smart money woman

I’ve always wanted to read this book after reading/watching a lot of reviews, I was super excited when I got the book on the bloggers forum I am on. THE SMART MONEY WOMAN is not a very recent book, but I think it is a book everyone should endeavour to read and always make reference to.

THE SMART MONEY WOMAN was written by Arese Ugwu, the founder of, a personal finance platform for the African millennial. For starters, as much as I love reading books, I don’t really fancy books that have to do with making money, investments, and all that. This is because they don’t mostly break it down to the average/less than average citizens level. You will be most likely more depressed than you are after reading those books, but the SMART MONEY WOMAN was different for me.

I enjoyed the fact that the book came in form of a prose, it has a story-line which will motivate the readers to want to read it to the end. Everyone likes to know the end of a story. The book was centered on Zuri, who makes a decent salary for herself, she has a great car, an apartment in one of the highbrow areas, she basically has a fabulous life. Despite all these, she was in great debt!

  ARESE UGWU, The Author

The book teaches us how she broke down at first, discovered how she has been squandering her money intentionally and unintentionally, how she is supposed to manage the money, how she got out of debt, how she remained out of debt, and it was explained in the Nigerian way. Sometimes, all these books don’t teach us the Nigerian way, it is hard to implement their ideas in this country.

THE Africa culture, the mentality of females not doing too much for themselves before marriage, the idea of depending wholly on your husband were also mentioned and dealt with in the book. Zuri’s friends, Tami(the fashion designer of life), Lara(the oil money woman), Adesuwa(the lawyer and very submissive), and Ladun(the fabulous housewife) made the prose a relatable one and their conversations were endearing.For those that love romance, there was a bit of romance but it wasn’t too much to be forced down the throats of those that don’t entirely enjoy romance.

One thing I also noticed is Arese made mention of a lot of Nigerian brands, I don’t know if they sponsored the book or she just decided to advertise the brands. Brands like Oasis Med Spa, WIMBIZ, Goldman Sachs, Genevieve Magazine, Youtopia Beauty, House of Tara, and the likes. It’s a good thing to promote Nigerian brands, but it was getting too much for me at a point, I couldn’t catch up. It’s not as if I have money to patronize these brands yet anyway.

The major lessons I learnt from the Smart Woman Arese are:

  • You can be rich and broke.
  • Always track your expenses, make it a habit.
  • Stay away from debts, and if you will owe, it should Be for a reason you will grow.
  • If you can, build an emergency fund.
  • Practice the smart money budget, you will have to read the book to know this one. For spoilers, check page 159.
  • Try to network and sell yourself more.
  • No matter how small you earn, you should endeavour to invest. Remember to invest wisely.
  • Find a side hustle.
  • Have a good boyfrenn or girlfrenn, it will help you.

This book is a good read, I’ll encourage to read it if you have not, and read it again if you have. If you have read it before, tell me what you think in the comment section. If you need a copy, you can also ask in the comment section. Thanks guys!

P.S: Guys can read it too! If you will be too shy reading the hard copy of a book presumed for women, you can get the e-book. You can thank me later after reading


My name is Oso Ayomide Susan, you can just call me Susanspecs!!!.


  1. Reply

    Doyin ade

    February 27, 2018

    Thank you for this short and precise summary. To think I have this book but I’m yet to read it ???.

    • Reply


      February 27, 2018

      Read it, I’m sure you’ll like this. I’ll be expecting your review ??

  2. Reply


    February 27, 2018

    Yaay! I think i love the new look of the blog…its looking matured one kind although the previous one was cool too

    Imagine i have this book but the “money” in the title did not encourage me to read…I was expecting “the way it use to be”, I’m going to read it ASAP
    Nice review?

    • Reply


      February 27, 2018

      Thank you so much for your review on the new look of the blog, I really hoped everyone likes it.

      Start reading the book now now, you’ll super love it. It’s really a good one

  3. Reply


    February 27, 2018

    I really need to finish this book. My love for movies is taking over my reading culture.

    • Reply


      February 28, 2018

      Yeah, movies are slowly taking over. But the reading culture just has to remain, and this book is really a good one??

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