Weekly money plan for women over 45 in Ghana

Rent, food, church, school fees for the grandchildren, money for the stall. Everything is due and the money comes in small small. A simple plan for the week makes it easier.

Step 1: Write the week on one page

Take a pen and paper. Write what comes in this week. Then write what must go out. Start with the big ones.

Your week, one idea at a time

• Monday: Rent. Put aside this week's part of the rent first. Do not touch it.
• Tuesday: Food. Buy what the house needs for the week. Write the list before you go to the market.
• Wednesday: Stock money. Set aside what you need to buy goods for the stall. Keep it apart from house money.
• Thursday: School fees. Put a small amount aside for the grandchildren. Small every week is easier than all at once.
• Friday: Church and family. Decide what you will give. Decide before the day, not on the day.
• Saturday: Check. Count what is left. Is there a gap next week? Write it down.

Keep stock money and house money apart

When they mix, it is hard to know if the stall makes money. Use two envelopes, or two MoMo wallets. Only the stall pays for stock.

If there is a gap, a short loan is one tool

Sometimes the money is short before market day. A short loan is one way to cover a gap. It is not free. You pay back more than you borrow. Look at the cost first and borrow only if you can pay back on the due date.

Here is the example Fido publishes in its "Loan Products at a Glance (Ghana)" sheet for a first-time loan:

• Loan: GHC1,500 for 30 days
• Paid to your MoMo wallet: GHC1,479, after the commitment fee
• You pay back: GHC1,682. This is GHC1,500 plus GHC162 interest plus a GHC20 processing fee.

The amount you can borrow, the time and the cost can be different for you. The app shows them before you accept.

Steps to a first loan

1. Get the Fido app.
2. Sign up with your phone number.
3. Show your Ghana Card.
4. Add your MoMo wallet.
5. Read the amount, the days and the total to pay back. Then decide.

Get the Fido app

Send this plan to someone

Do you have a daughter, a son or a friend who would like this plan? Send it on WhatsApp.

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Frequently asked questions

How much does a short loan cost in Ghana?

It depends on the amount and the days. For one example, GHC1,500 for 30 days, you pay back GHC1,682. See the Fido "Loan Products at a Glance (Ghana)" sheet for the details.

What do I need for a first loan with Fido?

You need the Fido app, your Ghana Card and a MoMo wallet.

Can I plan my week with no loan?

Yes. The plan above works without a loan. A loan is only one tool for a gap.

Last updated: 21 October 2026.