In Ghana’s modern dating culture, there’s a rising trend that many men—especially those newly navigating friendships or potential relationships—have grown wary of: the infamous “billing” culture.
For the uninitiated, “billing” refers to when a woman starts making financial requests (often subtle, sometimes blatant) shortly after meeting a man, even before any solid friendship or romantic connection is formed.
While genuine relationships can involve financial support over time, what many find troubling is the immediate expectation—where you barely know her name, and she’s already asking for airtime, momo (mobile money), or transport fare.
So, how do you identify and avoid these encounters without seeming rude or judgmental? Let’s break it down.
1. Watch out for the “soft test”
Some women won’t outright ask for money. Instead, they’ll drop hints like “I’m so broke this week” or “My phone is off, no airtime.” It’s a way to gauge your willingness to send something without directly asking. If it’s your first or second conversation and she’s already hinting, be alert.
2. Set boundaries early
Kindness is admirable, but clarity is powerful. If you sense the interaction is becoming transactional too soon, politely state that you’re not comfortable with early financial requests. A woman genuinely interested in you will understand and not take offense.
3. Test the conversation depth
Try steering conversations toward meaningful topics—goals, work, hobbies, or values. If all she seems to be interested in is what you can offer her materially, that’s your cue to step back.
4. Be wary of love bombing
A few women use heavy compliments and emotional intimacy too early to create a false sense of connection—just to make that first “urgent” request seem justifiable. Don’t confuse flattery with genuine interest.
5. Don’t fall for guilt traps
Sometimes, refusing to help may be met with passive-aggressive responses like “So you can’t even send me 10 cedis?” or “I thought you liked me.” Stay firm and remember: emotional blackmail is not affection.
What we think
Choosing not to spend on someone you just met doesn’t make you stingy or unkind. It makes you cautious—and in today’s fast-paced, digital-heavy dating scene, that’s essential.
In conclusion, not every Ghanaian woman is out to “bill” you, but the signs are easy to spot if you pay attention. True friendships and relationships take time, communication, and mutual respect—not momo transactions and surprise “I’m stranded” texts on day one.
Be smart, be kind, but above all—be discerning.
