In Nigeria, “chop life” is more than slang. It means living fully, enjoying the little things, and not letting life’s struggles stop your shine. As one wise philosopher (me) once said, “No matter how tough the matter is, chop first even na food for the sou, just chop.”

But let’s be honest once salary enters, bills line up like NYSC corps members at a clearance table. Still, after grinding hard all month, you deserve a piece of that paycheck joy, be it suya, skincare, or small ice cream therapy.

So, how can you chop life well without running into debts? Here are four real-life money-planning tips to enjoy life and still stay financially sane:

Fix Your Mindset

It may sound funny, but you need a clear mindset on being intentional about your money, or else it will be a fleeting idea that may fade away. So, place your hand on your chest and say after me, “I no come to this life to suffer.” Well done, you’ve completed the first step.

Define What “Chop Life” Means to You

For some, it’s amala at your favorite buka; for others, it’s quiet moments with a book or that long-postponed massage. Your version of enjoyment doesn’t have to look like anyone else’s. Know what brings you peace and factor it into your lifestyle budget.

Create a Simple Budget

Budgeting isn’t about punishment. It’s about control. Use the popular 50-30-20 rule: 50% for needs, 30% for wants (this is your chop life fund), and 20% for savings or investment. Even within that 30%, set mini-limits for each vibe so you don’t overspend.

Stick to the Plan

Planning is cute. Execution? That’s where the discipline lies. When temptation comes (hello flash sales), remind yourself that enjoyment doesn’t mean recklessness. With a plan, you can flex without regrets and still build financial stability over time.

Enjoyed this? Share with your friends and network. For more relatable stories on money, lifestyle, and building a better financial future, check out other articles on Africa Exchange. Let’s chop life well.