everything you enjoy.
• The 90-Day Savings Calendar. Break your goal into small, scheduled steps across 90 days, so you always know what to do next.
• The Landlord Conversation Scripts. Word-for-word ideas for what to say and how to say it, so you can raise the rent conversation early and calmly.
• A guided 3-phase plan (3 x 30 days). Phase 1 helps you get clear. Phase 2 helps you build steady habits. Phase 3 helps you get rent-ready and prepare for the landlord conversation.
• Easy to use anywhere. Read it on your phone, or print the pages and write on them.

And the best part? You don’t need to be good with numbers, download another app, or have a perfect month first. It’s a simple, structured plan. Just follow it one step at a time.

Is this workbook for you?

It’s a good fit if…

• You’re a Nigerian tenant, roughly 25 to 40, with a rent deadline coming up.
• Your salary finishes before the month does, and you can’t say exactly where it went.
• You want a clear step-by-step plan rather than vague advice.
• You’re willing to spend a few minutes at a time working through it.

It’s probably not for you if…

• You’re looking for a get-rich-quick scheme or investment tips.
• You want someone to do the work for you. This is a workbook, and you have to fill it in.
• You need personal financial or legal advice. This is a self-help tool, not professional advice.

What you get today

• The full 90-Day Rent Readiness Workbook (PDF, 45+ pages)
• The Rent Goal Calculator
• The Spending Leak Checklist
• The 90-Day Savings Calendar
• The Landlord Conversation Scripts
• Instant download after payment, so you can start today

Think about what a stressful rent season costs you in sleepless nights, last-minute scrambling and awkward conversations. This workbook exists to help you avoid the worst of that.

What happens when you click the button

• Step 1: You’re taken to our secure checkout page on Selar, where you’ll see the payment options available.
• Step 2: Once your payment goes through, your download is available straight away. No waiting for anyone to reply.
• Step 3: Open the workbook on your phone or print it, and start Phase 1 today.

Questions people ask before buying

You have two choices right now

The clock is ticking, and the good news is that 90 days is enough time to build a plan.