Let’s be real — adulting is hard.
You want to save money, but you also want to enjoy life.
One part of you is dreaming of a glowing savings balance, while the other is craving shawarma, spontaneous getaways, or those Instagram-inspired outfits.

So, how do you do both?

1. First, Let Go of the Guilt

Spending isn’t the enemy. Life is meant to be lived— and sometimes, that includes weekend jollof, Netflix subscriptions, or buying yourself that little something that sparks joy.

The key? Balance. And that’s where intentionality comes in.

2. Start with a Simple Budget

No need for spreadsheets that look like accounting finals.
Just think of your money in buckets:

• 💰 Needs (rent, bills, food)
• 💃 Wants (dining out, dates, gadgets)
• 🌱 Future You (savings, emergency funds, investments)

With Rubies, you can easily track where your money goes and start adjusting as needed. The app shows your transaction history in clear categories, so you can stop wondering, “Where did my money even go?”

3. Automate Your Saving

Let’s be honest — if you wait till the end of the month to save, chances are there’ll be nothing left.
That’s why Rubies Vault lets you save automatically, on your terms:

• Set a goal (like ₦50k in 3 months for a trip)
• Pick how often you want to save (daily,     weekly, monthly)
• Sit back and let Vault handle the rest

It’s like putting your savings on cruise control —without the guilt or constant effort.

4. Use Spend& Save to Save While You Spend

Rubies also offers a genius feature: Spend &Save.
Every time you spend money, a small amount (that you choose) goes into your Vault.

Think of it like this: buy a snack? Save ₦100.
Pay for data? Save ₦200.
Over time, those small amounts add up to big wins — and you didn’t even feel it.

5. Celebrate Wins, Big or Small

Saving doesn’t have to mean depriving yourself. In fact, the best budgets have room for fun.
Rubies helps you build healthy money habits without taking the life out of living.

Take yourself out once in a while. Celebrate meeting your Vault goal. Buy that small reward.
It’s your journey — Rubies is just here to make it smoother.

6. Final Thought: The Real Flex is Financial Peace

Having money in your Vault for emergencies? That’s peace of mind.
Going out with friends without checking your balance first? That’s freedom.
Living your life today and planning for tomorrow? That’s balance.

Rubies helps you do it all — track spending, save automatically, and enjoy life without financial stress.

Ready to find your balance?
Join thousands of Rubies users who are spending smarter, saving better, and living life fully.

Download Rubies now and start your Vault journey today.

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