Nikki Lumsden: Woman buys her 1st home by cutting down on her expensive habits- Nikki Lumsden, a 46-year-old woman was able to save up for her first home by cutting down on her habits - The 46-year-old woman reduced her manicures, quit the gym, checked her cigarettes and alcohol intakes - With a joint-ownership scheme that givers 45% equity share, she got a two-bedroom flat Savings could just be some people’s way of getting what they have always dreamed of. This is the story of Nikki Lumsden, a 46-year-old lady, who cut down on her expenses to get her first home. Nikki, an assistant sales manager, was able to save £4,750 (N2,240,520.40) in 18 months to get her £205,000 (96,696,143.52) two-bedroom flat in Kent in 2019. She ditched smoking and frequent alcohol to save up that much. Before then, she was always in the habit of smoking 20 cigars a day which cost £10 daily and £300 (N141,493.47) every month. Cutting down her habit allowed her to save what she could have spent every day. She also quit gym and pricey manicures to get an extra £70 (33,019.47) a month. Recommended for you "Ngbó, they say you carry belle": Denrele Edun celebrates Yemi Alade, revea... Reducing the way she goes out also helped to keep £100 (N47,172.85) in the bank. It should be noted that Nikki got her home through a shared ownership initiative. Under the scheme, she was able to get 45% ownership with her payment and on the condition that she continues paying a monthly rent of £340 (N160,359.27) to the association. To totally own the whole home, she would have to increase her ownership share. The lady, however, said that she is not in a hurry to do that. It should be noted that after she had saved £4,750 (N2,240,520.40), her mum gave her another £4,500 (N2,122,271.12) so she could make a down payment for the home. When asked why she chose to go for shared ownership, she said she would not have been able to afford it otherwise. To be able to furnish the new house, she had to buy armchairs from Facebook marketplace and take a sofa from her dad. Fortunately, the new home came with appliances. Recommended for you "No old notes yet from CBN": Banks ration cash as Supreme Court suspends wi... Meanwhile, Legit.ng earlier reported that a Lagos and San Francisco-based financial technology (fintech) startup, Flutterwave, was able to raise $35 million (N12,652,500,000) as it announced that it will be partnering with Worldpay FIS to facilitate payment in Africa. The CEO, Olugbenga Agboola, of the fintech startup will be investing the fund to grow tech business in many countries. PAY ATTENTION: Download our mobile app to enjoy the latest news update With that also, the company will be expanding its operations to build more payment products and services. It should be noted that Flutterwave launched in 2016, and has since then given clients an easier API that allows them to work with the organization to make bespoke payment applications. NAIJ.com (naija.ng) -> Legit.ng: We have upgraded to serve you better I make 20k daily from Okada business, female rider says | Legit TV Recommended for you Finally, Peter Obi's lawyers begin inspection of 2023 presidential election... Source: Legit.ng - Nikki Lumsden, a 46-year-old woman was able to save up for her first home by cutting down on her habits - The 46-year-old woman reduced her manicures, quit the gym, checked her cigarettes and alcohol intakes - With a joint-ownership scheme that givers 45% equity share, she got a two-bedroom flat Legit.ng PAY ATTENTION: NAIJ.com Legit.ng: