Detty December: The season that wants your wallet

Detty December is not just a phrase, it’s a lifestyle. It’s that time of the year when Lagos never sleeps, Abuja is buzzing, and every city in Nigeria feels like it’s hosting a festival.

From concerts to weddings, beach parties to club nights, the calendar is packed with events designed to keep you outside — and keep your wallet empty.

This is totally from experience. Since Detty December was coined, our pockets have not remained the same. It’s the season of “soft life,” where the pressure to show up, dress up, and spend big is louder than the DJ at your favorite December rave.

The truth is, Detty December is fun, but it’s also financially draining if you don’t set boundaries.

Why 2026 Demands Smarter Money Moves…

Personal finance is not just about naira and kobo — it’s about control, confidence, and choices. In 2026, with inflation biting harder, global markets shifting, and local opportunities emerging, managing your money wisely will be the difference between thriving and merely surviving.

The IMF projects Nigeria’s GDP growth at 3.2 percent in 2026, an improvement from earlier estimates of 2.7 percent. According to Bismarck Rewane, CEO, Financial Derivatives Company (FDC), reforms and fiscal discipline will be key to sustaining this growth. He notes that the economy will experience moderate growth driven by expanding business activity, productivity gains, and supportive investment sentiment.

You might be asking: what does this mean for you and your family? And how can you live comfortably in 2026?

Read also: Abuja Detty December 2025 to boost economy, create 3000 jobs

Easy — Here’s What to Do

Moderate growth in the economy doesn’t automatically translate to moderate growth in your pocket. Prices will still rise, sometimes faster than your salary. Productivity gains and investment sentiment are great for the big players, but for the everyday Nigerian, opportunities will only matter if you’re prepared to grab them.

So, what should you do?

First, budget Like a Boss, with inflation still lurking, every naira must have a job. Track your spending, cut the excess, and prioritise essentials. This is not the time to outspend anyone. Outside should not call you, even if it does do not answer.

Next, Save Consistently! Even small amounts matter. Trust me that Phone pouch you want to get is not necessary, save that 5k. You need to build an emergency fund because the economy may grow, but shocks will still come and you need a nice shock absorber. Of course, you know you need to invest Wisely. Productivity gains mean businesses will expand. So, consider low‑risk investments like mutual funds or explore opportunities in agriculture, real estate, or listed companies. It might be hard at first, I understand this, start somewhere.

Invest Wisely: Productivity gains mean businesses will expand…

Consider low‑risk investments like mutual funds, or explore opportunities in agriculture, real estate, or listed companies. It might feel hard at first, but start somewhere.

One of my favorite things to do is to Go Local. Yes, Support and buy Nigerian‑made products. It’s cheaper, strengthens the economy, and creates jobs.

Remember we are here for a long time not only a good time, endeavor to Plan for the Long Game. Think beyond 2026. Think more in lines of retirement, children’s education, and healthcare because their costs won’t wait for GDP growth to catch up.

Your Personal finance is the bridge between your present hustle and your future comfort. Join me every week as we explore how to handle our finances and live a more secure, comfortable life in the near future.

Your money, your future: Here’s why personal finance matters more now

The year is winding down — hopefully your finances are not going with it. No doubt year 2025 has been a rollercoaster financially, from the federal government to the state government, down to your own personal government.

Prices have risen like locally made yeast in dough, but unlike bread, they never seem to come back down. That has been the story of this year.

I am here to walk with you into the New Year and beyond; to help you make better financial decisions and even smarter money moves.

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