BEFORE THE 15TH; Why Your Money Finishes and What to Do About It
⚠️ READ THIS BEFORE YOU BUY
This book is not for everyone.
If you are looking for motivation, inspiration, or a feel-good read about money — this is not it.
If you want to read it, nod your head, and go back to doing exactly what you have always done — please do not buy this book. You will waste your money and your time.
This book is only for the Nigerian who is ready to sit down, open their bank statement, fill in the templates, and do the work.
If that is you — keep reading. Because what is inside will permanently change your financial life.
THE PROBLEM THIS BOOK SOLVES
It is the 12th of the month. Salary came two weeks ago. And your account is already silent.
You are not lazy. You are not irresponsible. You go to work every day. You hustle. You try. But somehow, every single month, the money disappears before the 15th — and you cannot explain where it went.
You have tried to budget before. It did not work. You have told yourself to save. It never happened. You have watched your income come and go like a bus that never stops long enough for you to board.
Meanwhile inflation is eating your purchasing power. Loan apps are taking their cut. Family obligations are demanding their portion. And every month ends the same way — empty account, full stress, and the quiet question nobody wants to ask out loud:
Where did all the money go?
This book answers that question. And then it fixes it.
WHAT THIS BOOK TEACHES YOU
BEFORE THE 15TH is a complete, practical, no-jargon financial guide written specifically for Nigerians — built around the salary ranges, the social obligations, the loan apps, the inflation, and the daily financial reality that most money books completely ignore.
Here is exactly what you will learn inside:
✅ The 7 Money Leaks draining your account every month — most Nigerians have at least 5 of these working simultaneously and have no idea
✅ How to build your Honest Nigerian Budget — not a wish list, a real working budget with your actual income and your actual expenses, in naira
✅ The Zero-Based Budget Method — simplified for Nigerian life, with a fully worked example using real figures from ₦120,000 to ₦200,000 monthly income
✅ How to build an Emergency Fund in Nigeria — even on a tight income, even when it feels impossible, with a step-by-step 3-stage plan
✅ The Debt Snowball Method — a proven strategy to systematically clear loan apps, cooperative loans, and money owed to people you know, without going mad in the process
✅ How to make your side hustle money actually build wealth — instead of entering your hands and disappearing like your salary
✅ Savings and investment options available to Nigerians right now — Treasury Bills, mutual funds, Piggyvest strategies, and dollar-denominated savings explained simply
✅ How to handle family obligations, social pressure, and the Nigerian extended family economy — without destroying relationships or destroying yourself financially
✅ The full 30-Day Money Reset Plan — a week-by-week action guide that starts working from the day you receive your next salary
THE DIFFERENCE THIS BOOK WILL MAKE — IF YOU DO THE WORK
Before this book, your money arrives and disappears. You live in financial reaction mode — always responding to what money does to you instead of deciding what you do with your money.
After reading AND practising everything in this book:
🔑 You will know — down to the last naira — where your money goes every month. No more guessing. No more feeling.
🔑 You will have a working budget that fits your real Nigerian life — including your hair appointments, your skincare, your family support, and your social obligations. All of it planned for. None of it a guilt trip.
🔑 You will stop arriving at the 15th with nothing. Your budget will see the 15th coming and prepare for it in advance.
🔑 You will have an emergency fund for the first time — a real financial buffer that means the next medical bill, the next generator breakdown, the next family crisis does not wipe you out.
🔑 You will be out of the loan app cycle. Permanently. Because you will have a system, and the system has a buffer, and the buffer makes borrowing unnecessary.
🔑 Your side hustle money will start building something instead of just covering gaps.
🔑 You will begin saving and investing — even in small amounts — in vehicles that actually protect your money from Nigeria's inflation.
🔑 You will stop giving from a place of panic and start giving from a place of planning. Your family will still be supported. But you will not be sacrificing your financial future to do it.
The version of you that does the work in this book will look back in 12 months and not recognise the financial decisions you used to make.
📦 WHAT YOU GET — BONUSES INCLUDED
This is not just a book. It is a complete financial toolkit.
📖 The Full Book — 10 chapters of practical, story-driven financial education built entirely around the Nigerian context. Real examples. Real naira figures. Real solutions.
📊 BONUS: Money Leak Audit Worksheet — identify exactly which leaks are draining your account and calculate how much you can recover annually by plugging them
💼 BONUS: Zero-Based Budget Template — a complete, fill-in-yourself monthly budget template formatted like a professional analyst's tool, with a worked example included
📅 BONUS: Daily Expense Tracker — track every naira, every day, across all categories with a clean weekly format and category totals
💳 BONUS: Debt Register & Snowball Planner — list all your debts in one place and calculate your month-by-month payoff timeline using the snowball method
💰 BONUS: 90-Day Savings Goal Tracker — set your savings target, track monthly contributions, and watch your progress build month by month
📈 BONUS: Financial Health Scorecard — assess your current financial position across six key indicators and know exactly which area to fix first
Every worksheet comes with a fully completed example using realistic Nigerian income figures — so you see exactly how it works before you fill in your own numbers.
⚠️ THIS BOOK IS NOT FOR YOU IF:
❌ You want to read but not apply
❌ You are looking for a get-rich-quick shortcut
❌ You think your income is the only problem
❌ You are not willing to look honestly at your bank statement
❌ You plan to fill in zero templates and wonder why nothing changed
✅ THIS BOOK IS FOR YOU IF:
✔️ You are tired of arriving at the 15th with nothing
✔️ You are ready to finally understand where your money goes
✔️ You earn between ₦60,000 and ₦500,000 monthly and feel like it is never enough
✔️ You want a system — not just advice
✔️ You are willing to do the work
✔️ You want your money to start working for you instead of running from you
A WORD FROM THE AUTHOR
"I wrote this book because of a conversation — a colleague who laughed when I told her where her salary went, and then went quiet when she realised it was not funny. She is not alone. Millions of Nigerians are in the same position — working hard, earning real money, and watching it disappear before the 15th. This book is the education we were never given. But I want to be clear: reading it is only the beginning. The transformation is in the doing. If you do the work, this book will change your financial life. If you don't — it will make a very expensive bookmark.
— Akandie-Abasi Udofia, Accountant · Finance & Business Analyst"
📥 GET YOUR COPY NOW
BEFORE THE 15TH; Why Your Money Finishes and What to Do About It
By Akandie-Abasi Udofia
The 15th is coming. This time, be ready for it.