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Teaching Life Skills: Save, Spend Wisely Using Common Apps

Revised by Nwachukwu Marycynthia and Olivia Eni

When many Nigerians think of education, what comes to mind is sitting in a classroom, listening to a teacher, and taking notes. However, the reality of the 21st century has shown that learning does not only happen in classrooms.

The phone in your hand, the apps you use daily, and the digital tools you interact with are quietly shaping your skills. Everyday technology is no longer just about convenience. It has become a silent teacher, helping Nigerians learn essential life skills like budgeting, communication, and teamwork.

The Nigerian youth of today lives in a world where WhatsApp is not only for chatting, where Google Maps is not only for finding directions, and where mobile banking is not only for sending or receiving money. These tools, when understood properly, can shape stronger financial habits, improve collaboration, and make communication clearer. The message behind this article is simple: everyday technology, if used wisely, can equip Nigerians with the life skills needed for success in school, at work, and in personal life.

Understanding Life Skills in the Nigerian Context

Before diving deeper, let us define what life skills really are. Life skills are abilities that help individuals handle challenges, build relationships, make informed decisions, and live productively. They include financial literacy, communication, teamwork, problem solving, and adaptability. In Nigeria, where young people are constantly facing economic pressures, unemployment, underemployment, and social challenges, life skills are not optional. They are the “essential necessities.”

Everyday technology in Nigeria is not limited to fancy gadgets or high-end software. It is the WhatsApp group for family discussions, the mobile banking app that helps a student manage pocket-money (or the urgent 2k), and the Google Maps app that saves a job seeker from getting lost on the way to an interview. By looking at these examples, we see how everyday technology is quietly teaching Nigerians life skills without us even realising it.

Budgeting Through Mobile Banking Apps

Financial Literacy Made Simple

Budgeting is one of the most important life skills Nigerians need, especially in a country where cost of living is constantly rising faster than baked bread. Yet, very few people sit down to create a budget on paper. Here is where mobile banking Apps comes in.

Mobile banking apps like GTWorld, AccessMore, Opay (O-Wealth), PiggiVest, Palmpay and others have made it easier to track income and expenses. With just a few clicks, you can view your spending history, categorise your expenses, and set limits. For example, a student can monitor how much money is spent on transport weekly compared to how much goes into food. This helps the student make better financial decisions, avoiding wasteful spending.

Real Nigerian Experience: Imagine Tunde, a 24-year-old fresh graduate in Ibadan. Instead of waiting until the end of the month to realise that his money is finished, he uses his bank app to set up alerts for every withdrawal. Within a few months, he noticed that he was spending too much on daily snacks and decided to cut down. The app became more than a banking tool. It became his budgeting coach.

Key Takeaway: Everyday technology like mobile banking apps teaches Nigerians the life skill of financial discipline. By using them actively, one learns to budget, save, and spend wisely.

Communication Through WhatsApp and Social Platforms

Beyond Casual Chats

Communication is the backbone of human interaction, and Nigerians are some of the most active communicators in the world. WhatsApp, Telegram, X (formerly, Twitter), and other platforms are not just for gossip or sharing memes. They are powerful tools for learning effective communication.

In family WhatsApp groups, young Nigerians learn to express themselves respectfully, listen to different opinions, and manage disagreements. In professional WhatsApp groups, such as those created for study groups, internships, or remote work, communication takes on a more formal tone. This teaches clarity, time management, collaboration, and even conflict resolution.

Example from Daily Life: Chidinma, a youth corps member serving in Kano, joined a WhatsApp group created by fellow corps members to coordinate community projects. Through this group, she learned how to write concise updates, how to assign tasks clearly, and how to handle criticism without feeling attacked. These are not just digital conversations. They are lessons in communication that prepare her for future leadership roles.

Key Takeaway: Everyday technology teaches Nigerians, especially students; how to communicate across different audiences. From informal family chats to professional work updates, apps like WhatsApp help young people practice and refine the art of communication.

Teamwork Through Google Maps and Collaborative Tools

Navigating Together

Teamwork is another crucial life skill. In Nigeria, where collective effort is often required to succeed, teamwork is part of daily life. Surprisingly, tools like Google Maps can foster teamwork.

Imagine a group of friends traveling by road from Port Harcourt to Abuja for a wedding. Instead of a person struggling alone, they use Google Maps to plan the route, estimate travel time, and decide where to stop for fuel and food. Everyone has a role to play in monitoring directions, and together they avoid getting lost. This shared use of everyday technology strengthens cooperation and planning.

From School Projects to Workplace Teams

Beyond navigation, teamwork is also shaped through collaborative platforms like Google Drive, Google Classroom, Canva, Riverside, or Zoom, which are increasingly used in Nigerian schools and workplaces. A group of students preparing a group assignment can share documents on Google Drive, assign research topics, and edit the same file together in real time whilst living in their individual homes. Through this, they learn teamwork, accountability, and problem solving.

Key Takeaway: Everyday technology like Google Maps and collaborative apps helps Nigerians practice teamwork in both informal and formal settings. It strengthens cooperation, planning, and trust among peers.

Benefits of Learning Life Skills Through Everyday Technology

  1. Accessibility: Everyday technology is already in the hands of millions of Nigerians. There is no need for expensive training programs to acquire these life skills.
  2. Practical Application: Life skills are learned in real time, applied in real situations, and immediately tested.
  3. Consistency: Since Nigerians use these apps daily, the lessons are repeated and reinforced naturally.
  4. Adaptability: Everyday technology allows people to adjust quickly to challenges, whether it is budgeting during inflation, coordinating a project online, or navigating a new city.

Facts

According to Statistics, Nigeria had over 130 million internet users as of 2024, meaning that more than half of the population already has access to everyday technology.

The Nigerian Inter-Bank Settlement System reported that mobile banking transactions crossed 20 billion Naira daily in 2023, proving that Nigerians are heavily relying on digital tools.

A survey by DataReportal in 2024 showed that WhatsApp remains the most popular social app in Nigeria, used by more than 90 percent of internet users.

These facts show that everyday technology is already a powerful part of Nigerian life, and it can be leveraged for learning essential life skills.

Final Thoughts

Everyday technology is more than entertainment. For Nigerians, it is an open classroom for learning budgeting, communication, and teamwork. Mobile banking apps teach budgeting, WhatsApp sharpens communication, and Google Maps fosters teamwork. These tools are already part of our daily lives, which makes them accessible and practical for developing life skills.

Nigerians do not need to wait for formal classrooms to learn life skills. With the phone in your pocket and the apps you. already use, you can become better at managing money, working with others, and expressing yourself clearly.

So the next time you log into WhatsApp, open your bank app, or check Google Maps, ask yourself: what skill am I learning right now? How can I use this small lesson to improve my future? The answer may be the key to unlocking personal success and contributing to a greater Nigeria.

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