6 min
START HERE
Your first budget that actually works
Turn irregular income, family commitments and everyday spending into a simple plan you can follow.
MONEY SKILLS FOR REAL LIFE
Build wealth before money teaches you the hard way.
Verified institutions, practical guides, calculators and scam awareness to help you make smart money decisions with confidence.
✓ Free education ✓ Official sources ✓ No product commissions
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01Know your money
02Verify first
03Grow patiently
✓
Confidence growsOne smart choice at a time
Verify before
you investUse official regulator records
→you investUse official regulator records
Learn the
essentialsPlain language, Ghanaian life
→essentialsPlain language, Ghanaian life
Use simple
calculatorsTurn goals into clear numbers
→calculatorsTurn goals into clear numbers
LEARN WITHOUT THE LECTURE
Money lessons built for real life in Ghana.
Start with the decision in front of you. Each guide is short, practical and connected to trusted sources.
8 min
PROTECT
How to recognise investment scams
Follow the money behind forex signals, betting gurus, Ponzi returns and social-media lifestyles.
7 min
GROW
Compound interest without the jargon
See how small, regular contributions can become meaningful wealth when time does the heavy lifting.
9 min
INVEST
Treasury bills, funds and shares
Learn what each asset is for, where the risks sit and how to verify the institution offering it.
VERIFY BEFORE YOU TRUST
Do not ask whether they look legitimate. Check.
First Cedi takes you directly to the regulator’s live record. A name appearing here is not a recommendation—always confirm the exact licence and the activity it permits.
Bank of Ghana
Banks & deposit-takers
Banks, savings and loans, rural and community banks, finance houses and other regulated institutions.
Open official record ↗Bank of GhanaPayment providers
Approved electronic-money issuers, mobile-money operators and licensed payment service providers.
Open official record ↗SEC GhanaInvestment firms
Licensed fund managers, advisers, broker-dealers, custodians, trustees and other capital-market operators.
Open official record ↗SEC GhanaFunds & products
Licensed mutual funds, unit trusts, private funds, ETFs, REITs and crowdfunding platforms.
Open official record ↗SEC GhanaUnlicensed entities
Check SEC notices naming entities that have promoted investments without the required licence.
Open official record ↗Bank of GhanaConsumer help
Understand your rights and find the Bank of Ghana office responsible for complaints and consumer protection.
Open official record ↗Remember: A registered company name is not the same as a financial-services licence. Verify with the regulator responsible for the exact product.
MAKE THE FUTURE VISIBLE
Your consistency has a number.
This illustration assumes a steady return, which real investments never deliver exactly. It is a planning tool—not a promise.
Enter any practical amount, including decimals. Negative returns can be modelled down to -99.99%. Contributions are assumed to be made at the end of each period.
Illustrative future value
GH₵39,973 You contribute
GH₵24,000 Illustrative growth
GH₵15,973
GH₵24,000 Illustrative growth
GH₵15,973
THE 30-DAY MONEY RESET
One month. Four foundations. A different relationship with money.
No perfect salary required. Start where you are and complete one small, concrete action each day.
Begin with day one →WEEK 01
See clearly
✓Track every cedi and calculate your true monthly position.
WEEK 02
Build safety
✓Create an emergency target and automate your first contribution.
WEEK 03
Protect yourself
✓Check debts, digital security, licences and financial promises.
WEEK 04
Start growing
✓Choose one goal, one suitable asset and a repeatable investing habit.
THE 60-SECOND SCAM CHECK
Pause when the promise is louder than the evidence.
01
Guaranteed or unusually consistent returns
02
Pressure to pay before you can think
03
Luxury screenshots instead of audited records
04
A new fee required to release your money
05
Referral income hidden behind ‘trading success’
06
No regulator can confirm the licence
TURN FINANCIAL EDUCATION INTO MEASURABLE IMPACT
Help a young person receive the money lessons many adults learned too late.
Companies, foundations, schools and professional bodies can sponsor copies of Before Money Teaches You the Hard Way, facilitated learning sessions and access to practical First Cedi resources.
Enquiries open in your email app. Online ordering will be added after print pricing and delivery options are finalised.HOW FIRST CEDI EARNS—WITHOUT SELLING YOUR TRUST
Revenue must never decide what appears “safe.”
Directories cannot be bought. No institution can pay to appear licensed, rank above another provider or remove a regulator warning.
Paid relationships will be labelled. Sponsorship supports education and distribution; it does not become an endorsement.
No commission for deposits or trades. First Cedi will not earn more because a young person borrows, bets, trades or buys an investment.
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WHY FIRST CEDI EXISTS
Financial confidence should not depend on who your parents know.
First Cedi is the free digital companion to Before Money Teaches You the Hard Way. It helps young Ghanaians find trustworthy starting points, ask better questions and build wealth without buying somebody else’s fantasy.
We do not rank financial providers, sell investments or accept commissions for referrals. Official regulator records remain the final source for licensing status.