Seven Money Moves to Make Today

We often treat financial progress like a future project. Next month. Next quarter. Next year. When the bonus comes. When the market settles. When life feels calmer.

But wealth is rarely built in dramatic leaps. It is built in quiet, deliberate moves made on ordinary days.

If you want momentum, do not wait for a perfect season. Make a move today. Not tomorrow, not when you feel fully ready, today.

Here are seven practical money moves you can make before this week ends.

1. Buy or Borrow a Money Book

Financial growth begins in the mind. Before your income expands, your understanding must.

Buy a money book or borrow one from a friend. It does not need to be a decorative stack. It needs to be useful. Titles like The Psychology of Money, 40 Frugal Rules For Your Journey Financial Freedom or other practical, principle-based guides to saving and investing can shift how you see money.

Do not aim to read ten books “someday.” Read one chapter today. Consistent exposure to financial wisdom compounds faster than interest.

2. Buy One Stock

Many people say, “I will invest when I understand the market better.” That day rarely comes.

You do not need a large sum to begin. Even with a modest amount, you can purchase shares in reputable companies listed on the Nigerian Exchange. Banking stocks  often trade at accessible price points, though prices fluctuate.

The goal is not to speculate. It is to begin participating. Ownership changes your mindset. You stop watching the market from the outside and start learning from within.

Beginning courage matters more than perfect timing.

3. Start a Mutual Fund

If stocks feel overwhelming, begin with a mutual fund. Money market funds, for example, allow you to invest relatively small amounts while earning modest, stable returns.

This is not gambling. It is placing your money in a structure that works harder than a regular savings account.

Waiting for “big money” is how people stay stuck. Small money invested consistently becomes meaningful over time.

4. Build a Small Money Circle

Wealth is easier to build in conversation than in isolation.

Create a small money circle. Not a crowd. Two or three trusted friends are enough. Start a focused discussion group, even if it is just a WhatsApp chat.

Make one simple rule: discuss income growth, savings goals, investment ideas, and financial discipline. No gossip. No distractions.

Awkward money conversations often produce confident money decisions.

5. Block Thirty Minutes for Your Finances

Clarity does not appear magically. It is scheduled.

Set aside thirty uninterrupted minutes today. Open a notebook or digital document and answer three questions:

How much do I earn?

Where does it go?

What do I want my finances to look like in twelve months?

You cannot improve what you have not examined. Financial awareness is the first step toward financial control.

6. Break One Bad Money Habit

You do not need to fix everything at once. Break one habit.

Cancel a subscription you do not use. Pause impulse spending for twenty-four hours. Say no to one unnecessary expense.

Discipline rarely begins with dramatic sacrifice. It begins with a single decision repeated consistently.

Small restraint today prevents large regret tomorrow.

7. Begin Again

Perhaps you have made mistakes. Overspent. Ignored your accounts. Avoided investing.

Begin again.

Momentum beats perfection. A messy start is better than endless preparation. Financial growth is not reserved for the flawless. It belongs to the consistent.

You do not need a miracle to change your financial direction. You need movement.

The year will continue regardless of what you do. The question is whether it will meet you stagnant or strategic.

Choose one of these moves and act on it today. Not because it is dramatic, but because it is decisive.

Wealth does not respond to wishes. It responds to action.

Sola Adesakin is a highly respected wealth coach and chartered accountant with over two decades of transformative impact in the finance industry. As the visionary founder of Smart Stewards Financial Advisory Limited and Smart Stewards Advisory LLC, she has revolutionized the financial wellbeing of countless individuals and businesses across 40 countries. Her methodical approach to ‘make-manage-multiply’ money principles has elevated many from financial stress to prosperity, and mediocrity to exceptional achievement.