• Inflation is easing on paper, but many Nigerians still feel squeezed, making smarter spending on food and transport more important than ever
• Small daily changes can save thousands of naira each month, from planning meals to cutting unnecessary transport costs
• Here are practical and realistic money-saving habits that fit everyday Nigerian life without sacrificing essentials

Inflation may be slowing, but your market bill probably hasn't received the memo.

If you've walked through a Nigerian market recently or priced transport for your daily commute, you've likely noticed that your money still disappears faster than expected.

According to the latest figures, Nigeria's inflation rate stands at 15.93 per cent, while food inflation is 17.8 per cent and transport inflation is 17.1 per cent.

So what can you do this month to stretch your salary?

9 hacks to beat food and transport inflation

1. Plan before your salary arrives

The fastest way to overspend is to spend first and calculate later.

Before buying anything, separate your budget into three groups: Food, transport, and everything else.

Once those two essentials are funded, you'll have a clearer picture of what you can actually afford.

2. Buy food once or twice a week

Daily shopping feels cheaper because you're spending smaller amounts, but those "small" purchases quickly add up.

Instead, prepare a shopping list and buy staple foods in bulk where possible.

Even reducing your market trips can help you avoid impulse purchases.

3. Cook once, eat twice

Gas isn't cheap and time isn't cheap either.

Cooking larger portions means you're saving both fuel and transport costs if it prevents frequent trips to restaurants or roadside vendors.

Leftovers aren't boring, they're budget-friendly.

4. Stop paying "convenience tax"

We've all done it. Ordering one small meal because you're tired, buying snacks because you're hungry on the road, or taking a ride because walking five minutes feels stressful.

Individually, they don't seem expensive. Together, they quietly drain your account.

5. Transport smarter, not harder

With transport costs still high, every trip should count.

Try to combine multiple errands into one journey, leave earlier to avoid expensive rush-hour options, walk short distances where it's safe and practical, or share rides with trusted friends or colleagues when possible.

You might be surprised how much these small adjustments save over four weeks.

6. Make local foods your best friend

Imported or premium products often cost significantly more.

This month, consider building meals around affordable local staples available in your area.

Flexibility matters more than sticking to one brand.

7. Give yourself a weekly spending limit

Don't wait until month-end to discover your money is gone. Set a weekly food and transport allowance.

If you spend less this week, roll the balance into next week's budget instead of treating it as extra spending money.

8. Always compare before buying

Taking a few extra minutes to compare prices can save more than many people realise.

9. Keep emergency cash separate

One unexpected expense can wreck your monthly budget. Create a small emergency fund, even if it's only a few thousand naira.

That way, emergencies don't force you to borrow or dip into your food budget.

Sapa lifestyle: How to eat healthily without breaking budget

Earlier, TheRadar reported some practical tips to help you eat affordable and nutritious foods. The rising cost of food and basic commodities has caused many to turn to unhealthy food options like fast food and unbalanced diets, making it harder for Nigerians to prioritise their health.

However, eating well doesn’t have to be a luxury. With a little planning, creativity, and smart shopping strategies, it is possible to enjoy a diet that is both healthy and affordable.