"Small chops… You mean those small tasty bites passed around at conferences, picnics, and owanbes? Gbewa! Count me in!" We can not be the only ones who think about small chops in this manner. When Nigerians talk about "small chops," it's more than just food; it is an experience. Those tasty bites at events are quick, satisfying, and always in demand. Small chops are great and all, but what if the way we think about our finances were similar?
Many people spend on everyday enjoyments and quick pleasures (our own small chops), but struggle to build something lasting with our money. Financial growth comes from what you do with the money that you get, and just like turning flour, spice, and oil into delicious puff-puff, building wealth is about transforming small, everyday actions into something bigger, something that lasts.
Why Quick Spending Keeps You Stuck
Coming into this year, you were buzzing with new year, new me realities, writing affirmations and the things you plan to change; now the year is almost moving to a new one, and if you think about how much you have spent on quick pleasures like eating out, impulse spending, and non-essentials, does it make you happy?
These things give joy and pleasure in the moment, but at the end of another financial year, there is nothing to show for it, bringing you to another new year's resolution, and the cycle goes on and on.
When money is primarily spent on consumption, it disappears as quickly as hot akara on a Saturday morning, but when it is directed towards assets like property and equipment, you are laying the foundation for long-term stability.
Yes, we hear you, the country is what it is, and where is the money to do all this? The challenge has always been access. Many people who want to buy or build assets usually find the upfront costs to be way too steep, and that is why our asset financing option exists. Instead of splurging on temporary fun, asset financing lets you start owning and building for the future, without needing all the money up front.
How Asset Financing Bridges the Gap
Sure, buying or owning an asset gives you bragging rights, but it is still a big step, and our asset financing solution helps you transition smoothly from consumer to owner. Here is how it works:
- Big Purchases without Delay: Why wait for months or years to get something useful, especially with the chances of higher prices in the future, when you can get it now and start using it? You can buy and enjoy assets, whether it is a car for easy movement, equipment for your business, or property for long-term growth, and spread out the payments over a period of time.
- Build Wealth, Live Life: We want to work with you to ensure your progress, but we are not asking you to entirely give up all the enjoyment in life. We know that those small small enjoyments do a lot to help you think and work better. So, no, you don't have to give up everything you love. We are only saying that you can balance your day-to-day lifestyle while steadily acquiring assets. Yes to smarter choices, no to impossible sacrifices.
- Easy Repayments: We are not here to press your neck or put unnecessary pressure on your pocket. Your repayments are structured so that they work and flow easily with what and how you earn.
A Practical Example
A practical example of how everyday chops can affect lasting assets is this: Imagine spending ₦5,000 on fast food and impulse buys per week (which we know you probably spend even more). For a year, that is ₦250,000. Now, imagine redirecting that money into a repayment plan for something that supports your hustle.
Enjoying life in the moment is important, but it does not have to come at the cost of your future. By making smarter choices, you can turn everyday spending into ownership, value, and long-term stability.
Ready to start your asset financing journey?
Call or send us a chat to begin building your financial future with Credlanche.