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  • Are You Financially Irresponsible, or Is It Nigeria?

    Our parents started teaching us delayed gratification early. 

    You know how growing up, you didn’t dare eat the meat in your food till you’d cleaned your plate? They wanted you to resist immediate pleasure for the satisfaction of eating something you actually like after being forced to swallow semo. It was a good lesson, but it’s not really useful these days. There’s no guarantee that the meat wouldn’t have grown wings by the time you’re done eating.

    https://twitter.com/oluchukwuijn/status/1681408439489101824?t=Jx0m7IDlxQ005ZiY64NrIw&s=19

    In case you haven’t already figured it out, meat is a metaphor for money. Tinubu’s Nigeria Today’s economy might have you thinking that you’re making bad money decisions. That’s a lie from the pit of capitalism, and here’s my case.

    Inflation is on colos

    AKA, inflation is flying higher than a kite right now. So, no matter how frugal you try to be, your ₦5k can  never comfortably last one busy work week again. Blink once and it’s gone, but it has nothing to do with your ability (or inability) to make good financial decisions.

    The naira is falling more than someone in love

    In a country that’s heavily dependent on forex and importation, everything is suddenly triple the price. Well, except your salary.

    The price of gratification has gone up

    You can decide to put off buying shawarma till you receive salary at the end of the month, only to hear that the price has increased by ₦2k because the shawarma vendors are business people trying to cut a profit too. So according to Nigeria’s economy, instant gratification is the way to go.

    Government-induced sapa isn’t hitting the brakes

    In just about three months, fuel prices, school fees and food prices have soared through the roof. The sapa is touching everybody. Even if you’re getting ₦1m every month, by the time you buy fuel of ₦500k, you’ll be wondering if you’re living above your means.

    You may just faint

    It’s not like you’re throwing money away. You’re literally buying things you need to survive. So what if you finish your money on something “unnecessary” like cake? You’ll need something to replenish your energy after thinking about how messy Nigeria has gotten.

    It’s not you, it’s Nigeria

    At the end of the day, it’s just Nigeria. You’re doing amazing, sweetie.

    [ad][/ad]

    NEXT READ: School Might Be a Scam, but Not if You’re Nigerian

    Tife Oni

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  • 10 Pictures That Are Too Real for Nigerians During Salary Week

    When you’re broke but still need to go to work

    If you’re not working remotely, this is the genesis of your problems.

    And you don’t have a car but still need to pay for transportation

    Two options:  you can either call in sick or pretend it’s the weekend.

    When you try to borrow from people but they’re broke too

    Everyone else is waiting for their salaries too.

    And you start to convince yourself that it’s only a few more days before your salary drops

    It’s the hope that kills, but you have to stay alive till it comes.

    You start budgeting because you’ve finally realized that you need to do better with money

    All those money skills that only work when there’s no actual money.

    You start to regret your terrible spending habits

    You flashback to the times when you were (acting like) a baller.

    Salary day comes, it’s 2 pm, and the alert still hasn’t dropped

    The anxiety is second to none.

    You also can’t go home because how will you trek from Yaba to Berger?

    This is where you start pretending to work late but you’re actually losing your mind.

    Your salary finally drops and you breathe a sigh of relief

      Your enemies have been put to shame.

    Then you forget your budget and start spending like you’re Otedola’s long lost child

    Budget who? You’ve suffered too much to not spend this money.

    NEXT READ: A Case for Doing the Barest Minimum at Work

    Sheriff Alimi

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  • All the Reasons You Should Embrace Sapa

    You think your biggest problem is sapa, so you devote all your time and energy trying to avoid it. But we’re here to convince you with these eight reasons why you should give sapa a chance. 

    Easy way to avoid billing 

    You won’t have to worry about looking for ways to avoid billing because you’re actually broke. If anything, you should be the one billing them sef. With time, nobody will send you again. So even when you now get money, they won’t come back to bill you. 

    You learn to enjoy your own company 

    Instead of always hanging out with people that may be planning to japa without even telling you, you’ll spend time in your house, enjoying your own company.

    Peace of mind 

    Just think about it. Nobody is calling you; you’re not calling anybody. Even social media fights will not interest you. Because where will you see the energy to argue about who is the GOAT online when you’ve not eaten? 

    You’ll eat healthily

    Cravings where? Being broke will force you to look for substitutes. So you’re craving pizza? Don’t worry, you’ll like bread and egg. And since you’ll no longer be spending money on junk food, you can now focus on your fitfam journey. 

    Also try: 7 Unconventional Foods to Fight Back Sapa 

    You can separate the fake friends from the real ones 

    What’s a better test of your friendships/relationships than sapa? When you’re broke and have nothing to offer, you’ll see the people that still rate you. 

    It births creative ideas 

    You may not agree, but most of the best ideas come to us at our lowest. So when you’re broke, you’ll focus your energy on the different ways you can make money to japa from sapa. 

    Decision-making is easier 

    You no longer have to stress your head about what to eat or if you should get a dress instead of a bag. Because when you’re broke, your options are limited. You only buy what you can afford.

    You develop an attitude of gratitude

    Why else do you think urgent ₦2k slaps? Because sapa has shown you shege, you’ll learn to appreciate any and every assistance. 

    You have to read: Sapa Is Real, and These Are the 7 Signs You’re About to Be in Debt 

    Meyimi O.

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  • These 8 Foods Will Stay With You at Your Brokest

    Tough times don’t last. But when they come, man’s gotta eat. Which is why we dug deep for these eight foods under ₦1k to show you that even when you’re broke, you can still chop life.

    Spaghetti

    Forget that inflation is affecting the price of spaghetti. It’s still your best bet if you want to stay alive when tough times hit you.

    Palm oil rice

    Hear us out. We know the two main parts of this food – palm oil and rice – are as expensive as Taylor Swift’s legs. But you’re dealing with your last ₦1k here so you’re only buying little of each. Of course, it’ll taste like piss, but you don’t care. You’re just trying to stay alive here.

    Bread and soda

    This is often called a bricklayer’s food, but whoever came up with that name missed the point. It’s not just for bricklayers; it’s the staple of hard life. 

    Garri — with no sugar

    If this already leaves a taste of sadness in your mouth, you’re getting the point. But that’s not a big deal. You can just call it “Diet Garri” and you’re good to go.

    RELATED: What’s the Wildest Thing You’ve Done for Money? — We Asked 6 Nigerians

    Banana fruit salad

    Get creative and make a salad with bananas and a couple of other fruits. You’ll still be hungry, but the bananas will help, and at least, you’ll spend less than ₦1k. 

    Cassava and corn

    This may be your cue to take a certain presidential candidate’s advice and start looking for where to buy corn. If there’s no corn, find cassava or fufu. Narrator: “For what?”

    Raw Indomie

    Who has time to put Indomie on fire and wait for 10 minutes before it’s ready. Also, I know we’re working with a budget and there’s a chance you can’t afford the gas to cook it. Just eat the thing raw and drink water.

    Food for the soul

    Since you’re deaf to what inflation is saying right now and are still looking for food that’s under ₦1k, just read the word of God. It’s food for your soul, and it’s free.

    NEXT READ: 7 Ways to Make $1000 You’re Probably Not Thinking About

    Sheriff Alimi

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  • More Things Buhari Needs to Ban to End Insecurity

    It’s well-established by now that it’s dangerous to leave the Buhari government to think about anything by themselves. So, it’s no surprise that the president is now considering a nationwide ban on okada operations. Why? To fight insecurity, of course. The logic is that banning motorcycles makes it harder for terrorists to operate in the manner they currently do.

    The government believes banning okada is a small price for Nigerians to pay to finally say goodbye to killings across the country. This got us thinking about how many more things the government should ban to achieve its goal. 

    If we were allowed to be part of the National Security Council (NSC), here are the things we’d recommend for banning so that peace can reign.

    Poverty

    Poverty undoubtedly provides a steady supply of recruits for terrorism and crime in general. It’s easier to convince someone that has nothing going for them to enlist for a life of destruction. Building a more prosperous country for all automatically blocks this pipeline and insecurity would quickly reduce as a result. It’s simple maths.

    But the only reason it’d be hard for the government to ban poverty and build a prosperous country is that they’d have to actually put in stellar work to pull it off. But alas….

    Amnesty programmes

    More Things Buhari Needs to Ban to End Insecurity

    “Go and sin no more” has become a strategy that the Buhari government has perfected for the worst sinners. The Federal Government has its Operation Safe Corridor programme for repentant Boko Haram terrorists, and some state governors have also offered amnesty deals to terrorists in their territories. Even a wanted terrorist with a ₦5 million bounty on his head recently scored a chieftaincy title in Zamfara.

    There’s nothing to show that these peace deals for terrorists are working, so it’s time to put an end to them. Send terrorists to prison or to God.

    ALSO READ: Zamfara State Gives Award for “Best in Terrorism”

    Prison breaks

    More Things Buhari Needs to Ban to End Insecurity

    Speaking of prison, Nigeria has been failing miserably to keep criminals in prison while they await trial or serve their prison terms. More than 4,000 prison inmates who have escaped since 2020 are still on the streets. It’d be nice if the government actually focuses on excelling at things within its control. No more prison breaks, please.

    5G

    It’s already been blamed for a global pandemic, so what’s one more thing in Nigeria? 5G has actually had a tough time finding a home here, and we may as well just ban it so that terrorists don’t have access to even better connectivity to make the government look even more incompetent. 

    Firecrackers and knockouts

    More Things Buhari Needs to Ban to End Insecurity

    Since we’re just banning anything now

    Firecrackers have already tasted bans in some states so it wouldn’t even be shocking to fully ban them. Firecrackers already sound like guns and explosives. If you’re thinking like the Nigerian government, you want to ban them now before they develop minds of their own and grow to become guns and bombs.

    Lai Mohammed

    More Things Buhari Needs to Ban to End Insecurity

    You can’t defeat insecurity with lies and propaganda. And there’s something about Lai Mohammed always claiming Nigeria’s security is improving that feels like it’s adding to the problem. To do better at tackling insecurity, we need to stop people who may hide the truth about the situation. And who better to start with than Lai?

    Ban it

    ALSO READ: Buhari’s Weirdest Decisions We Thought Were April Fool’s Day Jokes But Weren’t

    Samson Toromade

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  • 7 Unconventional Foods to Fight Back Sapa

    Escaping sapa is the Nigerian dream, and while we keep moving on our journeys to freedom, you have to keep fighting back. 

    Food is the most important weapon you need in your arsenal, and Zikoko is here with the right cookbook for you.

    Diced Mangoes

    How would you dice a mango? Well, that’s left for you to figure out. But this food is a smash hit for the times when Sapa shows its true colors.

    Fufu and Egg

    How do you get more than enough carbs and protein while on a budget? Here’s your answer: you don’t even need three square meals after eating this. Think of it as an abridged version of a balanced diet.

    Beans and Amala

    This is based on consensus, and it works as a less simplistic version of fufu and egg. It’s basically fufu and egg with more happiness added. 

    Garri and Crayfish

    Crayfish is that unsung universal food hero that tastes good with everything. You can use crayfish for Jollof rice, stew, yam, and many more foods. So why not with garri too? 

    ALSO READ: Interview With Crayfish: “Igbo People Need to Release Me”

    Fruits of the Spirit

    Sometimes, all you need is to go to church and listen to the word of God, because he who is filled with the spirit will not want things of the flesh.

    Tomato paste Jollof rice

    As the name implies, this is basically jollof rice made mainly from tomato paste and a few spices. You may argue that it’s not jollof rice but that’s really your business. Try it out and see if it doesn’t come out looking like Jollof.

    Bread and Noodles

    We would have suggested spaghetti and bread, but we’re trying to fight sapa here, so let’s stay focused. Bread and noodles are basically two of the cheapest foods that Nigerians absolutely love. Also, what does bread not go well with in this life?

    Enjoyed this listicle, read what to add to your diet if you’re tired of eating the same meals every day.

    Sheriff Alimi

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  • Sapa Is Real and These Are the 7 Signs You’re About to Be in Debt

    If you find yourself in any of these seven categories, just know that you’re one step away from doing bambiala on the streets with a bucket.

    1. You’re always outside

    This is a safe space, so be honest. Are you really outside for premium enjoyment or did your landlord send you packing?

    2. You’re not paying tithe

    Don’t allow Mummy G.O catch you. Better pack the money to her church on Sunday so it can increase. By now, if you check the list of people already going to hell, you’re already there. But at least try and make sure you’re not going to suffer here too before you enter  hell fire.

    3. You’ve not done your 2021 appraisals yet

    If you’re a slave to capitalism, are you sure you’re safe this year? If things go south, do you have any savings or will you be spending 2022 under a bridge?

    4. You’re dating an Abuja big boy/girl

    You’re just one phone call away from lending them the money to lock down a hooge deal. Just make sure they’re not living in a borrowed car first because nobody will put money in your Gofundme.  

    5. Your read receipts are off

    If you can’t use your full chest to turn on your blue ticks, then you’re probably owing money you can’t return without suffering.

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    6. You dine in Lagos restaurants

    If you’re out on the streets of Lagos enjoying spaghetti bolognese and creamy pasta every week, you’re only one step away from packing your bags to the village.

    7. You can only imagine enjoyment

    In December you were shouting, ”Don’t worry about my destiny,” now, you can only afford memories of enjoyment. It is well.

    Ortega

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  • School Fees, Rent and Work: 5 Nigerian Dads on How they Survive January

    At this point, everyone and their family members can relate to January being the longest and most challenging month of the year. We usually receive our salaries in the thick of Detty December, making it hard for us to save and plan for the new year. While this year’s January seems to be speeding, many of  us may  still be stuck in the financial trenches right now. We asked some Nigerian dads about their current January situation and how they’re avoiding SAPA. 

    “Why are we paying over N150,000 for a child who isn’t learning anything?” — Kamdi, 43

    I have three kids, so it’s easy to assume I would be used to January and its wahala by now, but alas. My little one started creche this month, and because there’s a four-year gap between the baby and her older brother, we hadn’t done this creche or baby thing in a while. Omo, everything don cost! Why are we paying over N150,000 for a child who isn’t learning anything? I tried to talk my wife out of it, but I started looking like an enemy of progress, so we just went through with it. We can afford it, but I still think it’s unnecessary. How are we surviving the new cost? Well, my wife is going back to work. Last last, two incomes are better than one. But there’s no way we’re having another baby, not even by mistake. 

    “Our baby came early, but we’re trying to make it work” — Nsikan, 31

    Being a dad changes your life. I know it sounds cliché, but it’s actually true. I’m a first-time dad and my baby who was due to come in March arrived in the last week of 2021. I can’t even begin to explain how draining it has been physically, mentally and financially. We had a solid plan, but this baby looked at us and said, “Dear sir/ma, fuck your plans.” 

    So far, we’ve had to dig into our savings to pay for two surgeries and his incubation since insurance wouldn’t cover everything. This is not how we planned our first time as parents, but thankfully we’d saved as much as we could. It’s annoying that I can’t complain because children — early or on time — are a gift from God and I don’t want to be ungrateful. Hopefully, this whole thing ends before the month runs out. 

    “I hate that rent is in January, but I think I have a system” — Toye, 30

    Paying rent stresses me out. I’ve always hated the idea and it’s probably the main reason why I didn’t move out of my parent’s house until I was married. My wife and I moved into a new apartment in 2019 and it’s expensive AF. Renewing our rent in 2020 almost made me cry because honestly, I suck at saving. I tell myself I’ll put cash away, but I just never seem to do it. Two years ago, to avoid stories that touch, I started saving aggressively, using one of those saving apps that deduct money from your account. It worked out well for 2021’s rent. This year, I’m ready to pay rent  at the end of the month. I’m now so used to these things that I have a savings account for everything down to the next PlayStation because heaven knows my wife will buy me a white collared shirt again. 

    “My wife lost her job, but we meuve” — Nonso, 28 

    Everyone else keeps saying that January is moving with speed this year, but for me and my family, it’s literally crawling. My wife lost her job in November last year and it’s been crazy for us. It’s not like we’re dying or anything, but losing one source of income changes the dynamics in your home. My wife suggested that she and the kids move in with her parents since they have money. I feel weird about it, but I don’t have a choice and I know it’s temporary, pending when we get back on our feet. It’s good to know that all I have to worry about is rent and school fees, let them sit there and eat grandpa and grandma’s money abeg.

    “Everything is unnecessarily expensive in December, so I sit at home” — Louis, 30

    My pro-tip for surviving January as a dad, a man, Nigerian or human being is to sit your ass at home in December. I’ve noticed over the past few years that December is just expensive for no bloody reason. All the car-hailing apps are on a permanent surge, restaurants decide it’s time to print out new menus, concerts that used to be N5,000 for regular tickets become N25,000 and everyone just starts to move mad with money. I try to create fun and affordable plans for my kids, because I owe them a good time before life starts to give them gbas gbos. Outside this, no other plans for December. I sit at home through the month, so when January comes with rent, school fees, black tax and all its other burdens, I’m not out here looking like a big fool. 

    Conrad Johnson-Omodiagbe

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  • If You Want to Survive the 100 days of January, Just Follow These 10 Steps

    How is 2020 looking for you, my fellow outside people? It’s day seven of January, and we still have about 100 more days to go. So while you hold on to the memories of Detty December in your current state of SAPA, I advise you to cut out these expenses this year.

    1. Stop buying food

    You can just disguise and join the fitfam people this month to blend grass into smoothies. Or you can join that  90 days dry fasting happening at your church. Who knows, you may even win the fight against your village people.

    If You Want to Survive the 100 days of January, Just Follow These 10 Steps

    2. Cancel every Netflix ‘n’ Chill 

    You want to bam ba? You want to chill with the big boys? Lol. I honestly can’t help you. See you on day 100 of January.

    If You Want to Survive the 100 days of January, Just Follow These 10 Steps

    3. Delete any title of boss/iyawo oga

    Before they say chairman or boss, just start rolling on the floor. You are not anybody’s boss in Jesus name. You can even hang a SAPA placard on your back.

    If You Want to Survive the 100 days of January, Just Follow These 10 Steps

    4. Block all your friends and stay at home

    This is the time to avoid any catch me outside talk. Omarion is kuku there now, so just stay in your house. Anybody that didn’t see you in December should rest.

    If You Want to Survive the 100 days of January, Just Follow These 10 Steps

    5. Go back to your parents’ house

    What’s that saying again? There’s no place like home abi? Forget about being a bad bitch or tech bro, better bend down and wash the plates in the sink so you can see free food.

    If You Want to Survive the 100 days of January, Just Follow These 10 Steps

    6. Travel with your sugar mummy/daddy

    Two heads are better than one. Better answer that DM and head to Dubai to shake what your momma gave you on a yacht. At your own risk sha, because anything you see, just take it like that.

    If You Want to Survive the 100 days of January, Just Follow These 10 Steps

    7. Dump your partner

    Just tell them it’s you,not them. They won’t even question whether it was about SAPA since Valentine’s Day is still far away. You’re welcome.

    If You Want to Survive the 100 days of January, Just Follow These 10 Steps

    8. Sell everything you own

    Vanity upon vanity is vanity. That human hair and PS5 you’re looking at right now is three months of food. You better post it for the highest bidder and focus on surviving.

    If You Want to Survive the 100 days of January, Just Follow These 10 Steps

    9. Host your own heist

    What’s a little La Casa de Papel? all the money the government has been borrowing technically belongs to you. 

    If You Want to Survive the 100 days of January, Just Follow These 10 Steps

    10. Sleep

    If all else fails, sleep. Is it in your dream somebody will be asking you,  “Savings or current?”.

    If You Want to Survive the 100 days of January, Just Follow These 10 Steps

    Ortega

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  • QUIZ: If You Score 10/15 On This December Quiz, You’ll Be Extremely Broke In January

    How will your December be? fun or calm? pick a few answers and we’ll predict how your December decisions will financially affect you in January:

    Select all the Detty December options that apply to you:

    Hassan Yahaya

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  • 5 Interesting Ways To Handle Rejection From The LOYL

    We’ve all been there. That moment when you show interest in someone and they either say “No thanks. God bless” or “I’m on a journey of self-discovery”. Those moments feel like a stab to the heart. To my brothers going through the struggle, we see you. Here are 5 ways to handle rejection in 2021. 

    Become a rapper and drop a diss track (or album) 

    All your favorite rappers have that one song written to remind their secondary school girlfriends that they’re successful now, while the girl is out there probably married to a loser. Does it matter that LOYL has happily moved on with a successful tech bro? No! Does it matter that you can’t rap for shit? No! The only thing that matters here is how you feel. So  book that studio session today. Watimagbo!

    Fake enjoyment on social media

    The best way to get back at someone who rejected you is to show them that you don’t care. As a matter of fact, show them you’re living your best life. Whether that life is real or not doesn’t matter. So, borrow one of your female friends and do “My view, her view.” Crash a neighbor’s game night and post pictures from it on your IG stories. Download holiday videos from TikTok, and pass them off as yours (Nobody’s going to know) And as the cherry on top of this sundae of lies, spend all your savings on a new car. There’s no way she won’t be jealous after all this.

    Sew a thread on Twitter

    If you’re not a writer with a good sense of humor, this might flop harder than the Nneka the Pretty Serpent remake. We advise you to hire a good writer to make a long ass thread about how people don’t understand your potential in life. Bonus points if you cite a couple of brothers who went from grass to grace, like Olamide and Jay-Jay Okocha. You will look pathetic, but it’s all part of the process.

    Work hard so you can buy her father’s house

    What better way to get revenge on the person that broke your heart than buying their family home? It’s time for you to  develop the next FinTech app and make enough money to become her father’s landlord. She’ll probably look back at the time she rejected you and scream “Had I known!”

    Just Cry

    Now that you have failed at all the other things on this list, it’s time to play Enya and just have a good, ugly cry. We get it. Life is hard. But stay strong, bro. One day, someone will accept your offer of love.

    Conrad Johnson-Omodiagbe

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  • 5 Ways To Prevent Your Enemies From Knowing You Are Broke

    Worried that your enemies will turn you into a laughing stock because of how broke you are? Do these 5 things and no one will ever guess that it’s 2,000 Naira you have left in your bank account.

    1. Rub groundnut oil on your face

    Groundnut oil will make you glow. Even if hunger is showing you pepper, you must not let it reflect on your face. That’s the fastest way enemies will know you are broke.

    2. Wear clothes with money related inscriptions

    “I am a millionaire” or “30 BG” will do the trick.

    3. Always play loud music in your house

    That way, if your enemies live nearby, they won’t hear you breaking a coconut to drink garri.

    4. Decorate your house with empty packaging boxes

    Make sure it’s packaging from top brands. At least, if your enemies disguise themselves as friends and pay you a visit, they’ll know that you’re not their mate. It’s a condition that made crayfish bend.

    5. Reactive your old MTN SIM card

    When you reactivate your old MTN SIM card, you get a whopping 12x amount on recharges above N50! You can use it to call for hours and let people think you’re so rich that airtime is the least of your problems.

    Susan Nwaobiala

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  • The Sapa Chronicles: 5 Feelings That Hit You In A Sapandemic

    When it’s past the middle of the month and you can’t wait to receive your salary, there are about 5 stages you will pass through. May your enemies not see you in number 5 because it will choke.

    1. Optimism

    This is when the sapa hasn’t held your throat yet. Shebi they said tough times never last.

    2. Sadness

    Who did you offend? As if you’re not broke enough, body cream and bath soap will just finish. Just wipe your tears ehn, don’t let your enemies rejoice.

    3. Worry

    Bills will just keep appearing from all corners. Worse thing about it is they do not listen to “wait till month end”. Egbami.

    4. Caution

    At this point, you stop worrying about cashflow and think of how to save some coins. Thankfully, with the Dominos Pizza online Buy One Get One Free deal, you get to do just that. Order here before the deal expires.

    5. Frustration

    At this stage, only credit alert can save you, because responsibilities choke.

    Susan Nwaobiala

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  • 8 Types Of People When Serious ‘Sapa’ Mode Hits Them

    There is, I have-just-100k-in-my-account broke, and then there’s the full-blown Sapadenmic situation. For the latter, you’re bound to find these 8 types of people.

    1. The motivational speakers

    Set awon “tough times never last but tough people do.” It doesn’t hurt to be optimistic in a Sapadenmic sha.

    2. The sad ones

    These ones can just burst into tears while washing the plate they used to drink Garri. If you see them, just press urgent 2k into their hands.

    3. The angry ones

    Their body peppers them once there’s no money. In fact, everybody should getat. *bangs door*

    4. The budgeter

    These ones can write lists and scale of preference for Africa before getting the money, but end up spending impulsively. Within three hours, fiam! they’ve blown 200k. Coconut head.

    5. The extra nice ones

    Motto: you never know who’s your destiny helper. Let that money enter their hand first, you will see shege.

    6. The singers

    It’s only when these people are broke that they remember their worship playlist. Google, play “Then Sings My Soul“, maybe money will fall from Heaven.

    7. The Ultimate Searchers

    They search every nook and cranny of the house, clothe pockets, bags and even wastebin for money they did not keep a.k.a miracle money. Guilder Ultimate Search no do pass this one.

    8. The nonchalant ones

    To them, problem no dey finish, so why not use the last 1k to eat away your sorrow?

    Susan Nwaobiala

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