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Showing posts from February, 2020

Should a Young Couple give Marriage Counseling In Nigeria?

Some weeks back, I saw a young Nigerian couple drop a helpful marriage tip and their WhatsApp number for counseling. When I say a young couple, I don't mean five years in marriage couple. I am talking about a few months old husband and wife. Hence, I ask this question, Should a Young Couple give Marriage counseling? I am very okay with young couples giving advice to singles. I love to hear their success story relationship-wise. When they give tips on what should be done when finding the right person, it makes a lot of sense to me, because they have been there. Then I wonder what exactly are they going to be telling other couples? Are they going to counsel those they are a few months older than in marriage? or who? I believe the best marriage counseling comes from years of experience. From couples who have experienced it all. Starting from pregnancy, childbirth, parenting, conflicts management with in-laws, financial ups and downs and all the troubles which come

The Importance of Sex Education in a Nigerian Home

Some months back, In my local youth fellowship, had our Reverend speak to us. He wasn't given a topic so, he picked a topic of his choice. The topic he chose was sexual morality, a very familiar and common topic I would say. However, his approach to this topic wasn't familiar or common and it will be the bases of this topic. His approach was on sex education in Nigeria and how Nigerian parents should go about it. How Sex Education was like when we were children Don't let a boy touch you, let no man see your panties, if any man should climb on top of you you will get pregnant, or when a boy's urine touches your urine you would become pregnant. And the funny ways of telling us about sex goes on. The thing is at that time it wasn't funny, we took it seriously among ourselves and talked about it. As a matter of fact, we gave solutions to the problem. For instance, in primary school, in the girl's toilet, we were talking about if a boy's pee should

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Saving Money in Nigeria: Reasons You Need a Saving App

Saving money is a little bit different in Nigeria because of many money factors. I mean the concept of saving money is the same you keep some percentage of your income aside every month to save for rainy days or to have emergency funds. however, to save money effectively as a Nigerian you have to save money the Nigerian way. one thing is for sure saving money is a piece of advice we hear all the time and trust me it is the best personal finance advice you can ever receive. but the truth is saving money is not that easy I mean let's tell ourselves the truth. Especially if you are on a low income and the fact is the majority of the people who want to save money because they understand its importance are low-income earners. whether we like it or not this is a money factor that makes saving money difficult and different in Nigeria.  However, the good news is this, if you want to save money you can save money whether your income is low or you have an inconsistent income you can still sa

Financial Literacy Concepts and Terms not Popular in Nigeria

  Photo credit Unsplash With the increase in the number of individuals wanting to be more money conscious and financially savvy. It is not surprising that Financial literacy is becoming a sought after knowledge in Nigeria. Everyone wants to understand what money management is all about and how it can help them grow their wealth. For a fact, financial education is the key to wealth and every Nigerian that I know would want to learn anything that will bring them more money. So today we will be looking at some financial literacy terms everyone should be familiar with and financial literacy concepts we can practice. Financial Literacy Terms Known In Nigeria Financial terms are not different in Nigeria compared to the rest world. These terms mean the same thing any day, any time and anywhere. So let’s know them and include them in our vocabulary.  Asset  An asset is any resource that holds value. It keeps appreciating and rarely depreciate as time goes on. In other words, assets contain a v

How To Do A "No Spend Challenge" in Nigeria

Are there no days you wake up and wish you didn’t have to spend money? Just because you wish you could save more money and stop overspending. Or your reason could be that you are tight on cash at the moment and not having to spend will take off the financial stress for a little bit. Whatever your reasons might be for not wanting to spend money. You are on the right page because there is a solution to your problem and it comes in form of a challenge. The no-spend challenge is here to rescue you.  What is a no-spend challenge? A no-spend challenge is a personal finance activity where you don\t spend money within a period of time as the name implies. The idea behind this challenge is to be able to cut down expenses in other to manage your money better and be able to save money for whatever purpose. The concept is to go for weeks or a month without spending money either on certain things or just completely no spending money. There are conditions behind this challenge that you will get to u