We’re already in February, and you can feel the difference.
In January, everything felt loud and energetic. I remember going to the gym and literally waiting in line just to use the 15kg dumbbell because the place was packed. Everybody was serious. Everybody had a “new year, new me” plan.
Now?
You walk in and half the machines are free. Same gym. Same people. Less energy.
That January fire is cooling down.
Money goals usually follow the exact same pattern. At the start of the year, we’re excited. We create budgets. Set big savings targets. Open new accounts. Promise ourselves, “This year I’ll finally be disciplined with money.”
Then life starts life-ing.
Bills show up. Subscriptions renew. Someone at home needs urgent help. Weekend spending happens. Before you know it, that strong savings plan starts fading into “I’ll start again next month.”
Not because you’re irresponsible. But because motivation doesn’t last. And honestly, motivation was never meant to carry your finances.
What actually works is structure.
Simple systems you can repeat even on tired days.
That’s why a 3-month savings reset works so well. It’s short enough to stay focused and long enough to build a real habit. You’re not trying to change your entire life. You’re just committing to the next 90 days.
And that’s much easier to stick to.
Step 1: Make the goal smaller and realistic
Big yearly targets sound nice but feel far away. “Save ₦500,000 this year” is easy to say and easy to postpone. Instead, break it down into amounts you can repeat comfortably. Something like ₦7,000 weekly or ₦30,000 monthly. When the number feels light, you’re less likely to skip it.
Step 2: Remove the decision (automate it)
If saving depends on motivation, you’ll eventually skip it. Automating your savings means the money moves whether you remember or not. When saving becomes automatic, consistency becomes effortless.
Step 3: Add accountability
Doing it alone can be tough. When nobody knows you planned to save, it’s easy to quietly stop. But when you’re saving alongside other women who are also showing up weekly, something changes. You naturally stay committed because you feel part of something.
Step 4: Focus on progress, not perfection
You don’t need a perfect streak. This isn’t Snapchat. Some weeks won’t go as planned and that’s okay. Just come back the next week and keep saving because steady effort builds real wealth.
Step 5: Give yourself a clear finish line
Saving “forever” feels overwhelming and easy to procrastinate. A short timeline like 60 or 90 days feels achievable and motivating. Once you hit that finish line, the habit sticks naturally.
Make it easier with a simple system
If tracking everything manually feels stressful, using a structured plan can help. Something that lets you automate deposits, choose weekly or monthly amounts, and save alongside other women takes a lot of pressure off.
That’s exactly what the HerVest Money Reset Challenge is designed for. It simply gives you a framework to stay consistent for three months. No complicated rules. Just a clear system. Because most of us don’t actually lack discipline. We just lack structure.
Three months from now will come either way. You might as well arrive there with money saved!
Here’s how to join our 3-Month Money Reset Saving Challenge on HerVest:
- Open your HerVest app and log in to your account.
- Tap Savings and select Cliq Savings.
- Under Public Cliq Challenges, choose Money Reset Saving Challenge.
- Set your saving frequency (weekly or monthly) and choose your payment method.
- Confirm and start saving.
You can also invite friends to join, so you save together and stay accountable as a community.
Before you start, decide on an amount that feels realistic and easy to maintain. Consistency matters more than saving big once.