Hey there, future millionaires! So, you've hit the big leagues of uni life, yeah? Freedom, parties, hangouts and handouts and... wait, what's that sound? Oh yeah, it's your wallet crying. Don't worry, we've got your back! Let's talk about how to become an adult with your money without losing your mind (or your last two-kay).

What's This "Financial Literacy" All About?

Okay, so "financial literacy" sounds about as fun as a calculus exam, right? But here's the deal: it's just fancy talk for "knowing how to handle your cash without ending up soaking garri every afternoon." It's about making smart choices with your money so you can still have a life (and maybe even afford Shawarma every night).

Budgeting: Your New Gee

First things first, let's talk about budgets, not the boring kind though. We're talking about a game plan for your money that lets you live your best life without ending up in a financial dumpster fire. Here's the gist:

• Figure out how much cash you've got coming in (weekly or monthly allowance and maybe a scholarship).

• List out all the stuff you have to pay for (hostel, food, materials, etc).

• See what's left and decide where it goes (savings, outside money, emergency fund).

Saving: You’re not a kid anymore

I know, I know. Saving money sounds about as exciting as watching paint dry. But trust me, Future You will be doing a happy dance when you've got cash stashed away for emergencies (or that end of semester hangout). Start small. Even if it's just tossing your spare change in your wardrobe or box. It adds up faster than you think!

Spend Smart, Party Hard

Look, we're not here to tell you to live like a pauper. University is all about experiences, right? But there's a difference between OBO and "Oh no, I'm broke." Some hacks to keep more cash in your pocket:

• Cook with your roommates instead of buying meals all the time

• Look for student discounts like it's your job

• Take advantage of campus events with free food (those department socials aren't just for networking, you know)

• Master the art of bargaining at the market - “price market”, channel your inner Nigerian mom!

• Use public transport or carpool with friends instead of always taking Uber

Debt: The Ultimate Wahala

Listen up, my guy/babe! Debt is like that clingy ex who won't let you move on. It's best to avoid it but if you're already in the debt soup, don't panic – we've got your back! Here's the 411 on dodging the debt bullet:

• Steer clear of those shady loan sharks offering "quick cash." Their interest rates are higher than the odds of ASUU not going on strike!

• Think twice before borrowing money for non-essentials. Do you really need the latest iPhone when your current one still works? Nah, I didn't think so.

• If your rich uncle offers an interest-free loan, that's cool. But remember, even family money comes with strings attached. Don't borrow money to impress!

Already drowning in debt? Time for damage control:

• Make a list of all your debts. Yes, even that 5k you owe your roomie for suya.

• Tackle the ones with the highest interest rates first.

• Set up a repayment plan and stick to it like white on rice. Even small, consistent payments can make a big difference.

• If possible, negotiate with your creditors. You'd be surprised how a little sweet-talk can go a long way.

Planning for the Future (Because Adulting is Inevitable)

I know retirement feels like it's a million years away, but hear me out. The sooner you start thinking about your future, the less you'll have to stress later. Maybe learn about investing (it's not just for Wall Street bros), or start dreaming about that business you want to start. Remember, being good with money doesn't mean you can't have fun. It just means you're being smart about it. So go forth, budget like a boss, and maybe someday you'll be sipping fancy cocktails on a yacht instead of struggling to eat daily. You've got this!