How I used PiggyVest to safe my house rent without losing my mind ( on my Jollof Budget)
Let me paint a picture for you:
It’s December 28th, I’m sipping chilled Zobo at a friend’s estate’s December party, suddenly my landlord’s message hits my phone like a slap from my village people. “Rent is due January 5th.” Suddenly, the jollof in my mouth tastes like sawdust. That day, I vowed: never again to be caught off guard.
I remember my sister-in-law spoke about a savings app. Luckily, I still had our conversation on WhatsApp Messenger, so I checked, and wow, I found it. PiggyVest house rent savings plan
I entered PiggyVest, the financial bestie I never knew I needed.
If you’re anything like me – a certified champion of impulse buying, Konga, Jumia and other online vendor adverts on Facebook, Instagram does not make it easy for anyone, lover of shawarma gather here, and a proud “I’ll start saving next month” preacher – then this post is for you. I’m going to spill the honest tea on how I went from broke in January to fully sorted with rent money, using Piggy Vest. Yes, there were tears. Yes, I almost withdrew my savings to send to the village people, as if they had an idea of how much I was saving, and they always ask for the exact amount. Yes, I almost used it for motivational preachers who ask for our funds without inspiration from God. Yes, I mostly used it for charity, especially our manipulative friends that always reach out when they are looking for something. But I made it.
Ready to learn How I used PiggyVest to safe my house rent? Let’s go.
Step 1: Face Your Financial Reality (A.k.a Cry a Little)
First things first, I had to accept that my annual rent wasn’t going to pay itself. I calculated my rent, added a buffer for possible rent increases, and divided it by 12 months.
Add a little extra each month. That way, if your landlord suddenly becomes a mathematician and increases the rent, you won’t be caught begging your WhatsApp contacts for 5k, imagine how embarrassing that could be as a big timer.
So, let’s say your rent is ₦600,000. That’s ₦50,000 per month. Simple in theory. Painful in practice. But necessary.
Step 2: Sign Up and Set Up Your PiggyVest Account
If you don’t have a Piggy Vest account yet, what are you waiting for? It takes 5 minutes, and the app is smoother than your crush’s Instagram game.
Once you sign up:
- Verify your account.
- Link your bank.
- Set a savings goal (Mine is called “Landlord Wahala-Fees 2025”).
Step 3: Choose Your Weapon – I Mean, Saving Plan
PiggyVest has several saving options, each with its own personality. Here’s how I used each one to beat my financial demons:
- Piggybank (Automated Savings)
This one is the MVP. I set a fixed amount (₦20,000 every Monday) to be automatically deducted from my account. Whether I’m sleeping, eating suya, which I will not advise, or binge-watching Netflix, Piggy Vest is collecting and keeping that money for you.
Why it works: It removes the human error. (a.k.a me deciding that I “deserve” to keep the money for a new pair of sneakers, a dress, a drink, etc.)
- SafeLock (The No-Temptation Zone)
Let me be honest – SafeLock saved me from myself. It lets you lock funds away until a specific date. No withdrawals until your due date. No drama, especially that family call that keeps coming, and knowing that you have money somewhere, don’t worry, no one will die, life has a way of fixing itself.
What I did: Every quarter, I SafeLocked a bulk sum like ₦50,000. I pretended it didn’t exist. When the urge came to unlock it for that impromptu beach trip or whatever it looks like, PiggyVest simply says, “Oga rest.”
- Target Savings (My Rent Squad)
I created a rent goal in Target Savings and invited my accountability partners – aka my fellow broke besties, I know no more free launch, we die together. We are all committed to saving monthly for our respective rents. The shame of being the only one not meeting the target is enough motivation, I will tell you why it is better than office contribution.
PiggyVest rewards you with interest! So, while I’m saving, I’m also making money. Passive income, baby! Tell me if your monthly contribution is doing the same when you collect your own month.
- Flex Naira (My Backup Boo better than side chic)
This is where my interest lies. Also, any small bonus or unexpected cash I get, I was now minding not to keep saying “keep the change”, I dump it here. It’s my little emergency buffer. I once used it to fix a leaking tap and still had enough left for plantain and chicken for dinner.
Step 4: Automate Like a Lazy Genius
The beauty of PiggyVest? You can set it and forget it.
I scheduled all deductions to happen early in the morning when I’m too sleepy to argue. That way, by the time I wake up, the money is gone, I don’t want to hear the story. Painful? Yes. Effective? Absolutely.
Name your goals something dramatic. Mine include:
- “Rent or Street”
- “Avoid Landlord Eyes”
- “My Room, My Rules”
It helps me stay motivated and laugh through the struggle. List yours in the comment section.
Step 5: Track Progress and Celebrate Milestones
Nothing slaps harder than checking your PiggyVest and seeing you’re 75% close to your goal. I do a little happy dance and reward myself with puff-puff (budget-friendly celebration), not party oh.
PiggyVest gives detailed insights and weekly emails to show how you’re doing. It’s like a financial fitness tracker, not only your smart watch’ 10,000-step indicator. Seeing the numbers go up gives me the same joy as seeing my crush text back all the time.
Step 6: Withdraw Like a Boss (At the Right Time!)
Fast forward to the rent week. While others were hustling or negotiating with their landlord like it’s a Nollywood scene, I calmly withdrew my rent savings and paid in full.
No borrowing. No panic. No tears.
It was a beautiful day. My landlord even smiled (he never smiles) good rating in his sight. This is How I used PiggyVest to safe my house rent
Real-Life Struggles & How I Overcame Them
- The Urge to Spend
It hit hard during Black Friday. But SafeLock held me like a strict Nigerian parent. No access, no temptation.
- Unplanned Expenses
When my phone screen broke, Samsung, for that matter, I thought about dipping into my rent savings. Instead, I used my Flex Naira stash. Problem solved, rent untouched. You will have many more things and time , so this kind of issue will not come up
- Peer Pressure
When friends invited me out, I had to start saying, “Let me check my budget.” If they mocked me, I just reminded myself, “I won’t be couch-surfing in January.” Better be mocked for not sitting out than to ask for some months to squat for a month while looking for a house.
From Rent Stress to Financial Freshness
Saving for rent used to feel like climbing Kilimanjaro. But with PiggyVest, it became manageable, even fun (okay, semi-fun, especially when you reach your goal). I gamified it, automated it, and found joy in every milestone.
I didn’t have to cut out all the fun – just plan better. And now? I sleep better knowing my roof is secured, literally.
Recap for My Fellow Skimmers:
- Know your rent goal and break it into monthly bits.
- Use Piggybank for auto-saving, SafeLock for no-touch zones, Target Savings for group goals, and Flex Naira for backup.
- Automate deductions and give your goals funny names, make it fun.
- Celebrate milestones with small treats, budget-friendly always.
- Keep emergency savings separate so you don’t touch your rent money.
PiggyVest didn’t just help me save – it changed my money mindset.
So, if rent season always feels like the Hunger Games, try this method. You might still cry sometimes, but at least you’ll be crying in your own apartment always.
Discover How I used PiggyVest to safe my house rent by giving it a try.
Stay financially woke, fam!
What do you think? Are you using PiggyVest for your rent too? Drop your funniest saving struggle in the comments!
#PiggyVest #HouseRent #SavingsHack #MoneyMatters #RentWithoutTears
