Contribution months are obligations
Your monthly Ajo contribution belongs in the spoken-for layer, beside rent, family support, and bills.
Ajo and Esusu tracker
Ajo and Esusu can help young Nigerians save, but contribution months feel tight and payout months can feel richer than they really are. Unoego is designed to make both sides visible.
Your monthly Ajo contribution belongs in the spoken-for layer, beside rent, family support, and bills.
When payout arrives, Unoego should show whether it is for rent, business capital, debt repayment, or a goal, not just extra cash.
Rotating savings only make sense when inflow and outflow months are handled differently.
Ajo/Esusu is part of the product direction and should be treated as a core Nigerian money flow, not a generic savings category.
Because payout months can create a false feeling of wealth while the money may already have a job.