In Nigeria, the arrival of February is anticipated as a time of transition and hope after the challenges experienced in January. Many people eagerly seek the end of January, often marked by financial difficulties stemming from impulsive spending during the preceding Christmas holiday season. Regrettably, the year 2024 may not bring respite from these challenges, given the concerning global and domestic economic outlook. Looking ahead to 2024, the global and domestic economic landscape suggests potential complexities for individuals and families. It is important to be mindful of these factors as we navigate the coming months.