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2020 | Zikoko!
  • Abroad Life: 8 Must-Read Stories of 2020

    Abroad Life: 8 Must-Read Stories of 2020

    Abroad Life has a special place in my heart. I’m always super happy to speak to people about their lives and how living abroad has changed the way they view things. It’s also really great to hear people’s stories and see foreigners through the eyes of Nigerians.

    Today, I’m going to be sharing the most read Abroad Life stories from 2020. They also happen to be my favourite.

    1. “Rwandan Men Are Boring, We Need More Men Here”- Tomiwa’s Abroad Life

    Today’s subject on Abroad Life is a woman who moved to Rwanda for school four years ago. She talks about how different Rwanda is from Nigeria, how Rwandans take their precious time to do everything, and how the men are so boring, she’s given up on dating.

    Read here.

    2. “Religion Ruined My Perfect Relationship” – Abroad Life

    Today’s subject on Abroad Life talks about navigating relationships as a young Nigerian man in a new environment: Canada. He talks about how he found love, but lost it because of religious differences.

    Read here.

    3. Abroad Life: We Asked 7 Nigerians The Worst Parts About Living Abroad

    The grass always looks greener on the other side. For many Nigerians who leave or plan to leave the country in search of higher education, job opportunities, welfare, closeness with family etc, that saying just might as well be tramp stamped, peeking just a little as they bend to weigh their bags at check-in.

    That said, these countries aren’t always what they seem (okay, maybe they are 85% of the time, but still). We asked 7 Nigerians their least favourite things about living abroad, and this is what they had to say

    Read here.

    4. Living in Canada Can Get Extremely Cold, Especially When You’re 29 And Single- Abroad Life

    The subject of today’s Abroad Life is a 29-year-old woman who moved to Canada when she was 11. She talks about the sudden move, the lack of community growing up, and her biggest problem in Canada: finding love. 

    Read here.

    5. Nigerians, Forget Canada. Come to the Philippines- Precious’ Abroad Life

    The subject of today’s Abroad Life went from living and studying in Anambra to moving to the Philippines where she’s a pharmacy student. She tells us why more Nigerians need to move to the Philippines and why she’s returning to Nigeria soon.

    Read here.

    6. “It’s Strange To Find A Guy In Cyprus Who Isn’t A Fraudster”- Abroad Life

    This week’s subject on Abroad Life is a 25-year-old woman who transferred from Nigeria to Cyprus for school. She talks about how underwhelming the country is, her terrible experiences with over-flirty men and the fraud epidemic in Cyprus.

    Read here.

    7. “Moving Abroad Is Not For Everybody”- WhizQueen’s Abroad Life

    Today’s subject on Abroad Life moved to Canada over a year ago. She talks about how she successfully migrated and became a permanent resident in nine months and why for some people, she thinks it’s better they stay where they are. 

    Read here.

    8. “It Gets So Lonely in London, I Cry” – Esther’s Abroad Life

    Today’s subject on Abroad Life is a 19-year-old woman who is struggling with loneliness in London. She talks about moving to a new country without friends and family and how that has affected her outlook on life. 

    Read here.


    Want more Abroad Life? Check in every Friday at 9 A.M. (WAT) for a new episode. Until then, read every story of the series here.

  • 5 Nigerian Albums From 2020 You Should Definitely Listen To

    5 Nigerian Albums From 2020 You Should Definitely Listen To

    Have you ever heard a song and gone “This shit slaps hard, how is everyone not listening to this?”. Me too.

    2020 was a huge year for music in Nigeria with breakout stars like Omah Lay and Bella Shmurda making the headlines as newcomers. We had a lot of really good albums as well; Wizkid, Burna Boy, Fireboy, Olamide and Davido dropped albums this year.

    This article, however, is for those albums that didn’t make many of the headlines but were also really really good and deserve to be heard by more people.

    1. “Mango Island”- SirBastien

    After dropping “Mango” in 2019, SirBastien decided to give us “Mango Island” in 2020. If you’re looking for something super easy to listen to as you drift through your day or just background music for your midnight crying, listen to “Mango Island” here.

    2. “The Angel You Don’t Know”- Amaarae

    Because we all know how talented Amaarae is, we expected a super album. We were not disappointed. After dropping “The Angel You Don’t Know”, Amaarae spoke to us about her life growing up and what inspired her music in this What She Said episode. Listen to the album here.

    3. “The Cost of Our Lives”- Ignis Brothers

    The first thing I thought when I listened to this album was “We need more Nigerians making music like this.” I don’t know what I enjoy more about this album; the writing or the delivery. If you’re looking for an album that has great music all through, listen to “The Cost of Our Lives” here.

    4. “Bond” – Kemena

    This album makes me feel nostalgic for something I’ve not even personally experienced. Kemena is one of the artists I’m happy to have discovered this year. One thing I also love about this album is the range of sounds it has on offer while remaining consistently good. Listen to it here.

    5. “Celia” – Tiwa Savage

    This album didn’t get the attention that it should have, so we’re telling you once again, listen to “Celia”.


  • 5 Nigerians Share What They Love About 2020

    5 Nigerians Share What They Love About 2020

    2020 has been the year known for a global pandemic, closed doors and remote working. As the year comes to an end, we ask 5 Nigerians to share the things that they loved in 2020, despite all the hindrances. 

    1. Ruth, 21

    In November 2019, I got the news that my hip bones were dying. Moving about took a lot of energy and I wanted a break. By January 2020, I was supporting my walking with crutches. Going to class was so painful.

    By March, the lockdown and ASUU strike gave me the opportunity to recover. I ate well, slept  well and had a healthier lifestyle. I even tried a plant-based diet. It’s December 2020 and I don’t need the crutches anymore.

    2. Halimah, 22 

    What I love most about 2020 is that it forced me to be around friends and relatives rather than being alone by myself. It’s been years since I felt this good about being around people. The process has been healing.

    3. Damilola, 27

    One of the things I loved about this year was how it felt like the end of the world. It made me enjoy the 2020 experience more. Whatever I was doing, I had to make it count. The sense of urgency really made me put myself out there, and I fell in love. I was in touch with every emotion and totally enjoyed it.

    4. Jonathan, 29

    2020 made me stay away from people without feeling guilty about it. The restrictions made it easier to prioritise meeting people. This allowed me to have more quality time whenever I eventually met anyone. I ended up in an amazing relationship because there weren’t so many distractions or the urgency to be in other meetings.

    5. Damola, 20

    I saw Eurovision for the first time this year and I loved it. I also discovered my dream country, Finland, and became obsessed, searching all social media platforms for someone from that country until I found a chef. Meeting a Chef made me happy because I was working towards a culinary school. I also got an awesome job and I am a few steps away from being in my dream country.

    Read Next: 5 Nigerians Share Their Best Christmas Memory.

  • What She said: 9 Of The Most-Read Stories In 2020

    What She said: 9 Of The Most-Read Stories In 2020

    The history of women across the world is unique and similar at once. In most societies, women were (and still are) relegated to kitchen duties, to caring for kids to spaces where their voices couldn’t be heard.

    But history has also shown that this hardly stops women from speaking up. Thankfully, things are changing. There’s a huge difference between the experiences of women in the 1950s and in the 2010s. Today, we have more platforms geared towards amplifying the voices of Nigerian women.

    2020 alone gave us Feminist Coalition, women at the forefront of protests against sexual assault and SARS. If anything, 2020 showed us our unity in diversity. We might be from different tribes and backgrounds, but a lot of our experiences dissect.

    What She Said, a Zikoko series that was launched to highlight some of these experiences, has documented a wide range of experiences from women of all backgrounds. In today’s What She Said, we explore some of the biggest stories in the series and why they are widely read. You want to read till the end.

    9. What She Said: I Was ‘Married’ To A Police Officer For 7 Years, Here’s My Story

    I was under the impression that I was coming to further my studies. I had heard stories about people leaving home to come to Lagos to get jobs or further their education, so I was hopeful, as well as scared. I didn’t think of marriage at all.

    In October 14, 2020, we published this story as part of our documentation of the End SARS movement. In this story, we had one major quest: if police officers and SARS oppress Nigerian citizens especially the young people who they are supposed to protect, what are they like in their homes and to their families? The woman in this story shares her own far from pleasant experience.

    8. What She Said: Why I Said No To His Public Proposal

    When women are proposed to in public, there’s usually an unfair amount of pressure on them to say “yes”. Generally speaking, there’s an unfair amount of pressure on women to get married. What kind of woman doesn’t get married? What kind of woman says no to a public proposal? Read this story to find out.

    7. What She Said: I’m 55 And Feminism Is No Stranger

    What She Said

    No one gets married at 21 these days, and no one should. When my daughter turned 21, I remember having a conversation with her. I told her to take her time looking for a husband. Marrying a useless man will derail your life in unprecedented ways. So be very picky. It doesn’t matter if you get married at 25, 30 or even 35, the most important thing is that it’s to a very good man.

    Most people seem to think all the women in older generations of Nigerian women do not care about feminism. The woman in this story proves that this is not necessarily true.

    6. What She Said: I’m Married But Moonlighting As A Sugar Mummy In My 30s

    What She Said

    What comes to mind when you think of a woman in her 30s? What comes to to mind when you think of a sugar mummy? There are a lot of stereotypes around what it means to be these two things, but the woman in this story is defying all of them.

    5. What She Said: What It’s Like to Be Divorced Before 30

    Getting married to the love of your life is the ultimate ‘happy ever after’. Most especially here, where till death do us part is taken quite literally. Divorce is never the answer, but for this 29 year old woman it was. Published in April, 2019, over 8000 people returned to read it this year. Isn’t that more reason why you should read it?

    4. What She Said: I Don’t Regret Leaving My Husband in Nigeria

    He’s still well off and living his life. He wanted us to talk about it in the beginning. He wanted me to come back. I told him I’m not a dog, I don’t eat my vomit.

    In this story, we meet a 61-year-old woman who left her family behind a few years ago to start a new life in Europe. She talks about why she left, the backlash she received and why she doesn’t regret it.

    3. What She Said: I Didn’t Expect To Be A Fourth Wife At 27 But I’m Happy

    This is one story that had a lot of readers saying “omo”. For the woman in this week’s What She Said, choosing to marry a 61-year-old man who already had three wives when she was 27, was a much easier decision for her than many people would think. She’s 29 now and walks us through the unique dynamics of her married life, her lack of regrets and life in general.

    2. What She Said: 9 Women’s Most Embarrassing Sex Stories

    When this story was first published in July 2019, only a little over 1000 people read it. Perhaps this has something to do with the fact that Nigerians are conservative and pretend not to care about sex. However, with more people talking about their sex lives, over 10k people read it this year. Here’s to more conversations about the sexual lives and health of Nigerian women.

    1. What She Said: Becoming A Housewife Was Not The Plan

    I hate that no one acknowledges how hard it is. Not even my husband because he comes home to a clean house, clean children and food in the kitchen. The last time I brought up the fact that I needed to go back to school he asked me why I couldn’t find fulfillment in raising my children. I didn’t speak to or cook for him for one month. He had to call my mum to beg me.

    Over 33,000 people read this story. Every housewife knows that being a housewife is a full-time job. Whether or not you opt-in for the role, it can be exhausting and overwhelming. But what happens when you don’t opt-in and all you can think of is opting out. Published in May 2020, what pulled a lot of people in this story was the unexpected ending. You definitely want to read it.

    Bonus stories:

    This year, we also had our very first set of non-anonymous What She Said stories and will try to explore more of this next year. Read a few of them:

    Check back every Wednesday by 9am for a new What She Said story.

  • QUIZ: How Many People Did You Sleep With In 2020?

    QUIZ: How Many People Did You Sleep With In 2020?

    2020 is almost over, and while we spent most of the year indoors, we are sure that didn’t stop y’all from increasing your body count. So, we’ve created a quiz that knows how many people you slept with this year.

    Take to find out:

  • Nigeria’s Economy Shrank 6% From April To June. What Does That Mean?

    Nigeria’s Economy Shrank 6% From April To June. What Does That Mean?

    On Monday, the Nigerian Bureau of Statistics released GDP figures for Q2 2020 (April – June), and the outcomes were not so surprising. Gross Domestic Product (GDP) decreased by 6.10% from the exact same period last year, ending a 3-year trend of low but positive economic growth recorded since the 2016/17 recession (remember that dark time when son of men would rather eat rice with dollars, not stew?).

    Fat Kids Are Shrinking

    The thing is, every fat kid in the class is shrinking. The US economy shrank by 32.9% April to June 2020, the worst on record since 1945. The UK’s trade heavy economy also deflated 20.4% within the same period, and South Africa’s reserve bank sees a 32.6% economic contraction in the 2nd quarter.

    But even though Nigeria was already the lean Kenyan (or Nigerian) marathoner in the class, the coronavirus lockdowns, particularly in April and May, is doing everyone dirty. Economies are not generally forecast to get back on their full feet until well into 2021.

    Don’t Rush, Slow Touch, Something On Something

    You probably did one of the online challenges to keep yourself sane during the lockdown. Well, thanks to you and many other benevolent Nigerians, Telecommunications (within the ICT sector), grew by 18.1% compared to 9.7% in the first three months of 2020. Meaning that the telecoms guys were cashing out dirty from our online challenges, video calls and long distance calls to loved ones during the lockdown.

    The ICT sector itself contributed N15.9 trillion to the economy, making it the only sector alongside financial services, crop production and ‘others’ to grow within within the quarter.

    Again, double your hustle, triple it if you wish. But don’t expect miracles on economic recovery until well into 2021.

    Check back every morning by 10am for more Zikoko Citizen stories.

  • Eid Fitr 2020: We Asked 5 Muslims How They Plan To Celebrate

    Eid Fitr 2020: We Asked 5 Muslims How They Plan To Celebrate
    Eid Fitr 2020

    Ramadan is officially over and with it comes Eid Fitr 2020. This year’s Ramadan has been weird and that’s putting it mildly. For many Muslims, Eid Fitr is usually a glorious celebration where you get to bond with family and friends and generally chill. With Miss Rona around, there isn’t going to be any of that this year.

    Worried about how people may be feeling, we asked 5 Muslims their plans for this years Eid.

    Hussein.

    Eid Fitr 2020

    “Well, to me, it’s just like any other day. That means I am going to be at work. No holiday for me because I work as a doctor. I’ll probably order food from one of these vendors and try to recreate that feeling of community with my co-workers. Apart from that, I have no other plans.”

    Hameedah.

    Eid Fitr 2020

    I am just going to cook, eat, and talk to my family over the phone. I stay in Abuja because of work. During Eid, I’d normally come down to Lagos to catch up with them. However, none of that this year. I have to just make do to talking to my people over the phone. I feel so so lonely being far away from them. Whatsapp call can’t replace a warm hug from people who love you unconditionally but Alhamdulilah for that option.”

    Lateefah.

    Eid Fitr 2020

    “Omo, in my house nothing has changed. We are still killing ram as usual. The main courses are still Jollof rice and pounded yam. The only difference is that we won’t invite neighbours to the house.”

    Ahmed.

    Eid Fitr 2020

    “Since we can’t pray at the mosque this year, I am going to lead the prayers at home. I had to learn how to lead the Eid prayers. My house people think I am one Alfa so they are looking to me to lead them. I have never had any reason to learn how to. I have spent the last week learning the amount of Takbeers and the surahs to recite. I have been a nervous wreck, but I’ll figure it out. What a time to be alive.”

    Maryam.

    Eid Fitr 2020

    “I am happy there’s no celebration because that means I don’t have to go home to my family. I haven’t been doing this Muslim thing for a while, but, I always have to go home during these celebrations and pretend like I am still a Muslim. At least, this year, no need to pretend. For that, I am grateful.

    I plan to read a book, light a blunt, and worship my body.

    Have you read this? A Week In The Life Of An Imam Navigating A Zoom Ramadan During Covid-19

  • A Nigerian Horror Story: Your Plans Vs 2020

    A Nigerian Horror Story: Your Plans Vs 2020

    Remember when you had grand plans at the beginning of the year? Me neither.

    Inspired by this tweet, I decided to do a timeline of my grand plans vs what 2020 did to them.

    1) This you?

    2) Goddamn.

    3) I cry everytime.

    4) Wiun.

    5) Lmaooooooo.

    6) I would have gotten away with it if it wasn’t for you meddling kids.

    7) The first avenger.

    You should read this next: Before 2020 Shocked You, Here Are All The Things You Thought You’d Have By Now.

  • Before 2020 Shocked You, Here Are All The Things You Thought You’d Have By Now

    Before 2020 Shocked You, Here Are All The Things You Thought You’d Have By Now

    1) Direction.

    What am I doing with my life? Where is my life going?

    2) Work-life balance.

    Good luck with that.

    3) Canadian P.R.

    When shall I see my home?

    4) Your own apartment.

    If not for Corona, will my parents see me to be gisting with them?

    5) Love of your life.

    Let’s try again in 2021.

    6) A better job.

    It is well.

    7) Masters admission.

    After Unilag delayed transcript, Rona now added its own.

    8) Your own car.

    God, am I not your child?

    9) Your shit together.

    God, when?

  • 13 Old Nollywood Memes That Perfectly Describe 2020

    13 Old Nollywood Memes That Perfectly Describe 2020

    2020 has been a supremely shitty year so far, with the Coronavirus basically stopping the world in its tracks. So, in a bid to find some much-needed laughter, we’ve gathered some of the best @yung.nollywood memes that describe how we are all feeling right now.

    1. This meme that aged like fried rice:

    2. When you see the 11th “BREAKING NEWS” in one hour.

    3. Coronavirus fucking up all your travel plans:

    4. Mother Nature punishing us for polluting the earth:

    5. Nigerians, once they heard they should stay in their houses:

    6. You, realising that the world will never be the same after all this:

    7. You, trying not to die of boredom at home:

    8. When someone coughs around you.

    9. You, after eating all your isolation snacks in one day:

    10. You, thinking about all the sex the virus is stopping you from having:

    11. You, every 5 minutes: “Is this the way I normally breathe?”

    12. When a rich Nigerian offers up prayers instead of money.

    13. You, realising you have to do the “work” in “work from home”:

  • QUIZ: What Will Be Your Relationship Status At The End Of This Year?

    QUIZ: What Will Be Your Relationship Status At The End Of This Year?

    2020 has been a rough year so far, but that doesn’t the world is over. People are still finding love (and getting married) in the middle of this pandemic, so don’t give up hope just yet. Let’s predict what your relationship status will be at the end of this year.

    Take and see:

  • #BumpThis: Davido’s “2020 Letter To You”

    #BumpThis: Davido’s “2020 Letter To You”

    There’s so much new music being released that it’s hard for even the most loyal fans to wade through the trash to find the gems. That’s why we’ve created #BumpThis – a Friday series that features new songs, by and featuring Nigerians, that you absolutely need to hear.


    Davido — “2020 Letter To You”

    Last year, Davido finally dropped his long-awaited sophomore album, A Good Time — a fantastic body of work that celebrated his wins, both personal and professional.

    With the project still very much in the conversation, the afropop juggernaut has now come through with “2020 Letter To You”, a solid throwaway track which he uses to offer up words of wisdom.

    On the light track, which doesn’t bear the strain of an official single, Davido advises listeners to be content and true to themselves. At less than 2 minutes long, it’s a nice little appetiser from the superstar.

  • 10 Nigerian Artists To Watch Out For In 2020

    10 Nigerian Artists To Watch Out For In 2020

    2019 gave us a bunch of exciting new stars, including Joeboy, Fireboy DML and Rema. So, as we all settle into 2020, we’ve decided to highlight 10 rising stars that we believe will dominate the music scene this year, based on their past work and unmistakable potential.

    Tems

    With the undeniable impact of “Try Me”, Tems announced herself as a star on the rise. “Mr Rebel” and “Looku Looku” — the two fantastic singles that preceded that smash hit  — also prove the exceptional singer is capable of so much more, and we can’t wait to see her deliver on all that promise. 

    Gigi Atlantis

    Last year, Gigi Atlantis dropped “Wahala On The Rocks” — one of 2019’s best and most underrated gems. Now that she’s dropped a music video, we’re hoping the song catches on, but regardless, if whatever she drops next is even half as good, then 2020 will be her year.

    Crayon

    While Rema ended up being the bigger star, he wasn’t the only afropop upstart Mavin Records introduced the world to last year. They also gave us Crayon, who quickly revealed his gifts on his astonishing Cray Cray EP. He is more than ready for his own moment in the spotlight.

    Terri

    Since he landed his big break on 2018’s biggest song, “Soco”, Terri has been releasing solid singles that hint at his potential. With the announcement of his debut project, Afro Series, it’s clear that the Starboy signee is finally ready to make a grand statement.

    Oxlade

    More than any other artist on this list, it’s clear that Oxlade is right on the cusp of becoming one of Nigeria’s biggest stars. With every new song and feature, it becomes harder to imagine a future without Oxalde at the forefront of the afropop revolution. 

    BUJU

    With the success of his Zlatan-assisted hit, “Spiritual”, BUJU shot to the top of the list of ‘stars to watch’. Since then, he’s dropped other singles that show just how skilled he is at crafting earworms — a gift that will surely help make his 2020 domination a veritable cakewalk.

    Tolani

    At the start of 2019, Tolani teamed up with Reekado Banks for her biggest song yet, “Ba Mi Lo”.  She then followed it up with two equally refreshing singles, “Liar” and “Maybe Baby”. A breath of fresh air in our overcrowded afropop landscape, the r&b star deserves superstardom. 

    Oladapo

    While JoeBoy became emPawa’s breakout star, he wasn’t the only gifted artist that got the Mr Eazi seal of approval. Oladopo was one of the initiative’s most exciting picks, dropping the underrated “Gbe Bodi”. If he maintains that quality, he will become a household name in no time

    https://www.youtube.com/watch?v=oA8sxCd8Xwk

    Lyta

    2019 was a really great year for Lyta. He scored a smash hit, “Monalisa” and landed one of Davido’s strongest features. With all that momentum, the afropop star should be able to make a real name for himself this year, as long as he continues to drop infectious hits. 

    MOJO

    The charismatic MOJO broke out with one of 2019’s most essential anthems, “Chop Life Crew”. He then followed that up with the party-starting banger, “Shawarma”. Both songs not only showcase his range, but they also make a great case for his mainstream dominance.

  • How To Pick A Nigerian Bank That Won’t Kill You

    How To Pick A Nigerian Bank That Won’t Kill You

    Are you in an abusive relationship with your financial provider? – Do atrocities range from unwarranted debits to dubious card maintenance fees? does it also include sending N5.42k interest every month, to even just generally being unfortunate? – come along as we share the best tips on how to avoid rubbish. 2020 must obey.

    1) Violently say no to friends/family members/enemies that beg you to open accounts so they can meet a target

    From my experience, this never ends well. If you had to open a compulsory Nysc account you have an idea of what I am talking about.

    2) If the bank name contains the letter A, brethren please run

    Don’t ask us how we know this. It is known.

    3) If they are active on social media, run

    The only thing social media handlers know how to do is say: “We are sorry for the inconvenience, we are looking into it.” Sorry for yourself.

    4) If they are not active on social media, run

    Where do they expect us to lodge our complaints? They are not in touch with young people.

    5) If they keep offering you a payday loan/ car loan/ study loan, pls run

    On what salary for goodness sake?

    6) Red flag – if they organize like a yearly festival or a show or anything outside of the banking activities

    They will funnel all your hard-earned naira towards paying for these events.

    7) If they don’t organize yearly festivals and shows – throw them away

    Where do they expect us to meet young, fun people, and also take dope photos?

    8) If one of your parents used the bank during their youth, do we still need to advise you on what to do?

    Goodluck complaining to members of staff in a bank that is as old as your parents.

    9) See, apart from running from banks, pack your bag and run from this country

    In all honesty, this is the only chance of survival and eventually picking a stressless bank because everything here is trying to kill you.

  • 4 Money Habits To Include In Your New Year Resolution

    4 Money Habits To Include In Your New Year Resolution

    All your life you have struggled with saving money and being financially independent? Every year, you make resolutions to improve but you give up midway and revert to your old ways. If this sounds like you worry no more, we have four not so difficult steps to guide you on the road to monetary freedom.

    1. Learn to budget

    If there is one thing you should include in your plans this year, it is tracking every single kobo you spend. Every single naira that goes in and out of your wallet should be audited and accounted for. No free money this year(wails in black tax). Anyone that needs money should call three months ahead so they can be included in your budget. Unplanned expenses are the single greatest source of financial disasters. Congregation, can I hear you say no impulse buying this year?

    *Suddenly not so proficient in excel*

    2. There is no passive income!

    Any talent you can monetize, this is the year. From cooking to writing, and occasionally sleeping with other people – put a price tag on it! Seriously, think about any skill you currently offer for free and improve on it so you can make it a proper side hustle. One of the ways to achieve financial mobility is to increase your income.

    *Addicted to cash*

    3. Have an incase Nigeria goes to hell funds

    If you can afford to (no responsibilities or absence of black tax), you should start to have a rainy day fund. If you earn enough to afford it, you should put away some percentage of your salary as an emergency fund because life is weird. Apart from your savings or investments, this is a good way to prevent unplanned expenses from resetting you back to brokeness land (I have been there and back I can show you vouchers).

    4. There is always rice at home

    The difference something as little as cooking your own food makes is enormous. Packing food to work can help you track your expenses and see what you spend money on outside of food. Also, learning to say no to the extra demands of owambe will greatly improve your financial outlook. Anything that is not important should be reviewed and immediately removed (Especially that gym subscription. We all know that summer body doesn’t count in heaven).

    *Chicken Republic who?*

    To make all of this work, a hack is to learn to forgive yourself. If you slip, take it as a bad day, and attack your goals with renewed vigor the next day.