Learn Money the Smart Way

Financial literacy for young adults in Ghana

Take control of your financial future with our comprehensive course designed specifically for young adults and first-time earners in Ghana. Learn essential skills in saving, budgeting, and responsible mobile money usage to navigate Ghana's evolving financial ecosystem.

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About Unaccustomedly

Unaccustomedly was founded in 2018 with a clear mission: to empower young Ghanaians with the financial knowledge they often don't receive in traditional education. Our team of financial experts, educators, and technology specialists work together to create accessible, engaging, and relevant financial literacy programs tailored to the unique needs of Ghana's emerging workforce.

We recognized a critical gap in financial education among young adults entering the workforce for the first time. Many were struggling with basic money management, falling into debt cycles, and missing opportunities to build wealth early. Through research and community engagement, we developed a curriculum that addresses these challenges head-on.

Our mission visual representation

Our Mission

To transform financial understanding among Ghana's youth through practical, culturally-relevant education that empowers economic independence.

Our vision illustration

Our Vision

A Ghana where every young adult possesses the financial literacy tools to make informed decisions, creating a more economically stable and prosperous society.

Our core values

Our Values

We believe in accessibility, cultural relevance, innovation, integrity, and community partnership as the foundation of effective financial education.

Our Workshops

Our specialized workshops are designed to make financial literacy accessible and engaging for young adults in Ghana. Each workshop combines theoretical knowledge with practical exercises, real-world case studies, and interactive learning experiences.

Budgeting workshop

Budgeting Basics

Learn essential budgeting techniques tailored to Ghana's economic environment. This workshop covers income tracking, expense categorization, and creating sustainable spending plans that work with local market conditions.

Duration: 3 sessions (2 hours each)

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Mobile money workshop

Mobile Money Mastery

Navigate Ghana's booming mobile money ecosystem with confidence. This hands-on workshop covers secure transactions, avoiding fees, comparing providers, and leveraging mobile money for savings and business.

Duration: 2 sessions (3 hours each)

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Saving strategies workshop

Saving Strategies

Develop practical saving habits that work with Ghanaian income patterns. Learn about traditional susu methods, modern banking options, goal-setting techniques, and how to overcome common saving obstacles.

Duration: 4 sessions (2 hours each)

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Workshop Schedule & Locations

Our workshops are held in Accra, Kumasi, Takoradi, and Tamale on a rotating schedule. We also offer virtual options for those unable to attend in person. New workshops begin every month, with evening and weekend sessions available.

Workshop Materials & Resources

All participants receive comprehensive workbooks, digital resources, and access to our mobile app with calculators and tracking tools. Materials are available in English, Twi, Ga, and Ewe to ensure accessibility across Ghana.

Scholarship Opportunities

We believe financial education should be accessible to all. Through partnerships with local businesses and NGOs, we offer full and partial scholarships for our workshops. Priority is given to first-time job seekers, university students, and entrepreneurs from underserved communities.

Our Research

At Unaccustomedly, we believe that effective financial education must be grounded in solid research. Our team continuously studies Ghana's unique financial landscape, emerging trends in mobile banking, and the specific challenges facing young adults in today's economy. This research informs all our educational materials and approaches.

Youth finance study

Youth Financial Behavior Study

Our landmark 2022 study surveyed over 2,000 Ghanaians aged 18-30 about their financial habits, challenges, and goals. The results revealed significant knowledge gaps in budgeting fundamentals, with 67% of respondents reporting no formal financial education and 82% expressing anxiety about financial decision-making.

Download Report
Mobile money research

Mobile Money Impact Assessment

Our ongoing research tracks how mobile money adoption is changing financial behaviors among young Ghanaians. We've documented a 45% increase in saving rates among those who received our mobile money education, alongside significant improvements in expense tracking and reduction in impulse spending.

View Findings

Upcoming Research Initiatives

Financial Resilience Study

Examining how young Ghanaians navigate financial emergencies and identifying effective preparation strategies.

Gender Differences in Financial Education

Investigating how financial knowledge, confidence, and behavior differ between young men and women in Ghana.

Digital Financial Services Adoption

Tracking barriers and enablers to digital financial service adoption among rural and urban youth.

Success Stories

Discover how our financial education program has transformed the lives of young adults across Ghana, giving them the confidence and skills to manage their money effectively.

Kofi's success story

Kofi's Journey to Financial Independence

"Before joining Unaccustomedly, I was spending every cedi I earned. Six months after completing the Budgeting Basics workshop, I've saved enough to start my small electronics repair business. The mobile money management techniques completely changed how I handle money."

Kofi Mensah - Electronics Technician, Accra

Ama's success story

Ama's Debt-Free Achievement

"I was drowning in small debts from impulsive purchases and mobile loans. The Saving Strategies workshop gave me practical tools to break the cycle. Within a year, I cleared all my debt and now have an emergency fund for the first time in my life!"

Ama Boateng - Administrative Assistant, Kumasi

Kwame's success story

Kwame's Business Growth Story

"The Mobile Money Mastery workshop transformed my small market business. I now accept digital payments, track my inventory expenses, and separate business and personal finances. My profits have increased by 40% because I can see exactly where my money goes."

Kwame Ofori - Market Vendor, Takoradi

Share Your Success Story

Financial Learning Resources

We've curated these trusted resources to supplement your financial learning journey. From Ghana-specific guidance to global best practices, these tools can help you continue building your financial literacy skills.

Bank of Ghana Financial Literacy Resources

The central bank's educational materials on banking, saving, and understanding Ghana's financial system.

Visit Resource

Ghana Investment Promotion Centre

Information on investment opportunities and financial growth strategies specifically for Ghana's economy.

Explore Options

Mobile Money Security Guidelines

Essential security practices for safely using mobile money services in Ghana, with tips on avoiding common scams.

Learn More

Ghana Youth Employment Agency

Resources for young Ghanaians seeking employment and income opportunities to build financial stability.

Visit Website

Financial Calculators Suite

Interactive tools to calculate savings goals, loan repayments, and budget planning specifically calibrated for Ghana's economy.

Use Calculators

Ghana Microfinance Institutions Network

Information about microfinance options for young entrepreneurs and small business owners in Ghana.

Learn About Microfinance

Join Our Financial Community

Learning about money works better together. Our community brings together young Ghanaians who are committed to improving their financial futures through shared knowledge, support, and accountability.

Savings Circle meeting

Savings Circles

Our modern take on traditional susu groups brings together 8-10 young adults who meet weekly to support each other's savings goals. Facilitated by a financial coach, these circles combine accountability with education in a supportive environment.

Join a Circle
Online forum discussion

Online Discussion Forum

Our moderated online community provides a safe space to ask questions, share experiences, and get advice about money management. With specific sections for budgeting, mobile money, entrepreneurship, and more, you'll find support for your specific financial journey.

Join Forum
Monthly community meetup

Monthly Meetups

Each month, we host free community gatherings in major cities across Ghana. These events feature guest speakers, networking opportunities, and practical workshops on timely financial topics. It's a great way to connect with other financially-minded young adults while continuing your learning journey.

Upcoming Meetups:

  • Accra: Last Saturday of each month
  • Kumasi: First Friday of each month
  • Takoradi: Second Thursday of each month
  • Tamale: Third Sunday of each month

Recent Topics:

  • Starting a Side Business While Employed
  • Navigating Family Financial Expectations
  • Mobile Money Fee Optimization
  • Building Credit Without Debt
RSVP for Next Meetup

Recognition & Awards

Our innovative approach to financial education has been recognized by leading organizations both in Ghana and internationally. These honors reflect our commitment to excellence and impact in financial literacy.

Financial Innovation Award

Financial Innovation Award 2022

Awarded by the Ghana Banking Association for our mobile-first approach to financial education that reaches underserved young adults.

Social Impact Award

Social Impact Award 2021

Recognized by the Ministry of Youth and Sports for demonstrable improvement in financial behaviors among program participants.

Education Excellence Award

Education Excellence Award 2023

Presented by the African Education Coalition for our culturally-relevant curriculum design and measurable learning outcomes.

We're honored to be featured in:

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Join Our Team

We're looking for passionate individuals who believe in the power of financial education to transform lives. Join our diverse team of educators, finance professionals, and community builders working to improve financial literacy across Ghana.

Current Openings

  • Financial Education Facilitator - Lead workshops and community events in Accra and Kumasi regions.
  • Curriculum Developer - Create engaging, culturally-relevant financial education materials.
  • Digital Marketing Specialist - Help us reach more young Ghanaians through social media and digital channels.
  • Research Assistant - Support our ongoing studies of financial behavior and education impact.
View All Positions
Our team culture

Our Culture

At Unaccustomedly, we believe in creating a workplace where innovation, passion, and impact drive everything we do. Our team members enjoy flexible working arrangements, continuous learning opportunities, competitive compensation, and the satisfaction of making a real difference in people's financial lives.

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Internship Program

We offer 3-6 month internships for university students and recent graduates interested in financial education, community development, and social entrepreneurship. Interns gain hands-on experience while making meaningful contributions to our mission.

Apply for Internship

Impact Case Studies

Our work creates measurable change in the financial lives of young Ghanaians. These case studies demonstrate the real-world impact of our financial education programs across different communities and demographics.

University campus program

University of Ghana Campus Program

We partnered with the University of Ghana to deliver our financial literacy program to over 1,500 final-year students preparing to enter the workforce. Six months after graduation, participants reported:

  • 73% established emergency savings accounts
  • 68% created and maintained monthly budgets
  • 82% felt more confident in financial decision-making
  • 45% reduction in reliance on high-interest loans
Read Full Case Study

Kumasi Market Vendors Initiative

Working with 200 young market vendors in Kumasi, we provided specialized financial education focusing on business/personal finance separation and mobile banking optimization. After one year, participants achieved:

  • Average 32% increase in business savings
  • 92% adoption of digital record-keeping systems
  • 63% reduction in cash handling costs and risks
  • 28% average increase in reinvestment capacity
Read Full Case Study
Market vendors initiative
Rural youth program

Rural Youth Financial Inclusion Program

Our mobile education unit brought financial literacy training to 12 rural communities in northern Ghana, reaching over 800 young adults with limited access to formal financial services. Program outcomes include:

  • 85% opened their first formal savings account
  • 76% reported using mobile money for safe saving
  • 54% started informal savings groups with peers
  • 38% accessed agricultural microloans for the first time
Read Full Case Study

Behind the Scenes

Get to know the dedicated team and thoughtful process behind our financial education programs. We combine deep financial expertise with innovative teaching approaches to create transformative learning experiences.

Curriculum development

Curriculum Development Process

Our educational materials aren't created in isolation. We bring together financial experts, educators, young adults, and community leaders to ensure our content is accurate, relevant, and engaging. Each module undergoes extensive testing and refinement based on participant feedback before becoming part of our official curriculum.

Facilitator training

Facilitator Training

Our workshop facilitators undergo a comprehensive training program that goes beyond financial knowledge. They learn participatory teaching methods, cultural sensitivity, and how to create safe learning environments where young adults feel comfortable discussing money matters. Our facilitators receive ongoing coaching and professional development to continuously improve their skills.

Meet Our Leadership Team

Leadership team member

Abena Mensah

Founder & Executive Director

Leadership team member

Kwesi Owusu

Director of Education

Leadership team member

Gifty Addo

Research Director

Get in Touch

Contact Information

Phone: +233 54 620 1198

Address: 15 Spintex Road, Accra, Ghana

We also have satellite offices in:

  • Kumasi - 15 Prempeh Street
  • Takoradi - 7 Harbor Road
  • Tamale - 12 Dagomba Road

Office Hours

Monday to Friday: 9:00 AM - 5:00 PM

Saturday: 10:00 AM - 2:00 PM (By appointment)

Send Us a Message

Our office location map