Let’s be honest. Spending money wisely in this economy feels like trying to carry water in a basket.

One minute you’re trying to save. Next thing, you’re paying double for something you should have bought last month. So how do you make better financial decisions without second-guessing every move?

Enter the 2025 Smart Spending Checklist.

This free personal finance tool by Credit Direct is built for people who want structure, confidence, and clarity when it comes to money decisions.

What’s inside?

• A smart spending table that helps you decide when to spend, when to wait, and when to walk away

• A mindset check to help you figure out the real reason you're hesitating

• Clear, practical guidance for everyday money management

• Tips on using flexible options like Buy Now Pay Later the right way

Whether you're budgeting for big goals or just trying to stop impulse spending, this guide makes it easier to stay in control.

It’s not a budgeting app. It’s not a lecture.

It’s the tool you didn’t know you needed for smarter financial planning in Nigeria. If financial discipline is on your 2025 vision board, this is a good place to start.

Download the checklist. Use it. Share it. Thank us later!

‍