BUDGETING FOR BEGINNERS

a picture showing budgeting as a means to success

INTRODUCTION TO BUDGETING

Budgeting is the first step to financial success. Oftentimes, we’ve heard people talk about how a certain commodity isn’t in their budget, and so they can’t afford to buy it. This drives the quest to fully grasp the concept of this economic terminology. Every individual’s goal is to be able to afford whatever he wants. In understanding people’s attitudes toward financial goals, the following assumptions about humans are true. This general attitude guides their approach to making and spending money.

ASSUMPTIONS THAT AFFECTS BUDGETING

  1. That man is a rational and social being. This indicates that humans possess the mental capacity to reason and think, which enables us to perform a variety of cognitive tasks such as concept formulation, assessment of ideas, and reasoning. 
  2. A need is a requirement for functioning and existing. Wants are anything that enhances the quality of your life.
  3. A person’s income must be greater than his expenses. If the reverse is the case, it is highly detrimental to the financial well-being of the individual.   
  4. A person must instill healthy habits to get the best out of budgeting.

PERSONAL INCOME VS EXPENSES IN BUDGETING

This concept of personal income can be defined as all the earnings an individual makes over a period of time. Personal income comes from salaries, investments, and other assets the individual has acquired over time. Income generally refers to the value or sum an individual and business earn in exchange for their labor and goods.

There are basic expenses that an individual must pay at all times, and these are called cost of living expenses. The cost of living expenses might differ from person to person depending on lifestyle, choices, and family size. The common cost of living expenses includes feeding, rent, clothing, taxes, education, transportation, etc. 

To further break these two concepts into bits, income is money coming in, and expenses are money going out. Every individual’s goal should therefore be to maximize income while minimizing expenditure. Understanding these two concepts helps individuals project their financial standing and plan toward their goals.

WHY DO I NEED TO PLAN MY   FINANCE? 

Personal finance is mostly relative to the individual’s mindset, choices, and lifestyle. Certain individuals have no financial projections, nor do they have goals.  Having a financial plan is just like intending to have a fit body, and then taking steps to cut down on unnecessary junk food and registering at the local gym. In the same way, you plan for your social lifestyle, and physical body, this same energy should be directed toward your finances. 

Financial planning is a methodical process whereby a person makes the most of their financial resources by managing their money wisely to best meet their financial goals and objectives. We all know the health implications of eating too much, so we pay attention to what we eat and how we eat it. Likewise, you should also pay attention to the implications of spending more than you earn. A financial heart attack, including debt, bankruptcy, and a lifetime of bad credit, may result from continuously spending more than you make. A personal financial plan functions as a financial diet plan.

WHAT THEN IS BUDGETING?

A budget is an economic concept; governments, companies, and individuals use budgets to estimate their income and outlays for a given period. Budgets are essentially plans for a specific period and are known to increase the success of any financial endeavor significantly. 

The objective of a personal budget is to minimize expenses and maximize savings. You can use the additional money you save by reducing your less-needed expenditure and raising your savings rate toward significant long-term financial objectives. Budgeting is essential if you want to control your spending, be ready for unforeseen circumstances, and be able to afford your needs without falling into debt. It doesn’t have to be tedious, you don’t have to be brilliant at arithmetic, and keeping track of your income and expenses doesn’t mean you can’t buy items that you want. It simply means that you will be more aware of where your money is going and that you will be more in control of your finances. 

The concept of budgeting is not to make you feel bad after spending. The goal of budgeting is to ensure you can save some money each month, ideally at least 10% of your total income, or at the very least, to ensure you are not spending more than you bring in.

. To successfully create a personal budget, you must first meticulously track your income and expenses. Making a budget is simple once you keep track of your money. Your expenditure is far more difficult to identify or track. You may start the crucial process of classifying all your income and spending once you have a complete list of all your bank deposits, outgoing checks, and transfers.

Having the right attitude toward money is the backbone of having a budget. 

CREATING A BUDGET

The following steps will take you to a healthy financial budget   

  • FIGURE OUT YOUR NET INCOME:

Your net income serves as the cornerstone of an efficient budget. Your take-home pay is the sum of your income less tax, including other benefits. Focusing on your gross pay instead of your net pay may cause you to overspend because you will believe you have more money accessible than you have. Keep thorough records of your contracts, and compensations if you are a contractor or a freelancer to manage erratic revenue. 

  • ANALYSE YOUR SPENDINGS

Finding out where your money is going comes after determining how much money you make. This will help you cut costs by keeping track of and classifying your expenses. List your fixed expenses first. These are typical monthly expenses like utility bills, rent, and so forth. Next, make a list of your variable expenses, which include things like groceries, transportation, and feeding, among others, and could differ from month to month.

  • SET SENSIBLE OBJECTIVES: 

Make a list of short-term and long-term financial goals. Short-term goals which can be completed in one to three years might include actions like creating an emergency fund or reducing debts. Long-term goals take years to accomplish. Although your goals don’t have to be unchangeable, knowing what they are can inspire you to keep to your budget. For instance, if you know you are saving for a vacation, it might be simpler to reduce spending.    

Plan

The difference between what you spend and what you wish to spend is where everything comes together. To estimate your spending over the next few months, use the list of variable and fixed expenses that you have established. Contrast it with your net income.  Consider creating direct and clear spending limits on each category.

You could decide to further segment your spending by dividing it into wants and needs. For example, petrol is considered a need if you will commute to work in your car every day. On the other hand, an online movie subscription might be considered a want. When you’re looking for strategies to reroute money toward your financial goals. This distinction becomes crucial.   

  • REVIEW YOUR BUDGET FROM TIME TO TIME:

All items in your budget may not be certain. For example, your expenses might change, you might get a salary increment, and you might reach a goal and want to set a new goal. Whatever the reason is, establish the practice of routinely reviewing your budget by using the preceding procedures. 

Conclusion

Knowing your monthly income and expenses will help you to endure that your money is being used for the best. A budget can help people who have a good salary and enough money left over after paying all expenses to maximize their savings and investments.

Any budget should concentrate on identifying and categorizing all expenses that happen during the month, quarter, and year if one’s monthly expenses normally absorb the majority of net income.

To end this, bill payment with ppp.vtpass.com is superfast, easy and very convenient. Just a few clicks and you’re done. In addition, you get 24/7 access to our support team to help you through any glitch you might have. Why don’t you try us today?

INTERNATIONAL DAY OF EDUCATION

“Education is the passport to the future, for tomorrow belongs to those who prepare for it today.” – Malcolm X

Why International day of Education?

The international day of education is celebrated today globally. It is a day to celebrate the importance of education. And also to acknowledge the efforts of educators around the world in providing quality education to all. It is also a day to recognise the power of education to transform lives and create a better future. We should thank all educators and recognise the great work they do to ensure that education is accessible to all.

Education not only provides individuals with the knowledge and skills necessary to participate in the economy. It also teaches them the values and ethics essential for responsible citizenship. It help create a culture of innovation, and encourages citizens to take up roles as active members of community. Education also encourages citizens to think critically, develop problem-solving skills, and assume ownership of their own success. Ultimately, education is the foundation for all meaningful progress and positive change. Shiv Nadar, the founder of HCL wrote: “Education is and will be the most powerful tool for individual and social change, and we must do all that it takes to facilitate it.” And to emphasise this point is why the international day of education is celebrated globally.

UN and International Day of Education

The United Nations’ Declaration of Human Rights states that everyone has the right to education. Education is the key to breaking the cycle of poverty, creating more opportunities, and improving the overall quality of life. It also helps to create a more informed,, and inclusive society that can better address global issues such as inequality. Around 90 percent of the world’s population had completed a primary education, whereas only 66 percent had attained secondary education.

This is due to a combination of factors such as violence, child, early, and forced marriages, lack of schools, inadequate infrastructure, unsafe environments, limitations in teacher training, and systemic gender biases. All of these factors have contributed to the instability of education in the country. Gender plays a major role in the educational system in Nigeria, as girls are often excluded from accessing quality education due to a variety of cultural and economic factors. It is clear that gender disparities in education are a major challenge in Nigeria. This issue needs to be addressed in order to promote equal access to education for all.

Education and people

This year’s theme for the international day of education is ‘to invest in people, prioritise education’. In order to ensure that all children in Nigeria, regardless of gender, have access to an education, there needs to be a concerted effort to invest in educational infrastructure and resources. This includes investing in teacher training, providing quality textbooks and materials, and strengthening educational policies. Such efforts will ensure that all children, regardless of gender, can access a quality education and have the opportunity to reach their full potential. This will lead to a more equitable education system in the country, where all children, regardless of gender, can access the same resources and opportunities. This will lead to a more equitable and just society, where all children can grow up with the same chances of success.

Education and society

One cannot undermine the role of education in a society. Children would realise their potential and develop skills that will be beneficial for the nation in the long run . This will also reduce income inequality and create a more level playing field for all citizens.

A robust society fosters strong families that uphold solid familial values, which lowers social evils and crime. 

For example, countries such as Japan and South Korea have a strong middle class, low crime rates, and a high level of educational attainment. This has contributed to their success. In particular, Japan’s high educational attainment levels have enabled it to develop cutting-edge technologies that have been critical in driving its economic growth. 

Conclusively,

It is similar to a student investing the time and effort to obtain a high-quality education. Because of the long-term payoffs in terms of higher wages and a better quality of life. Investing in people by prioritising education is a key way to ensure long-term success. Education helps to provide the knowledge and skills necessary to succeed in the modern economy. Investing in education is an investment in the future. This is because it yields dividends in form of higher wages, increased job opportunities, and a better quality of education. Education also provide an understanding of the world, which can lead to greater empathy and better appreciation of different ideas. Investing in education can help society progress and become more productive, leading to greater economic success.

The United Nations General Assembly has declared 24 January as the International Day of Education. This is in recognition of the vital role that education plays in peace and development. 

Hurry! Right now, the 2023 JAMB e-PIN (UTME/DE) is still available on VTpass. Simply log on to ppp.vtpass.com/jamb to buy your JAMB e-PINs now! Also, WAEC Result Checker Pin is available here

Vtpass.

BBNaija ShineYaEye Reunion Final

The BBNaija ShineYaEye Reunion Final episode aired on Friday night, 17th of June. Whoosh! It’s been quite the ride. This particular housemates have divided opinions so much. Some are sad to see the show end, while others are glad it’s finally over. Hmm. Truth is, they gave content. Whether it was good or bad is left for you to decide, but they brought the game. There was something to talk about everyday on the reunion show. Call it an escape from your normal routine. Well, it’s finally over, whichever side of the divide you fall on. Here’s our take on the BBNaija ShineYaEye Reunion Final talking points.

WhiteMoney, Maria, Pere and Tega

Ebuka asked the housemates who changed the most after the show in their opinion, and most of them voted WhiteMoney. Shocked, are we? Those who did speak said in the house he was this caring person, and suddenly, outside the house, he became this person who was too busy, or who didn’t care anymore. Ah, well. What we can say is that dude’s strategy obviously worked. He’s too busy making bangers as the musical genius that he is right? Init?

Following that, Peace relayed a situation where Maria walked up to her outside the house about something her fans said. Home girl Maria instantly said she couldn’t recall the incident and if Peace said it happened, then she doesn’t know what to say. All I can say is omo, fear Maria o.

After that, Tega called Pere out for not defending her during the media rounds. He apparently didn’t want to get involved in the drama. Tega was definitely emosh. Her voice when she said “But I begged you.” See where game has ended up sha.

Emmanuel, Liquorose, Cross and Angel, Beatrice and Pere

On the other hand, Emmanuel stated that he never asked Liquorose out, and what they were was never defined. Liquor however rebuffed that to say that it was defined. “Shame on you bro” was the highlight of that exchange, with Liquorose going on to explain the vibe they had. Well, that ship has clearly sunk.

Cross and Angel were back at it. What have you done for me, I did this for your family. This their fight, I don’t know what to think about it honestly. What are you guys even dragging? Can you just rest since you’re not doing again?

It is worth mentioning that Beatrice says she can have Pere anytime she wants him because she is a beautiful lady. Pere said that confidence is attractive. I don’t know what to think. Lol. Are you playing? What kind of playing is this?

And The Rest…

Cross said he would go back into the house if he had another chance. Because there are bills to pay in the outside world. This guy! True though, we know you have bills, and that’s why we’re here. To take care of your Cable TV paymentselectricity billsairtime and data needs, insurance and education bills and more, all on VTpass!

Ebuka, in closing the show, did say that they were the best dressed housemates on the reunion show since it started. We can’t dispute that though. lol. He also did say that despite a lot of the word out there (that they were boring), this season recorded the most votes so far in a BBNaija season. So what you guys talking about? Anyways, Season 7 is coming up, you know who to trust with your bills payments so you don’t miss out on any of the content live.

Startimes Bouquet Prices Increased

Startimes Bouquet prices have increased, however, this has been some time coming. News of this had been circulated for a while. The reason is so that customers can anticipate the price change and not be caught unawares. We had also put up the info here. See here.

This is what you need to know. Please note there has been an adjustment on package pricing by Startimes which has taken effect from today, Friday 10th June, 2022. This affects the prices of Antenna: (DTT) and Dish: (DTH) subscription packages and thus, we have updated our pricing.

Prices for Antenna: (DTT) and Dish: (DTH) subscription packages have been adjusted upwards as follows;

Antenna: (DTT)

  • Nova – N900
  • Basic – N1850
  • Classic – N2750

Dish: (DTH)

  • Nova – N900
  • Smart – N2600
  • Super – N4900

NOTE: This change in price of Startimes bouquets has taken effect already from today, 10th June 2022.

Where To Buy Startimes Bouquet

Startimes Bouquet Prices have increased. You definitely want to ensure you are making payment in the right platform and getting immediate value. That platform is VTpass. Offering bills payment services on airtime and data transactions, tv subscriptions and electricity bill payments, education bills and insurance payments. You get superfast payment processing and instant value delivery.

Changes To Startimes Bouquet Pricing

There are changes to Startimes Bouquet pricing on the way. This is for all Startimes users. There will be a new price introduced for bouquets. Here’s all you should know about it.

Please note there has been an adjustment on package pricing by Startimes which takes effect this Friday, 10th June, 2022. This would affect the prices of Antenna: (DTT) and Dish: (DTH) subscription packages.

The company serves its customers through antenna signal transmission (DTT) and satellite transmission (DTH). The packages under the two transmission modes vary slightly.

StarTimes antenna bouquets

StarTimes offers customers three bouquets to choose from using antenna signal transmission.

  • Nova Bouquet – ₦900 per month
  • Basic Bouquet – ₦1,700 per month
  • Classic Bouquet – ₦2,500 per month

Dish (DTH) bouquets

StarTimes offers customers four bouquets to choose from using satellite (dish) signal transmission.

  • Chinese – ₦6,600 per month
  • Nova – ₦900 per month
  • Smart – ₦2,200 per month
  • Super – ₦4,200 per month

The old prices become obsolete however by Friday, June 10, 2022. And the changes to startimes bouquet pricing come in.

StarTimes – NEW MONTHLY BOUQUET PRICE

Antenna: (DTT)

  • Nova – N900,
  • Basic – N1850,
  • Classic – N2750

Dish: (DTH)

  • Nova – N900,
  • Smart – N2600,
  • Super – N4900.

Pay for your Startimes Subscription, and other bills on VTpass to experience payment convenience and speedy value delivery!

GOtv and DStv New Price Adjustment

Due to an adjustment on package pricing by Multichoice, there is a GOtv and DStv new price adjustment on the platform. This new pricing structure takes effect from April 1st 2022. This would affect the prices of GOtv and DStv subscription packages. Only GOtv Supa price remains unchanged.

Old and New Prices

Here’s all you need to know about the GOtv and DStv New Price Adjustment in the table below.

Dstv
ProductsProduct CodeCurrent PriceNew price
PremiumPRWE361840021000
Compact PlusCOMPLE361240014250
CompactCOMPE3679009000
ConfamNNJ2E3646155300
YangaNNJ1E3625652950
PadiNLTESE3618502150
AsianASIAE3662007100
Premium +XtraviewPRWE36 + Xtraview Access2090023900
PremiumAsiaPRWASIE362050023500
Premiumasia +XtraviewPRWASIE36 + HDPVRE362300026400
Premium + FrenchPRWFRNSE362550029300
Premium + French + XtraviewPRWFRNSE36 + HDPVRE362800032200
CompactPlus + AsiaCOMPLE36 + ASIADDE361860021350
CompactPlus + Asia +XtraviewCOMPLE36 + ASIADDE36 + HDPVRE362110024250
CompactPlus + French TouchCOMPLE36 + FRN7E361470016900
CompactPlus + French PlusCOMPLE36 + FRN15E362050023550
CompactPlus + French Plus +XtraviewCOMPLE36 + FRN15E36 + HDPVRE362300026450
CompactPlus + XtraviewCOMPLE361490017150
Compact + AsiaCOMPE36 + ASIADDE361410016100
Compact + French TouchCOMPE36 +FRN7E361020011650
Compact +XtraviewCOMPE36 + HDPVRE361040011900
Compact + French Touch +XtraviewCOMPE36 + FRN7E36 + HDPVRE361270014550
Compact + Asia +XtraviewCOMPE36+ ASIADDE36 + HDPVRE361660019000
Compact + French PlusCOMPE36 + FRN15E361600018300
Confam + XtraviewNNJ2E36 + HDPVRE3671158200
Yanga + XtraviewNNJ1E36 + HDPVRE3650655850
Padi + XtraviewNLTESE36 + HDPVRE3643505050
Add-On
DStv HDPVR Access Service E36HDPVRE3625002900
DStv French Plus Add-on Bouquet E36FRN15E3681009300
DStv Asian Add-on Bouquet E36ASIADDE3662007100
DStv French Touch Add-on Bouquet E36FRN7E3623002650
Xtraview Access25002900
Dstv Great Wall standalone BouquetGWALLE3615001725
French 11 Bouquet E36FRN11E3632604100
Box Office650800
Box Office (New Premier Price)XXXX1100
GOTv Products
SupaGOTVSUPA55005500
MaxGOTVMAX36004150
JolliGOTVNJ224602800
JinjaGOTVNJ116401900
LiteGOLITE800900
Lite (Quarterly)GOLITE21002400
Lite (Annual)GOLITE62007000

The Price Lock Offer

Conversely, you get the chance to lock your account on the old price for a period of 12 months however. With the Price Lock, you get to pay the old subscription rate over the period of 12 months. This offer is open only to accounts that are active by 31st March, 2022. All you need to do is renew your current subscription before your due date to enjoy the old price for the next 12 months.

VTpass is the number 1 bills payment platform in the country. On VTpass, bills payment are instant. You also receive value for transactions immediately. With VTpass, you can buy airtime and data, pay TV subscriptions and settle electricity bills, buy insurance covers or pay education bills, all in one spot.

Super Eagles Soaring at AFCON

On Wednesday night, we got to witness the Super Eagles of Nigeria soar to a 2 – 0 win against Guinea Bissau in their third game of the group stages of the AFCON. The eagles in doing so, became the only side at this year’s AFCON to record a 100% record in the group stages. The only side. That’s some feat!

Nigeria had already won the group before kick-off, reward for victories recorded against Mohamed Salah’s Egypt and Sudan. It’s the first time that the super eagles of Nigeria have won all three AFCON group matches since 2006. Champions in 1980, 1984 and 2013, is it too early to start dreaming of a fourth?

Time will tell. Nigeria is definitely up there though with the likes of Cameroon and Senegal as one of the tournament favourites. And with their record, many sides will be looking to avoid them when the last 16 draw is done.

Hope or Not?

While there are still some good teams in the competition, the Super Eagles go into the draw full of confidence. This team has done well for themselves. Considering the fact that they have played 3, scored 6, and gotten 9 points out of a possible 9, they have done well indeed. What more? They are actually playing good football. This actually looks like a team, rather than the usual composition of individuals we are used to getting.

Truth is, many of us wrote them off before they even kicked a ball. We have had our hearts broken too many times that optimism was on very short supply. However, this current crop have us believing again.

Whichever way it goes, don’t miss out on any of the action at this year’s AFCON. You can easily make your Cable TV paymentspay electricity billsbuy airtime and data with VTpass. It’s as easy as click, pay and go to pay your bills, stay connected, and enjoy the 2021 AFCON action live!

Temporary VTpass Support Update

Dear Esteemed Partner, we have a temporary update to VTpass Support. You may have noticed contacting VTpass support has been tricky at some specific timings. To serve you better, we are restructuring our support and in the period while we do that, support will no longer be active 24/7.

In the interim, our support will be active between 7AM – 7PM daily. We have however also built in tools to help you resolve certain issues should you need urgent help within this period, while we proceed with the temporary VTpass Support Update

Regenerate Token: This is for electricity transactions. Transactions on VTpass get immediate value. In rare situations, this may not be the case. When you pay for electricity but your token wasn’t generated. just log in to your account and visit your transactions page. Click on the transaction and regenerate your token.

Find My Token: Where your transaction was successful but you didn’t receive token, just open the mobile app/visit ppp.vtpass.com and follow the steps below:

  1. Firstly, click the “Find Token” button
  2. Secondly, input meter number and phone number linked to your transaction.
  3. As a result, the system will display transactions you carried out on that meter. Click on the transaction you didn’t receive token for
  4. Lastly, your token will be displayed to you.

For help with resolving other issues, you can send us a mail with all details at support@vtpass.com and you will be responded to immediately our support system is active at 7AM, or you can reach us via live chat or callings our hotline; 08138752358 between 7AM – 7PM

We sincerely apologise for the inconvenience. And we promise to be back and better as soon as possible. We remain dedicated to providing you with excellent service.

How To Fund Your VTpass Wallet

If you’re a new user to the VTpass platform and would like a faster way to make your payments without having to use your debit card all the time, here’s how to fund your VTpass wallet. First, what is a wallet?

The image of a nice small, foldable leather wallet tucked carefully into the back of your jean trousers quickly comes to mind as a guy. If the image in your mind is not nice, change your wallet. Lol. For the ladies, it’s that stylish fashionable purse that holds all things precious to you. You find all manner of things in wallets these days. From sim cards and sim packs, to receipts. From ID cards to complementary cards. from earrings to pins. Even the downright ridiculous can be found in wallets, like paper. Let’s just not bother to dabble into the world of all the things that can be found in a woman’s wallet.

All these are great. There is however one important thing missing. Money! All wallets/ purses carry money. The money is either in physical form or in an ATM card in the wallet. Money, for instance, is one of the major reasons losing your wallet hurts. For example, you often remember how much you had in the wallet before it went missing. Subsequently, I can’t be the only one who searches every corner of his wallet when sapa hits.

Consequently, all these are well and good, and the reason we are teaching you how to fund your VTpass wallet.

What’s a VTpass Wallet?

We have established that wallets help hold cash and are handy when you need urgent cash to make quick and easy payment. In the same vein, your VTpass wallet helps you pay for services on VTpass swiftly. In other words, you can now buy airtime and data, pay TV subscriptions and electricity bills, purchase insurance covers and pay education bills at the click of a button, right from your VTpass wallet. Yes! Likewise, it’s easy to use.

How to fund your wallet

To fund/credit your wallet, simply do these:

  1. Firstly, Log on to ppp.vtpass.com
  2. Log in with your registered email and password.
  3. Click “Credit Wallet” as it appears on the dashboard.
  4. Enter the amount you want to credit into your wallet.
  5. Proceed to payment and choose your desired payment option.
  6. Make payment and your wallet is credited immediately.

That’s it. Now you can start funding your wallet easily and making payments for products on VTpass, superfast.

Update on Making DStv and GOtv Payments on VTpass

There’s a new update on making DStv and GOtv payments on VTpass, and we’re here to tell you all about it. At VTpass, we believe so much in customer satisfaction. That’s why we continue to make necessary updates in response to your feedback.

We believe that you should get value immediately you make payment, all things being equal. We however have noticed that some customers do not get reconnected immediately. Also, we noticed that some customers are prone to making errors when making payment for their DStv and GOtv, paying to the wrong IUC number. This update helps with these issues. Read how below.

What The Update Is

When making DStv and GOtv payments on the platform, you will have to input your IUC number first for the system to verify before proceeding to select your desired package. Other fields remain frozen and inactive until then. Attempts to input other details before then won’t work. Only your email will be auto filled if you have a pre-existing account on VTpass.

What This Update Does

Immediately you input your IUC number, our system will display the details to you. That way, you see the name on the decoder, current package, expiry date and cost of renewing the same package before making payment. Neat, we know!

Now your decoder gets reconnected immediately. Also, you can ensure that payment is being made to the valid IUC number. No more incorrect IUC payments going through.

Another benefit of this update is identifying when you want to upgrade or downgrade your bouquet. After the IUC details have been verified, click on “select what to do” and choose between “renew current bouquet” or “change bouquet”

Renewing bouquet keeps you on the bouquet you are currently on, while changing bouquet gives you the option to move to a higher or lower bouquet of your choice automatically and instantly.

That’s the new update on making DStv and GOtv payments on VTpass. Found this article helpful? Kindly share on your social media handles. Follow VTpass on FacebookInstagram, or Twitter.