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At Irorun, we understand your needs and, as you continue to repay your loans, we reward loyal customers with higher loan limits up to ₦50,000, low interest rates, and exciting perks like birthday gifts and bonuses for referring friends to borrow easily and meet their financial needs with us.

We reward our loyal customers with special perks, including interest-free loans for a limited time, so you can meet urgent needs without worrying about high interest rates.

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We will never misuse your data, resort to shady debt collectors, or harass your friends and family. If you are having issues with your repayment just reach out to us. We are always here to help.

New year, New me…does that sound familiar?

If you have made new year resolutions as regards your finances, you’d be glad you read this article

We’ve carefully selected 7 reliable tips for sticking to your new year’s financial resolutions.

Take a look at them

## Start small
A lot of people tend to make new year financial resolutions but never stick to them. It’s either they can’t be bothered or it has become too much hassle to keep up with. We understand.

The mistake some people make is that they tend to make big plans, and these plans later end up looking unachievable in their eyes. The best start to a good financial year is to make small achievable goals for yourself, to build momentum and confidence in your ability to stick to your financial resolution.

## Make realistic plans
Having your financial resolution is all good but you need a solid plan to make sure that it works. Remember, results come from how effective the plan is.

Here’s how you can yield better financial results this new year; Write down your financial goals and create plans for how you’ll achieve them. You can create a short checklist under each goal, describing the weekly or monthly action you’ll take towards achieving your goals. Ensure these actions you’ve set to carry out are realistic, that is, they fit within your current cash inflow with considerations to your important needs. Once you have this down, try to stick to your plan as closely as possible.

## Set a workable budget
Keep a lookout on your cash inflow and outflow every month, and put a great amount of effort into creating a budget system that outlines your expenses and savings goal.

If you have a high-interest debt consider paying it up as a top priority to help you save money on interest and free up more money for other financial goals. Your first budget might not be it, but that’s okay, watch for patterns that work and those that don’t and make all the necessary adjustments. Rome wasn’t built in a day.

You may even consider setting up an automatic transfer to your savings account to make it easier to save money, this will help you stay on track with your financial resolution. Find the best option that works for you and suits your needs.

## Track your progress
Keep track of your progress toward your financial resolution, this may seem like it doesn’t need to be mentioned but it’s important.

You can make use of a budgeting app or even a journal to help you keep track. Set a time each day where you sit and record your expenses of the day and see if they line up with what you’ve made in your plan.

Make any adjustments as needed to help you stay on track.

## Find an accountability partner
An accountability partner will be a great help to you on your financial resolution journey. This is someone who will help keep you on track and remind you to focus when you begin to stray.

It could be a friend or family member, someone you trust. Share your financial resolution with them and let them hold you accountable to help you stay on track. No man is an Island.

## Seek out resources and financial advice
If you keep having trouble with the plan you’ve made or are unsure of how to go about making a plan, you should consider speaking with a financial advisor or professional to help you develop a plan for reaching your financial goal.

You can also utilize resources such as budgeting apps, online courses, and microloans that help build your credit history. All these can help you get a hang of managing your finances as well as keep you on track.

## Be patient and stay flexible
Sticking to your financial resolution takes time and discipline, and sometimes life happens, so it’s important to be patient and keep your financial resolution flexible.

If something happens that causes you to deviate from your plan or you don’t see immediate results, don’t get discouraged, adjust your plan and get back on track.

Don’t forget to celebrate your progress along the way, this can go a long way in keeping you motivated.

…

Now that you’re ready to make smart money choices and smash those money goals this year! Send us a message at support@irorun.com and let’s help you fund that goal!

7 reliable tips for sticking to your new year’s financial resolutions

Howdy there Rockstar!

We understand that sometimes you feel you can’t afford to wait, but if it affects your safety, it’s worth waiting for. Whenever you want to provide a digital lender your personal information, we advise that you take a minute to breath, shake off that anxiety and keep these few things in mind.


## Secure connection
A secure connection is very important when doing any kind of online transaction as it prevents your accounts from being hacked and causing you to lose sensitive personal data.

Your browser plays its own role in defense as modern browsers are designed to detect and block access to unsecured websites. However, you should still take extra care to make sure you are safe. Here’s how to spot a secured website; look for a padlock symbol in the browser’s address bar and “https” in the URL. These red flags serve as a website’s mark of legitimacy, letting you know that the website you’re visiting is trustworthy and not a scam put up by online thieves.

When working with digital lenders, you may start protecting your personal information by being aware of these visual clues and insisting on a secure connection. It pays to take precautions to safeguard your sensitive information and online financial transactions in this day and age.

## Reputable lenders
It’s essential to make a conscious effort to only do business with well-known, trustworthy lenders when providing personal information to digital lenders. Considering these reputable lenders have been around for a while, it’s more likely that they have strong security measures in place to protect your private information.

It’s important to keep in mind that these lenders are usually subject to financial authority monitoring and have an interest in protecting the information of their clients. This adds another layer of security and accountability to your transactions. Selecting reputable lenders gives you the security of a reliable and accountable financial partner throughout your digital lending experience, in addition to improving your own data safety. Read more on how to spot responsible lenders.

## Strong passwords
When sharing personal information with digital lenders, it’s important to create accounts on loan websites with safe and unique passwords. Passwords should be made up of letters, numbers, and special characters (symbols) to make them hard to guess. It’s also a good idea to change your passwords regularly to reduce the risk of illegal access to your account.

Enabling two-factor authentication adds an extra level of security by requiring not only a password but also a temporary code or biometric verification before granting access to your account, making it much more difficult for potential cyber threats to compromise your sensitive financial data. _Make it tough for these bad guys_.

###Verify legitimacy
Before sharing personal info, verify the legitimacy of the website and lender. Check for customer reviews on the App store or Play store, official contact information, and physical addresses.

Take the time to thoroughly examine the loan’s terms and conditions. Consider the interest rate, repayment timeline, and any hidden fees. Knowing the fine print will allow you to make an informed decision while also protecting yourself from surprises.

Also, think about setting up a different email address and bank account for your online loan activities. This not only gives an additional layer of protection, but also simplifies your financial management by keeping your digital lender interactions separate from your personal finances.

## Beware of unsolicited offers
_Constant vigilance!_

It’s highly important to be vigilant while dealing with digital lenders in order to protect your personal information. Unsolicited loan offers that come through as an SMS or any other form of communication can be a warning sign.

Therefore, it’s advisable to take proactive control of your financial decisions by initiating loan applications through established and trusted websites. By doing this, you lower your chances of becoming victim of a scam and keep your sensitive information out of the wrong hands.

## Permission-based sharing
Sharing your personal information with people who truly need it is important when working with digital lenders. This involves sharing information such as your name, contact information, and financial background (BVN, bank statements and the likes) while remaining cautious not to give out too much.

Remember that sharing more information than necessary can put you in danger of identity theft or fraud. So, before you offer any information, consider and confirm whether it’s directly relevant to the lending process and if it’s absolutely necessary to share. _Keep your eyes peeled out for any foul-play_

Check out Irorun to see how secure our website is and send us a message at support@irorun.com to get paired with a loan that’s the right fit for you.

What to keep in mind when providing personal information to a digital lender


Do you have vex money?

Do you have anything-fit-sup money?

Do you have extra-flex money?

Hmm…you have none? Not to worry, [Irorun](http://irorun.com/) has you covered. This article will show you actionable tips for saving an **emergency fund.**

Any amount of money kept separately and used to cover the expense of unexpected situations is an emergency fund.

Life is unpredictable and situations (even ones that you are prepared for) can pop up at any time and surprise you. For instance, in a situation where one loses their job, an emergency fund allows them to live well for a few months while on the search for a new job. It’s almost like insurance for any “what-if” situation that arises.

Living without an emergency fund is similar to living on the edge — the “financial” edge, hoping that you won’t run into any unexpected situation. (That’s very unlikely though).

Being prepared with an emergency fund gives you the confidence that you can tackle any situation life throws at you without stressing about your finances.

Here are a few tips to help you start saving with ease:

## Set a monthly/weekly savings goal
Setting up an emergency fund could be likened to budgeting. You calculate all your expenses and set aside an amount for your emergency fund.

You can give yourself a realistic goal, say #20,000/month or #8,000/week. Giving yourself a goal to work towards allows you to put more effort and consideration into creating that emergency fund. We’re cheering for you! 

## Automate your savings
Another tip to help you save for an emergency fund is using the power of technology by “Automatic saving”. You can set up a standing order for a set amount of money to be transferred into your emergency fund account. This way, even if you forget to transfer into the account, your standing order will ensure that money will be transferred into your emergency funds account. See how seamless it is to save money these days.

## Check for extra money that can be added
In today’s highly inflated and recessive economy, it could be hard to squeeze out extra money when you’re trying to live comfortably. Yes, it may be hard doesn’t mean it’s impossible. Every amount helps whether it’s a gift (in the form of money), employee bonus or relief package. These extra cash could be added to your savings especially if you do not have an immediate need or use for them. Money left over from buying your necessities can also be added to boost your emergency funds. The goal is to be financially ready for any August visitor.

## Keep your funds accessible
Your emergency funds are exactly for that — Emergencies so you should keep them in a place where they can be easily accessible to you when you need them but do try to keep them in a place where you can hold off the temptation of using them. Taking from your emergency funds once can lead you to take from it multiple times. Fight the temptation, ma’am!.

## Cut down unnecessary expenditure
As we mentioned in the beginning, setting up an emergency fund can be likened to budgeting, this means that there is a need for you to cut down on expenses that eat into your finances.

“No one knows tomorrow” that’s why even the wealthy save. Those extra expenses(phone upgrade, restaurant hopping, etc…) can be halted for a moment until you’re able to build a habit of saving for a rainy day.

…

At Irorun, we’ll not only show you how to borrow with ease but also how to make the best financial choices.

Send us a message today at support@irorun.com!

Tips for saving an emergency fund


Pulling yourself out of debt can be incredibly challenging especially when other necessary expenses are fighting for your resources as well.

We want to make the process smoother and quicker, by showing you several mistakes you must avoid during this time, so you too can be debt free!

## Bad spending habit
When someone is in debt most of their effort, rationally, should go towards paying off the debt, so why then would they still consider frivolous expenses? (I know you’re not like that sha).

But if for any reason you struggle with bad spending habits that are hindering your finances and you urgently need to clear up debts, here’s what you can do — find better and cheaper alternatives to curb overspending; You want to eat out with friends to catch up? Host an indoor movie hangout with a home-cooked meal. New clothes? You haven’t finished wearing the ones you have . Gadget upgrade? Beautify the one you have (change the screen and get a new pouch). Make a genuine effort to avoid bad spending habits that are likely to push you deeper into debt.

## Trying to do it alone
“No man is an Island”

Being in debt doesn’t automatically make you a lone wolf, you can ask for help from family and friends, and if you can’t do that (you may feel uncomfortable going to them and that’s okay) there are always other options.

You can turn to people around you who can help you create an effective budget system or also try getting an extra income from working for sure jobs. Look through some of your under-utilized skills and start monetising them. So many options available abi?.

Taking on all that pressure alone can be bad for your mental health, so please do ask for help.

## No practical budget
One mistake you must avoid is having no form of budgeting, this would not only slow down your debt repayment, but your finances will also be jaga-jaga.

And that’s why you must create a detailed and realistic budgeting system.

Every aspect of your spending is taken into consideration when making a budget, expenses that you can do without should be taken out entirely and expensive necessities should be exchanged for cheaper alternatives.

The budgeting system should be made around the debt to be paid and with that, every other expense can be calculated in a way that is affordable and efficient. And that’s a smooth path to the “debt-free” bus stop.

## Tackling multiple debts at once
The idea that splitting your finances to tackle multiple debts at the same time will speed up repayments is false. It does work in few cases but puts a damper on your standard of living and leaves you drained in the long run.

A more effective way of debt repayment would be to pay off the larger debt first as they are likely to have higher interest rates. This will free you up from financial constraints in a better fashion than trying to pay off all loans at the same time.

## Not engaging with your creditor
A very common mistake that you must avoid at all costs is the mistake of hiding from your lender when faced with a financial crisis and being unable to repay your loan on time.

The truth is, engaging with your lender honestly and asking for a loan term restructure is well within [your right as a borrower](https://medium.com/@Theirorunapp/know-your-rights-as-a-borrower-a7bdbfda3f8).

Lenders are obligated to listen to your struggles regarding debt repayment they would like to know because your struggles also affect their business. They are willing to make adjustments where it is necessary (reducing interest rate, extending repayment period). [Here’s a step-by-step process on what to do if you can’t repay your loan when due](https://medium.com/@Theirorunapp/what-to-do-if-you-cant-repay-your-loan-when-due-773eb03f7084). Nevertheless, it’s not only during times of struggle that your lender would like engagement, feedback on the loan processing and repayment is also welcome and help to build rapport with your lender.

…

As always, [Irorun](https://irorun.com/) wants you to enjoy a seamless borrowing experience through AUTHORIZED and ETHICAL Lenders (*coughs*like us).

Send us a message today at support@irorun.com and get matched with the loan that’s just right for you!

Mistakes you must avoid when paying off debts

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Irorun Blog

7 reliable tips for sticking to your new year’s financial resolutions

What to keep in mind when providing personal information to a digital lender

Tips for saving an emergency fund

Mistakes you must avoid when paying off debts

Download now