• In 2024, the New York Times reported that Nigeria was experiencing its worst economic crisis, and even though the government tried to downplay the credibility of the report by claiming that it was all “gloom and doom,” the deteriorating quality of life of the average Nigerian says otherwise. 

    In this story, Amaka*, 27, shares how her life has taken a drastic turn for the worse since President Tinubu took office and how her hatred for the ruling All Progressives Congress (APC) is fueled by the needless death of her mother.

    This is Amaka’s story as told to Margaret 

    My life has changed in the worst way possible since Tinubu became president. I went from having some essential luxuries to having nothing at all. It got even worse after I went for my NYSC. I’ve been speaking against the ruling party since 2014, and some people still think I’m joking.  APC has taken so much from me. I was 16 in 2014, when Buhari came into power, but even then, young as I was, I knew something was off with him. After he became President, I started picking up more interest in politics and current affairs because I wanted to know just how bad things would get. 


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    My parents told me how terrible he was during his time as Nigeria’s head of state. They narrated how he made old people queue for bread, so I was confused when everybody else fell for his tall promises about making ₦1 equal to $1. I was crying when he became president. I just knew that Nigeria was setting itself up for failure.

    Three years later, in 2017, I gained admission into the university and thought I would graduate by 2021. That didn’t age well because, in March 2020, ASUU decided to go on an academic strike for almost a year. It was at that time that my hatred for APC doubled.

    Shortly after the strike began, COVID-19 set in and forced us all to stay at home. But when things got better and other students returned to school, those of us in Federal Universities still had to wait because the strike was still ongoing. I stayed in school for two extra years because of bad governance. 

    But 2023 was the year that changed everything for me. My mom fell sick and eventually died because of a government-owned hospital’s inadequacies. She was at the government hospital because that was what my dad could afford. The treatment was subpar, but private hospitals were too expensive for us, so it was never a matter of choice. She eventually died, and my hatred for APC increased. There are basic things that the government owes us, and primary healthcare is one of them.

    Shortly after my mum died, I left Lagos to start my National Youth Service Corps (NYSC), and that was when I saw how deep Nigeria’s poverty ran. The sad part is that poverty is institutionalized and designed to make the poor get poorer while the rich get richer. When I was in NYSC camp, I often talked about politics. I was the Orientation Broadcasting Service (OBS) president, so I had the right platform for it. I discussed it so much that other corpers started telling me to tone it down, but I didn’t stop. My goal was to get young people to hate APC as much as I did.  Despite the initial kickback, I continued pointing out to corpers that all government officials are public staff who are being bankrolled by taxes from Nigerians. Even during CDS, I used to preach to them, telling them the need to take politics seriously and hate APC because the party is after our future. Unfortunately, some corpers started displaying tribalism and kicking against my opinion, which I still can’t understand because no tribe gets more electricity than the other, and neither do they get special discounts at the market. 

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    I am currently jobless, not because I want to be, but because I had to quit my former job, as the salary could no longer cover my monthly expenses. I was earning ₦180,000 and spending ₦110,000 on transportation alone. In addition to getting stuck in traffic every day, I saw no progress in my life—  It just felt like I was wasting away.

    I recently withdrew money at the ATM outside of the bank I use,  and when the debit alert dropped, I saw I had been charged ₦100 for withdrawing ₦20,000. That ruined my day completely. It might seem minor to some people, but not to me. Buhari should never have been president, and neither should Tinubu. My hate for these bad leaders goes beyond just them. I hate their children, too, and we should all hate them. I spent two extra years at the university, but their children are in Oxford. We shouldn’t be laughing with them.

    Right now, I have no APC supporter in my life, I’ve cut all of them off. They know me well enough not to say hi to me. I will be turning 28 soon, yet  I can’t account for my achievements. I deserve more than that and anybody who disagrees that we are victims of bad governance is my enemy. 

    I’m looking forward to 2027 because we’ll finally get another chance to make better choices. I don’t want APC in power anymore. I know that there are politicians who belong to different parties who are also capable of continuing the evil cycle. But I won’t be voting if Nigerians don’t come together to fight APC together. Not because my vote won’t count but because I don’t want to feel a repeat of what happened in 2023. 

    I am one of the Nigerians who believe that our votes still matter. Even government officials know that they need humans to manipulate votes. Why else will they be paying people to vote for them? They cannot rig without votes. So imagine if we all come out to vote out Tinubu. 

    I can’t even boast of 8 hours of electricity anymore. My dad and I spend more than ₦8,000 buying fuel every day. Even if electricity is the only thing a good president can give me, I’ll take it.


    ALSO READ: Is the Nigerian Senate Trying to Silence Natasha Akpoti? 

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  • Travelling doesn’t have to be expensive or complicated, even with a Nigerian passport. There are several visa-free destinations where you can explore breathtaking landscapes, diverse cultures, and exciting experiences without the hassle of applying for a visa. From bustling West African cities to serene island getaways, here’s a list of affordable visa-free travel destinations you can visit without breaking the bank. 

    1. Ghana

    Ghana is one of the cheapest visa-free destinations for Nigerians. With round-trip flights as low as ₦477k from Lagos to Ghana and no visa hassles, you can explore stunning beaches, beautiful cities, and wildlife-packed nature reserves without breaking the bank.

    2. Benin Republic

    With round-trip flights from Lagos to Cotonou, Benin Republic, starting at ₦774k and a 90-day visa-free stay,  you can soak in its lively markets, relax on palm-lined beaches, and enjoy the laid-back atmosphere without spending a fortune.

    3. Togo

      Togo is an affordable and stress-free getaway for Nigerians. With a visa-free stay of up to 7 days and round-trip flights from Lagos to Lomé costing around ₦932k, you can explore Lome, enjoy the scenic Coco beach, spot the local wildlife, and hike in Kpalimé without overspending.

      4. Rwanda

        Rwanda is a must-visit for Nigerians seeking an affordable East African experience. Rwanda is 30-day visa-free for Nigerians, and flights from Lagos to Kigali start from ₦896k with stopovers. From breathtaking mountain views to gorilla trekking to the serene beauty of Lake Kivu and Kigali’s buzzing café culture, Rwanda offers an adventure-packed trip without breaking the bank.

        • Visa Policy: Visa-Free (30 Days).
        • Flight Costs:

        5. Ivory Coast (Abidjan)

        Nigerians can enjoy a 90-day visa-free stay in Ivory Coast. Round-trip flights from Lagos to Abidjan start from ₦1.2 million, making it an exciting and budget-friendly destination. Abidjan’s blend of modern and traditional ambience, rich cultural heritage, Ivorian cuisine and stunning beaches ensure it’s a perfect spot for an affordable West African escape.

        • By Road from Lagos:115,000 (One-way trip).

        6. Liberia

        Liberia offers Nigerians an unlimited visa-free stay, making it one of the easiest countries to visit. With flights from Abuja to Monrovia, Liberia, starting at ₦1.3 million for a round trip, you can explore its stunning coastline, bustling Monrovia streets, and rich cultural heritage. Liberia is a vacation paradise.

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        7. The Gambia

        The Gambia, a hidden gem in West Africa, welcomes Nigerians with a 90-day visa-free stay and flights starting at ₦1.4 million from Lagos to Banjul, Gambia. Known for its beautiful sunset and beaches, lively nightlife, rich wildlife, and laid-back ambience, this small West African country is perfect for a budget-friendly tropical escape. It’s a perfect place to immerse yourself in different cultures and have some fun.

        8. Seychelles

          Seychelles is visa-free for Nigerians for up to 90 days, but you must register for a Travel Authorization before your trip. With flights starting at ₦1.5 million from Lagos to Seychelles, you can experience the perfect blend of luxury and adventure, relax in world-class resorts and villas, explore wildlife and nature reserves, savour exotic creole cuisine, take a dip in crystal clear waters, soak up the sun, and stroll along some of the world’s most breath-taking beaches, all without worrying about a visa.

          9. Cameroon

            Cameroon offers Nigerians a 90-day visa-free stay, and flights from Lagos start at about ₦1.5 million. Whether you’re looking for stunning beaches in Limbe, lively nightlife in Douala, or the breathtaking landscapes of Mount Cameroon, this Central African gem is an affordable adventure.

            10. Senegal

              Senegal is a great visa-free destination for Nigerians looking to explore West Africa for up to 90 days. With flights from Lagos to Dakar starting from ₦1.5 million, you can experience the historic Gorée Island and Bandia reserve. You also get to explore Senegalese cuisine, stunning beaches, and the famous mbalax music while immersing yourself in the country’s rich blend of Wolof and French culture, all without visa worries.

              11. Cape Verde

                With a 90-day visa-free stay and flights from Lagos starting from ₦1.6 million, Cape Verde is an affordable island paradise for Nigerians. Whether you’re searching for some January sunshine, hiking,  beach lounging, or exploring its charming towns, this Atlantic gem offers a unique mix of relaxation and adventure.

                12. Mauritius

                  Mauritius offers Nigerians a visa-free stay for up to 14 days, with flights from Lagos starting at ₦1.8 million. This island nation is perfect for an affordable luxury getaway, featuring turquoise beaches, breathtaking waterfalls, and a vibrant food scene.

                  13. Barbados

                    Nigerians can stay in Barbados without a visa for up to 180 days, making it one of the best long-stay destinations on this list. With round-trip flights from Lagos to Barbados, starting at ₦2.2 million, you can explore its white sandy beaches, rich history, and lively Caribbean culture for an unforgettable tropical escape.

                    Bottom Line

                    Whether you’re looking for a quick weekend escape or an end-of-the-year retreat, these visa-free destinations offer exciting and budget-friendly options for Nigerian travellers. With flight costs ranging from affordable to premium, there’s a destination for every budget. 

                    Join 1,000+ Nigerians, finance experts and industry leaders at The Naira Life Conference by Zikoko for a day of real, raw conversations about money and financial freedom. Click here to buy a ticket and secure your spot at the money event of the year, where you’ll get the practical tools to 10x your income, network with the biggest players in your industry, and level up in your career and business.


                    Also Read: I Went on a Safari Trip Without a Tour Guide, and This is What Happened


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                  1. Lagos might be the capital of chaos, but Ibadan is in a league of its own. Some months ago, we asked Lagosians to share the craziest things they’d seen in Lagos, and we got stories that ranged from a man attempting to fling his own poo at road officers to a road rage incident where two drivers took turns smashing each other’s cars.

                    But what about the ancient city of Ibadan? We decided to find out.

                    “I witnessed a stampede in Shoprite”

                    If you thought Lagosians were dramatic, you’ve clearly never seen Ibadan people react to something new. *Deji, 29, was there when Ibadan got its first Shoprite, and he barely made it out alive.

                    “When Ibadan’s first Shoprite opened in 2014, the city took it personally. Imagine the energy of a stadium concert but inside a shopping mall. My uni was in Ikire, Osun State, which was only a ₦150-200 naira bus ride away, so I decided to watch a movie at the cinemas. Big mistake. The crowd at the mall that day was unlike anything I had ever seen. Every corner was packed — old, young, entire families in matching aso-ebi — and the wildest part? Most of them weren’t even shopping. They were just there for the vibes.

                    I figured things would calm down by evening. Another mistake. When I returned, the crowd had somehow doubled. The security guys looked like they were fighting for their lives, desperately trying to manage the chaos. I had to accept my fate and return to school without watching the movie. Ibadan people, abeg, why do you like sightseeing inside malls?”

                    “Someone touched me inside a mini-cab”

                    Think you’ve had your fair share of unhinged bus rides? *Ife, 24, shares how she was harassed during a micra ride in Ibadan and how she had to cut her trip short.

                    “Public transport in Ibadan is already an extreme sport, but the day a stranger touched my lap in a micra (mini-cab) took things to a new level. I screamed, yanked his hand off, and looked at him, expecting him to at least pretend to be sorry. Instead, he just sat there, blinking like he was the victim. Before I could properly react, the other passengers — mostly older men and women — started defending him. “Ignore him, he’s not well. It’s not his fault; he doesn’t know what he’s doing.” Ehn? If they all knew he wasn’t mentally stable, why did they let him into the car? And how did they all know his medical history like this?

                    At that moment, I knew I had to remove myself from the equation. I told the driver to stop, got down, and had to walk the rest of the way.”


                    READ THIS TOO: 13 Images That Perfectly Describe Living In Ibadan


                    “The bus driver wore a peplum blouse”

                    Buses in Ibadan are unpredictable, but Bisi, 27, wasn’t expecting a driver who looked like he had just walked off a wedding reception.

                    “See, there’s being comfortable in your masculinity, and then there’s whatever I saw in an Ibadan mini-van one afternoon. During a bus drive, the driver asked passengers to pass their fares around. That’s when I really looked at him and noticed he was wearing a full-blown peplum blouse. It wasn’t a disguise, it fit him too well to be an accident. The deep voice, bald head, and structured feminine blouse were like watching a crossover episode between Harrysongs and Bobrisky.

                    I looked around to see if anyone else had noticed, and thankfully, I wasn’t alone. One guy finally broke the silence and said, “Oga, nawa o.” That was all it took. Suddenly, the entire bus burst into laughter. Later that week, I saw a video of the same man trending online, and the comments were ruthless. In my head, I was like, “Why always Ibadan?” But lowkey, the banter was premium.”

                    “Mentally unwell men with big penises everywhere”

                    Ibadan has its fair share of mentally unstable people roaming the streets, but *John, 31, couldn’t help but notice an oddly specific pattern, one that has stuck with him since childhood.

                    “The first time I noticed, I was in secondary school. We saw this naked man touching himself in public, and because kids are idiots, my friends and I stayed there cheering like we were at a football match. Someone eventually chased us away, but I had never seen a grown man’s penis before, so it was shocking.

                    But it didn’t end there. As I got older, I started realising that there were so many mentally challenged men walking around with huge penises. I know it sounds crazy, but you literally can’t not notice. It’s like a specific Ibadan phenomenon. The weirdest part? These men are always near major roads or marketplaces, so you can’t even avoid them. I remember one time in Dugbe, a man stood in front of a bus park, completely naked, waving his junk at passersby. Nobody flinched. People just went about their business like it was another Monday. I had to ask myself if I was the mad one for being so shocked.”

                    “A woman brought her goat to the bank”

                    ATM queues in Nigeria are already stressful enough without someone showing up with their livestock. But Rasheed, 27, swears he saw it happen in Ibadan while serving.

                    “It was during the naira scarcity in early 2023, so banks were already war zones. People were fighting for cash everywhere you turned. I was in line outside a bank in Challenge when I noticed an old woman struggling with a rope. I followed the rope with my eyes, and lo and behold, it was attached to a full-grown goat.

                    At first, I thought she was leading it past the bank, but no. She actually joined the queue, holding onto the rope like it was a pet dog. Everyone was staring, but nobody said anything. When she finally got to the entrance, the security guard asked why she brought a goat to the bank, and the mama said she couldn’t leave the goat alone at home. They had to help her tie it outside while she went inside to sort her business. The entire thing was mad funny to me, but of course, I didn’t laugh. What if the goat was her disguising human companion or something? God, abeg.”

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                    “I was pushed out of a moving car”

                    There are bad transport experiences, and then there’s entering a one-chance cab in Ibadan. *Debola, 27, thought she was just getting a regular ride back to the bus park until the driver and his crew decided to bring her into their scam.

                    “I was at UI for something, and on my way back, I boarded a Micra (because what else do you enter in Ibadan?). I was listening to music, half aware that the other passengers were having a conversation. Then, out of nowhere, someone tapped me and said, ‘Aunty, please, what do you think of this matter?’ Before I could even process what was happening, the driver launched into this too-detailed story about how a passenger had forgotten dollars in his boot. The ‘passengers’ (obviously his accomplices) were debating whether to report it to the police or split the money.

                    The moment I heard ‘forgotten dollars,’ my body reset. I remembered all the TikToks and Twitter threads I’d seen about one-chance scams and knew exactly what was happening. I told them I wanted to get down, but they kept trying to convince me to follow them so we could ‘share’ the money. That’s when I started screaming. Omo, these people pushed me out of the moving car. I hit the ground, rolled, and scrambled to my feet while they sped off. I was shaken, bruised, and in shock. I still don’t know how I didn’t break a bone that day. That happened in 2022, and I haven’t returned to Ibadan since. Crazy city for real.”

                    “I saw an amala seller washing pots with a jazzed-up broom”

                    Ibadan is the amala capital of Nigeria, but *Ben, 30, learned the hard way that not all buka experiences are created equal.

                    “I used to be one of those people who believed Ibadan amala was the best thing to ever happen to mankind until I saw things. One time, I went to this buka that was always packed, the kind where you have to hustle to wash your own plate before you get served. I was at the back of the shed, near the cooking area, when I saw the amala seller washing her pots with a broom. At first, I assumed it was the same type of broom they use to mash ewedu, but something wasn’t right. The broom had whitish beads around it, and it didn’t look normal. Omo, I dropped my plate and left immediately.

                    I’ve always heard stories about food sellers using ‘extra means’ to keep customers coming back, but seeing it happen so openly was wild AF to me. Since that day, I’ve been side-eyeing all the Ibadan amala PR. Y’all can keep it.”


                    READ THIS NEXT: 17 Things You’ll Relate to if You Grew Up in Ibadan

                  2. We talk about men spoiling women with money, but what about the women who’ve quietly bankrolled their partners out of love, guilt, obligation, or hope for a better future together, and often without payback? 

                    From covering rent to funding entire lifestyles, these Nigerian women share their experiences financially supporting their partners until they couldn’t anymore.

                    “We made a promise: whoever “made it” first would lift the other. I got my big break, and he became a liability.”— *Aaliyah, 23, Machine Learning Engineer, $900/month. 

                    I met *Idris, 27, on TikTok in August 2022. He’d been aggressively liking and commenting on my posts, and then he slid into my DMs. He was Fulani and had this intellectual aesthetic: writer, software engineer, well-read, and speaking like he knew everything. I was captivated. In hindsight, it was probably sapiosexual bait.

                    We talked for three months before I finally agreed to meet. I suggested we see “The Woman King” at a cinema in town. At the counter, he joked that I should pay since I invited him. The man I was just meeting literally took a step back. I was shocked beyond measure, but I paid anyway. This should have been my first warning.

                    This would become our pattern for the next two years. He’d often cover dates, then find ways to collect the money back, asking me to buy something or cover his transport. The balance always tilted in his favour.

                    We started dating in October 2022. He was 24, and I was 20, fresh out of university with my computer science degree. I juggled a ₦50k/month data analyst job while chasing my machine learning engineering (ML) dreams. A few months later, I landed a 3-month ML contract that paid ₦200k/month. That’s when I met Idris.

                    Before him, I believed that men should foot the bills. My father raised me with the Islamic principle that men are the providers. However, I’m a giver when I love, but there’s a difference between giving out of love and out of obligation.

                    Idris was never transparent about his income. A few months into the relationship, he told me that his main client had stopped giving him front-end development gigs, and he desperately needed a quick fix. I stepped up because I couldn’t stand hearing him complain. Even when my contract gig ended and I was back to ₦50k/month with occasional gigs, I still shared what I had with him. Then, we made a promise: whoever “made it” first would help the other.

                    Fast-forward to May 2023, I got my big break: a remote ML engineer position at a U.S. company with a $900/month offer. Idris, on the other hand, still had no job and no savings. In the first month at my new job, he nagged about rent. I hadn’t been paid yet, but I had a ₦600k side gig and had been paid ₦250k upfront — he knew about it. Since his birthday was coming up three months later, I planned to gift him ₦150k towards his rent on his birthday. But he kept pressing, so I gave it early, leaving me with just ₦100k till month-end.

                    From then on, every month, he’d nag about something he needed until my payday, and I’d always end up giving him the money. This was separate from the regular borrowing. I felt obligated and guilty, so I continued giving in, even though I was uncomfortable with him leeching off me.

                    He was practically dragging “princess” with me in the relationship

                    Whenever I showed him entry-level job opportunities, he dismissed them as beneath him despite having no substantial experience, just scattered gigs and an empty CV. Frustrated, I got access to his LinkedIn and cold-emailed recruiters. He did a few interviews and landed a ₦175k/month job.

                    Relief,  finally. Or, so I thought. 

                    He borrowed $200 for forex trading and lost everything. He also bought a TV, fridge, and furniture on credit from friends who were relocating and mysteriously acquired an inverter while still owing everyone.

                    Then, on his ₦175k salary, he proposed marriage. I knew I couldn’t marry a man who’d be a liability. Yet, he yapped about wanting a big wedding.

                    I was unhappy but hesitant to leave. In my previous relationships, I’d walk away at the first mistake. I was trying to unlearn this, to extend grace. By Ramadan 2024, my prayer point was that Allah should either change him, make him a better person or remove him from my life.

                    Beyond the money issue, he’d body-shame my lean frame, saying he preferred thick girls. His comments made me self-aware and feel terrible about my body. 

                    A few months into 2024, he stopped showing affection, and the relationship felt like he was breadcrumbing me. He’d still call to borrow ₦50k here, ₦100k for a friend’s wedding or even if I could loan his friend some money. When I stopped giving, he grew distant.

                    He called less frequently, was always “busy,” and treated me carelessly. Despite knowing he wasn’t good for me, I stubbornly wanted things to work.

                    On Workers’ Day in May 2024, I visited him. While he showered, something prompted me to check his phone, and I was devastated. There was another girlfriend.  

                    Everything he had done before felt forgivable, but cheating was something I couldn’t tolerate. That was the final straw, and oddly, I felt relieved. I finally had a valid reason to leave.

                    I confronted him, but he brushed me off, saying I had “started again.” He didn’t know I had seen proof. I told him if I walked out, we were done. He barely reacted and left me in his house. This couldn’t be the same boy I’d fallen for. The disconnect was jarring.  

                    I waited for him to return because I didn’t want to leave his house unlocked. He refused to address the situation when he returned, so I left. He kept calling afterwards, but I didn’t pick up.

                    When I called, sobbing, he just said, “You wouldn’t understand.” “There’s a reason we’re not meant to be. It’s not in my power.” But he never explained the actual reason, just vague excuses. 

                    He kept texting to apologise, saying he made a mistake and couldn’t let me go. But at that point, I was just grateful to be free of the burden.

                    Later, I found out through his LinkedIn account that he’d been earning ₦275k, not ₦175k. By then, he owed me ₦600k in total, but he kept insisting we get back together. Knowing he couldn’t afford to, I told him I’d forgive him if he repaid ₦500k. I had hoped he’d just let me be, but he borrowed money to pay me back.

                    The moment he did, I blocked him everywhere.

                    He kept emailing and even sent people to me. But I was done. He wasn’t just toxic and financially irresponsible. He was a selfish narcissist. As long as he was happy, he didn’t care that he made other people uncomfortable.

                    It’s good riddance.

                    I will never let whatever happened change who I am. That’d mean he had power over me. I refuse to let that happen. I’m still a giver at heart, and I always will be.

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                    “Moving on wasn’t hard. I focused on his bad sides and enjoyed spending my money on myself —*Peace, 20, Fantasy & Romance Novel Writer, $500/ Month

                    I was 18 when I dated my first boyfriend. At the time, I thought money in relationships was a 50/50 thing. If my partner spent on me, I’d spend on him too. Simple.

                    I was a 300-level student living on my parents’ ₦20k weekly allowance.

                    We dated for eight months, but he never tried to pay for things from the jump. Whenever we ate out, we split the bill.

                    Two months into the relationship, he asked for money, saying he had some issues at home and his parents couldn’t send him any. I bought him food and transferred ₦3k to his account. That was how it started. It became a habit. First, he’d ask for urgent ₦2k, then ₦5k, then ₦8k. For a student, those amounts were a lot.

                    During our summer break, he got a tech internship that paid him ₦100k. Still, he never paid ₦500 out of the money he owed. 

                    I started feeling uncomfortable at some point, but I was in love and hated seeing him sad, so I kept giving him money. He’d withdraw and act distant if I told him I couldn’t help.

                    The highest amount I gave him was ₦25k. He claimed he had mistakenly spent his dad’s money and needed to replace it before his father noticed. I was annoyed, but love clouded my judgment, so I sent him the money.

                    Looking back, I realise he wasn’t all that. Sure, he was book-smart, tech-savvy, and handsome, but beyond that, there was nothing special. He wasn’t attentive or caring. He always had something rude to say and was manipulative. Even if money hadn’t been an issue, I would have still left.

                    Moving on wasn’t hard. I focused on his bad sides and enjoyed spending my money on myself. He owed me  ₦70k in total. Once, I asked him to pay me back, and he said he would, but then he just stopped talking to me. I thought his conscience would make him return the money, but omo, Shishi, I didn’t see.

                    Now that I’m out of university and earning $500 a month, I’m not ready to date yet. When I do, I won’t disclose my full earnings. If I ever lend money, best believe it’ll be to a partner I can hold accountable. 

                    “He collected my ATM card and spent all my hard-earned money, so I quit my job.” —*Charity, 33, Kitchen Steward, ₦85k/ Month

                    My partner is a Man O’ War paramilitary officer with no fixed salary—just occasional stipends and whatever he can scrape from small security and escort gigs.

                    On a good month, he barely made ₦30k, nowhere near enough to support a family, let alone kids from two other women. We were never traditionally married. My family didn’t approve of him. And honestly, they were right.

                    We met in 2019. I’d moved to work as a catering assistant, and he was my neighbour in Ikorodu, where I lived. He had constant fights with one of his other women, mostly about money. She’d come demanding support for their child, and their arguments would escalate until he got angry enough to raise his hand. I’d be the one calming him down, reasoning with him, and thinking I could fix things.

                    One thing led to another, and I got pregnant. He swore ours was different and that I was special. We moved in together. Three kids later, he still hadn’t paid my dowry or followed through on our agreement for a proper wedding.

                    At the time, I convinced myself I was lucky. He was a fine man, and I didn’t think I could do better. So when he chose me, I held on.

                    But love doesn’t pay bills. My catering jobs were inconsistent, barely bringing in ₦30k/month. In 2023, I got a job as a home economics teacher, earning ₦50k/month. I still took catering gigs to make ends meet.

                    Then he stopped contributing to the home altogether: no food, no school fees. Worse, he’d come home drunk and beat the children mercilessly.

                    I needed more money to cater for my children, so I took a steward job with a family in Magodo through an agent, and they paid ₦85k. It should have helped, but my husband collected my ATM card. Since my job kept me away for three weeks each month, I’d come home to find my account empty. If my boss delayed payment, he’d show up in front of my workplace, demanding money, and I’d hand over whatever cash I had.

                    Three months in, I realised I was working for nothing, so I quit. My children were malnourished, and when they asked him for food, he’d beat them. 

                    Now, he fights me every morning. I haven’t found another job since, and things are hard. I still take catering gigs when I can, but it’s not enough. More than anything, I just want my children to be okay.

                    I want to leave. I just don’t know where to go.

                    Join 1,000+ Nigerians, finance experts and industry leaders at The Naira Life Conference by Zikoko for a day of real, raw conversations about money and financial freedom. Click here to buy a ticket and secure your spot at the money event of the year, where you’ll get the practical tools to 10x your income, network with the biggest players in your industry, and level up in your career and business.


                    Also Read: The Real Cost of Clear Skin for Women in Nigeria


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                  3. Fawaz didn’t plan to become a site engineer. At 16, fresh out of secondary school, he took a holiday job in construction to make some money. That one holiday changed everything.

                    Seven years later, after completing his civil engineering diploma at Yaba College of Technology (YabaTech) and spending every break working in construction, he now supervises full-scale projects in Lagos. In 2024, he worked on a ₦200 million one-storey residential building in Surulere, Lagos. 

                    From unexpected government fines to skyrocketing material costs, here’s the real cost of bringing a house to life in Lagos, brick by brick.

                    This is Fawaz’s story as told to Aisha Bello:

                    I’m a junior site engineer in Lagos. This means I supervise the construction of buildings, ensuring everything — from the foundation to the finishing — is done right.

                    Last year, I helped build a fully finished one-storey residential building in Soloki St, Surulere. The owner contracted the construction firm I work with to oversee everything. We took care of everything from sourcing materials to final fittings. But as with most projects, things didn’t go exactly as planned.

                    Buying the Land & Paperwork – ₦120.5M

                    The first step in building a house isn’t construction; it’s paperwork. The owner bought a plot of land for ₦120 million. Before any work started, a lawyer was brought in to verify documents like the Certificate of Occupancy (C of O), Deed of Assignment, and Family Receipt to confirm the land wasn’t being used as collateral for a bank loan. The lawyer’s service alone cost ₦500,000.

                    Then, we did a soil test for ₦300,000 to determine the type of foundation the building needed. We drilled deep into the ground, collected soil samples, and tested them in a lab. Based on the results, we went with a raft foundation to prevent future structural issues. 

                    The next step was to get an architect to design the house according to the owner’s vision, which cost ₦700,000. But a design isn’t enough; you also need a structural engineer to ensure the building won’t collapse under its own weight. That’s where the structural drawing came in, which cost ₦300,000.

                    Once all the plans were ready, my boss, the owner of our construction company, took over. We charged ₦10 million to execute the project from start to finish. This fee covered expertise, project management, and the skilled labour we needed to make the architectural drawings a reality.

                    Construction Pricing: Why We Charge Per Stage

                    When people hear the cost of building a house, they assume it’s a fixed number from start to finish.

                    But that’s not how we work. 

                    While the contractor’s fee is paid upfront (in this case, ₦10 million), the actual money spent on materials and labour is determined stage by stage.

                    Construction material prices change almost every day in Nigeria. If we estimated the total cost at the beginning and stuck to it, we’d either run into losses or get stuck midway when the prices of materials shot up. 

                    So at every new stage, we confirm current prices and bill the client accordingly. That way, they’re only paying for materials at the actual market rate when they’re needed.

                    Foundation – ₦10.5M

                    This was one of the most expensive parts of the project. A building’s strength is in its foundation. You can’t afford to cut corners when laying a foundation; one mistake can collapse the entire building.  

                    Here’s how we laid the foundation:

                    Step 1: Excavation and Digging

                    We paid ₦200,000 to dig out the ground for the foundation. This is hard labour: men with shovels and sometimes machines, depending on the land.

                    Step 2: Laying the foundation 

                    Once we finished digging, we started laying the foundation in the dug-out space called the trenches.

                    How we laid the foundation:

                    • Reinforcing the trenches: To strengthen the foundation, we placed 3.5 tons of imported iron rods ( ₦4 million) in the dug trenches. 
                    • Setting up the framework: We used 100 Marine boards (₦2,800,000) to build moulds that held the concrete for the foundation. One marine board went for ₦28,000.
                    • Mixing and pouring concrete: We combined 375 bags of cement (₦2.8 million), two trucks of granite ( ₦1 million) and two trucks of sharp sand (₦600,000) and spread the mix evenly. 
                    • Installing the German floor: To improve stability, we layered another thick slab of concrete floor to reinforce the foundation.
                    • Labour cost: We paid labourers ₦400,000 and ₦250,000 to cast the German floor and lay the foundation.
                    • Total foundation cost: ₦8 million.

                    It took 40 labourers to get this done. 

                    Unexpected Delay – ₦2M Fine

                    We started the project in September 2023 with a completion timeline of 7–9 months. However, three months in, construction was halted because the owner had lied about getting government approval to build a storey building in the area. The Lagos State Building Agency (LASBA) stopped our work, and it took three months to resolve the issue. We ultimately had to pay a ₦2 million penalty before work could resume in January 2024.

                    Superstructure (Walls & Decking) – ₦7.5M+

                    Once the foundation was solid, we started raising the structure. This process is done in stages:

                    1. Columns (Pillars) 

                    Columns are the skeletal framework of the house — the vertical and horizontal supports that hold everything together. We paid: 

                    • Iron bender (20 pillars): ₦100,000.
                    • Carpenter: ₦100,000.
                    • Labour for casting (20 pillars): ₦140,000.

                    Whenever we cast a structure, we need iron for reinforcement, woodwork for formwork, and concrete to hold everything together.

                    Once the structure was in place, we moved to the next big stage.

                    2. Decking: The floor between two storeys

                    If a building has more than one floor, you need a solid concrete slab between them. This is called the decking slab, and it’s a major part of construction costs.

                    First, we had to mould hollow blocks, which are cheaper and reduce the amount of granite and sharp sand needed. This required 200 bags of cement and ₦200,000 paid to workers to mould the blocks.

                    For the actual decking slab, we needed:

                    • 130 bags of cement (₦7,500 per bag).
                    • 2 extra tons of iron rods (₦1.9m per ton).
                    • Workmanship for iron bending and carpentry: ₦250,000 each.

                    3.  Another set of Columns (Pillars) 

                    After the decking, we needed to raise another 20 columns to support the next level. Since fewer materials are needed as you go higher, this stage costs less than the foundation columns.

                    • Iron bender (20 pillars): ₦50,000.
                    • Carpenter: ₦85,000.
                    • Labour for casting (20 pillars): ₦140,000.

                    4. Roof Beam & Logging

                    The roof beam is a reinforced concrete frame that keeps the building stable and distributes the roof’s weight evenly.

                    • We cast the roof beam using leftover concrete from the decking.
                    • Planks and iron rods were used to reinforce the edges.

                    Next, we worked on roof logging, which is the wooden framework that supports the roofing sheets. This involved securing planks before adding a small slab for the water tank.

                    At this stage, the house’s skeleton structure was complete. Now, it was time for the walls.

                    5. Walls 

                    For the walls, we needed about 3,000 blocks.

                    • 9-inch blocks (2,300 pieces @ ₦730 each): ₦1.68M.
                    • 6-inch blocks (700 pieces @ ₦630 each): ₦441,000.
                    • Labour for lifting 3,000 blocks to the first floor: ₦75,000 (₦25 per block).
                    • Labour for laying blocks: ₦280,000.
                    • Extra materials (cement, sharp sand, granite): ₦1.5M.

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                    Roofing – ₦15M

                    Roofing is one of the most expensive aspects of building in Lagos, especially if you’re using the costly but durable aluminium sheets.

                    • Aluminium roofing sheets: ₦8 million.
                    • Woodwork & roofing labour: ₦7 million.

                    Internal Work – ₦63M+

                    Once the structure is complete, we move indoors for the finishing touches. This is where things really add up, and the house starts looking like a home.

                    • Plumbing: ₦12 million (materials) + ₦2 million (workmanship).
                    • Tiling: ₦9 million (materials) + ₦2.5 million (workmanship).
                    • Electrical work: ₦7 million (materials) + ₦2 million (workmanship).
                    • Aluminium work, rails and windows: ₦15.5 million (materials) + ₦3.5 million (workmanship).
                    • Wall plastering: ₦1.4 million (sand) + ₦400,000 (labour) + 400 bags of cement.
                    • Painting & Screeding: ₦5 million (materials) + ₦2 million (workmanship).
                    • POP Ceiling: ₦10,200 per bag of POP cement × 180 bags + ₦450,000 (workmanship).

                    Final Touches – ₦15M+

                    This is the final stretch: fencing, gate, and finishing touches. Neighbouring buildings already provided two walls for the fence, so we only needed to fence the front and back.

                    Fence & gate:

                    i. 150 blocks + 300 bags of cement: ₦2.4 million.

                    ii. Gate cost: ₦1.5 million.

                    Iii. Labour (fencing, gate casting, flooring): ₦350,000.

                    We cleaned the site, installed doors (₦12 million total), handled final electrical fittings, and completed the interior design (₦250,000).

                    After all this, a painter touched up the dents and made the house move-in ready. Finally, we handed over the keys.

                    Total Estimated Cost

                    • Land: ₦120 million.
                    • Construction & Labour: ₦121.14 million.
                    • Total Cost: ₦241.14 million.

                    Lessons from This Project

                    One of the biggest lessons I learned is to double-check approvals to avoid delaying projects and having issues with the Lagos State Building Agency.

                    Today, I’m supervising a shopping mall project in Yaba and another one-storey building in Lawanson, Surulere. My job challenges me to solve problems, lead a team, and bring buildings to life. I enjoy the process so much. 

                    Someday, I hope to own my own construction firm and build homes people will live in for years.

                    Join 1,000+ Nigerians, finance experts and industry leaders at The Naira Life Conference by Zikoko for a day of real, raw conversations about money and financial freedom. Click here to buy a ticket and secure your spot at the money event of the year, where you’ll get the practical tools to 10x your income, network with the biggest players in your industry, and level up in your career and business.


                    Also Read: What It Really Costs to Move Out as a Young Person in Nigeria


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                  4. Nigeria’s stock market has its ups and downs. But if you had put some money in the right stocks in 2022, you might be sitting on millions today. Others? Not so much.

                    So, we looked at how 10 major stocks have performed since 2022. To help you make sense of it, we also spoke to an investment expert for insights. The big question is, are they worth your money now?

                    What does it mean to invest in stocks?

                    Think of it like this: 

                    • Stocks: A stock represents ownership in a company. When you buy a stock, you own a small piece of that company.
                    • Shares: Shares are the individual units of a stock. If a company has 1 million shares and you own 1,000 units, you own 0.1% of the company.

                    The terms “stocks” and “shares” are often used interchangeably.

                    • Equities investing: This is the act of buying shares (or stocks) in a publicly listed company. When a company needs funds, it can raise money by selling shares to the public. Investors who buy these shares become part-owners of the company and share in its profits or losses.

                    How do you make money from stocks?

                    • Dividends: Some Nigerian companies share their profits with shareholders as dividends, usually paid twice a year.
                    • Capital gains (and losses): If a stock’s price increases, you can sell it for a profit. For example, if you bought shares at ₦10 per unit and the price rises to ₦20, you’ve doubled your money. But stocks can also lose value. If the price drops to ₦5 and you sell, you’ve taken a “capital loss.

                    Unlike lower-risk investment options like FGN bonds, money market mutual funds, or savings accounts, stocks are medium-risk—they can rise, fall, or even crash unexpectedly. 

                    10 Nigerian Stocks That’ve Made (Or Wrecked) Investors Since 2022

                    We tracked the performance of 10 major Nigerian stocks in 2022 vs. 2025, using historical data from Investing.com, a platform that monitors global and local financial markets. Over the past three years, Nigeria has faced economic shocks, inflation spikes, naira devaluation, and forex volatility, alongside shifting monetary and government policies. Many leading Nigerian companies have also suffered significant foreign exchange (forex) losses, all of which have shaped stock performance.

                    Here’s how a ₦100,000 investment in these Nigerian stocks would have changed between 2022 and 2025, showing whether the investment grew in value or took a loss. 

                    1. BUA Foods

                    According to historical data from Investing.com, BUA Foods traded at ₦61.40/unit on March 11, 2022. Today, it’s up to ₦376.20/unit, which is a 512.70% increase.

                    If you had invested ₦100k in 2022, you’d have bought 1,628 units of BUA Foods stock. And they’d be worth ₦612,453.60 today. This means a ₦512,453.60 gain in three years.

                    • March 11, 2022: ₦61.40/unit.
                    • March 11, 2025: ₦376.20/unit.
                    • Capital gain on ₦100K: ₦512,453.60.

                    2. Nestlé

                    Nestlé traded at ₦1,435/unit in March 2022. Today, it’s down to ₦1,009/unit, a 29.65% drop.

                    ₦100k would have bought you 69 units of Nestlé stock in 2022. But they’d be worth  ₦69,621 today. This means a ₦30,379 loss over three years.

                    • March 11, 2022: ₦1,435/unit.
                    • March 11, 2025: ₦1,009/unit.
                    • Capital loss on ₦100K: ₦30,379.

                    3. GTCO

                    GTCO stock has more than doubled in three years. In 2022, it traded at ₦22.40/unit. Today, it’s at ₦59.95/unit, a 167.63% increase.

                    Investing ₦100k in 2022 would have gotten you approximately 4,464 units of GTCO’s stocks, which would now be worth ₦267,616.80. That’s a ₦167,616.80 profit. 

                    • March 11, 2022: ₦22.40/unit.
                    • March 11, 2025: ₦59.95/unit.
                    • Capital gain on ₦100K: ₦167,616.80.

                    4. Dangote Cement Plc

                    Dangote Cement has delivered steady growth over the past three years. In March 2022, it traded at ₦273.50/unit. Today, it’s at ₦480/unit: a 75.5% increase.

                    A ₦100K investment in 2022 (≈ 365 units) would now be worth ₦175,200, giving you a  ₦75,200 return. 

                    • March 11, 2022: ₦273.50/unit.
                    • March 11, 2025: ₦480/unit.
                    • Capital gain on ₦100K: ₦75,200.

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                    5. Airtel Africa

                    Airtel Africa’s stock price has grown significantly over three years. In March 2022, it traded at ₦1,260/unit. Today, it’s grown by 71.18% to  ₦2,156.90/unit.

                    If you had invested ₦100K in 2022, you’d have bought 79 units. At today’s price, your investment would be worth ₦170,395.10, giving you a ₦70,395.10 gain.

                    • March 11, 2022: ₦1,260/unit.
                    • March 11, 2025: ₦2,156.90/unit.
                    • Capital gain on ₦100K: ₦70,395.10.

                    6. Seplat Petroleum

                    Seplat petroleum stock has delivered exceptional growth over the past three years. In March 2022, it traded at ₦990/unit. Today, it’s at ₦5,700/unit, a jaw-dropping 475.76% increase.

                    You’d have bought 101 units with ₦100k in 2022. Today, those units would be worth  ₦575,700, giving you a ₦475,700 appreciation. 

                    • March 11, 2022: ₦990/unit.
                    • March 11, 2025: ₦5,700/unit.
                    • Capital gain on ₦100K: ₦475,700.

                    7. Transcorp Hotels

                    In 2022, Transcorp Hotels stocks traded at ₦5.38/unit. By 2025, it had surged to ₦126.10/unit, reflecting a 2,243.84% increase over three years.

                    A ₦100,000 investment in 2022 would have been enough for approximately 18,587 units. Today, those shares would be valued at ₦2,343,820.70, marking a ₦2,243,820.70 increase in value.

                    • March 11, 2022: ₦5.38/unit.
                    • March 11, 2025: ₦126.10/unit.
                    • Capital gain on ₦100K: ₦2,243,820.70.

                    8. MRS (Chevron)

                    Back in 2022, MRS (Chevron) stock traded at ₦12.04/unit. If you had invested ₦100,000, you would have secured 8,305 units. With the stock now at ₦178/unit, your investment would have grown to ₦1,478,290, delivering a ₦1,378,290 profit and a 1,378.40% return.

                    • March 11, 2022: ₦12.04/unit.
                    • March 11, 2025: ₦178/unit.
                    • Capital gain on ₦100K: ₦1,378,290.

                    9. Total Nigeria Plc

                    If you had put ₦100,000 into Total Nigeria stocks in 2022, you would have acquired 377 units at ₦264.90/unit. With the stock now at ₦637/unit, your shares would be valued at  ₦240,149, giving you a ₦140,149 increase and a 140.15% return.

                    • March 11, 2022: ₦264.90/unit.
                    • March 11, 2025: ₦637/unit.
                    • Capital gain on ₦100K: ₦140,149.

                    10. Guinness Nigeria 

                    Guinness Nigeria experienced modest growth over the same period. If you had invested ₦100,000 at ₦65/unit in 2022, you would have bought 1,538 units. At today’s price of ₦79.90/unit, your investment would now be worth ₦122,886.20, giving you a ₦22,886.20 appreciation and a 22.92% return.

                    • March 11, 2022: ₦65/unit.
                    • March 11, 2025: ₦79.90/unit.
                    • Capital gain on ₦100K: ₦22,886.20. 

                    Note: On the Nigerian Exchange (NGX), shares are bought in whole numbers, so these calculations show the maximum number of whole shares ₦100,000 could buy. For example, at ₦1,435 per Nestlé share, you’d get 69 shares (₦99,015), not 69.69 units. Any leftover cash stays uninvested.

                    *Potential dividends were excluded for simplicity and to keep the focus on stock price changes over time.

                    Is It Giving ‘Buy’ or ‘Bye’?

                    With all the market swings, is now the time to invest, or should you sit this one out? 

                    Efe Ogunnaiya, a multi-asset portfolio manager with 25 years of experience analysing financial markets, shares her key stock investment principles to help you make the right call:

                    • There’s always an opportunity in the stock market if you pick wisely:
                      Not every stock is worth buying, but as long as a company is financially strong and well-managed, it can be a good investment. 
                    • If the price drops, buy more:
                      Stock prices fluctuate. if you believe in a stock’s long-term value, don’t panic. Instead, keep buying to lower your overall cost per share.
                    • Diversify; don’t put all your eggs in one basket:
                      Spread your money across different asset classes, industries, and, if possible, countries. A good rule of thumb: never invest more than 25% of your money in a single stock, industry, or company.
                    • Cash is also a strategy:
                      Don’t sleep on cash! Keeping some money in a savings account or low-risk investments like Treasury Bills (T-Bills) or Money Market Funds gives you flexibility.
                    • No time to manage stocks? Hire a fund manager:
                      If stock picking isn’t your thing, you can invest in an equity mutual fund or hire a fund manager (if you’ve got more money to spare). This way, professionals make the decisions for you.

                    Ogunnaiya also highlights that the “Financial services, oil and gas, and telecoms industries appear promising for long-term growth” in the stock market. 

                    At the same time, she warns that investing isn’t without risks, “Make sure you invest only through SEC-licensed entities and only invest in what you understand.”

                    How to Start Investing in Nigerian Stocks

                    You can’t just walk into the Nigerian Stock Exchange (NGX) building on Lagos Island and buy stocks or shares yourself. You need an intermediary — a licensed stockbroker. There are over 200 SEC-registered and NGX-certified stockbroking firms in Nigeria, and you can find a full list on the SEC or the NGX website.

                    To start, you’ll open a stockbroking account with one of these firms. Once your account is set up, you’ll receive login details to their platform, where you can browse available stocks and buy shares in any company you’re interested in.

                    What to Consider Before Investing in Nigerian Stocks

                    Ogunnaiya explains that before investing, you should assess the following: 

                    • Economic State: How is the economy performing? Are there sectors that remain strong regardless of economic conditions?
                    • Industry Outlook: What’s the general state of the industry? Is it growing or struggling?
                    • Dividend History: Does the company have a record of paying dividends? If so, how frequently?
                    • Stock Performance: How has the stock price moved over the past three to five years? Past growth doesn’t guarantee future gains, but it’s a useful indicator.
                    • Company Leadership: If you don’t trust the company’s leadership, you might want to think twice before investing.
                    • Financial Health: Look at the company’s profit history, asset size, and overall financial performance over the past three to five years.

                    You can find data on stock prices, dividend history, and financial performance on platforms like Investing.com or the NGX website.

                    Bottom Line

                    Stocks can be a great way to build wealth, but they come with risks. If you can think long-term and handle market swings, they might be worth it. But if you prefer stability, safer investment options like money market funds or Federal Government of Nigeria bonds (FGN) bonds could be a better choice. The key is knowing your risk tolerance and investing accordingly.

                    Some stocks have soared, others have stumbled, but the Nigerian stock market is still full of opportunities for those who know where to look.

                    Join 1,000+ Nigerians, finance experts and industry leaders at The Naira Life Conference by Zikoko for a day of real, raw conversations about money and financial freedom. Click here to buy a ticket and secure your spot at the money event of the year, where you’ll get the practical tools to 10x your income, network with the biggest players in your industry, and level up in your career and business.


                    Also Read: These 10 Money Market Mutual Funds Are Making Nigerians Rich in 2025


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                  5. Back for more? If you aced Edition 1 of our ‘Nigeria’s Current Affairs’ quiz, it’s time to put your knowledge to the test again. From major political moments to key decisions shaping Nigeria today, this 15-question quiz will challenge how well you really know the country’s political landscape.

                    Think you can beat your last score? Let’s see how well you do!

                    [quiz id=341851]

                  6. Writing is hard, but getting paid for it doesn’t have to be. If you’re a Nigerian writer looking to earn in dollars or pounds, these international literary magazines are a great place to start. They publish diverse voices and fairly compensate writers for poetry, fiction, non-fiction, essays and more. 

                    Here’s a curated list of 10 literary magazines that accept submissions from Nigerian writers and pay in foreign currency. 

                    1. Palette Poetry

                    Palette Poetry pays up to $150 for unpublished poetry. They accept submissions year-round and spotlight fresh voices monthly.

                    • What They Publish: Poetry.
                    • Payment: $50–$150.
                    • Who Can Submit: Poets worldwide, including Nigerians, writing in English.
                    • Guidelines: Only unpublished work; submit up to 5 poems (max 10 pages).
                    • Special Consideration: They actively seek under-represented and marginalised voices.
                    • Submission: All year round.

                    2. The Offing Mag

                    The Offing Mag pays up to $100 for unpublished writing, depending on length and section. Their Back of the Envelope section focused on science and the natural world is currently open for submissions.

                    • What They Publish: Writing (any genre or length) related to science and nature
                    • Payment: $25–$100, based on length and section.
                    • Who Can Submit: Writers worldwide, including Nigerians.
                    • Guidelines: Only original, unpublished work in English.
                    • Submission Window: January-May 1, 2025.

                    3. The Frontier Poetry

                    Frontier Poetry pays $50 per poem for its New Voices category, which is always open and free to submit. Poets from historically marginalized and underrepresented backgrounds are actively encouraged to submit their work.

                    • What They Publish: Poetry.
                    • Payment: $50 per poem. 
                    • Who Can Submit: Poets worldwide, including Nigerians.
                    • Guidelines: Maximum of 5 poems or 10 pages. No AI-generated work is accepted.
                    • Submission Window: Always open.

                    The magazine also runs poetry contests, with one currently open in 2025.

                    • Misfit Poems Prize: $2,000 for first place, $300 for second, and $200 for third, and publication.
                    • Submission Window: Mar 3 – May 4, 2025.

                    4. One Story

                    One Story pays $500 per accepted story and will reopen for submissions in Spring 2025 (March 21).

                    • What They Publish: Literary fiction (3,000–8,000 words).
                    • Payment: $500 + 25 contributor copies.
                    • Who Can Submit: Writers worldwide, including Nigerians.
                    • Guidelines: Only unpublished works are accepted.
                    • Submission Window: Currently closed, reopening March 21, 2025.

                    5. Poetry Foundation

                    Poetry Foundation pays at least $400 per poem and accepts text, visual, and video poetry and prose.

                    • What They Publish: Poetry (text, visual, video) and prose.
                    • Payment: A minimum of $400 per text poem, $400 per visual poem, $600 per video poem and $250 per published prose page.
                    • Who Can Submit: Writers worldwide, including Nigerians.
                    • Guidelines: Only unpublished work is considered.
                    • Submission Window: Open except from June 15 – September 15 annually.

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                    6. Guttermag

                    Gutter Magazine pays £30 per published piece of fiction, poetry, or essays.

                    • What They Publish: Fiction, poetry, and essays.
                    • Payment: £30 per piece, plus a complimentary copy.
                    • Who Can Submit: Writers worldwide, including Nigerians.
                    • Guidelines: Only unpublished work is accepted; no simultaneous submissions are allowed. You may submit up to 3 poems, with a maximum total of 100 lines. For fiction and essays, the limit is 2,500 words (only one submission per issue).
                    • Submission Windows: Twice a year, during Spring (Jan-Mar) and Autumn (Sep-Dec). The current window closes on March 31, 2025.

                    7. Shooterlitmag

                    Shooter publishes themed print issues twice a year and runs poetry and fiction contests throughout the year.

                    • What They Publish: Short fiction, poetry, essays, and memoirs.
                    • Payment: £25 per story, £5 per poem. International contributors can choose between cash payment or magazine copy. 
                    • Who Can Submit: Writers worldwide, including Nigerians.
                    • Submission Windows: Themed print issues twice a year; poetry contests in the first half of the year; fiction contests in the second half; and monthly flash fiction contests.

                    8. The Fiction desk

                    The Fiction Desk runs multiple short story submission calls annually, including a general fiction call, themed calls, and a ghost story call.

                    • What They Publish: Short fiction (1,000–10,000 words).
                    • Payment: £25 per 1,000 words (e.g., £100 for 4,000 words), plus two complimentary copies.
                    • Who Can Submit: Authors worldwide.
                    • Submission Window: The spring short story call is open until May 30, 2025.
                    • Guidelines: No novel excerpts, poetry, non-fiction, illustrated work, or AI-generated writing.
                    • Additional Perks: Contributors are eligible for the Writer’s Award (£100 for the best story in each volume).

                    9. Swamp Pink Literary Journal

                    Swamp Pink Literary Journal (formerly Crazyhorse) publishes bimonthly fiction, poetry, and nonfiction and pays up to $200 per published work.

                    • What They Publish: Short fiction (up to 7,500 words), nonfiction (up to 7,500 words), flash fiction (up to 1,500 words), and poetry (3–6 poems per submission).
                    • Payment: $40 per poem, $0.05 per word for prose and a maximum $200 payout per accepted piece.
                    • Who Can Submit: Writers worldwide, with a focus on underrepresented voices.
                    • Submission Windows: General Submissions for fiction, nonfiction and poetry are accepted from (Sept 1 – Dec 3) & (Feb 1 – May 31, 2025).

                    10. Narrative Magazine

                    Narrative welcomes submissions of original, previously unpublished manuscripts of all lengths and pays up to $1000 per published piece. However, they charge a fee for receiving, reading, and responding to submissions.

                    • What They Publish: Fiction, nonfiction, poetry, novel excerpts, novellas, memoirs, reportage, interviews, and literary biographies.
                    • Payment: $100–$1,000 (varies by format and word count). All submissions with a reading fee from new or emerging writers are eligible for the $5,000 annual Narrative Prize.
                    • Who Can Submit: Writers worldwide, including Nigerians, writing in English.
                    • Guidelines: Accepts original, unpublished manuscripts of all lengths.
                    • Submission Window: Open year-round. 

                    Bottom Line

                    Whether you’re a poet, fiction writer, or essayist, these magazines offer a platform for your voice and a fair paycheck for your craft.

                    Before submitting, read the guidelines carefully. Some publications have restrictions on simultaneous submissions, word counts, or themes. And if your piece gets rejected, don’t be discouraged; keep refining your work and trying again.

                    Join 1,000+ Nigerians, finance experts and industry leaders at The Naira Life Conference by Zikoko for a day of real, raw conversations about money and financial freedom. Click here to buy a ticket and secure your spot at the money event of the year, where you’ll get the practical tools to 10x your income, network with the biggest players in your industry, and level up in your career and business.


                    Also Read: 6 Online Platforms That Pay Nigerians to Train AI


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                  7. Breaking fast during Ramadan isn’t just about food; it’s also about faith, community, and kindness. Hosting Iftar gatherings allows fasting Muslims to come together, support those in need, and earn spiritual rewards through charity.

                    But with food prices soaring, hosting an Iftar gathering has become an expensive act of devotion. 

                    With budgets stretched thin, how much does it really cost to feed a fasting community in today’s Nigeria? We spoke to four young Nigerians who are finding creative ways to make it happen, no matter the cost.  

                    “We’ve raised ₦1.4 million but are still pushing to hit ₦3 million before our March 22 Iftar.”— Muhammed, 20, Student.

                    I’m a fourth-year mechanical engineering student and the chairman of the Sanusi Hostel Muslim Community Committee at the University of Ilorin. Every year, my team and I organise a grand Iftar gathering for fasting students, ensuring they have a proper meal to break their fast and bring smiles to their faces. 

                    As the Qur’an says: “The example of those who spend their wealth in the way of Allah is like a seed of grain that sprouts seven ears, and in every ear there are a hundred grains. Thus Allah multiplies the action of whom He wills.” (Qur’an 2:261)  

                    But hosting Iftar comes at a cost.

                    Last year, we spent ₦950,000 feeding 700 people against a ₦1 million budget. Our caterer charged ₦800 per plate, totalling ₦560,000. We didn’t have to pay for protein because someone generously donated enough meat. Fruits cost ₦200,000, zobo and drinks ₦150,000, and logistics around ₦30,000. We even had ₦100,000 left over for the mosque. 

                    With rising costs and the added expense of buying meat ourselves this year, our budget has jumped to ₦3 million for 800 people. 

                    We started planning in November 2024. We have 30 people on the committee, and each person was responsible for bringing in at least 10 donors. We’ve raised donations from 300 people.  Also, each committee member has been paying monthly dues of ₦1,500 each. In addition, we’ve been running small ₦100 and ₦200 donation challenges, sending out letters to potential donors, and using our social media platforms to spread the word. 

                    We’ve raised ₦1.4 million, but we’re still pushing to meet our target before our Iftar gathering on March 22.

                    While we’ve done a cost analysis, we haven’t fully allocated our budget since there’s still time to raise funds. If we don’t meet our target, we may have to cut back on portions, remove some extras, or even reduce the number of people we can host.

                    Last year, our Iftar was the second-largest in the entire school. We plan to go even bigger this year if we hit our target.

                    “In 2023, I could feed 500 people with ₦400,000. Now, that amount barely covers 300 meals.” — Nurayn, 22, Student.

                     I’m a 500-level Law student at the University of Ilorin. I also run the Noor Foundation, a charity organisation focused on helping vulnerable people: women, children, and those in need. But during Ramadan, we shift gears to cater to all fasting Muslims, as encouraged by the Hadith:

                    “Whoever provides food for a fasting person to break their fast will have a reward like theirs, without diminishing their reward in the least.” (Sunan al-Tirmidhi, Hadith 807).

                    However, the rising cost of food has made hosting Iftar gatherings increasingly expensive. In 2023, I could feed 500 people with ₦400,000–₦450,000. Now, that same amount barely covers 300 meals.

                    On the third day of Ramadan, we hosted an Iftar dinner that cost ₦250,000 for just 150 people. We kept it simple: jollof rice, eggs, drinks and dates. But even that stretched our budget.

                    But despite these price hikes, we juggle our plans, make necessary changes, and work with whatever we have.

                    When I first started in 2023, I covered the costs myself, with support from family and friends. Over time, I began to have volunteers and occasional donors, but we still don’t have permanent sponsors. 

                    We rely on crowdfunding, personal outreaches and social media campaigns to raise funds. As students, pooling resources is tough, but our primary motivation is the blessings that follow acts of kindness. It’s not easy, but we’ve made it work so far, Alhamdulillah (praise be to Allah).

                    If I had a bigger budget, I’d feed at least 500 people every single day of Ramadan. But we do what we can, and it’s fulfilling. 

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                    “This year, our goal is still ₦5 million, but we’ve only raised ₦2.4 million.” — Kabeerah, 23, Founder.

                    This is my third year running the Kaid Charity Foundation (pronounced K-AID). Our Iftar project started in 2023, and we fed 500 students and 50 widows. The total budget was 2.5 million, with ₦1 million for the Iftar project and ₦1.5 million for the widows drive, and we actually met our target. 

                    But as food prices skyrocketed, so did our budget. In 2024, we aimed for ₦5 million but barely hit ₦3 million. This year, our goal is still ₦5 million, but we’ve only raised ₦2.4 million. We fund the Iftar project through individual donations, but raising funds is the hardest part. I’ve lost count of how many times I’ve wanted to give up. The economy is tough, and yearly donation requests are exhausting for people. We’ve tried reaching out to a few organisations this year, and only one has donated so far.

                    The Iftar project itself is straightforward. We feed 500 students over the last 10 days of Ramadan: 50 students per day. We have volunteers online and offline who help with publicity and logistics. Every evening around 5 p.m., after the Asr prayer, we gather at a meeting point, package rice, chicken, dates, and water, then head to different hostels to distribute them. We try to switch up the locations yearly, so it’s not the same hostels getting food all the time. We also distribute food packs to 50 widows on the 27th and 28th day of Ramadan. We buy three bags of rice, 50 litres of groundnut oil, and other essential cooking ingredients, then divide them into 50 equal portions for distribution.

                    For me, the Iftar project is more than just giving people food. I know what it’s like to struggle. That’s why Kaid Charity exists: to ensure students, widows, and orphans feel cared for.

                    Our reach is limited right now. I dream of a day when we can put up billboards and reach a wider audience.

                    But no matter how difficult it gets, the most rewarding part is knowing we’re making a difference in the Muslim community. Every act of kindness in Ramadan counts, and it’s fulfilling to know that our efforts are helping people and bringing us closer to Allah’s blessings.

                    “Usually, I set a target, fundraise, and my sponsor tops it at the last minute. But this year, he’s been quiet.”— Abdulrahman, 23, Business Owner.

                    I host Iftar gatherings because I want students to feel special. I call it “The Grand Iftar” because it’s more than just a shared meal; it’s a meaningful experience.

                    I schooled in the North, and I noticed that students struggle with access to food and spaces where the Ramadan experience feels special. That’s why I host Iftar gatherings, where Muslims come together to share meals and listen to Islamic lectures, reflect, and engage in mentorship discussions about faith and life in general.

                    I wanted an Iftar that felt intentional, not just another meal handout. I wanted a space where anyone, regardless of background or sect, could come together, share a meal, and feel a sense of belonging. And beyond all that, it’s also about the rewards that come with feeding people during Ramadan.

                    I started in 2021 with just ₦7,000, which got me about 80 wraps of moi moi and pap for family and friends. The next year, I bought ready-made food for about 100 people from a restaurant. At the time, a plate of rice and chicken cost ₦700. The following year, the price per portion jumped to ₦1,700. That wasn’t sustainable, so I reached out to my friends, and we started cooking the Iftar meals ourselves. 

                    Last year, I spent about ₦180,000 to host Iftar. This year, I’m looking at ₦900,000 if I want to do it properly. I have three options: ₦250,000 to feed 200 students, ₦550,000 for 400 students and ₦900,000 to host 700 students, which is my actual target.

                    But fundraising has been slow. I graduated last year, so between running my business and trying to raise money, it’s been a struggle. So far, I’ve only raised ₦20,000 from one person. 

                    Usually, my main sponsor steps in at the last minute to cover the shortfall. But this year, he’s been quiet. I contacted him when Ramadan started this year and told him I had gotten ₦30,000 in promises, and only ₦20,000 had come in. And for the first time, my sponsor didn’t say anything for a while. A few days later, he got back to me and asked about the latest possible sign that I could still make the Iftar happen, and I told him I could probably work towards the 15th of Ramadan.

                    It’s been a stretch of silence ever since.

                    So now, I’m just waiting for his next reply. If the money doesn’t come, I’ll have to scale down. Maybe round up the funds to ₦50,000 from my own pocket and host a small gathering to keep the tradition alive, especially because Allah loves little, consistent good deeds.

                    But I still have hope. If things work out, we’ll kill a ram or a cow the day before and cook more food. That’s still in the plan.

                    If I don’t hit my target, I’ll stick to rice and fish. To cut costs further, I’d switch to a Hausa-themed Iftar. We’d serve Masara (corn), soup, maybe Zobo, and there’d be a “mai suya stand” for self-serve suya. I haven’t done a proper cost analysis yet, but it seems cheaper than cooking full meals.

                    For now, I’m just hoping the money comes in.

                    Join 1,000+ Nigerians, finance experts and industry leaders at The Naira Life Conference by Zikoko for a day of real, raw conversations about money and financial freedom. Click here to buy a ticket and secure your spot at the money event of the year, where you’ll get the practical tools to 10x your income, network with the biggest players in your industry, and level up in your career and business.


                    Also Read: Halal Investments in Nigeria: How to Invest Without Breaking Islamic Rules


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                  8. There are only a handful of writers working today in the world who have attained celebrity status quite like Chimamanda Ngozi Adichie. Her TED talk, “We Should All Be Feminists” was sampled by Beyonce. Later, Dior printed it on T-shirts. She has graced the covers of magazines like Harper’s BAZAAR and Vogue. Tickets to see her deliver speeches sell out in seconds. On social media, her devotees proudly call themselves “The Daughters of Chimamanda.” Fans of her work almost held vigils outside bookstores anticipating her latest drop, Dream Count. 

                    Odeluwa Abba!

                    What has made her so popular among young women? I spoke with one such woman to try (because we can only try) to understand the gravitational pull she has on her fans.

                    As told to Tomide by Mariam.

                    Growing up, I always loved reading. One of the books that stuck with me as a child was Purple Hibiscus, Chimamanda’s debut novel. I was in SS2 when it was assigned in my literature class. At 14, I appreciated its storytelling and setting, but I didn’t fully grasp some of its themes. However, Aunty Ifeoma’s character stood out to me — a strong woman raising her children on her own. She was one of my earliest introductions to the idea that women could be independent and capable in a world that often insisted otherwise.

                    As I grew older, I understood the book differently. Eugene wasn’t just a strict father; he was an abuser. It made me realise how men who are admired in public can be entirely different — and much darker — behind closed doors. But the real shift in my perspective came when I read Dear Ijeawele, Chimamanda’s book on raising feminist children. It resonated deeply with me because, even as a child, I questioned the way things were.

                    Why were girls always the ones expected to cook, clean, and do most of the chores? These skills weren’t embedded in our DNA, so why were they treated as if they were? During Ramadan, I noticed how women were constantly occupied with cooking while men had the freedom to focus on prayer. I knew something about these gender roles wasn’t right, but Dear Ijeawele put words to the thoughts I had been carrying for so long. It was affirming to see someone write so passionately about these issues, making me feel seen and understood.

                    That’s the power of Chimamanda’s writing — it reinforces the belief I’ve always had: girls should be raised to be their own people, not just groomed to become someone’s wife. Her books remind me that I’m not alone in these thoughts. They make me reflect: Are we the way we are because of how we were raised? What other norms have we accepted simply because society told us they were normal?

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                    Her writing also challenges how we treat and address women. Why do we call women “Dr. Mrs.” instead of just “Dr.”? Why is a woman expected to change her surname after marriage? These seemingly small details carry deeper implications, and her work reaffirms that women can be loud, stubborn, and unapologetically themselves. And that’s more than okay.

                    Every writer has their own way of telling stories, but Chimamanda’s writing stands out for its clarity and depth. Her storytelling is both poetic and powerful, making it easy for readers to connect with her words. There’s a profoundness in the way she crafts her characters and their experiences—raw, relatable, and deeply human.

                    Whether it’s Kambili’s silent struggles in Purple Hibiscus or Ifemelu’s complex journey with race and identity in Americanah, Chimamanda’s characters feel real, their emotions tangible. Americanah is my favourite of her books because, in my opinion, it’s where she most deeply explores feminism and identity. Through Ifemelu’s experiences, she dissects the ways gender and race shape our lives, making the novel not just a story but a lens through which to view the world.

                    In “We Should All Be Feminists” (which is also a book) she writes, “We teach girls to shrink themselves and make themselves smaller.” This powerful quote is one of the defining statements that cemented her voice and influence in both global and local cultural conversations.

                    In the week leading up to the release of her new book, Dream Count, the excitement was everywhere. Book lovers, reading clubs, and literary circles buzzed with anticipation — Chimamanda Adichie was the name on everyone’s lips. It was a moment of unity, a celebration of her impact on literature and culture.

                    Beyond her writing, her influence extends into real-life recognition. She made history as the first woman to receive a chieftaincy title in her hometown — a powerful testament to how her work and ideologies manifest beyond the page. Chimamanda is more than a writer; she is a symbol of possibility, a reminder that aspirations have no limits.

                    It’s impossible to talk about great and influential Black, African, or Nigerian writers without mentioning her name. I love that her work is not just celebrated but deeply appreciated across the world.

                    People won’t stop talking about Dream Count. Over the past few weeks, I’ve read every article I could find about it. Just like I binge-watched all of Chimamanda’s YouTube videos back in university, I found myself jumping from one article link to another. Book lovers attended her events, bought copies of the book, and even got her autograph. That’s influence. I wish I wasn’t in Nigeria — or at least, I wish I wasn’t a broke babe — because I would have been there, too.

                    For me, Chimamanda and her books are the perfect conversation starters with fellow book lovers. Lately, I’ve even bonded with people over her recent Vogue interview

                    In The Guardian article, I liked how she addressed some of the criticisms she has received, especially about Cancel Culture. She spoke about the importance of people being able to share their opinions and defend themselves. One of the points she made was about trans women and how, in her view, they don’t have the same lived experiences as cis women, particularly regarding safety and social conditioning. I understand where she’s coming from, but I also see how trans women begin to experience many of the same struggles that cis women face. It’s a complicated topic, and honestly, I’m still figuring out where I stand. It’s difficult to take a firm position without enough knowledge.

                    But that’s the beauty of discussion — engaging, listening, and allowing conversations to shape and refine our opinions. If I could talk to Chimamanda, I’d tell her how important her books are, though I’m sure she’s heard that countless times. Still, I’d want her to know that her work has shaped so many young Nigerian feminists, including me. It’s astonishing to see how much she has done for women and people in general through her writing.

                    We need to read, learn, and understand that there is no limit to what we can become. Society will always try to dictate who we should be, but we don’t have to conform. Women should have the same access and opportunities as men—in school, in workplaces, and in every part of life.


                    Wait, babes. Tickets to the hottest women-only party are now available. Get your HERtitude tickets here.

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