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I Idolised a Nigerian Politician and Almost Lost Myself
I’d just published this story about an apprenticeship gone wrong when Tunrayo* reached out, saying she’d had a similar experience with a Nigerian politician who’d been her role model since she was 9.
She talks about finally getting the opportunity to work with this politician, abandoning her family, enduring abuse, and almost losing her identity and life to her work.
As told to Boluwatife
Image designed by Freepik
I became fascinated with a particular Nigerian politician at 9 years old. Fascination doesn’t even begin to cover it. I was obsessed. I even had pictures of the woman in my room.
Let me tell you how it started. I decided I wanted to be a journalist pretty early in life. I loved watching the news and following political stories. Though a businessman, my dad knew a lot about the political happenings in my home state. That’s how I got to know this politician. Biodun* was a prominent political figure in my state at a time when it was almost impossible to see women at the forefront of politics. She was 20 years older, but I wanted to be like her.
I admired and wanted to be like Biodun so much I’d write short notes about my admiration and paste them on the noticeboard at the mosque. Biodun was partly the reason I didn’t study in the UK. I graduated from secondary school around 2010 and had already secured admission to the UK — not for journalism, though. My dad thought studying law was better.
Just before I was meant to travel, my dad changed his mind and decided I’d better go to school in Nigeria instead. His reason? Biodun also studied in the UK and was a chain smoker. He knew how much I idolised her and feared I was ready to imitate this woman in everything, including smoking. He was right because I did get into smoking years later because of her, but we’ll get to that.
Eventually, I got admitted to study law at one of the universities in my state. Ironically, that brought me closer to Biodun — it was the same state she worked in. By then, my obsession had grown to commenting on all her social media posts and fighting everyone with anything negative to say in the comments. I followed every single thing she did. I started calling myself a “Biodunist” and made her picture my wallpaper on everything I owned. She was also my display picture on all my social media accounts — the love was that deep.
It was politics that finally brought me the opportunity to meet her. My penchant for writing led me to work for several media houses as a student, and I regularly wrote articles criticising the state government in power. This made me well-known to some members of the opposing political party in the state, and I became friends with many of them. I also became active in student union politics and championed several causes to ensure female involvement in school politics.
In 2014, I organised a female conference and magazine launch to highlight women doing great work in their fields. Of course, Biodun had to be the face of the magazine. I repeatedly sent several invitations to her via Facebook, but I didn’t get any headway until someone I knew from my political activities gave me her contact. Surprisingly, Biodun responded, and we started chatting on BlackBerry Messenger.
I couldn’t believe my luck. It was my chance to impress her, and I tried my hardest. She loves rap music — BBM had a thing where you could see what people were listening to, so I started listening to Nicki Minaj and Drake because she did, too. One time, we were chatting about Game of Thrones during exam season, and I’d literally leave my books to watch new episodes so that I could respond if she talked about the series.
Biodun wasn’t in office at this point, but she planned to run again in 2015, and I somehow became involved in her campaign. She knew I was her staunch supporter and that I knew my way around politics. So, she sent me a data modem and tasked me with creating social media accounts for her campaign.
I should note that we hadn’t met at this point, and I wasn’t being paid, but it felt like I was part of something great. I bragged about my work with her to everyone who cared to listen. I went for Hajj that year, and instead of praying for myself or my family, I stood in front of the Kabba praying for Biodun to win the election. I cried like a baby when she lost the party’s primary elections.
Remember that conference I organised? She didn’t come, even though she promised she would. She sent a representative instead, but I couldn’t stay angry with her for long. Especially since she came through for me some months later when I got into trouble with the police because of my outside-school political activities. She promised to send lawyers if I wasn’t released. It didn’t get to that, but I took that assurance as her reciprocating my love for her. And my loyalty tripled.
We still kept in touch when I went on to law school. She’d always tell me how stressful work was for her since she didn’t have a personal assistant, and I’d respond by saying I wished I was there to help her. I moved into her house immediately after my final exams in 2017 and resumed work unofficially that same night. I say “unofficially” because no one gave me an appointment letter. I was supposed to go home — my mum had even booked a flight for me, but I refused to leave her side.
Biodun was planning to run for governor in 2023, and I was tasked with building a roadmap for her to get there through humanitarian initiatives, charity, and the like. That became my life’s work. In my head, I was going to help make a difference in the state.
My daily schedule involved waking up around 11 a.m., going to Biodun’s study, and working with her until 3 a.m. I lived in the same room with her maid and slept on a bunk bed. They also had a dog in the maid’s room who peed everywhere, which meant I couldn’t observe my daily prayers regularly.
I ate once a day in Biodun’s house — only breakfast, and that was typically bread and eggs. I rarely ate more than once a day, and that happens if the maid brings food to her study and Biodun tells me to come and eat. That wasn’t often because she did a lot of diet fasting. I also wasn’t being paid, so I sometimes called home for money so I could buy food. Looking back at it now, it was a far cry from my privileged background, but I didn’t see it at the time. I was working with my idol, and that was all that mattered.
It also didn’t matter that I took monthly flights with my own money during NYSC year for monthly clearance just so I could keep living with Biodun even though I was posted to a different state.
Our schedule got a lot tighter in 2018 because of the preparations for the general elections the following year. Biodun wasn’t contesting, but she needed to ingratiate herself with the party, and she handled many campaign efforts and empowerment projects in our state on behalf of the presidential candidate.
We flew together everywhere. I was always in the car with her, never more than a few feet away. No jokes; I followed her into the toilet several times and even helped her dress up. I was the one carrying campaign money and following her up and down. People began calling me her PA, and it thrilled me.
If you know anything about politics in Nigeria, you know there’s never a shortage of enemies. Biodun’s house was always full, with different people going in and out. That crowd got bigger with the campaigns, and we began killing a cow daily to cook for people. I was the one handling money, and sometimes, when she directed me to give someone money to buy something, I’d naively exclaim that the item shouldn’t cost that much. That brought me a lot of enemies.
There was also a lot of backbiting and passive-aggressiveness going around, and I soon started feeling unsafe. I had to bring some friends to come live with me because I worried about even eating food at the house. I’m honestly not sure if I was attacked because I was found unconscious one day with my three cats dead beside me and three random scars on my back. This was just before the elections in 2019, and I’d briefly returned to my family home. I was hospitalised for a week, and after I was discharged, I still returned to Biodun’s house despite pushback from my family.
2019 was also the year my eyes started to “clear”. Biodun landed a ministerial appointment and got an actual PA. I didn’t mind it because I thought there was a way personal assistants were supposed to dress or look, and I didn’t fit that position. Where did I even want to see money to buy good clothes? I was literally dressing like a maid back then. But that wasn’t the only thing that changed.
I’d always known Biodun had temper issues — she was known for screaming at people and throwing objects, but I always knew to avoid her when she was in a mood, so I was hardly the focus of her outbursts. But the night before a dinner to celebrate her appointment, she called me a stupid person and threw a remote at me because I couldn’t find golden spoons to rent for the dinner.
ALSO READ: Nigerian Women Talk About Navigating Harassment in “Safe” Spaces
We also went from working closely together to hardly speaking to each other. We were still living in the same house, but there was now a PA and several DSS officers around her and I couldn’t just approach her.
Those first few weeks after her appointment, I felt like I was just floating around—going to the office and returning to the house with no sense of direction. After a while, I was officially given a title as research and policy assistant and a ₦150k salary, but I didn’t feel like part of the team.
I’d thought the ministerial position would provide an opportunity to work on the projects Biodun and I had discussed as her roadmap to governorship, but she was no longer interested. We’d planned to start a recycling project, but that got abandoned. She’d also placed someone on a scholarship but suddenly stopped paying the fees and ignored prompts about it.
Around the same time, she bought aso-ebi for everyone in the office for someone’s wedding. People would reach out for help, and we’d ignore them, but if the person died, we’d send cows and visit for optics. I didn’t recognise who she’d become, and I felt betrayed. What happened to the visions and the people we used to go see back to back during the campaigns?
It suddenly became like I didn’t know how to do anything anymore. Biodun would scream at me and insult me in full view of everyone for the slightest thing. I wasn’t allowed to leave the house or office without permission. One time, I went to the mosque, and when she didn’t see me in my seat, it became an issue. I was also working long hours. I had to get to the office before 9 a.m. and only leave after she had left. Sometimes, I’d return home by 9 p.m. only to continue working till well past midnight.
The office politics was even worse. People who work in government offices have the opportunity to go on training programs with an estacode allowance (or travel allowance) to cover any expenses. Biodun’s chief of staff made sure he was the only one who went for those programs. He actually didn’t even go for most of them; it was the allowance he wanted.
In 2020, I summoned the courage to leave Biodun’s house. I rented an apartment but had to lie to her that it was my friend’s place, and I just wanted to visit her during the weekends. That was how I packed my things small small till I moved into that apartment.
Moving out was a lifesaver. I really began to see how I’d grown into a shadow of myself. I could cook and eat without worrying about going out to buy food and having to explain where I went. I should mention that my mum had been worried about me for a long time. My dad had passed away at this point, and she expected me to return home to manage his business, but I couldn’t even visit. I was also constantly taking money from my trust to survive. She didn’t understand why I just couldn’t leave.
The final push I needed to leave came during the EndSARS protests. I wasn’t allowed to join because I worked for the ruling government, but it was a cause that affected me. My younger brother was a victim of these SARS officers, and it was personal to me. So, I’d sneak out of the office to attend protests. I could do that because the presidency had directed most officials to return to their states to try to diffuse the tension.
On social media, Biodun formed solidarity with the youths, even helping project the #5for5 demands. But on a WhatsApp group with other party members, she was inciting people to throw curses on the youths for protesting and claiming a political opponent sponsored them. I was appalled by it all and even got into a public argument about it on the WhatsApp group until some people reached me privately and called me to order. I was so disappointed and ashamed. This wasn’t the Biodun I knew and admired.
The presidency also called for stakeholders to present reports about the protests, and I attended one to get pointers on how to prepare Biodun’s report. You won’t believe no one talked about the lives lost at the Lekki toll gate or the damaged properties. The “stakeholders” were rather discussing contract approvals.
I think that was the point I became disillusioned with the whole thing and decided I was leaving for good. I did leave sometime later during a meeting with Biodun and some other staff. They were complaining about something I supposedly did wrong, and I just stood up, plugged in my headphones and walked out.
Four years later, I’m still glad I left when I did. I can finally breathe. Since then, I’ve grown in the political space and have done important work that I care about. I also manage my dad’s business now.
I can make friends with whomever I want. I couldn’t do this while working with Biodun because I wasn’t allowed to talk to anyone connected with other politicians. She also made me write damaging and insulting articles about other people, and I regret being used to do so much of her dirty work, but I’m moving on from that.
Most importantly, I’ve grown, and I now know my worth. I wasted so many years of my life following someone mindlessly, but I know better now, and no one can make me go through that again. I don’t have any political leader because I can’t do that running up and down for someone else anymore. I’m grateful for my family and appreciate how much they stood by me while I figured things out. I’m in a better place now, and my experience has taught me to treat people with respect. I know how it feels to be treated like shit, and I have a responsibility to make sure I don’t pass that on.
For every young person aspiring to get into politics, it’s important to develop yourself first before putting yourself under someone else because reaching your full potential will be difficult that way. Also, don’t trust any politician. They change.
*Names have been changed for anonymity.
NEXT READ: The #NairaLife of an Apprentice Who Wants Out of the System
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The Cost of Being A Groomsman, According to Six Nigerian Men
We’ve established that bridesmaiding is an expensive venture for Nigerian ladies, as they shell out as high as ₦800k to be a part of the intending bride’s bridal train. But what does it look like for their counterparts, the groomsmen?
Considering that men don’t have to spend extra money on glamming up their faces or sewing expensive owambe styles, one might assume that their expenses should be significantly lesser and budget friendly. But to confirm, we asked six groomsmen about the costs of being a groomsman and their stories are proof that “weddings” are expensive for everyone involved.
Taiwo, 30
Highest spend: ₦280k
The most recent wedding I was a groomsman at was in April. A friend of over 10 years was getting married. He was also my groomsman when I got married, it was only right that I returned the goodwill. The wedding was outside Lagos, so we had to sort out accommodation. We got a shared apartment for ₦150k per night, and it was shared among five occupants. I paid ₦60k for me and my wife. Apart from my outfit material , my wife also had to wear the theme cloth of the day, so that was about ₦90k on materials and another ₦50k on tailoring. Another ₦50k went into getting new shoes for me and my wife, and I contributed ₦30k for the couple’s gift.
For me, I always ask myself some questions before I commit to the financial burden of being a groomsman.
“How close are we? Can the person do the same for me?” Once I have my answers, I make a decision. I’ve politely turned down several requests in the past.
Deji*, 30
Highest spend: ₦1.25 million.
I spent this much because I wasn’t just part of the groomsmen, I was the best man. The groom had come through for me in so many ways too —he’s my guy, but also like a mentor and older brother.
The wedding was in Benin, so I spent ₦80k on flights — this was in 2022. We wore two traditional outfits and one suit, and I paid ₦125k for all three. ₦40k went into accommodation, and another ₦150k for spraying the couple at the party. As groomsmen, we also had to chip in ₦250k for gifts for the couple. The bulk of my spend — ₦600k — was a personal cash gift to the couple.
To be honest, my finances took a hit, but I wouldn’t have had it any other way;he’d have done the same or more for me.. Right now, a friend’s impact on my life and my current earning power will determine how far I’m willing to go for them.
Feranmi*, 31
Highest spend: ₦125k
As a groomsman, I had to pay ₦50k each for suits. The groomsmen were also required to wear white agbada for the traditional ceremony. I didn’t have one, so ₦22k went into that. The wedding was in Ibadan, and I had to make a trip down from Lagos. Thankfully train tickets were quite cheap at the time,so I only spent about ₦4k on transportation.
When I got to Ibadan, I realised that the groom didn’t make plans for accommodation so ₦30k went into paying for a -2day hotel stay.
As a groomsman, you also want to spray the groom on the dance floor. I think I withdrew about ₦20k for that. The whole expense came down to over ₦125k which was a huge sum to me in 2022. I literally spent a third of my house rent on groomsman duties. But the groom was my guy guy, so I didn’t bat an eye going all out like that.
Although my finances have significantly picked up these days, you have to be a very close friend before I agree to be one of your groomsmen. Otherwise, I’ll just send in a cash gift of ₦15-₦20k, which is a fraction of whatever I’d have spent as a groomsman.
Hammed*, 25
Highest spend: ₦200k
The wedding was outside of Lagos and I travelled by road to Osun. I spent about ₦200k on sewing the different clothes to be worn. This was a significant amount for me at the time as I had barely started working and didn’t have a huge savings.
When I got to Osun, I barely had money left to spend on anything. Thankfully, I didn’t have to worry about accommodation. We all slept in a large hotel room, courtesy of the groom.
I wouldn’t say the costs had a huge effect on my finances as I was able to make any money spent back, . However, I didn’t envisage that I’d have to be part of so many activities before and during the ceremony. I anticipated a fun experience, but it was hard work all through. I don’t regret it. And while I can’t even confirm the groom would do the same for me, I’m sure he is a valuable friend in several other ways.
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Ayo, 30
Highest spend: ₦230k
I was a groomsman and best man for the wedding. The groom and myself are good friends. I escorted him to buy his ring, and even planned his engagement, so at that point it was settled I was going to be the best man. The whole time I wasn’t thinking about the financial implication of things. I just wanted to make sure my friend had the best day he could.
Majority of the expense went into our clothes. I spent ₦70k on a three-piece tux, and another ₦30k went into a new pair of shoes. We also had to wear white for the traditional ceremony, but thankfully I had one and didn’t have to incur extra cost. The wedding was in Akure, so travel expenses by road came to about ₦30k. There was also ₦100k that went into spraying money.
I still approach groomsmen requests with graciousness. I look at the relationship I have with the groom;I don’t take it for granted that someone finds me worthy to play a special role in their day. If it’s beyond my budget, I politely decline and offer a modest cash gift to support the groom.
Jaiye*, 28
Highest spend: ₦180k
A friend got married last year and he needed me to be a part of his “agbada men”. I’m not sure if agbada men and groomsmen are the same thing, but we didn’t have to pay for suits. It was just one outfit for the wedding and that seemed fair enough. The material was ₦50k and it came with a custom-made beaded velvet cap for ₦15k. I spent another ₦15k on sewing and ₦20k on shoes. The agbada men also planned a surprise bachelor’s eve for the groom so we had to contribute ₦30k each to make that happen.
The wedding was in Badagry, so I made plans with a neighbour who offers private cab services. ₦50k went into the transport expense because the man had to wait to take me back. The whole expense came to around ₦180k and I wasn’t proud of my financial decision because the guy wasn’t even a close friend like that.
Now, once I get an inkling that your groomsmen ask is nearing a ₦50k budget, I politely decline and send a monetary gift. Maybe ₦10-20k.
Read this next: How To Plan a Wedding in Tinubu’s Economy, According to Wedding Planners
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What to Do When Your Middle Name Is “Onigbese”
As a chronic, unapologetic onigbese, does shame not visit you?
We’ve told everyone, your partner and debtees, what to do when you refuse to pay back your debts. Obviously, that hasn’t worked, so sit down and let us advise YOU on what to do when you’ve been stung by the bug of onigbese-ism.
Break coconut on your head
You’ve refused to pay back the money you owe, so obviously, you have a coconut head. We suggest you go head to head with an actual coconut and hope the impact will reset your brain and nerve endings, and you’ll do what’s right.
PS: If you land in the hospital and you call our name, we’ll deny you like newly elected politicians deny their wicked godfathers.
Wash your head with coconut water
After the much-needed factory reset, this’ll cleanse you of all rubbish behaviour, like holding on to people’s hard-earned money simply because you can.
Print “onigbese” on a t-shirt and make it your uniform
Since you can’t stop kidnapping people’s money, buy a plain T-shirt, print “I’m an onigbese” on it, and wear it around town. That way, people already know you can’t be trusted, and the next time people want to get into business with you or you ask for a loan, they’ll know what they’re getting into and flee.
Find shame
It’s public knowledge that you can’t shame the shameless, and there’s no one as shameless as an onigbese. But please, find shame so when people start dragging your name and everything you hold dear through the mud, you can feel it and finally pay them.
Beg for forgiveness
Make a list of all the people you owe and how much you owe them, and go on an apology tour. Just make sure you take their money with you before they drag you to Kirikiri for wasting their time.
Beg the police to arrest you
Take yourself to the nearest police station and beg them to put you in handcuffs and drag you into a cell. If you’re in the cell, you won’t see the people you’re currently owing money or anyone new to owe. And hopefully, when you come out, the fear of all you endured in the cell will lead you down the right path, one that isn’t filled with debt, shame and embarrassment.
Disappear
We know you. You’re probably not going to do anything we’ve said. Just pack your bags, leave the country, make sure you lay low for the rest of your life and tell your children to get ready to break generational curses. This is because the people you’re owing will swear for you, and at least one will work.
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QUIZ: What Is the Price of Your Love?
Get a free ticket to Strings Attached and enjoy a feel-good evening of music, dancing and games at Muri Okunola Park, Lagos on May 11, 2024.
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You Can Still ‘Spray’ Money at Your Fave’s Owambe. Here’s How
The Nigerian authorities can try all they want, but they can’t kill the vibes at owambes But since spraying money is now a crime that can potentially land you in jail for six months, we’ve found some ways to get around it.
Do transfer
The downside of this is that you can’t spray your ₦2000 broken into ₦100 notes in peace. You’ll probably have to send as much as ₦5k so that the celebrant can see that you rate them.
Envelope it
Let’s bring back how our parents gave out cash gifts before this money spraying wokeness. Find the celebrant before you leave the party and press the envelope into their hands.
Collection basket
If you’re throwing a party soon, a collection basket is one more thing you need to make plans for at your event. Make sure it’s stationed right on the dance floor where people can easily spot it.
Money box
If there’s anything Valentine and birthday gift vendors have taught us, it’s all the creative shit you can do with money.
Spend bundles
Think about it, the money won’t litter the dance floor or get trampled upon if it’s in a huge ass bundle. However, this method is only advisable if you’re an odogwu spender.
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Money vouchers
Event planners now make arrangements for money vouchers at parties. How does it work? Buy a voucher equivalent to the amount you intend to ‘spray’, transfer to the event planner and handover the voucher to the celebrant. The event planner will in turn transfer the money to the celebrant.
Or just stay at home
You won’t have to spray anyone or think of ways to avoid EFCC’s wahala if you’re not at the party.
READ ALSO: I Avoid Getting Sprayed With Money at Events
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I Avoid Getting Sprayed With Money at Events
The typical Nigerian “owambe” is barely a complete experience if guests haven’t rained money on the celebrant in an almost excessive display of wealth. While most people look forward to this highlight, I was shocked to find out that there are others who’d rather skip the entire show.
Amid EFCC’s recent clampdown on socialites for spraying money at events, Segun* shares how his mum’s experience with a diabolic relative shaped his interaction with money at social functions.
As Told To Adeyinka
My earliest memory of my mum getting furious and creating a scene in public was at my 10th birthday party. 20 years later, I still have a vivid picture of what happened.
While dancing on the stage, an aunt from my father’s side came to press ₦50 notes against my forehead. I’m not sure if it was a deliberate attempt on her part, but she wouldn’t put the money anywhere else but my forehead. I remember my mum yanking me off almost immediately and walking off the stage. My aunt was furious, and they both got into a loud argument that almost disrupted the party. My aunt argued that my mum’s action implied she had ill intent against me. My mum, on the other, hand wasn’t willing to take chances.
Years later, I learnt that what happened on my birthday was a traumatic response to my mum’s experience at her wedding. The gist is, an older relative who came from the village pressed money against her head the same way my aunt did at my birthday. My mum fell sick for weeks after her wedding and was hospitalised. The doctors couldn’t say exactly what was wrong and all the treatment did nothing to improve her condition.
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Get your tickets here for a day of fun, networking and partayyyyyThings only got better after my granny involved an Islamic cleric who revealed they had to find and discard “bad money” from a close relative sprayed on her wedding day. Many relatives attended the wedding and since my mum was barely conscious, she couldn’t tell the family members whom she suspected. Remember, she was hospitalised almost immediately after her wedding, so all the money from the wedding was still in a bag. It was hard to identify which money was from whom so the cleric suggested giving everything to charity. She was discharged about a week later and the doctors described her recovery as “miraculous”.
That experience shook my mum’s core, and it shaped her interaction with money at social events. If the money isn’t in an envelope or sprayed into a collection bag or basket, my mum doesn’t want it. This has also rubbed off on me and my siblings over the years. We might not be as extreme as our mum, but if someone aims for our head or forehead while spraying money, we find ways to dodge it or remove ourselves from that situation.
In my case, I also avoid doing the same to people. I’d rather put the money in a brown envelope and give it to the celebrant, spray it in the collection bag or just ignore it entirely.
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READ ALSO: Zikoko’s Guide to Avoid Spraying Money at Parties
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7 Nigerians on How Their Approach to Self-Care Has Changed Over the Years
You know how you see something you like at the market, but then you hear an outrageous price and realise you don’t like it like that?
That’s how adulting has changed how these Nigerians think about self-care and their guilty pleasures.
Image designed by Freepik
Joseph, 31
I used to take myself to a high-end restaurant immediately salary entered. It started when I got my first job in 2013 with bukas. Then I moved to fast-food spots and proper restaurants as my money grew.
I started living alone in 2018, and increased responsibilities shook this tradition, but I kept at it. My breaking point was when my rent increased from ₦800k/year to ₦1.6m in 2023. No one told me to budget first before anything else. I still spoil myself sometimes, but I do it with sense. High-end restaurants are now once in a blue moon.
Charles, 35
I love taking road trips. Since 2019, my idea of unwinding has been driving four to five hours from Ado-Ekiti to Lokoja to spend the weekend at least twice a month. Sometimes, I spend my time in Lokoja with relatives. Other times, I stay in a hotel and only come out in the evenings.
Since the fuel subsidy removal in 2023, I’ve only been to Lokoja once. A trip that typically cost me ₦15k – ₦20k fuel to and fro now costs ₦25k just to get to Lokoja. It’s not sustainable. I encourage myself by reasoning that the kidnapping situation has worsened, so I shouldn’t do road trips anyway.
Anu, 31
For a long time, my idea of self-care was trying out continental recipes I found online. It’s my way of travelling the world without actually travelling. But I’ve hardly cooked anything new since I started having kids in 2018. My children are picky eaters, and I hardly have time between taking care of them and working to even consider making extra meals. I only get to satisfy myself when they’re away on holiday.
Jen, 28
Food was once my go-to when I was stressed, bored, or sad; it made me feel better. But my metabolism is no longer what it was. At university, people always wondered how I could eat so much but stay skinny. Now, I can’t even breathe near shawarma if I don’t want to add 2kg.
My new form of self-care is exercising. I’ve been a regular gym goer since 2022, but my gym just increased their fee to ₦70k/month from ₦50k, and I’m considering doing my exercises at home instead.
Ima, 24
Ekpang Nkukwo is my favourite meal, and my mum made it almost every week when I was growing up. She’d also make it when she noticed I was unhappy, and I associated the meal with feeling better. Anytime I was on holiday from school, I’d call her on my way home and ask her to prepare it.
I started living alone in a different town because of work in 2023, and I thought I’d make the meal every weekend to congratulate myself for surviving the week. I’ve only made it once since then. The preparation stress no be here. Sleep is now my way of making up for a stressful week.
Jesse, 33
Since I started earning reasonably well in 2020, I’ve taken one full month’s salary a year to splurge on something I really want — mostly electronic gadgets. But I couldn’t do that in 2023 because of wedding preparations and my MBA studies. It doesn’t look like it’ll be possible this year too because I now have a family to consider. I’ll probably have to settle for splurging a small percentage rather than the full salary.
Ella, 26
Sleeping in during the weekends was my way of spoiling myself until I had a child in 2023. I make up for it by bingeing old movies to de-stress. And I try to squeeze in power naps as often as possible. Hopefully, I can resume sleeping in when my child gets older. Sleep is life.
The biggest women-only festival in Lagos is BACK.
Get your tickets here for a day of fun, networking and partayyyyyNEXT READ: “We Make Do With Our Imagination” — 7 Nigerians on How Inflation Affects Their Relationships
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“She Paid for My Therapy” — 7 Nigerian Women on the Most Thoughtful Gift They’ve Received From Friends
I don’t know who concluded that all women do is backbite and gossip about each other, but genuine female friendships can be the sweetest relationships ever. I asked seven Nigerian women to share the most thoughtful gift they’ve received from a female friend, and their responses were so sweet.
Image designed by Freepik
Amara, 27
I launched my online business in 2023, and my best friend made sure she was the first person to patronise me. She bought something worth ₦50k and paid ₦100k for it. I cried so much. She was planning for her mother’s burial at the time and shouldn’t have been in a position to even offer emotional support, talk more of financial. But that’s just who she is. I’m so grateful for her.
Tobi, 26
I’d only known my closest friend for six months when I got married in 2022. But this babe went all out for me. She wasn’t the chief bridesmaid (my sister was), but she organised a surprise bridal shower, came to stay with me three days prior so I wouldn’t stress, got me a blender as a wedding gift and even distributed souvenirs at the wedding reception. We’ve been friends for two years now, and she’s still the same caring human being. We’ve even passed friendship. We’re sisters now.
Jola*, 30
I was in an emotionally abusive relationship for two years, and my childhood friend never hid her disapproval. But she always welcomed me with open arms when I’d come crying about yet another thing my ex had said or done to me. Sometimes, he’d block me everywhere for a couple of days then come back to beg me.
When the last incident left me crying for three days, my friend paid for a therapist appointment and took me there without telling me where we were going. I got back with my ex a few days later, but I saw the therapist for about two months, and the appointments eventually gave me the morale to end the relationship for good. I have my friend to thank for that.
Debbie, 24
I was travelling from Abuja to Lagos in 2022, but our bus kept having issues on the road. It stopped again around Ogun state at 1 a.m., and the driver was suggesting we’d have to sleep there so he could call a mechanic in the morning. I’d been keeping my friend (who lived in Ogun) updated about my movement, and when she heard that, she convinced her dad to come pick me up. When I got to her house, she had a meal waiting for me. It wasn’t exactly a material gift, but she probably saved my life that night. What gift tops that?
Detola*, 25
My two closest friends and I have a tradition of surprising each other for our birthdays. When one person is celebrating, the other two gather money and plan the surprise.
I was really broke in 2023 and couldn’t contribute to one of the birthdays. My other friend took it up without issues. She got a bracelet and had it engraved to say it came from both of us. Our other friend never even knew what happened.
RELATED: 10 Ways to Make Sure You Never Receive a Bad Birthday Gift
Joy, 20
When I broke my juicer, I nearly lost my mind because juicing was the one thing I constantly did for my late dad when he was ill. I told my friend how my family thought I was overreacting over such a small thing, and she didn’t say much. Only for her to show up at my house the next week with a new juicer. I cried.
Chisom, 35
Pregnancy and childbirth did a number on me. I had my baby in 2017 and was so depressed after. To make it worse, I started losing my hair. It felt like the whole world was against me. I felt ugly, bloated and tired, and I told my best friend about it. The next time she came to see me, she brought a pair of scissors and a brand-new wig. She hyped me up to cut off my whole hair and start afresh. In her words, I had nothing to lose. I could own my bald head or wear a wig and look good either way because I had the face to pull it off. I’m not sure why, but it greatly improved my confidence. I felt seen.
*Some names have been changed for anonymity.
NEXT, READ: 7 Nigerian Women Share The Worst Thing A Friend Has Done To Them
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7 Ways Nigerians With USD Cards are Flexing Right Now
There are many reasons to have constant headaches in Nigeria right now. But do you know a group of people who have it easy? Those with super reliable USD cards that come through any time for international payments.
Let’s get into the things they enjoy and why you should be like them.
International shopping
There’s nothing as therapeutic as clearing your cart on Shein, Ali Express, Amazon, Asos, and other stores and taking delivery of all your fire fits. Of course, this dream can only turn into reality when you have a reliable USD card that won’t embarrass you.
Money from the abroad
Imagine your friends abroad wanting to send you small hard currency for these tough times, or you need to get paid for your freelance work, and you have to run helter-skelter for someone’s account. God, abeg.
Can never be anyone with a USD Chipper card. Input your card details on platforms that accept Visa direct and you’ll get that sweet dollars.
Seamless tuition and online course payments
At some point, it gets embarrassing to disturb friends and neighbours anytime you have to pay for an online course or tuition fees. But surely, this doesn’t apply to someone who has a USD card that makes it seamless to pay on platforms like Udemy, Coursera and many more.
Ease of running business
Nigerian business owners and complaints are like 5&6, but one group of people you’ll hardly catch in this mix? The ones who can easily pay for social media ads and drive more awareness for their business. Let us tell you now, their not-so-secret joy-giver is a USD card.
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Seamless subscription
People with USD cards might have their kettle of problems in Nigeria right now, but they don’t have to worry about paying for subscription services that help them escape from the shege. With a Chipper USD card, you don’t have to blink twice before your Apple Music, Canva, etc bills are sorted.
Travelling
The planning and logistics that go into travelling is stressful enough. So, the last thing anyone should struggle with is payment for plane tickets, hotel accommodations, visa fees, cab rides, etc. We’ll tell you one thing, Nigerians with USD cards can’t relate to these struggles even if they try.
USD Chipper Card
In case you’ve not gotten what the gist is about, let’s use this moment to tell you that the people who enjoy these super cool things are USD Chipper Card users.
With your USD Chipper card, you get a fast and reliable means to make international payments without breaking a sweat.
So, will you join the over one million Nigerians who’ve gotten the 411 or do you need more convincing to enjoy your life?
READ NEXT: Interview With Dollar: “I’m Too Sexy for This World”
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“It’s Shameful to Just Be Collecting” – 7 Nigerians Talk About the Struggle to Gift Their Abroad Friends
You might think your love language is gifting the people you love, but what happens when they suddenly japa and you have to show love in other ways? Because while you may want to be intentional, the exchange rate, distance and logistics will collectively ask you:
To make it worse, it’s much easier for abroad people to send money and gifts back once they get there, making the guilt even worse. We spoke with seven Nigerians who have friends and family abroad, and they talked about the struggle to send them gifts on meaningful days.
Dora*, 21
My Canada-based brother regularly sends me money for school fees, and I hate that I can’t send him gifts to show my appreciation. He doesn’t expect anything from me, but I don’t want to be someone who just “takes” all the time.
For his last birthday, I thought of sending him foodstuff from here because he’d complained about how expensive things were in the African market over there. But when I calculated the cost of the items and shipping fee, it was running into ₦200k. I didn’t have that type of money, and I couldn’t bill him and then use the money to gift him. I had to settle with sending him prayers.
Tobore, 30
I love giving thoughtful gifts, and all my friends know. You can innocently tweet about needing something and find the item delivered to you weeks later. It’s why I’m really bummed I can’t do much for my friends who have relocated. Most of them are in the UK.
Between 2022 and 2023, I could still send £20 or £50 gift cards, or pay for birthday cakes. But I have to adjust with the current exchange rate. I mostly fund their naira accounts now, so they have something when they visit. But I feel like I’m not putting as much thought into gifting as I usually do. The exchange rate is killing my creativity.
Lizzy, 25
My best friend moved to the UK two years ago, and we don’t talk as often as we used to — a deliberate decision on my part.
Talking every day meant I kept sharing my many problems, then she’d send me random money. But I can’t send her money like she does. I can’t say I want to send ₦20k because that’s just £10. What will that buy? And it’s shameful to just be collecting.
ALSO READ: 7 Nigerian Millennials Share Hacks for Living Through Inflation
Joan*, 27
For two years in a row, I’ve celebrated my US-based bestie’s birthday by gathering all our families and friends for a surprise conference call. I don’t even know if the element of surprise is still there. I occasionally send her $10 through our other US-based friends with naira accounts, but I feel that’s too small for a birthday gift.
I tried to get a proper gift from a US store last year — again through a mutual friend — but I was hearing $300. Omo. Conference call had to come to the rescue. At least, she loves the calls.
Anita*, 24
I feel guilty that I can’t surprise my boyfriend on special occasions. One time, I tried to send him shoes, but he realised I was planning something when I asked for his address. He insisted I send him the money so he could buy it himself and cut out the shipping fee bit.
I make up for being unable to go all out by sending money to his naira account. I can’t wait for him to visit so I can properly spoil him.
Richard*, 28
I haven’t bought my friend a birthday gift in the two years since he relocated because it’s either virtual dollar cards don’t work when it’s time to buy things online, or the exchange rate means I can only buy the barest minimum for him.
Thankfully, he understands and just tells me to send prayers. I add a dash of words of affirmation here and there.
Ola, 24
I’ve resorted to asking my Dubai-based big sister to tell me the things I can do to show my appreciation because I can’t afford to do anything else. She has an online business, and I manage it for free. It works out for both of us.
*Some names have been changed for anonymity.
NEXT READ: Nigerians Share Their Funniest Visa Rejection Stories
We interviewed three couples five years after we first spoke with them in 2019. How have their relationships evolved over time? Watch the final episode here:
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How To Be a Gold Digger in a Way That Pleases God
I have a hot take: There’s nothing wrong with being a gold digger now that the naira is dancing to the beat of Lagbaja’s ‘Konko Below,’ and everyone has to play survival of the fittest.
So if you really want
to survive this economythat bag and are willing to frolic a little with someone that has plenty of it, then these tips will definitely help you.Tell them why you’re with them
Times are harder than the last time we said ‘times are hard’, so tell them you’re only with them for the money. If they decide to still form heartbroken when the relationship ends, then that’s their business.
Bill them small small
Believe it or not, this economy might also be affecting your goldmine. So, while you’re asking them to move and shake things for you, do it with a conscience before they take their gold and run away from you.
Make sure they always have time for their partner
Don’t be greedy; they’re already giving you their money, so the least you could do is make sure they remember their actual partner and share the time between you and them.
Don’t post them
Always remember they might have a partner. Do you really want them to see the love of their life doing TikTok challenges and cuddling up with you on your Instagram page? We thought as much
Be thankful for your goldmine
Please, have you seen the state of our economy? The fact you found someone willing to share their money with you is a miracle. And you should be eternally thankful for them..
Find other options
What if the gold finishes? What if see finish enters? What if someone else has more money than they do? These are the questions you should o ask yourself before you decide to stick to one gold mine.
Give them good advice
This is important if they are currently in government. Advise them to do the right thing and tell their friends to act right. If you don’t, the thunder the citizens have sent their direction might mistake you for their real partner and meet you where you lay.
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The #NairaLife of a Traditional Couple Running a One-Income Household
Every week, Zikoko seeks to understand how people move the Naira in and out of their lives. Some stories will be struggle-ish, others will be bougie. All the time, it’ll be revealing.
What was the first money conversation you both had?
Phoebe: Three months after we started dating in 2011, he asked me to come over to cook coconut rice and chicken for four friends he was hosting that weekend. He’d boasted about my coconut rice. When he asked how much I needed for the foodstuff, I said ₦20k, and he got angry.
Joe: Yes na. When it wasn’t like I was throwing a party. I immediately started having second thoughts about her — ₦20k was a big chunk of my ₦70k office manager salary, and spending it on that small amount of food seemed wasteful to me. We had a big disagreement and didn’t talk to each other for two days. Of course, the cooking didn’t happen again.
How did you get past that?
Phoebe: He came and begged me when I didn’t reach out. We talked through it, and he understood that I wasn’t just calling one amount for the sake of it. I’d planned to cook one more dish so the food could carry him into the following week. Plus, I don’t like to manage things. If I’m doing something, I want to do it well.
Joe: You should be able to tell that she was the child of a rich man already. Not like us who were born with wooden spoons.
Were you really a rich kid, Phoebe?
Phoebe: I won’t say rich. We were comfortable, though. My dad worked with Nigeria Airways when it was still in operation, and we lived in our own house and had some cars. My mum didn’t even have to work.
I had an allowance in secondary school, although I can’t remember how much it was now. It increased to ₦15k/month when I entered uni in 2005. The money didn’t see the end of the month, sha. I constantly spent it on food, clothes and make-up.
I guess growing up was different for you, Joe?
Joe: It was. We struggled a lot financially due to my dad’s poor financial habits. He was a furniture maker who loved gambling. Whenever he gambled away his money — which was often — he’d collect money from my mum’s provisions business. She had to close the business to take up a cleaning job when I was 10 because the business wasn’t going anywhere.
I’m the first child, so I had front-row access to the whole thing — the days when my mum had to hide money under my bed so we could afford food the next day. Or when she’d beg a neighbour to allow their kid “lap” me on the bus to school, so I wouldn’t have to pay for transport.
I think seeing that taught me financial responsibility, even though I didn’t see it like that then. I just always thought, “Why must this man always spend money like this?” I didn’t want to be like him, so I subconsciously learnt to keep any little money that came my way right from childhood.
Let’s talk about you guys. Where were you financially when you met?
Phoebe: I’d just left a toxic HR intern job and was very broke. It’s not like the ₦50k/month salary they paid did anything, but it was nice to have something at the end of the month. Thankfully, my family and siblings were always there to support me financially. I think it was even the money that one of them sent me I went to withdraw the day I met Joe at the ATM.
Joe: It was an instant attraction, at least on my part. I had to drop all the “toasting” lyrics in my arsenal that day before she gave me her number. I was at the ₦70k job at the time, and I felt I’d gotten to the point where I could afford a relationship.
What do you mean by “afford”?
Joe: I believe finances play a big role in relationships, especially as a man. I should be able to take care of my woman to a reasonable degree. My mum wouldn’t have had to go through all that if my dad had done his duty. It’s why I didn’t really pursue long-term relationships when I was in uni. I had the boldness to pursue Phoebe because I had a fairly good job and lived in a modest ₦150k/year apartment. I wasn’t doing too badly.
So only one of you had an income. What was that like?
Phoebe: We had some clashes in the beginning. He always insisted on paying during dates and encouraged me to come to him when I needed money, but then he’d complain that I was spending too much or getting too much of everything on dates.
Joe: We didn’t see eye to eye on money matters. Every other aspect of the relationship was fine, except that. I was torn between wanting to provide and this madam trying to choke me with expenses.
Did you both have conversations about this?
Phoebe: We did, several times. But I only started to fully understand his issues with my spending when we moved in together in 2012.
What changed?
Phoebe: Living together made our financial situation more transparent — I knew what he had in his account. Since that was essentially what we lived on, I learnt to manage my expectations and spending.
We also started a system where he had to approve financial decisions. We agreed that he was better with money, so it made sense for him to manage it. I couldn’t just use the money he gave me to cook to buy bags. Plus, he’d even see it sef.
Joe: As if that always stopped you.
Screaming. Did this approval dynamic continue after marriage?
Joe: Yes. We dated for two years and got married in 2013. Our alignment on money matters helped make the decision to start a family much easier, so we just continued that way.
Phoebe: I worked as a school administrator for two years after we got married. During that time, we agreed that I’d be sending my ₦75k salary to his account for transparency. I resigned from the job when I got pregnant because I kept falling sick. I haven’t worked at a 9-5 since then. We have two kids now, and I take care of them full-time.
What’s a one-income household like?
Joe: It is a lot of planning and transparency. She knows what I earn, and she also helps me to manage it. I currently earn ₦250k, and 90% of that goes into the home. I give her a ₦90k monthly allowance that covers feeding, the kids’ clothing and any home emergencies and ₦30k for her personal needs. Then I pay for things like fuel and electricity and save ₦50k monthly with ajo contributions to cover the children’s school fees and our ₦300k/year rent.
Phoebe: I almost always go back to him for feeding money before month’s end because of how expensive things have gotten. It usually lasts three weeks max. Can you imagine that the feeding allowance was ₦50k in 2019, and I hardly spent it all in a month? If you think about it too much, you’ll just start crying.
I feel you. What’s the most difficult thing about a one-income household?
Joe: Definitely the flow of money. It won’t hurt to have extra income. We’ve been considering business ideas for her that could help but also not take her attention away from the home too much.
Phoebe: We’ve actually agreed on wholesaling and retailing bags online, but I’ll need like ₦150k to start. We don’t have that kind of disposable income right now, so we’re just making do with what we have.
Joe, you mentioned you’re a first child. What’s black tax like?
Joe: Phoebe, oya answer. You’re the one always promising money to our family members.
Phoebe: Fortunately, our families don’t ask for money like that, and there’s no monthly obligation. But I think it’s our responsibility to also offer financial help sometimes, especially during joint events which don’t even happen often. The only other expenses are random ₦10ks here and there. Do you want them to think I’m the only one spending your money?
How would you describe each other’s relationship with money?
Joe: She’s clearly the spender, but it’s interesting how she’s evolved from almost reckless spending to weighing the importance of things before spending on them. She also allows me to lead in everything, especially money, and I appreciate that.
Phoebe: I owe my improved spending habits to his insistence on transparency. He’s very open and analytical about his finances, and I have no choice but to be the same. He’s also very big on providing. I can’t relate to all those Facebook and Twitter discussions that keep asking what women bring to the table. My man doesn’t care. He’s thinking about how to fill the table.
Energy. What’s one thing you want that’d make your relationship even better?
Joe: A house and a better job. If I had a ₦500k/month salary and didn’t have to think about rent, we’d have some extra income to do some of the things she likes. She’s been complaining about how we never go on dates anymore. Plus, our children will enter secondary school in the next three years. So, even more school fees to think about.
Phoebe: Money to start a business. If not for anything, but to have some cash to surprise him once in a while. It’s difficult to surprise him with gifts because he knows how much I have at every point, and if the money reduces, he can immediately tell I’m planning something.
Out of interest, would you ever go back to the 9-5 life?
Phoebe: I want to say maybe when my kids are older, but let’s face it. Young graduates hardly get jobs. What chances would a mother with more than a decade-long career gap have?
Joe: Honestly, I don’t want her to have to worry about that. Let her just be chopping my money.
God, when? Is there anything you wish you could be better at financially?
Joe: Side hustles. Nigeria is too expensive to have one income source. I’m already into real estate on the side — I work as a part-time agent, facilitating land sales with a family friend’s real estate company — but I haven’t made much in commissions from it because I haven’t had time to go for site visits and network with potential clients. But I plan to be more intentional this year.
Phoebe: I think I just want to be better at contributing something to our income. Anything.
How would you rate your financial happiness on a scale of 1-10?
Joe: 5. We can only afford the necessities right now. I dread the day an emergency comes and wipes out everything we have.
Phoebe: God forbid, please. Mine is also 5. We aren’t begging, but we need to earn more to be able to afford a reasonably good life for our kids.
If you’re interested in talking about your Naira Life story, this is a good place to start.
Find all the past Naira Life stories here.
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I Tell My Children to Let Me Die if I Ever Fall Terminally Ill
Navigating loss is never easy. No matter how old our parents get, we’re never really ready for when they’ll leave the earth. I was discussing this with a friend when they revealed their grandmother’s rather strange request: She didn’t want anyone to spend on medical bills if she ever became seriously ill.
Intrigued, I got on the phone with mama’s carer, and with her help, got mama (75) to share her reasons.
As told to Boluwatife
Image designed by Freepik
My children think old age has affected some parts of my brain, so I make sure to repeat the same statement at least once a month: You people should let me die if I ever fall terminally ill.
I’m 75 years old, and in my lifetime, I’ve seen friends and family members battle sicknesses for years. They pile up huge medical bills for their family, and eventually still die. The death that strengthened my resolve not to go the same route was my husband’s.
He died in 2018 at 71, and he was in and out of the hospital for four years before that.
His health battle started with a mini-stroke in 2014. He was admitted, and doctors said, “Oh. Thank God, it’s nothing serious.” That was until they found cancer in his chest during routine scans. Again, they said it wasn’t too serious because it hadn’t advanced much yet.
A year and several chemotherapy sessions later, the doctors had changed mouth. Something about the tumours moving to other body parts. My children gathered money and took him overseas for better treatment. No one told me how much it cost, but I could see in their eyes that they were stretched thin financially and emotionally.
About three years after the initial diagnosis, my husband was declared cancer-free. We did thanksgiving at church and even gave away food items to less privileged people in gratitude.
Six months later, my husband slumped. The cancer was back, and it caused his kidneys to fail. He had to include dialysis to his long list of medical procedures. This time, my children came to ask me if their father had any money saved up somewhere.
He passed away soon after. I was heartbroken. After all we went through, it seemed like we only delayed the inevitable. I don’t want to put my children through the same thing again.
So, I’ve decided I’ll die at home. I take blood pressure medication and pain relievers for my arthritis, but if I ever develop a terminal illness or a sickness that requires long-term treatment, I’ve told them not to take me to the hospital and just care for me at home. I’ve lived long enough already. I’d rather die than become a financial burden. If they go into debt and sell their properties to keep me alive, but I still die due to old age, what use would it have been? Instead of going through surgery or chemotherapy, isn’t it better for me to cross over peacefully?
I think my children still don’t take me seriously even though I’ve been saying this since their father died, but I won’t stop reminding them. Maybe the next step should be to tell them that my spirit won’t let them rest if they make me suffer my last days in a hospital.
I’m not scared of death, and they shouldn’t be too. Everyone has to go at one point, and I prefer to go in a way that won’t burden anyone. I’ve had the privilege of seeing my children marry and become successful, with their own children. What more does anyone want?
LIKE THIS STORY? YOU SHOULD READ THIS NEXT: My Grandkids Are My Second Shot at Parenting the Right Way
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How to Ask Your Employer for Money They Owe You, According to 7 Nigerians
If you think it’s stressful to ask unwilling friends and family to pay back money they owe, wait till you experience a Nigerian employer from hell who defaults on salary payments. It’s a daunting situation that will take a toll on your mental, emotional and financial wellbeing.
I asked some Nigerians who’ve been owed money by their employers how they navigated the experience, and they shared these tips.
Avoid wasting time
“My former employer was a serial defaulter. I learnt from her that the longer you wait to get your money, the less likely the debtor will make that payment. So, it’s important you start taking proactive measures right after they make that first default on payment.”
A polite reminder
“No serious employer should ever forget your salaries, but there have been cases where all I needed to do was send a reminder. Before you assume that they don’t want to pay and do something rash, it’s sometimes useful to give them the benefit of the doubt and send a polite reminder”
Be proactive with reminders
“If you’ve got a boss with an established pattern of owing or forgetting about salaries, your best bet is to send a reminder a week or two ahead. That way, there’d be no excuse or opportunity to default.”
Reduce your productivity
“Everyone I’ve worked with knows I give my 100% on the job, but the moment my money is threatened, it drops to 50%. When the employer asks why, I’ll simply tell them I don’t have money to cater for basic needs that keep me productive. They might be pissed and want to gaslight you, but it does the trick.”
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Involve a third party
“I always make it a point to research an employer before taking a job. I must have an idea of the people they roll with. This way, I’ll know who to turn to if there are issues where I need to involve a third party.
One time, I only got paid when I told an ex-boss’s sibling about the money my boss owed me. That said, you should only do this when you’ve exhausted other options.”
Document everything
“Corporate culture taught me the importance of documenting everything. Once I notice I have a boss who acts funny with money, I put my guard up and keep receipts. People like that will make deductions out of thin air from your salary and if you don’t have the evidence to counter them, o ti lor.”
Use social media
“I once had an employer who refused to pay me for months. His excuse was that the company was struggling and there was no money. I eventually resigned and didn’t get paid. Weeks after, I saw this man post pictures of a new Range Rover. My subsequent reminders were ignored.
Eventually, I quoted his car announcement with a thread about how he’s owing me money and tagged some blogs and other popular influencers on Twitter. This man paid my money that same day.
I hate social media drama but I’ve realised that when it comes to debt, it’s one of the most effective ways to get your money.”
Still confused about how to ask your employer for money? You should read this: 10 Memes To Send To Your Shameless Debtor
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#NairaLife: 10 of the Most-Loved Stories of 2023
2023 might have been the trickiest year for the naira yet. The currency went through more ups and downs than our constantly embattled national grid and affected Nigerians’ relationship with money in more ways than before.
Per usual, NairaLife had one goal this year: Finding answers to how Nigerians are making, spending — and even losing — their money. How has money (or the lack of it) affected the quality of lives?
The stories we told sparked conversations, offered insights into subjects people seldom think about and caused some “God, when?”s.
Here are ten stories you couldn’t stop talking about, and which deserve a second read.
These are the stories that did the most numbers:
1. How do people in the seats of power live?
This story broke the internet and received mixed reactions when it was published. Some were pissed to read about the extravagant life this politician’s daughter lives, and others weren’t too surprised.
But one thing is clear: it’s important we have these difficult conversations about money. As Ruka, our editor-in-chief, explained in this thread, these conversations are a stark reminder of the country we live in.2. She has over $150k in savings but is only 50% happy
I had to physically stop myself from converting $150k to naira when I read this story the first time. This lawyer should hold a savings masterclass. She has three savings buckets in dollars. When asked why she put her financial happiness at just 5/10, she said, “I need more money. I want to be able to travel and do more for myself without having to touch any of my savings buckets.”
Fair enough.
3. There are side gigs, and there ARE side gigs
I’m not sure if “side gig” is an accurate description of the other jobs this finance guy does. I mean, if your main salary pays ₦1.2m/month and a side gig pays as much as ₦8m, which one deserves the tag of “main income source”?
Anyway, you’ll definitely learn a thing or two from his story.
4. How do you own real estate worth over ₦40m on a civil servant salary?
The answer is years of planning, relationships and access to loans. This NairaLife is one of the most insightful ones I’ve read so far. I’ve never found civil services appealing, but after reading this, it’s not looking so bad.
5. The writer making bank in crypto’s volatile market
If peer pressure ever pushes you to crypto, consider what the content writer in this story said first: “I feel the best way to make money in crypto is to get a job in crypto. So, while I hold some coins and try my best to avoid trading, I watch out for job opportunities in the crypto market. It’s the perfect blend of stability and risk.”
That said, he’s raking in a cool $1200/month following his own advice.
These are the stories you absolutely need to read:
6. A Nairalife sponsored entirely by faith in God
This was the first Nairalife story I wrote, so it has a special place in my heart. He’s a full-time missionary who should be earning ₦49k/month, but he hardly gets paid because his pay depends on donations.
I’ll never forget the confidence with which this missionary said, “I move with this confidence that I have God and can never be stranded.” Literal chills.
7. He made 100x his salary in three years, and it started from a bet
You know that proverb, “What an elder sees sitting down, a child can’t see even if they climb the tallest tree”? It’s a good thing the data engineer in this #NairaLife didn’t follow that. His dad wanted him to join the military, but he chose computers. We can agree that decision paid off, because he now makes ₦3.5m/month.
8. From almost-yahoo boy to POS agent
I don’t think I’ve rooted for someone as much as I do the 23-year-old in this story. He’s been hustling since he was very young and left home when he was 16. No, his parents weren’t dead. They just weren’t present.
At his lowest, he almost turned to a life of crime. But a chance encounter changed the course of his life.
9. The stay-at-home dad who’s choosing his family over money
It’s unusual to find a dad who chooses to do a “woman’s job” by becoming their children’s primary caregiver in Nigeria’s heavily patriarchal society, so I knew I had to tell this story.
Fun fact: This interview was interrupted several times when his kids cried, and he had to attend to them. I thought it was the cutest thing ever.
10. Navigating a finance-threatening mental disorder
I first heard of the term “dyscalculia” during the interview for this story. This 25-year-old subject has struggled with numbers for as long as she can remember, and as an adult, it’s progressed into an inability to handle money and poor financial decision-making.
On top of that, she was diagnosed with Borderline personality disorder in 2022, which explains her constant struggle to keep jobs. Her story really gives individuals’ relationship with money a whole new perspective.
If you’re interested in talking about your Naira Life story, this is a good place to start.
Find all the past Naira Life stories here.
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Everything You Need More than More Money this December
Whether you believe it or not, you can’t live by money alone.
In my observation, while looking out for you and other fellow Nigerians, here are some essentials you probably need more than money this holiday.
Romance
Romance is sweeter with money but sweetest when you have nothing else to hold on to. Grab your partner and dream of a future where you can finally afford Detty December.
Good health
You shouldn’t have to be told this, but here we are. There’s no Christmas balling without sound health. Watch what you consume, look twice before you cross the road, spend quality time with family if you like them, and for Lagosians: stay indoors if you’re not ready to spend hours in traffic and looking for cabs.
Direct supply of original products
We’ve apparently been buying counterfeit soy sauce, drugs, drinks, canned food, etc. You need to eat and use original products to keep good health. If you find out where to get these products, please inform us.
Time with loved ones
My dear brother and sister, a lonely Christmas and holiday benefits no one. Get yourself some company and loving, and make lasting memories money can never buy.
Work promotion
Think about it, promotion at work may come with bigger responsibilities, but your money goes up too. If you ask me, it’s better than a money gift that’ll finish in less than a week.
Job referrals
When people speak highly of your work and recommend you to your potential clients and employers, that’s something money can’t buy.
A personal ride
Specifically for Lagosians because your road network problems need divine intervention. In this surging transport fare issue, a personal ride is what you need most this December and beyond. Skateboard, bicycle, scooter, tricycle, motorcycle, motor car, trailer, whichever works for your budget. Work according to your budget. I wish you a safe ride.
An appointment on Tinubu’s cabinet
Tinubu’s government and friends are the only ones balling in Nigeria currently. What’s better than joining the ballers? Though the curses of agitated Nigerians won’t miss you too.
Relocation
An escape from this ghetto and being able to catch your breath from the wahala of corrupt government, insecurity, fake products, harsh economy and many other stressful things. Even though their currency is now better than ours, you can start with Benin Republic.
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MoneybyZikoko: This Pharmacist Is Also a Recovering Loan Addict
Vol 59 | 18-12-2023
Good morning.
I like to think most addicts don’t wake up one day and decide to have their entire existence tied to one thing. It starts gradually, much like what happened to today’s #NairaLife subject.
His addiction to mobile loan apps started from just needing small change to settle some bills before his salary dropped, and before he knew it, he was in a three-year-long constant loan cycle
that didn’t stop even after getting new jobs and higher monthly incomes.Thankfully, his dad got involved, and he’s past that now. He’s in a better place financially, but the journey to financial discipline is still somewhat bumpy.
Let’s get into it.
In this letter:
- The #NairaLife of a Pharmacist Who Overcame a Loan App Addiction
- The Year in Review: High and Lowlights of 2023’s Money Conversations
- Money Meanings: “Unsecured Loan”
- Game: #HowMuchLast
- Where The Money At?!
The #NairaLife of a Pharmacist Who Overcame a Loan App Addiction
When this 27-year-old pharmacist took his first loan from a mobile app in 2019, he didn’t expect it’d lead to an addiction. Several new jobs and income bumps later, leaving the loan cycle proved impossible until his dad got involved in 2022.
Now, he’s on the path to financial discipline, and it involves choosing to protect his mental health. How’s that going for him?
Some other great money articles you should read:
The Year in Review: High and Lowlights of 2023’s Money Conversations
Money, or the lack of it, was one thing that united Nigerians in 2023. It’s been a crazy year money-wise, and we decided to unpack everything that’s happened so far.
From the rise of POS agents due to cash scarcity to billion-dollar loans and inflation touching every single thing, these are 2023’s most important money events.
Money Meanings
Game: #HowMuchLast
#HowMuchLast is a game where we show you an item and you tell us (and the world) the highest amount you’d pay for it.
Some weeks will be Okin biscuit, some others will be SUVs.
This week, let’s test how much you’re willing to pay for a lit December. So, #HowMuchLast to enjoy all the shows and festivities this month?
What’s the most you’d pay? Tweet at us here.
Where The Money At?!
We can’t say we’re about the money and not actually help you find the money.
So we’ve compiled a list of job opportunities for you. Make sure you share this with anyone who might need it because in this community, we look out for each other.
Again, don’t mention. We gatchu.
Share this newsletter
All good things must come to an end. But not this good thing. We’ll be back next week.
In the
meantime, keep reading Zikoko’s articles and be sure to share the love.Till next week…
Yours cashly,
Tife,
Zikoko’s resident money girl
Did someone awesome send this to you?
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The Year in Review: High and Lowlights of 2023’s Money Conversations
Every year, the naira fights valiantly for its life with little success, and 2023 has been no different. The year started on a hopeful note. With the 2023 general elections scheduled for the first quarter, many young Nigerians were optimistic about a government change that would mean a long-overdue improvement in the economy and other sectors.
The elections ended with one of the most keenly contested results in Nigeria’s history and the results have contributed in no small way to the many ups and downs (mostly downs) Nigerians have experienced money-wise since.
This is a timeline of 2023’s most important money events and conversations.
New fuel prices (Part 1)
Image: Punch Newspapers Nigerians aren’t strangers to fuel scarcity, but the 2022 floods and reports of adulterated fuel brought us the worst version we’d seen at that point. Unstable fuel prices followed us into January 2023, with fuel stations selling at between ₦200 – 250 per litre against the standard ₦167. The Federal Government officially standardised fuel prices at ₦185 per litre on January 19, 2023, and sent a memo to petroleum marketers informing them of the same. Lagos State even created a timetable for filling stations to further beat the scarcity. By April, fuel sold at ₦254 per litre.
THE STORY: Nigeria has Standardised Fuel Prices. But Our Problems Are Not Over
The cash scarcity saga
Image: Channels Television Godwin Emefiele first announced the redesign of the ₦200, ₦500 and ₦1000 notes on October 26, 2022, with a January 31, 2023, deadline to phase out the old notes. What followed was a series of events fit for a telenovela. The Minister of Finance, Zainab Ahmed, claimed she wasn’t informed. The naira soon fell sharply in the foreign exchange market — selling at ₦1,000 to £1 and ₦800 to $1. By January 2023, the new notes still weren’t in circulation.
The CBN moved the deadline to February 10, but two days before the new deadline, the Supreme Court gave a temporary order to halt the expiration of the old notes. In response, President Muhammadu announced that only the old ₦200 notes could remain in circulation beyond February 10. While experts debated on whether the president could overturn the Supreme Court’s ruling, Nigerians suffered the brunt of widespread cash scarcity and bank transaction failure.
The ATMs were either empty or limited to ₦5k daily withdrawals. Bank queues were longer than a Fela album. This led to protests across the country — several banks and ATM points were set ablaze. Most institutions were ill-equipped to accept cashless payments. Patients were left untreated as family members went on the hunt for cash. People were left stranded in supermarkets after botched POS or bank transfer transactions. A pregnant woman in Kaduna reportedly died because her husband couldn’t get cash in time for her to be admitted to a health centre. Pure chaos.
THE STORY: What Has the Naira Scarcity Cost Nigerians?
The rise of POS agents
Image: Zikoko Memes POS agents quickly became major players in the scarcity as Nigerians turned to them for urgent cash needs. But the agents had to brave the long ATM queues or buy the scarce new notes at high rates, which reflected in their transaction charges. In Ekiti, POS charges increased from ₦20 per ₦1k withdrawal to ₦300 per ₦1k. In Lagos, POS agents charged as much as ₦2k – ₦3k to give ₦10k cash.
While all this was happening, the Nigerian government was focused on the February 2023 elections. It wasn’t until March that the Supreme Court and CBN confirmed all old notes would remain legal tender till December 31, 2023. In November 2023, the Federal Government asked the Supreme Court to extend this deadline yet again for an indefinite period. And one is forced to ask: Why all the wahala in the first place?
THE STORY: The #NairaLife of a POS Agent Forced to Plot New Business Moves
“Fuel subsidy is gone”
Image: The Ideal Those were President Bola Tinubu’s famous words in his inaugural speech on May 29, 2023. Right away, fuel stations started hoarding fuel, leading to another scarcity within months of the last one, panic buying and transportation hikes across the nation. The few open fuel stations sold at ₦500 – ₦700 per litre even before the new prices were announced.
The official prices ended up going as high as ₦557 per litre. By July 2023, it had climbed to ₦617 per litre. Fuel rationing led to a decline in fuel consumption nationwide, fewer cars on the streets as people took to trekking, increased cost of goods and services hinged on transportation and general hardship. E-hailing cab drivers even went on a nationwide strike, requesting an increase in fares as they could no longer work with the new fuel prices.
President Tinubu claims that fuel subsidy removal saved Nigeria over ₦1 trillion in two months, which “will now be used more directly and more beneficially for you and your families.” What this means exactly and how it will be done isn’t clear right now.
THE STORY: Fuel Subsidy: Tinubu Went off Script, and Nigerians Are Facing the Brunt
Student loans with a jail-time caveat
President Tinubu signed the Student Loan Bill into law on June 12, 2023. The bill, which should provide interest-free loans to indigent Nigerian students, was received with mixed reactions. Nigerians expressed concern over the loan requirements and two-year imprisonment punishment for defaulting on repayment. The Student Loan Scheme is expected to kick off in January 2024.
THE STORY: The ABC of Nigeria’s New Student Loan Bill
Foreign exchange goes south
Image: Forbes Africa On June 14, 2023, the CBN released a press release announcing its decision to allow the naira to “float” in the foreign exchange market, with hopes that it’d bring our currency to a unified exchange rate. This came after Tinubu suspended former CBN Governor Emefiele on “financing terrorism” charges. The policy change meant the CBN would no longer determine the exchange rate, and the rate at which the naira gets exchanged for any foreign currency is dependent on the agreed price reached by the buyer and the seller.
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The naira fell by 36% against the dollar on the official market and sold at ₦750 to a dollar from the previous ₦477 to a dollar. Some experts commended the float, expecting the rate to stabilise over time and positively impact investor confidence. Others, like Femi Falana SAN, criticised it as illegal.
THE STORY: Losers and Winners from CBN’s Unified Exchange Rate Policy
School fees 200% hike
What’s really going on? In July 2023, the Federal Ministry of Education (FME) announced a school fees hike from ₦45,000 to ₦100,000 for new students of Federal Government Colleges. This came despite appeals by the Nigerian Parents Forum in June 2023. Federal universities like the University of Lagos (UNILAG), the University of Nigeria (UNN) and the University of Maiduguri (UNIMAID) also announced hikes by as much as 200%, to the dismay of students and parents alike. While the presidency argued that tuition is still free, the schools increased their miscellaneous levies, citing prevailing economic realities and the high cost of living.
Mass business closure and layoffs
Image: Zikoko Memes In August 2023, Pharmaceutical company GlaxoSmithKline (GSK) announced its decision to exit the Nigerian market after 51 years of operation, due to foreign exchange scarcity and volatility, rising business costs and a shrinking consumer base. Procter & Gamble, Unilever, Sanofi, Jumia Food and Bolt Food, joined the exodus, contributing to mass unemployment in a country with 71 million citizens already living in extreme poverty. Nigerian-based companies and small businesses weren’t spared either. 20 out of the 175 textile companies in Nigeria were forced to shut down. Due to the rising cost of maize, poultry farms followed. Tech companies like Bolt, Alerzo and Jumia, conducted mass lay-offs to stay afloat.
Nigeria’s new $1.95 billion loan
Maybe this is why they keep giving us loans Between June and September 2023, President Tinubu took out three loans from the World Bank to fund the power sector, women’s economic empowerment and the Adolescent Girls Initiative for Learning and Empowerment (AGILE) project. These loans are in addition to the country’s outstanding external debt of $14.51 billion to the World Bank.
RELATED: Tinubu Wants Nigerians to Endure, but Can He Follow the Memo?
Money supply rises
Image: Zikoko Memes The CBN revealed that the total amount of money available in Nigeria’s economy rose to ₦66.4 trillion in September 2023. But before you think, “Finally, a highlight!” This doesn’t mean we’re swimming in money. A larger money supply indicates declining interest rates, inflation and decreased purchasing power. Essentially, not good.
Highest inflation in two decades
Image: Zikoko Memes The naira entered a free fall between September and October 2023, reaching a historic low of ₦1k/dollar and earning the tag of “one of the worst-performing African currencies” from the World Bank. In the parallel market, it sank as low as ₦1,170/dollar. Inflation rose to 26.72% in September — the ninth straight increase in 2023 and the highest in 20 years. Food inflation rose to 30.64%, adding to the food and living crisis across the nation.
THE STORY: What’s the Real Cost of Inflation? Five Nigerians Tell Us
Drug prices soar as high as 1000%
Image: Zikoko memes Remember GSK Nigeria’s departure? As of November 2023, it meant drug prices had increased by up to 1000%, especially affecting inhalers and antibiotics. There has also been a reported drug scarcity due to the massive devaluation of the naira and a less-than-optimal business environment, leading to panic among consumers.
NEXT READ: The Year in Review: These Events Drove The Hottest Conversations in 2023
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Love Life: Finances Were Tight But Love Makes You Creative
Love Life is a Zikoko weekly series about love, relationships, situationships, entanglements and everything in between.
Tell me how you met
Adeile: Yemisi and I first crossed paths about ten years ago in a big supermarket in Ibadan. I think it was an afternoon in the middle of the week, so the usually busy store had very few people in it.
There was this mischievous child with his father. He was dancing and jumping around. He’d obviously been watching too many cartoons, and although I was angry at first because I was overworked, tired and envious that this little boy had time for entertainment, he made a sudden move and sound that made me burst out in laughter. I couldn’t help myself.
Then I heard someone laugh too and turned. The laughter was pretty, but the face was even prettier. I forgot about the child.
Yemisi: Yes, that co-laughter was like the beginning of something special. We went quiet for a few minutes, and I went back to looking for the one thing I had come to the mall to buy. Then I heard him say, “Hello. What’s your name?” I turned and answered him. He told me his name, and we started this light on-and-off conversation until I realised he was following me around the aisles.
For some reason, I wasn’t uncomfortable with it. He seemed nice and responsible. We exchanged numbers, and when we got to the counter, he paid for my item — a Sure deodorant spray.
How did things progress?
Adeile: I couldn’t stop thinking about her, and as soon as I got home from all my errands that day, I called her, and we spoke for some time. I mostly asked her questions, and she told me all about her life: how she was juggling multiple part-time jobs to put herself through college of education. I admired her diligence because it reminded me of my own journey. While I was still struggling, I’d come far by working multiple jobs just like her.
Yemisi: He started offering me advice, and I appreciated it very much. When classes resumed, and I had to go back to campus in Ilesa, he sent me ₦10k, which was a big deal back then.
While in school, he’d often call to check on me and advise me on how to solve hard problems. Like the time I had an issue with a lecturer. He told me how to talk to the woman to get her to calm down, and it worked. At that time, he was like the father or older brother I wish I had.
When did it become more romantic?
Yemisi: Adeile’s kindness and unwavering support made the love creep into my heart. As a young girl trying to navigate life, having someone like him, educated and professional, as a mentor was special. I always had someone to turn to for help, and who was willing to listen to me complain for one hour.
Before that, I’d gotten used to bottling everything up because no one wants to listen to someone else’s problems. But he encouraged me to unburden myself. It helped that he was more mature, so he seemed to always have the right thing to say.
Adeile: And for me, it was Yemisi’s resilience. Despite the challenges she faced, she always had this positive spirit that drew me in, even when she was complaining. I knew she was one of those people you cross paths with and make sure they never leave.
She graduated from the college in the early months of 2014. When I went to celebrate with her, I told her I wanted to marry her if she would wait for me for a year to set things in order. She just laughed, and from that day on, we knew we were boyfriend and girlfriend.
Yemisi: Apart from my older sister, none of my family members came to my graduation. I don’t blame them. Everyone in my household was struggling to make ends meet. Most couldn’t even cover the transport from Ibadan or Iseyin to Ilesa. It was just Adeile, my sister and two of my close friends, so it made his presence extra special to me. He even told my sister he was going to marry me.
If you want to share your own Love Life story, fill out this form.
What was the relationship like after graduation?
Adeile: Finances were tight, but love has a way of making you creative. I had to plan outings that were affordable yet meaningful.
Yemisi: It wasn’t easy, but we focused on supporting each other. Adeile was there for me every step of the way as I started my teaching career. He helped me get my first job in a secondary school where his friend was the vice principal. I remember how proud I was that I was the only one in my friend group with a formal job for at least two years after graduation.
Then he gave me the best advice that’s still helping our family today. He said I should focus on getting into a federal school.
Adeile: Apart from the slightly better pay, I wanted the job stability for her. I knew getting in young and at entry level would be the easiest path. Such an opportunity wasn’t easy to come by thought, and I focused on talking to everyone I knew who had access. We also put our heads and money together so she could take some small courses and exams.
Yemisi: He had his accounting career to think of, so I felt blessed that he was putting his energy into my career as well.
Adeile: My work was going as strong as it could, but there was hardly any stability, so I wanted her to get it right very early. I was also working toward the same thing for my youngest brother.
RELATED: What She Said: I’ve Given up on Teaching in Nigeria
Sounds like your families were actively involved in your lives, did that affect your relationship at any point?
Yemisi: We took the time to get to know each other’s families and friends from the moment our relationship got serious.
Adeile: Being from a conservative Christian background, there were many expectations of us as soon as my family knew we were dating. We had to handle these expectations delicately. It was important for our families to see the authenticity of our love, especially because of the 13-year age difference.
Yemisi: We attended family functions together and made an effort to be a part of each other’s lives. He was in my house a lot, helping my father out with things around the house. He once helped us paint all the interior walls.
Adeile: I loved to help her mum with her ata rodo garden too. That was before their neighbours “mistakenly” poured kerosene everywhere.
I preferred to spend time in her home rather than have her come to mine because it was important to me for her parents to see me as serious and responsible. That was just how I was brought up. And she was still so young then. She was a baby.
Our families eventually saw the love we shared, and that spoke louder than any preconceived notions.
When did you finally get married? Did you keep to your one-year promise?
Adeile: It was more like a year and a half, but I did my best. For several months after I made the promise, my financial struggles only got worse, and Yemisi’s schedule at the school became so demanding that it really tested our relationship.
Yemisi: I had to quit a year after I got the job because it got so stressful that I was always sick. They kept increasing the workload even beyond my qualifications because they couldn’t afford to pay teachers with more experience. Plus the emotional stress of listening to the students’ many personal issues took a toll on me.
Adeile: There were days when I felt inadequate, unable to provide the comfort I wished for her. She didn’t get into the federal ministry until 2016, over a year after we got married. We’d given up at that point, but a path suddenly opened up.
Yemisi: One day, I was tired of waiting for everything to be perfect. I told Adeile we should stop waiting. It was in the middle of 2015. I’d just started a new job as a class teacher and administrator at a small primary school. Things weren’t better in terms of our circumstances, but I was happy.
I came back from church, and all that was on my mind was the pastor’s message about how God qualifies the unqualified. I can’t explain how I connected it to our relationship, but God told me Adeile was overthinking the whole thing and needed me to tell him everything would be okay. I’d just reached my gate when I pulled out my Nokia and called him to deliver God’s message.
Adeile: I cried that night because the peace of God just settled in my heart when I heard her voice speak those words.
How did the wedding go?
Adeile: It ended up being much bigger than I’d planned without me needing to spend too much outside my pocket.
Yemisi: We used an open field for the reception, and it was packed.
Adeile: I was scared because I knew the quantity of food I’d paid for, and there was no way it would feed the number of people I saw that day. But Yemisi just squeezed my arm and told me, “Relax. Everything will take care of itself. We’ve done our best”.
Yemisi: Na marry we marry. That doesn’t mean we have to feed the whole of Ibadan.
Adeile: People came through, brought their coolers of food and drinks — even people who’d never moved a finger to help us. At least, they supported us in their own little way at our wedding ceremony, and that one too isn’t bad.
They tried
Adeile: It is well.
After the wedding, we moved into a bigger, better mini-flat than the one I was living in. And in a friendlier side of town. I was happy I could at least do that much for us.
Yemisi: Today, we’re happy, we’re doing our best, and we have two beautiful kids to show for it.
Adeile: When Nigeria tries to put us down with no money, too much work, frustrated plans, stagnancy, Yemisi always reminds me how we met, how laughter brought us together, and it never ceases to make us laugh again. She always knows how to put a smile on my face.
Yemisi: Even our kids have inherited our laughing spirit. They’re both very cheerful, outgoing children, and that makes our home a happy one, even when times are hard. Sometimes, when there’s no electricity for days, we can’t put on TV, all our phones are long dead, we entertain ourselves with gist and jokes.
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Have you had any major fights?
Adeile: Of course, we’re not perfect.
A few months into our relationship, sometime in 2014, I was still figuring out finances, looking for better opportunities everywhere, and there was a business that required me to move to a different city for some time.
Yemisi: Yes, and I was teaching here in Ibadan. I didn’t want him gone. I felt very attached to him already.
Adeile: But I saw it as an important career opportunity that could improve our financial situation. I thought it was a risk worth taking for the future.
Yemisi: I was more rooted in the present, thinking about the life we were building. And it was in Lagos, so all I could think of was he’d go there and forget about me in weeks. I know this was selfish, but I couldn’t help it.
We talked about it on a stroll one evening, but before long it’d turned into an argument.
Adeile: I decided not to bring it up with her again after that day, and the opportunity ended up not materialising. But I had to let her know sometimes one had to make smart decisions without letting emotions get in the way.
That’s true
Adeile: Even while married, we’ve had another major issue concerning work.
A few years after our wedding and just after Yemisi got the federal job, we had our first child. Can you believe she wanted to quit?
Yemisi: We were both facing increased responsibilities at work, and I was struggling to cope with taking care of the baby after my maternity leave elapsed. I had my mother with me, but it was still a lot. I suddenly felt torn between pursuing a career and being the kind of wife and mother I wanted to be.
Adeile: We tried to talk about it, but it turned into a heated argument about priorities and her feeling neglected. We were both overwhelmed, trying to find a way to make everything work.
Yemisi: No. He’d already decided I couldn’t leave the job and was trying to get me to accept it. The only problem was I understood his logic, but I was suffering physically and emotionally and couldn’t cope. A marriage counsellor from church had to come in.
In the end, I thought about it from a long-term perspective and realised I’d regret letting go of such a position that was hard to come by in a country like ours. So I found a way around it, got some of my close colleagues to cover for me in some aspects of work, and we survived.
I’m happy he didn’t run away from having tough discussions with me to keep me from hurting my future.
Adeile: It was good we took up counselling because it helped us have a lot of honest conversations. We had to reassess our priorities and what success looked like for both of us.
That sounds so healthy. How would you rate your Love Life on a scale of 1 to 10?
Adeile: That’s an interesting question. Well, I’ll say 8.
We’ve been through a lot together, but we still find laughter in each other’s company. Our love is strong die.
Yemisi: Yes. I’ll say 8 too. It’s been a learning curve, and the fact that we continue to grow together is what makes our love strong. There’s always room for improvement, but we’re happy with where we are too.
Check back every Thursday by 9 AM for new Love Life stories here. The stories will also be a part of the Ships newsletter, so sign up here.
TRY THIS NEXT: Love Life: We Bonded Over Surviving a Toxic Work Environment
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SMADA EH! vs Hamba Wena: What to Know About Copyright Infringement
In the Nigerian music industry, most copyright infringement cases go unpunished. But on November 22, 2023, the Nigerian proverb, “Everyone is a culprit. But the one caught on the day is a thief,” latched onto former NATIVE Records artist, Smada.
SMADA EH! vs Hamba Wena
In April 2023, Smada posted a video in which he was hanging with Poco Lee at Obi’s House. In October, the two made another video that went viral. In it, Poco and Smada sang along to a short but infectious “Smada eh, Smada ah” snippet.
Soon, the X timeline was filled with requests for them to release the song. But many South African and Nigerian listeners were furious at the snippet and remarked that it was a copy of Deep London’s Hamba Wena. Unconcerned, Smada released SMADA EH! featuring Poco Lee and producer-DJs, Smeez and Dean, on October 27th. Smada performed the still trending song in public for the first time on November 4, 2023, and on November 7, he kicked off a promo challenge that helped it gain even more traction.
The copyright infringement and imitation comments from South African and Nigerian music listeners too, while other Nigerians maintained that Amapiano “belongs to us now”. Even Nigerian producer, Killer Vybez, tweeted that Nigeria doesn’t recognise copyright.
On November 23, Deep London quoted one of Smada’s promo tweets with “Can you please at least respect South Africans?” In a subsequent quote, he promised to take legal steps against Smada. The following day, he posted a statement that included a suit against Smada for copyright infringement. On November 29, Deep London posted that SMADA EH! had been removed from all digital music platforms. As of December 4, Smada still performs the song.
To understand how copyright infringement works in the music industry, we spoke with Nigerian entertainment, intellectual property and data protection lawyer, Lola Oyedele. She explained the infringement in Smada’s case and what the situation means for the African music scene.
Good vs bad interpolation
Lola: Interpolation is when a song is re-recorded, note by note, copying the basic composition. Artists do this when they don’t have enough money to pay the owner to sample the original song. However, it doesn’t mean you shouldn’t pay to interpolate it. It’s just a cheaper alternative. You still have to get a mechanical license, and you have to give credit.
Sampling is taking an original composition and using it as is in an entirely new song.
Smada interpolated both the beat and melody of Hamba Wena in his song, SMADA EH!. Anyone who doesn’t know who Smada is will hear “Smada ah, Smada eh” and assume Deep London and Boohle made a remix of Hamba Wena.
But none of the money earned off SMADA EH! goes to the South Africans who created the original composition.
Copyright infringement
Lola: What Smada did on his song is copyright infringement because he copied someone’s work without permission. The moment you use and commercialise someone’s creation, it’s an infringement. The only exception in the Nigerian Copyright Act 2023 is in cases of fair use — writing your thesis or news articles with footnotes, you don’t need express permission to do so.
If Smada didn’t get express permission to use the musical composition, there’s no reason why the matter should be taken lightly. That’s somebody’s intellectual property, so he needs to pay.
How Smada could’ve avoided legal drama
Lola: When you plan to use someone else’s work in your music, you should write to them first. They may charge a fee or ask for credit as the original owner of the song. Some also demand a percentage of the music sales.
When it gets legal
Lola: Most unestablished artists use copyrighted work without authorisation because they don’t expect that their songs would exceed five or ten cities, so the original creator may never hear about the used composition.
As a lawyer working with an established artist whose music has been used without permission, I’d write to the unestablished artist saying, “I know your probably didn’t think the song would have a huge traction or reach, but here we are now. What do you want to do about it?” If my legal team decides not to take “sorry”, the next thing to do is pull down the song. But the drama doesn’t end there. My legal team would state which part of our client’s copyright suffered infringement. Smada is earning from the stolen music. “Smada, eh, Smada, ah” is all over on the internet, and he’s getting paid; it doesn’t matter if it’s just a naira or two.
I’m not sure how it’ll go in Smada’s case, but ideally, he should pay the original creators a percentage of every dime he’s earned from the song. As the infringed artist’s lawyer, I wouldn’t take a one-time fee. People are even using the catchphrase as a joke.
The song will be on the internet forever.
If negotiations don’t work, the last resort is to go to court. Court proceedings would happen in the defendant’s jurisdiction or where the infringement occurred. So, in Lagos, Nigeria, where Smada made his record. This case is a civil suit because it’s a matter of intellectual property (IP). The consideration and ruling rests finally on the judge, and the new Nigerian copyright law (2022) is stricter than ever. If Smada’s team can prove they didn’t infringe, no problem. But a case like this can drag, depending on the infringed artist’s label or whichever company might own the original musical composition. The company will institute the action against Smada.
What to do when you’re about to sample or interpolate a song you like
Lola: Don’t incorporate what isn’t yours into your work. It’s alright for inspiration, but learn to get credit. Reach out to the artist, no matter how established they are. There are many internet-savvy entertainment lawyers like Foza Fawehinmi you can also approach.
I work with Teni. Some artists from different places have reached out to use her song, and we gave them out Pro Bono.
What this means for the African creative industry moving forward
Lola: Some artists may find it harder to clear songs, and it may mean tighter copyright laws depending on the location.
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Who Are VVIPS? Uncovering the Dark Underbelly of BBNaija’s Fandom
On October 1, 2023, the Big Brother Naija All-Stars season came to a dramatic close with season under-dog, Ilebaye Odiniya, emerging as the winner of the ₦120m prize ahead of franchise superpowers, Mercy Eke and Cee-C Nwadiora. From the nooks of the internet came a revelation that had X roaring, less than two weeks later.
Unveiling the tyrannical reign of VVIPs and their misappropriation of funds, a series of tweets, threads and spaces painted the picture of a fandom racket. Everything from buying of votes and “trends” to fan service bordering on celebrity worship, drawing subtle parallels with Nigerian elections.
Since its inception in 2006 and reintroduction in 2017, Big Brother Naija has attracted massive public engagement across the country and Africa, arguably second to Afrobeats in this regard. BBN fandoms are highly organised and known to go to great lengths to support their faves. They crowdsource for funds and spend tens of millions for anything that’d give their favourite housemates an edge, in and out of the house.
When “Lockdown” housemate, Erica Nlewedim was disqualified from the show in 2020, fans raised $66k for her because they believed she would’ve been the clear winner — the cash prize was about $100k at the time. Other housemates, Pepper Dem’s Tacha Akide, Lockdown’s Dorathy Bachor, Neo Akpofure and Laycon, and Shine Ya Eye’s Liquorose and Saskay, have each reportedly received a Mercedes Benz from their fans.
While harmless and even admirable at face value, fandom activities have increasingly transitioned into toxicity and even fraudulent activities over time. On October 12, 2023, just days after the finale of the latest BBN edition, fans came on an X Space to complain about the misappropriation of funds they’d contributed to voting for Mercy Eke. They believed Ilebaye wouldn’t have won if the voting funds were appropriately deployed.
These complaints opened up a conversation about gross misconduct within the BBN fandom, all seeming to stem from figures known as “VVIPs”.
The rise of VVIP fans
VVIPs are fans who are well-known to the general fandom in the BBN social media space. It often starts with them showing up online to support a housemate 24/7 and evolves into a persona other fans rely on for the gist of everything happening in the house.
Later on, the housemates’ social media handlers start to notice their usernames and interact with them. With this influence, they take up the responsibility of crowdfunding for their faves, actively pushing their matter online and developing an in-person relationship with them.
After their faves come out of the house, they become the liaison between them and their fandoms, receiving contributions on their behalf from thousands of fans, organising gifts, passing messages from fans to the BBN stars and more. Some become mini-stars in their own right.
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Once the public witnessed 2017’s “See Gobbe” season finalists, Bisola Aiyeola and Efe Money, become household names — with Bisola transitioning into the highly gatekept Nollywood and Efe having superstars like Olamide, Davido and Wizkid promote his new album — the stakes to win increased. The first VVIPs emerged during the 2018 “Double Wahala” season, with the popularity of housemates like Cee-C, Miracle, Tobi and Alex, and the rush to make sure they won.
Social media-savvy users with time on their hands decided to spearhead the newfound mission to make stars. However, with each passing season of the reality TV show, general BBN fans have grown wary of these VVIPs, likening them to Ponzi schemers.
For the 2023 All-Stars’ season alone, fans claimed to have contributed anywhere between ₦4m and ₦50m to VVIPs for votes to make sure Mercy Eke won. According to Mercy and Cee-C fans, if the money was spent on the service, Ilebaye wouldn’t have stood a chance.
On the X Space mentioned earlier, fans also claimed they contributed ₦37m as a cash gift to Whitemoney, but he never got it.
Alleged voting fraud
The VVIPs often receive money from housemates and their teams or from fans, to set up voting centres. They receive tens of millions of naira to deliver large voting numbers, in a situation that rings similar to the streaming farm conspiracy surrounding the music industry.
Online conversations surrounding the All-Stars’ finale revealed cases of VVIPs running away with the money, only spending part of it on the votes and even spending it on other housemates instead. This calls into question the very ethics of buying and selling votes for a competition when in the end, housemates with organic backing almost always win.
We tried to get the inside scoop from these VVIPs, but they’re as elusive as Big Brother’s identity. Some posted receipts on their X pages to prove the money they received was used appropriately, but the fandom drama continued. One alleged VVIP, X user @mumchomzy, even threw in the towel after facing the wrath of fans.
She shared multiple receipts and screenshots of text messages. But fans refused to accept she did the work and Mercy still didn’t win. Following the backlash, she hosted a three-hour space to announce the end of her stanship.
According to @mumchomzy, VVIPs are at the mercy of sim and voting vendors — people who’ve made a business out of bulk voting by proxy. And the whole process of supporting housemates is simply risky because there was no way to regulate the vendors.
Rigging the X trends table
The most popular BBN housemates have been known to feature on or top the X trends table several times. Stars like Tacha, Mercy and OG housemate, Ebuka Obi-Uchendu, trend when it’s their birthday or they’re involved in any viral conversation.
The post-All-Stars BBN fandom conversation exposed another factor that gets housemates on that table — money. According to X users, housemates or their VVIP fans, pay to trend on the popular table that gives general fans bragging rights. Some VVIPs do this by paying influencers or blogs millions of naira to mention their faves enough times on X.
Many BBN fans believe this is how housemate, Alex Asogwa, stayed on the trends table during the All-Stars season. While it isn’t fraudulent, fans agree that it further exposes the BBN world as predominantly inorganic.
Fans called out X user @princessdaprada — ex-BBN Lockdown housemate, Prince Nelson’s younger sister — after she revealed she’d paid for Alex to trend on the platform. On October 24, in a follow-up Space and X thread, which she’s since deleted, she explained that she didn’t pay specifically for Alex to trend but for a full PR package.
It’s like a popularity contest where money talks.
What does any of this mean?
Is this a call to the organisers of Big Brother Naija, because what can they do about it? There’s nothing moral about reality TV. The working formula is showcasing the worst in people for clicks. If the organisers cared about how fans engaged, winners wouldn’t be up to the public.
This is more a reality check on the crazy lengths fans will go to for their faves (contributing millions to make other people celebrities, in this economy?)
Image Source: X.com/@_NiyiDaniels It’s a lesson in the wild world of reality TV where anything goes, and fame is up for grabs to the highest bidder.
We spoke with vocal BBN fans about whether that’ll affect their engagement with future shows, and if they feel like they’ve lost something. X user, @munaliscrys, who’s been voting on and off since the Lockdown season of 2020, shared how she’s always known VVIPs existed and people bought votes, but she didn’t care enough to figure out why.
“I knew about the voting scams, but it didn’t make me second-guess anything. I know my vote is doomed from the start. Also, I don’t use my money to vote. I press a couple of things on my phone, and it’s done, so I’m never too pressed about anything that happens afterward.”
When asked if she’d vote next season after everything we know about the voting racket now:
“I won’t think twice about voting. People opened a GoFundMe for Star Girl Erica, so I wasn’t surprised people contribute and spend millions to buy votes. It’s their money, and it feeds my entertainment. If stans want to spend money to make sure my ship continues kissing on my screen, then who am I to complain? BBN scams happen all the time, so this just felt like one of them. It was a bit funny though, can’t lie.”
Most avid BBN watchers were well aware of the presence of VVIPs and voting rackets before the big showdown on X after the All-Stars finale. Another fan who’s spent money to vote on multiple occasions said, “In fact, I had popcorn ready when everything went down on Twitter (X). But hearing people speak about it directly made the reality of voting different. You really can’t trust every vote-selling vendor.
I’ll think twice about voting in the next season. I can’t be voting and some vendor sends me fake proof whilst gathering my money to buy houses and disappear. I also realised Nigerians are rich, and they need to put me on. They’ve got money they want to use just for their entertainment. From the first year I got into BBN till now, I still can’t comprehend it in its entirety. The whole thing is crazy, but not to them and their pocket.”
Welcome to the showbiz jungle, folks.
READ THIS NEXT: Timeline of Silence: Why Does Sexual Violence Have Little Consequence?
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How to Detty Your December in This Tinubu’s Nigeria
We’re in the last month of 2023, and we can barely feel the celebration in the air. Economy still is hard AF, purses are almost empty, friends and loved ones are on the japa wave. Nothing feels as they used to. Detty December doesn’t bang like it used to.
But we have one life and can’t come and kill ourselves. If you’re like us, come here and we’ll let you in on a secret; we’ve figured out some simple hacks to enjoying Detty December.
Work with the president
It’s been raining special assistants at Aso Rock. Do you see the opportunity we see? If you can convince Tinubu to make you a special assistant’s assistant, you’re all set for December. Start revamping your CV.
Work in a night club
It’s not a secret that nightclubs will be full of activities this December. Get a job there,work the bottle service and get the chance to enjoy free music and party with celebrities.
Play Santa and other mascots
If you can take up gigs where you’ll cosplay as Santa Claus or the Teletubbies, This is your time to shine. You won’t get only money payment out of it; you’ll also enjoy music and kids.. Detty December is all about music and dance, isn’t it?
Home is where the fun is is
If all else fails, sit down in your house o. Because if you step outside for one minute, 100k has gone.
If you don’t do Detty December outside this year, you’ll do it next year. Trust the vibe.
Buy unlimited data
As you already know, outside is fucking expensive. You might as well stay indoors and spend your Detty December budget on data and Netflix streaming subscriptions. You will enjoy movies and views from those outside.
Not discouraging you from going outside to flex, but also see this as your chance to be the film guru in your circle.
Go to your village
If you really need to change your location this December, pity your account and go to your village. We hope you have the courage to walk away from the noise, chaos,and the bills in the city.
Organise with friends
If going to your village is not an option because you want to be with your friends, there’s one more option to explore.You guys can have fun by putting your little Detty December budgets together and having a cheerful and warm house party. Remember a wise man said, “in the sweetness of friendship, let there be laughter and sharing of pleasures. For in the dew of little things, does the heart find its morning and is refreshed.”
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You Probably Haven’t Considered These Ways to Earn Dollars in Nigeria
If you’ve seen the latest naira-to-dollar exchange rate, you wouldn’t need a soothsayer to tell you to find ways to earn dollars in Nigeria. These days, the Nigerian dream isn’t just to japa. It has morphed into earning in freshly minted US dollars while in the motherland.
We might have a few suggestions to get you started on your journey to the Nigerian dream.
Export of agricultural produce
As of Q1 2023, Nigeria generated over ₦279 billion in the export of agricultural commodities. Exporting raw agricultural products can be a good way to double your income and earn in dollars. But it’s important to do deep market research for potential buyers, or collaborate with local farmers, before you commence. Some agricultural products you can export:
- Cocoa beans: High demand in Malaysia, Indonesia, Belgium, Germany and Italy
- Sesame seeds: High demand in China, Japan, Turkey and South Korea
- Cocoa butter: High demand in France, Canada, Turkey and Poland
- Soya beans: High demand in Canada, Turkey, Nepal and Pakistan
To kick off your journey as an exporter, you have to register with the Nigerian Export Promotion Council.
- Minimum entry requirement(s): Registration on NEPC
- Risks/potential obstacles: Fluctuating exchange rate, stiff competition, losing perishable goods
- Average required hours per week: Flexible
Organise online cooking classes
The more Nigerians seek greener pastures across different parts of the world, the more people are interested in our culture, particularly our food. If you have your culinary skills on lock, here are some great ways to earn dollars in Nigeria:
- Organise online cooking classes to teach people how to make homemade meals from scratch.
- Hold advanced level classes at extra charge, for people looking to go commercial in their countries of residence.
- Package and sell recipe videos for different meals. For example, a tutorial focused on buka stew
- Minimum entry requirement(s): Expert culinary knowledge
- Risks/potential obstacles: Bad internet, stolen recipes
- Average required hours per week: Flexible
Freelancing or remote work
Image source: Legit.ng
Your laptop, mobile phone and stable internet might be all you need to turn your financial life around.
As a freelancer, you get to choose who to work for, how to work and how much to charge for your services. In essence, you call the shots because you’re not bound to one employer. However, all these are only possible if you’re exceptionally good at a digital skill like writing, graphics design, social media marketing, video editing, coding or web development.
Once you’ve mapped out your unique selling point, move on to phase two by registering and creating a profile on freelancing platforms. Consider starting with popular platforms like Upwork, Fiverr, PeoplePerHour and Freelancer. However, there are opportunities on platforms like LinkedIn and X too.
Next, write proposals, apply for jobs and get to work.
While you’re your own boss, it’s important to do your best work to build your credibility score through satisfied clients.
- Minimum entry requirement(s): Expertise in any field
- Risks/potential obstacles: Bad internet, dishonest clients
- Average required hours per week: Flexible
- Platforms: Upwork, Fiverr, LinkedIn
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Content creation
So you spend many hours scrolling through Instagram, TikTok and YouTube for hilarious content or quick tutorials that make life a little easier. What if we told you some of the people behind this content are smiling to the bank? And in dollars too…
Content creation might be the new national cake, and you can get a piece of it too, as long as you’re ready to put in the hard work and consistency required.
Establish yourself as a content creator by putting out content that appeals to people with similar interests. Some content creators focus on money, food, travel, etc. Once you’ve gained traction and following, you can reach out to global brands and businesses trying to reach Nigeria, or those that already have a presence here.
As a content creator, you can earn dollars in Nigeria by:
- Producing organic content such as videos, pictures and blog posts for brands
- Partnering with brands to advertise their services
- Organising online content creation classes
But that’s not all. You can also:
- Start a YouTube channel and monetise it
- Monetise your content on platforms like Instagram, X and TikTok by offering subscriptions for exclusive content
- Minimum entry requirement(s): Knowledge of photography, video and editing apps like Inshot, Canva, Capcut, etc.
- Risks/Potential obstacles: Time-consuming, competitive market
- Average required hours per week: Flexible
E-commerce
If you’re already in the business of buying and selling goods, delving into e-commerce might just be the final push you need to earn dollars in Nigeria. E-commerce is an online business that makes your products accessible to customers on a global scale.
You create an online store where people can seamlessly pay for your products in dollars and have it delivered to them.
Do you sell custom-made jewellery, footwear, fashion accessories, bags, shoes? This might be your opportunity to double your income. What are some quick steps involved:
- Choose a platform: There are many options, but Shopify and WooCommerce are two popular platforms for beignners. They both have extensive features and are easy to use.
- Set up your store: Create an account on your platform of choice and add your products. Most platforms have guides to put you through the process.
- Choose a domain name: Go for a name that’s relevant to your business and easy to remember.
- Set up your payment processor: Stripe is one of the most popular. They both have extensive integrations with a variety of platforms and are easy to use.
- Marketing: Now that you’re all set up, you’ll need to create marketing materials for your online store, such as a logo, website banner and product images. It’s also important to promote your products to potential buyers.
- Minimum entry requirement(s): Product to sell, starting capital
- Risks/potential obstacles: Competitive market, slow sales, delivery logistics
- Average required hours per week: Flexible
Invest in stocks
This is another good way to earn some dollars on the side as a Nigerian living in Nigeria. However, you need deep financial education to navigate the murky waters of stock investment.
Platforms like Rise, Bamboo and Piggyvest have made it a little easier to trade stocks in Nigeria. On these platforms, you can access a wide range of foreign stock options and choose where to put your money. You’ll need some self-discipline and patience to watch your money grow.
- Minimum entry requirement(s): Deep financial knowledge, starting capital and high-risk appetite
- Risks/potential obstacles: Market volatility, emotional decision-making, unforeseen events affecting stock prices
- Average required hours per week: Flexible
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Try These Ways to Make Money as a Student in Nigeria
Gone are the days when you have to wait until graduation to consider making an income or earning something on the side. These days, undergrads are on the lookout for ways to make money as a student in Nigeria.
If you fall in this category, we have important tips on how you can earn on the side.
How to make money offline as a student in Nigeria
It’s probably easier to make money online, but there are some legitimate offline gigs that can make you smile to the bank too.
Start a laundry service
Image Source: Guardian
Most people don’t like to do their laundry, but as a student, the urge to get help is probably five times higher. That’s where you come in. Offer laundry and dry cleaning services to fellow students at a fair price. You can save up to get a washing machine that’ll make the job easier.
- Minimum entry requirement: Knowledge of dry cleaning
- Potential obstacles: Unstable electricity
- Average required hours per week: Flexible
Sell groceries in your hostel
Image Source: Start Hustle Now
This is a great way to earn money as a student if you stay in off-campus hostels where the rules aren’t stringent. Students are often too lazy to do market runs after long hours in lecture halls and the struggle to meet up with assignment deadlines. Do some research to identify their daily needs and stock up on them. Noodles, pure water, toiletries, garri, sardine and bread are some fast-moving items to consider.
- Minimum entry requirement: ₦20 – ₦50k starting capital
- Potential obstacles: Competition, poor electricity for storage
- Average required hours per week: Flexible
Organise tutorials
Image Source: Punch
So, you’re the bookworm who knows the course through and through even before your lecturers are done with classes? Or the one everyone turns to when they need to break down a complex module? There might be an opportunity to earn some money here. Spread the word in your school that you offer advanced tutorials during weekends or other free periods at a charge. Even better, package an easy-to-understand handout and sell to your fellow students at a fair price.
- Minimum entry requirement: Deep knowledge of courses
- Potential obstacles: Clashes with personal study hours
- Average required hours per week: Flexible
How to make money online as a student in Nigeria
Nigerian students don’t joke with the internet. It gives access to information that aids schoolwork, business deals and it entertains. As a student, you can take advantage of the internet and find creative ways to make money.
Start an online thrift store
Image Source: Pulse
Students are in school to become the next doctor, lawyer, accountant and so on, but make no mistake, they mean to look good while at it. You can buy clothes in bulk from wholesalers and sell them at fair prices so your student-customers can afford them. Once you’ve stocked new clothes, take pictures and share them on your personal or a dedicated social media page. You can deliver the items through logistics services once payment is confirmed or have the students pick them up in person.
- Minimum entry requirement: Know your way around popular markets and have an eye for trendy fashion
- Potential obstacles: Competition, slow sales
- Average required hours per week: Flexible
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School registrations
Image Source: Unsplash
Any student who’s passed through a Nigerian university knows how stressful course registration, hostel registration, among other school registrations, can be. It’s even worse for freshers who are still trying to figure things out. But you can earn some cash if you’ve mastered the process.
Consider your time and the resources (internet) you’ll use when setting a price.
- Minimum entry equirement(s): Knowledge of the school’s portal
- Risks/Potential obstacles: Time-consuming, bad internet connection
- Average required hours per week: Flexible
Content creation
Content creators seem to have taken over the internet these days, but did you know many of them are students? Undergrads have found ways to create interesting content in their immediate environment, and some are earning good money while at it. You can choose to focus on areas of interest such as money, food, travel and fashion.
Once you’ve established some level of online presence and trust, pitch brands with an online target market and tell them how you can hit their business goals faster. In Nigeria, Gilmore and Layi Wasabi are student creators who earn cool cash on the side while making skits.
However, it’s important to note that content creation requires a high level of dedication, consistency and creativity.
As a content creator, you can earn money producing organic content such as videos, pictures and blog posts for brands, advertising their services and organising content creation classes for beginners.
- Minimum entry requirement(s): Basic knowledge of photography and video editing
- Risks/Potential obstacles: Time-consuming, competitive market
- Average required hours per week: Flexible
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Relatively Easy Ways to Make Money in Nigeria
Here’s the bad news: There’s no easy way to make money in Nigeria. And the good news? You can still smile to the bank if you keep your eyes open to the opportunities around you and work smart to defeat capitalism.
We’ve compiled some ways to make money in Nigeria.
How to make money offline in Nigeria
The rise of social media came with an increase in digital money making opportunities, but there are still legitimate ways to earn an income offline.
Get industry-specific skills
With the right skills, getting a job is easier. Competition is stiff out there. In April 2023, KPMG projected that Nigeria’s unemployment rate would rise to 41%. With thousands more seeking employment, understand that there are no in-betweens for recruiters. You’re either employable or not. Once you’ve taken the painstaking effort to upskill, put yourself out there. These are some things to note while applying for jobs:
- Have a professional revamp your CV
- Create a spreadsheet to track job applications
- Join communities for job seekers
- Dust up your negotiation skills
Explore agriculture
You might have rolled your eyes at farmers in the past, but that’s an offline money-making opportunity that can turn your finances around in good time. With the rise in food costs, many Nigerians now see the value in farming, and the number of people willing to get their hands dirty have significantly increased.
However, it’s important to carry out proper research to identify an area of interest and market need before venturing into farming. Some areas to consider:
- Crop farming: Cultivation of wheat, rice, corn, fruits, vegetables, nuts, seeds, herbs and non-food crops such as flowers and ornamental trees.
- Livestock farming: Rearing of poultry animals (chicken, birds, turkey), cattle, goat, pig, etc.
- Fish farming: Rearing fish for commercial purposes.
- Mixed farming: Combining crop and livestock farming.
Outside of farming, you can also consider:
- Sale of farm machinery
- Agriculture consulting
Private tutoring
The hard work comes with offline marketing and getting referrals from parents or students.
- Minimum entry requirement: Expertise in any field of study
- Potential obstacles: Competition from schools
- Average Required Hours Per Week: six-ten
How to make money online in Nigeria
Thousands of internet users aren’t just online to have fun, many people look for services to meet their everyday needs, and others are willing to provide these services at a fee.
If you fall in the second category, we’ve highlighted some ways to make money while providing services with your mobile phone or laptop.
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Content creation
You might’ve heard the phrase “Content is King” before. If you haven’t, there you have it. This is why content creators have taken over the internet these days.
Now, who is a content creator?
A content creator makes original content to entertain or educate people on social media. They build a following by consistently putting out content that appeals to a set of people who share similar interests. For example, some content creators focus on money, food, travel, etc.
With more businesses trying to reach their target market on the internet, content creators help bridge the gap. In Nigeria, Alma Asinobi is a travel and lifestyle creator who’s top of mind for travel and tourism businesses looking to reach potential customers.
Content creation is one of the easiest ways to earn money online in Nigeria. However, it requires a high level of dedication, consistency and creativity. As a content creator, you can earn money by:
- Producing organic content such as videos, pictures and blog posts for brands
- Partnering with brands to advertise their services
- Organising content creation classes
- Starting and monetising your YouTube channel
To start your content creator journey, choose a platform of choice and consistently put out content. Potential obstacles are internet hackers and competition from other creators in the oversaturated field. But hey, the working hours are flexible.
Remote work AKA freelancing
With a laptop, mobile phone and stable internet, you could earn a killing for your skills by offering freelance services.
Freelancers are not bound to an employer, which means they can take on as many jobs as they can handle, and earn from multiple streams. If you’re good at writing, graphics design, social media marketing, video editing, coding, web development, or any digital skill really, there are loads of opportunities for you to earn money through freelancing.
And the good news? It’s easy to start. First, you’ll need to register and create a profile on freelancing platforms. As a beginner, you can consider starting with popular platforms like Upwork, Fiverr, PeoplePerHour and Freelancer. Next, write proposals, apply for jobs and get to work.
With freelancing, it’s important to do your best work to build your credibility score through satisfied clients.
- Minimum entry requirement(s): Expertise in any field
- Risks/potential obstacles: Bad internet, dishonest clients.
- Average Required Hours Per Week: Flexible
- Resources/Websites: Upwork, Fiverr, Freelancer
How to make money online as a student in Nigeria
Are you a student in a Nigerian university? If yes, chances are you could use some extra income. Almost everything is designed to finish your pocket money no matter how prudent you are. Food, handouts or a dating life that requires little monetary sacrifices here and there. Don’t worry, we’ve got some pointers to help you earn a little on the side.
Sell online courses
You can do a lot more with your midterm papers, long essays and research work as an undergraduate student. If you’ve put in a lot of work into writing a project that scored you an A or B, you might want to consider repurposing it and selling it as an online course. Professionals in your industry are looking to stay updated with the latest findings in research and may be willing to pay for your project.
This is a great way to build your authority in an industry, and ultimately, position yourself for better opportunities after graduation.
Make sure your online course is packed with value, and sell on online marketplaces like Udemy and Sellar.
- Minimum Entry Requirement(s): Knowledge in area of interest
- Risks/Potential Obstacles: Distrust from potential customers
- Average Required Hours Per Week: Flexible
School registrations
Course registration, hostel registration, among other school registrations can be a daunting process for fresh and even some old students in university. That’s where you come in: offer to help them at a price.
Remember, you’ll be charging for your time and the resources (internet) used, so you should consider this when setting a price.
- Minimum Entry Requirement(s): Knowledge of school’s portal
- Risks/Potential Obstacles: Time-consuming, bad internet connection
- Average Required Hours Per Week: Flexible
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How to make money with your smartphone in Nigeria
You can do more with your phone, especially if you’ve invested in an high-end device. If you’re thinking about cashing out the ROI, you might want to consider these options to earn money with your phone.
Work as a social media manager
The demand for social media managers is soaring, and with a good mobile phone, laptop (optional) and stable internet, you can work anywhere and make money as a social media manager.
You’ll handle social media pages and communities on platforms like WhatsApp, Instagram, X, Thread, TikTok and Facebook for brands and individuals at a charge. While this is a seemingly easy way to make money, you’ll need to be knowledgeable about the new trends on these platforms.
Your task will include posting and scheduling content, engaging with the audience, and keeping track of the company’s analytics.
Still, some social media management roles go beyond posting content and replying to comments. You may be required to carry out a company’s social media content strategy, which often involves studying engagement statistics and creating online promotions.
- Minimum Entry Requirement(s): Deep knowledge of social media, relevant certifications
- Risks/Potential Obstacles: Competitive market
- Average Required Hours Per Week: Flexible
Work as a virtual assistant
Are you detail-oriented? Great at organising? Have communication skills on a lock? Then working as a virtual assistant can be a great way for you to make money on your mobile phone. It gets better because you can work with anyone, anywhere in the world. As a virtual assistant, you’ll offer administrative support for clients, managing their calendars, responding to emails and phone calls.
- Minimum Entry Requirement(s): Relevant skills and certifications, knowledge of Google Workplace and relevant skills
- Risks/potential obstacles: Poor internet
- Average required hours per week: Flexible
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12 Prayers For Your Boyfriend to Have Money
A saying says behind a successful man is a supportive lover. If you’re thinking of a creative way to support your boyfriend aside from spoiling him with money, love and care, it’s prayers.
Today, Zikoko is your guardian angel and we’ve prepared these direct-to-God prayer points to say for boyfriend to have money. Say some prayers today.
Small work, the whole CBN
CBN is the Central Bank of Nigeria. This prayer point asks for a stupendously paying job with little work and stress.
The big tree of your success will not die
Your man is successful because you, his big tree, stay behind him. It’s indirectly a prayer for yourself, except you’re someone else is his big tree.
Divine Financial Planner, secure my man’s savings
If you know the only thing preventing your boyfriend from becoming rich and setting up your baecation is reckless spending, say this prayer for him o.
Every tax season will be your celebration
There’ll be so much money the tax corporation will throw a party in your honour every time they audit you.
Dear Currency Composer, compose my man’s bank account in high-key notes
Trust me, sweet, if your money notes are soprano enough, you’ll make Maria Callas and Beyoncé look like amateurs.
The heavenly hedge fund manager will diversify your investments
If this prayer gets answered, trust me, Tony Elumelu and Jay-Z will seek you for advice.
Your fellow men will see you and lose home training
Too much money makes fellow men hail you every minute and take every letter you speak as gospel. It speaks of importance. Say amen to the prayer.
Rich women shall always locate you
If you and your man are broke, at least pray that rich women find him and spend on his head. Just make sure you collect your cuts.
Dollar shall fall on you
Although Davido said this in his song Fall in 2018, now is the best time to pray for this fervently. Dollar is very high, and the law of gravity must prevail. Your prayer will direct dollars to your man’s head.
May your income flow like my dress on our wedding day
Yes, this killing two birds with one stone — a good money prayer and a signal that your relationship will lead to marriage. Any serious man that wants plenty money will do the needful asap.
Sapa man shall avoid me
Though it may roll out of the mouth like a shot, don’t take it to heart; it’ll make your boyfriend grind harder and make money to care for both of you. He knows better than to disappoint you.
Your account balance will scream “Nollywood plot”
Unexpected and fabulous is what this prayer means. No one sees the money coming, but people will admire or envy the wealth when it arrives. The type of money that will make you play Kizz Daniel’s Buga at thanksgiving.
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10 Afrobeats Watchwords to Strengthen Your Anti-Black Tax Resolution
Once you get into the black tax pool, it’s hard to get out. Even when you tell yourself “Enough is enough. I can’t kill myself,” you keep giving and giving in to rampant demands.
But you can save yourself by self-motivating with these Afrobeats lyrics we curated against the black-tax movement.
“Sometimes you might see me looking dope but nothing’s in my bank account, the boy is broke”
This country is hard AF. People know that. But they also need to know you’re just as down as them. You’re just keeping up appearances and posting throwback pics to spark joy. The next lines go: “Trying to meet demand, I swear it’s hard to cope / Me sef I be human being o”. Black tax should not vex; you’re just a Human Being — word and song by M.I Abaga.
NotjustOK “I’m at a point in my life, if you understand me or not / Misunderstand me or not, me, I’m okay”
Let these words of King Promise be your declaration as you walk another day. No one will beat you if you don’t give them a chance to tax you. Whatever anyone thinks about you is their business. Everyone will be okay. Or not.
“If I dey down now, who go lift me up? If battery low, na who go charge me up?”
These are the questions you need to ask yourself sometimes. The answer helps you move accordingly. Responsibility must’ve hit Joeboy too suddenly, he had to keep screaming the track title, “Only God can save me” throughout the song. Even the artwork shows he needs help.
“Na who born, na who born, na who born the maga?”
“Maga” means “fraud victim”. And if you’re the one people black-tax, doesn’t that make you their maga? Look into the mirror every morning and recite these lyrics to yourself. You won’t be a maga IJN.
“I’m unavailable. Dem no dey see me”
Davido knows how overwhelming it is to look after other people; man had to voice out. You don’t want anyone to use their own responsibility to kill you for the LOYL, so decide who has your number and avoid posting on WhatsApp.
“Tán bá disturb, ko pa data”
Zlatan said this on Blaqbonez’s BAD TILL ETERNITY. It’s straightforward — if anyone disturbs you in order to tax you, turn off your data connection.
“Keep your eye sharpen because e get as you go move around me wey fit end up for DND”
DND by Rema is the ultimate guide on how to manage your affairs and stand your ground in the face of entitlement and manipulative bullshit. He ended the chorus with “Even egbon dey collect DND,” meaning an uncoordinated elder can get a snub or two.
“Ki lo kan boys? Ki lo kan federal?”
These rhetorical lyrics from Asake’s Joha translate to, “Why should boys care? Why should the federal (government) care?” Be the black sheep of the family. Be careless like the Nigerian government. 👀💀
“Do me, I do you. God no go vex, true religion”
If the people taxing you have done you bad or worse before, I guess it’s payback time. I didn’t write this good gospel, Ghost of Show Dem Camp did on WYW.
“Is this the motherfucking thanks I get for making my people proud?”
Say whatever you like about Burna Boy’s entitlement on his song Thank You, but it’s how you truly feel when people aren’t appreciative of what you do for them.
ALSO READ: 8 Nigerians Share Their Black Tax Stories
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Everything You Need to Know About “Olóládé” the Series
Nollywood has been exceptionally consistent with Netflix releases in 2023, with productions like Black Book and Jagun-Jagun making real impact. And another TV series, Olóládé (meaning “the wealthy has come”), is set to join the lineup.
We bring you exclusive info from TNC Africa on everything to know about Olóládé.
Six-part series
Olóládé, a six-part series, follows two friends — Shina, a secondary school teacher, and Lateef, an auto-mechanic — who run into sudden wealth, which they use to build a betting business. Then the consequences find them.
PulseNg Inspired by an old Yorùbá classic?
Olóládé the series brings to mind an old Yorùbá Nollywood film by Ebun Oloyede’s Olaiya Films, titled Olóládé Mr Money, a dramatic horror about a man who did rituals to become wealthy. Whether the series borrows from the old Yorùbá film or not, its production team has collectively described it as a “homage to Nollywood TV classics”.
Language
While Yorùbá is the primary language, the writing team — headed by Lani Aisida (Skinny Girl in Transit, Rumour Has It) — brings us a relatable script that permeates ethnicity and tongues. According to the director, Adeniyi Joseph Omobulejo (TAJ), “When you watch Olóládé, you will feel a lot of nostalgia. It’s good storytelling at its core. You can expect to see relatable, well-developed characters and drama unfolding, which for me, is what good storytelling should be”.
TNC Africa
The production company behind Olóládé was co-founded by Gbemi Olateru-Olagbegi, Daniel Aideyan and Olawale Adetula — the series’ executive producers — in 2021 to focus on making original African TV series. So far, they’ve produced A Little Black Book and My Name Is A-zed.
Production team
Olawale Adetula, Adaugo “Falcon” Uzoma and Dele Ishola are the producers of Olóládé. The consultant producer is Leye Fabusoro, with Adeniyi Joseph-Omobulejo (TAJ) as the director.
TV cast
The cast list boasts veteran actors like Femi Adebayo, Kunle Idowu (Frank Donga), Mercy Aigbe, Jaiye Kuti, Mide-Funmi Martins and Liz Da-Silva. It also features emerging Nollywood stars like Adebowale Adebayo (Mr. Macaroni), Oluwatobi Olubiyi (Agba) and Debby Felix.
Image Source: BellaNaija Principal photography
Principal photography commenced in the first week of January 2021 in Lagos, Nigeria, and was completed in March 2021.
Image Source: TNC Africa Debut release
Olóládé the series will make its debut on Netflix on November 24, 2023.
TNC Africa ALSO READ: We’ll Never Forget How These Old Nollywood Movies Made Us Feel
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Money Is the Root of Chaos In “Bank Alert”
Upcoming Nollywood film Bank Alert has been trending since its trailer was released on November 13, 2023. The funny dialogue and the sight of the OG actors in the trailer has also helped build anticipation.
But while we wait for the official release, we’ve looked around and found a few interesting details about the film.
Bank Alert
From the title we can tell one of its central themes will be about money. Its plot centres on a struggling family man, Sammy, who suddenly receives a whopping sum of ₦500m in his bank account. This man has no idea who the sender is but goes ahead to spend the money lavishly and puts his loved ones in harm’s way.
Comedy-drama
According to the producer, this is a comic film. Imagine the hilariousness when Okey Bakassi makes a statement about money ritual and Kanayo in a scene that has actor Kanayo O. Kanayo, the man he referenced in it.
But Bank Alert is also a crime film, and it follows how the people of the underworld try to recover their ₦500 million.
Director and producer
The director of Bank Alert is Akay Mason. His previous directorial projects include Elevator Baby and Love In Pandemic. Wingonia Ikpi serves as the producer, collaborating with Sterling Bank and production companies, FilmOne Studio, Trino Motion Pictures and Tribal Marks Media.
Okey Bakassi
Aside from playing the lead actor, Okey Bakassi is also the co-producer of Bank Alert. Although not his first acting gig, this film is his first big-screen project.
Veteran cast
This film will give us a line-up of OGs actors like Taiwo Hassan (AKA Ogogo), Tina Mba, Kanayo O. Kanayo and Kate Henshaw. We’re in for a stellar performance.
Cinema date
The cinema release date is set for November 24th, 2023. In my opinion, this is a smart move from the team — it’s a day before salaries begin hitting bank accounts.
READ: You Should Watch These Yoruba Nollywood Movies at Least Once in Your Life
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How to Make Money Online As A Musician
You may have heard that only musicians who tour eat good. There’s some truth to it, but it’s more feasible for big artists with solid fan-bases and enough hit songs to pull shows and crowds.
If you’re not there yet, you can diversify your strategy and use your brand to make money online.
Live streams
Live streaming has become popular since the COVID pandemic, making musicians become creative by setting up virtual shows, selling tickets and performing online for their fans. Something similar happened at Rolling Loud this year;people who couldn’t be at the festival but wanted to be a part of it paid for Prime Video membership to watch the performances.
Employing this tactic as an artist might help to reach fans outside your location. Even if you’re shy to charge fans and streamers, a virtual tip jar is an option. Anyone God touches their heart will drop something for you.
Streaming site revenue
Get a music distributor to distribute your songs to multiple streaming services and you can turn your streams into money (Nothing for you if you use streaming farms).
Also, scrap free download sites off your plans today.
Digital downloads
If you don’t use digital download sites like Bandcamp and Amazon Music, you can set up your website, upload your digital albums or singles and sell directly to your fans. No label, no middleman, no distro, just you.
Make A Meme Merch sale
Merch can be anything from physical (CDs, vinyls, t-shirts, hats, hoodies, stickers, et.) to digital NFTs, sheet music, stem files, etc.). You can package and put up items like for sale on a website.
Fan subscriptions
With a subscription option on your website, fans can subscribe and pay a monthly fee to access exclusive content like behind the scenes or rare footage, early access to new music, merch discount offers, etc. Charge a reasonable fee sha.
YouTube channel
If your music is used in a YouTube video that has an ad, YouTube ensures part of that ad money touches your hand because you’re the song’s rightful holder. You can also make money from the videos on your YouTube channel, but it depends on your subscribers and view numbers. The more, the merrier.
Social video monetisation
When your music is used in a video content on social media services like Facebook, TikTok and IG, some of it can reach you too. You just have to make sure you’ve enabled that with your distro.
Online music lessons
Whether you’re selling educational music materials (e-books, videos, audiobooks, etc) online to people who want to learn, or teaching music lessons through Google Meet or already-made video lessons — there’s money to be made. Just share great knowledge and unique perspectives.
Take a break from thinking about money alone. Come out to Burning Ram on Saturday where the biggest meat and grill party will happen. Tickets are still selling here.
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“He Doesn’t Buy Me Stuff” — Nigerian Women on Earning More Than Their Partners
Every market day, opinions abound on social media about how women earning more than their partners negatively affects the relationship dynamic.
We asked some Nigerian women who earn more than their partners one question: How does your income affect your relationship?
Image designed by Freepik
Eloho*, 29
I earn almost 200% more than my husband, and I think he resents me for it. Anytime I complain about the cost of things, he’d “jokingly” say stuff like, “If big madam like you is complaining, what about we poor people?” It sounds like a joke, but he’s always making offhand comments like that. I can’t tease him about buying me stuff because he’d say I’m richer than him.
I’ve spoken to him about how his comments make me feel, but he’d apologise and then go right back to it after some time. I’ve always had more money, even before we got married three years ago, but it’s as if he only realised it after. It makes me uncomfortable, but it’s my cross.
Joyce*, 31
I walk on eggshells around my husband when it comes to finances. He’s very traditional and believes he should be the one to provide. He knows I earn more but insists we live a life he can afford. One time, I suggested changing our child’s school, and he said he couldn’t afford the fees. When I offered to pay it myself, he was like, “So, you’ll tell people I can’t do my duty as a father, abi?”
I have to hide any new thing I get for myself or our child because he’d start sulking if he noticed. Another time, I sent money to his account to offset an urgent need without informing him. He just muttered a thank you and went about his business. I haven’t tried it again. A family friend advised me to send all my money to him at month’s end and then ask him to give me an allowance so he’d feel like the man of the house. Me, I can’t give a man that kind of control over my life.
RELATED: “He Cut Her Braids Short in Public” — 7 Women on Why They’d Rather Make Their Own Money
Ronke*, 27
My husband appreciates that I bring enough to the table, so he doesn’t feel a way about me earning more. But he doesn’t buy me stuff.
We’re very transparent about how we spend money, and I always tell him before making any payment. I can say I like a particular wig now, and he’ll just say, “Buy it na”. I have the money, but I wish he’d take the initiative and buy me stuff with his own money too. The one time I tried to talk about this, he said, “I thought both your money and my money is OUR money. It doesn’t matter where the money to buy what you want comes out from.” But it matters to me. There’s no surprise or feeling like, “My husband bought me this.”
Dora*, 25
I’ve been dating my boyfriend for about two years and only started earning more than him when I got a new job in 2023. When I first told him my new salary, he joked about me putting him on a boyfriend allowance since I now outearn him. But he doesn’t ask me for money, and I haven’t noticed any change in him. I can now afford to take him on dates and send random gifts, which I love doing. He’s done the same for me, so it’s not a big deal.
Stella*, 28
I took on most of our wedding expenses two years ago, and have been the primary provider in the house since then. I didn’t think it was an issue because he also spent his money on us. But he lost his job six months ago and doesn’t seem in a hurry to get a new one. The one time I suggested he help me make the market runs since he was home and I was working late, he threw a fit. I can’t ask him to help me around the house because he’d take offense. But I’ve handled rent and other home expenses without a word for years.
Why is it that I can take up his duty as a provider without complaint, but he can’t assist me with mine?
Josephine*, 30
I’ve always earned more than my husband, and he’s a generally good sport about it. But he can also be sensitive. I didn’t know this when we first got married, so every time I returned from the market, I’d rant to him about how everything was getting more expensive. It was harmless gist to me, but one day, he told me he usually felt bad when I complained about money.
In his mind, it was because I was spending my own money since he couldn’t afford to pay for all the home expenses. So now, I’m conscious about how I talk about money with him. Money has contributed to many of our fights — he gets mad if I try to talk about his spending habits. It’s just a sensitive topic in our home.
*Names have been changed for anonymity.
NEXT READ: 6 Women on the Burden of Being Breadwinners in Their Families
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Signs Your Partner Is Hiding Money From You, and What to Do About It
Financial transparency in relationships is everything. There’s nothing more heartbreaking than finding out the LOYL isn’t being honest with you when it comes to money.
Before you spend half the relationship giving freely and receiving excuses, these are signs to help you know they’re just plain selfish (because they don’t want to give) or manipulative (because they still want to borrow or get you to spend on them).
No bank alerts on their phones
In this world of “savings or current” everywhere you turn? There’s no way they aren’t receiving alerts. They’re either deleting or got their bank to stop sending. This can only mean one thing.
They never release their ATMs
Picture this. They need money, have no plans to go to the ATM, but the moment you offer to hep them withdraw, they squeeze an impromptu ATM run into their schedule.
They complain about money before you ask
It’s called “counter-billing”. After all, you’ll have to be an insensitive partner to ask for more money when “My dear, they’ve not paid salary and the month ended two weeks ago”.
They never come home with receipts
I know it’s giving team #SaveTheEarth, but think about it, if you don’t see the receipt, how will you know how much they spent? Or that they even spent money at all.
Multiple personal bank accounts
Two to three bank accounts is understandable, but five? Six? Something is off, and they’re probably stashing millions in one of those accounts.
They avoid money talk
It’s one of two things. One: They don’t have money and feel too sad to confront their reality. Two: They have money but don’t want you to know about it.
They never withdraw in your presence
They avoid the ATM like a plague whenever you’re around. In fact, you’ve never seen them use the facility. In case you don’t know why, it’s because they don’t want to part with some of that cash when you see it.
Now that you know, what’s the next course of action?
Talk
Because sometimes our feelings get the best of us and we could be jumping to conclusion. Have a conversation to highlight your worries, and pay attention to how they respond because that’ll determine your next move.
Memorise their salary date
Infor l’eyan fin fo. When you know their pay day, no excuse they come up with will hold water.
Revenge
This should be your last resort, when you’ve seen they have no intention to change their evil ways. If they go low, go lower than the snake in a ditch.
Meanwhile, you’ll have your fill of grilled, peppered, fried meat and many more at Zikoko’s meat festival on November 11. Get your Burning Ram ticket here.
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QUIZ: How Much Money Would Make You Happy?
₦3,500, because that’s how much it’ll cost you to get into the land of meat, fire and endless joy.
Get your tickets now.
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10 Street Quotes That’ll Fuel Your Hustle Spirit
There’s a way sayings from the streets hit you when you hear them. It might be because of their humour. Or maybe it’s because they’re often relatable. However you look at it, they work.
If you’re looking for Nigerian street quotes that will keep you on your grind, these are for you.
I get am before no be property
This quote speaks to living in past glory. You need to keep hustling to stay balling.
Person wey dey find money no dey off data
It’s the internet age now, baby. 9-5’er or entrepreneur, you need an internet connection to do your job or promote business.
Na determination okada dey take overtake trailer
You’ll go past your biggest obstacles if you just go for them.
School bell wey sound like noise for assembly go sound like music for closing
What’s rough now will be smooth later.
Your Indomie quick done no mean say who dey cook beans lazy
Don’t underestimate anyone who isn’t balling right now. Your journeys aren’t the same.
No be who pay school fees dey first graduate
Another reminder that it’s not about who makes it faster, it’s who makes it later in life.
Follow who know road but hold your T-fare
Walk with problem solvers, but always have your own solutions with you.
No struggle, no success
We reject a hard life. But diamonds don’t shine without pressure.
Anywhere belle face na front
For those who believe that any way is a way, this is your mantra.
Price of bread no dey fear breadwinner
If you’re rich, nothing will be too expensive for you to get.
