In Nigeria, many people experience a financial cycle where their salary quickly disappears as expenses accumulate throughout the month. To stretch a salary until the next payment, the article suggests creating a detailed budget to track income and expenditures, which helps identify discretionary spending to cut back on. Buying food in bulk and cooking at home are recommended to save money compared to daily small purchases or eating out. Additionally, tracking every expense like a detective and avoiding impulse purchases can help preserve finances and prevent needless spending.