Financial Planner · 2026

The Big Year

UK graduation · Wife's birthday · Lagos December — tracked from Prague, May–December 2026.

⚡ Starting from May with 6 months of income ($12,000). Total firepower: $19,930. Full target: ~$18,850. Buffer is ~$1,080 — timing and deployment matter a lot.
Include wife's UK flight (the only "maybe") Showing full target
Total available
$19,930
Saved + income + investment
Target
$18,850
Incl. wife's UK flight
Buffer
$1,080
After full target
Saved now
$7,000
In hand today
Income (6 mo.)
$12,000
$2,000 × May–Oct
Investment
$930
Matures May 22 → Lagos
Savings progress
Saved vs target $7,000 / $18,850 — 37%
$11,030 still needed — covered by income + investment
Buffer on full target $1,080 — 6%
Tight — grows to $1,430 if wife's UK flight doesn't land on you
Events breakdown
UK — Sister's Graduation September
Prague → London · Ryanair / Wizz / easyJet
$3,750
▾
Parents' contribution (flights from their origin)
£1,500 (~$1,900)
Your flight (Prague → London, bags inc.)
~$350
Your spending money in London
~$1,150
Wife's flight (Prague → London, bags inc.) maybe
She is saving for it — you might need to cover
~$350
Total (incl. wife's flight)
~$3,750
Wife's Birthday October
Biggest single spend — build this fund through summer
$8,000
▾
Flights + hotel + experiences
$5,000
Cash gift
$2,000
Physical gifts
~$1,000
Total
$8,000
Lagos — Mum's Birthday December Book flight now
December Lagos prices rise every week you wait
~$7,000
▾
Your flight — Lagos (book immediately)
$2,000
Cash gift to mum — ₦1,000,000
~$730
December spending money — you + wife (₦4,000,000)
~$3,000
Mum's party contribution — ₦1,700,000
~$1,270
Total
~$7,000
Deployment plan
Naira strategy
PiggyVest Pot — Convert now
December spending (₦4,000,000)
~$3,000
Cash gift to mum (₦1,000,000)
~$730
Mum's party contribution (₦1,700,000)
~$1,270
Total to convert now
₦6,700,000 (~$5,000)
Note: ₦1 ≈ $0.00073 (i.e. $1 ≈ ₦1,370). Convert now to lock in rate + earn PiggyVest interest. Consider tranches (half now, half July) to spread rate risk. Your $930 investment payout (May 22) goes directly into the Lagos budget. Withdraw November or early December.
Key risks
Lagos flight
Price rises every week in December. Every day you wait costs real money. Book today.
October crunch
Wife's birthday is $8K in a single month. Don't let the UK trip in September drain what you need for October.
Naira rate risk
Converting all naira now locks in today's rate. Consider tranches to spread exposure.
Wife's UK flight (only maybe)
$350 is manageable, but plan for it early. It's the one variable left in the UK budget.
2026 Budget Planner ₦1 ≈ $0.00073 · $1 ≈ ₦1,370
Monthly Tracker · 2026

Month by Month

Log income and expenses each month. Track your running balance against the plan.

Select month
$2,000 Default $2,000/mo — edit if different
Income this month
$2,000
Spent this month
$0
Saved this month
$2,000
Running total saved
$7,000
incl. starting $7,000
Log an expense
Expenses this month
No expenses logged for this month yet.
Month summary
Opening balance$7,000
+ Income+$2,000
− Expenses−$0
Closing balance$9,000
vs plan at this point—
Savings pots — cumulative
Savings trajectory vs plan
Year at a glance
MONTH INCOME EXPENSES NET BALANCE
Monthly Tracker · 2026
Money Buckets · 2026

Allocate your funds

Edit the allocated amount for any line item. The pool bar at the top shows how your $19,930 is distributed. Green = on target. Amber = under. Red = over-allocated total.

Total funds available
$19,930
ALLOCATION BREAKDOWN
Unallocated
$0
📊 Summary
Total allocated $0
Available $19,930
Remaining (unallocated) $0
Buckets · 2026 Edit any amount — totals update live
Money Strategy · 2026

The Full Plan

How every dollar is timed, where it sits, and why — from May through December.

Starting position
In hand
$7,000
Right now
May 22 payout
$930
→ fully to Lagos
Monthly income
$2,000
May through October
Total firepower
$19,930
All sources combined
Strategy by bucket
✈️
Lagos — December
Total needed: ~$7,000

This bucket is fully funded from your existing $7,000 savings + the May 22 investment payout.
  • Your flight ($2,000) — book today. Pay from current savings immediately.
  • Naira expenses (₦6,700,000 ≈ $5,000) — convert to naira now and park in PiggyVest. Lock in the rate, earn interest, withdraw Nov/Dec.
  • $930 investment payout (May 22) — goes directly into the Lagos naira pot. Think of it as covering the party contribution.
After the flight ($2,000) + naira conversion ($5,000), your $7k savings are essentially fully deployed to Lagos. Your income from May onwards then funds everything else.
🎂
Wife's Birthday — October
Total needed: $8,000

This is funded entirely from monthly income (May–September). You have 5 months of income before it hits — that's $10,000 in total, but don't forget the UK trip comes in September too.
  • May–August income ($8,000) → wife's birthday fund.
  • September income ($2,000) → UK trip that same month.
  • October hits: the $8,000 is paid out.
Build this fund first — it's the biggest and the timing is tightest. Mentally ring-fence May–August income for this bucket. Don't touch it.
🎓
UK — September
Total needed: $3,400–$3,750

The UK trip is funded by September income ($2,000) plus any remaining cash after wife's birthday fund is topped up.
  • Parents' contribution (£1,500 ≈ $1,900) — this is your biggest cost and needs to be wired to parents before the trip. Book flights for them once confirmed.
  • Your own Prague → London flight (~$350 with bags) — book well in advance for cheapest fares. Prices on Wizz/Ryanair are best 2–3 months out.
  • Spending money (~$1,150) — covered by September income alongside the flight money.
  • Wife's flight (~$350) — the only remaining "maybe". If she hasn't saved it by August, you cover it. It's $350, plan for it.
UK strategy: September income ($2,000) + any Aug surplus → covers the full ~$3,400–3,750. Buy your Prague → London flight now while prices are low. Wire parents' £1,500 in August once their plans are locked.
🏦
Naira / PiggyVest Strategy
Convert ₦6,700,000 ≈ $5,000 now

All Lagos naira spending sits in PiggyVest earning interest until withdrawal in Nov/Dec 2026.
  • Convert in two tranches — half now (~$2,500), half in July — to avoid being 100% exposed to one exchange rate.
  • At ₦1,370/$1, today's $5,000 buys ₦6.85M. A 5% naira depreciation changes this to ~$4,750 — manageable.
  • $930 investment (May 22) → convert directly to naira to top up the pot to ₦7.5M+ with interest.
  • Withdraw in November. December withdrawals face peak demand and potential processing delays.
Don't wait on the naira conversion. Every month you delay is a month of missed PiggyVest interest and potential rate movement against you.
Deployment plan — month by month
Key decision points
Right now: Book the Lagos flight before you do anything else. Then initiate the first naira conversion (~$2,500) into PiggyVest.
June–July: Book Prague → London flights for you (and wife if needed). Cheapest window is ~2–3 months before travel. Second naira tranche in July.
August: Wife's birthday fund should be fully saved (~$8,000 ring-fenced). Wire parents' £1,500 for their flights. Confirm all UK logistics.
November: Withdraw naira from PiggyVest before December. Confirm Lagos hotel/accommodation and any December bookings early.
Strategy · 2026 ₦1 ≈ $0.00073 · $1 ≈ ₦1,370