HOW IT WORKS

A simple flow for controlled spending.

Wisemonie turns your income into a clear plan, so you spend with structure instead of guessing from one balance.

Fund your wallet.

Move your income in on payday. It's held by our licensed banking partner on regulated Nigerian rails, not by us.

Build your week.

Walk through your normal week: Monday lunch, Wednesday offering, Friday date, Saturday mum, Sunday tithe, transport, rent. Each becomes its own envelope.

Set the release rhythm.

Transport 7am weekdays, lunch 11am Mon/Wed/Fri, offering 8am Sunday, parents 9am Saturday, rent locked until it's due. Your week now runs on a clock.

Live the week.

Spend straight from the envelope of the moment: lunch from lunch, tithe from tithe, mum's money from Parents. When today's is empty, it's empty. Tomorrow's opens on its own.

Then your week runs itself

Once the rhythm is set, every envelope opens at its time. No maths, no reminders.

Set it once. Your week on a clock

Mon

7:00amTransport

11:00amLunch

Tue

7:00amTransport

Wed

7:00amTransport

11:00amLunch

6:30pmOffering

Thu

7:00amTransport

Fri

7:00amTransport

11:00amLunch

6:00pmDate

Sat

9:00amParents

Sun

8:00amTithe

Each envelope opens on its own. When today's money is spent, tomorrow's is already scheduled.