Loan Interest Explained: How Much Are You Really Paying?
A loan app offers you ₦50,000 and wants ₦60,000 back in 30 days. Ten thousand naira. That sounds like a small price…
Category: Personal Finance
30 articles
Should You Take a Loan to Buy Dangote Refinery IPO Shares?
Thinking of borrowing to buy Dangote Refinery IPO shares? Here’s why using loan money for this investment could cost you more than it earns.
Should You Keep Your Emergency Fund in Cash or a Money Market Fund?
Most emergency fund advice stops at “save three to six months of expenses” and never says where to actually put it. Leaving…
What Should You Do With Your Bonus or Extra Income?
A bonus lands differently than a salary. It feels like money that isn’t really yours — extra, unplanned, almost free — which…
Should You Pay Off Debt or Start Investing?
This question comes up no matter how much money is involved — ₦50,000 or ₦5 million, the logic is the same. And…
I Have ₦1 Million. What Should I Do With It?
₦1 million lands differently than ₦500,000. It’s enough that the decision stops feeling small, and enough that a mistake actually costs you…
I Have ₦500,000. Should You Invest It, Save It, or Use It to Clear Debt?
You just got ₦500,000 — a bonus, a side-hustle payout, a salary arrears clearance, whatever the source. Now you’re staring at three…
What Actually Changes on Your Payslip This Year
Nigeria’s 2026 tax reform has quietly changed what lands in your account every month. Here’s what shifted, in plain terms, and what to check on your next payslip.
How to Get Your Tax Clearance Certificate in Nigeria (2026)
You need it for a government contract. Or to register property. Or your bank is asking for it. Or a professional body…
How to File Your Annual Income Tax Return in Nigeria (2026)
Most Nigerian salary earners have never filed a tax return in their lives. And for a long time, that was fine. If…