Categories
Quizzes & Trivia

Quiz: Do You Have Expensive Taste?

Take this quiz to find out if you have expensive taste or not.

Categories
LifeStyle

7 Nigerian Scam Victims Share Their Experiences

From 419 and ‘yahoo yahoo’ to the famous Nigerian prince or princess scam, you have probably heard them all. The reality is that people fall victim to scams every year. Some scammers get away with it while others don’t.

We decided to get a couple of people to share their stories around being victims of scams and here’s what they had to say.

_________________________________________________________

To get Halo Invest’s bi-weekly newsletter sent to your mail, with all the financial insights, tips, and tricks you need, subscribe here.

_________________________________________________________

The classic phone call scam but with Ifa involved

Someone sent me about 5k credit “by accident” and I sent it back.

He then called again to thank me saying that he didn’t know there were still good people in Nigeria. I told him not to worry about it.

A few minutes later, he calls and says his dad wants to speak to me. His dad thanked me, prayed for me and then asked for my name. After I told him, he said okay and cut the call.

A few minutes later, he called again. His dad said he consulted Ifa and saw that I have a bright future but the ‘white of my glory’ is stained (I kid you not these were his exact words). He said we need to do a sacrifice to cleanse my glory’. I was like “Nah bro, I’m good” and I blocked the number.

Okpe

The near scam experience

The truth is, I have never fallen victim to a scam before but people have attempted to scam me several times.

The most recent one was a guy who told me about Bitcoin and asked me to download a Bitcoin app.

After downloading it, he told me to send all my details to him. He was planning to register me under his name because that’s how it works. Apparently, once that is done I will start to benefit from him.

Anyways, I tried to register and then saw a message that read: ‘Never disclose your details.’ on the app. That’s where it ended.

Dubem

Ajo girl carried my 40k

We were doing a contribution of 20k per month. It was to run from November 2020 to August 2021. We were 5 in the group.

A friend had introduced me to the Ajo group and it seemed very convincing since she was friends with the group leader and had done it before.

Long story short, we paid for November and December, then she went missing. Her number stopped going through and she wasn’t always home (at the house my friend knew). Till today, nothing.

Wunmi

_________________________________________________________

Halo Invest gives you access to the best financial insights, insider tips, and tools to help you improve your relationship with money. Click here to subscribe to our emails. We never spam you, promise.

_________________________________________________________

The one that happened abroad

I have been making monthly payments for my phone and sim for the past six years. Every two years, I have the option to either cancel or renew.

When my last two-year subscription ended, I didn’t want to get a new phone and I also wanted to keep my sim deals, so I kept on procrastinating payment.

One day I got a call from a number that looked like my provider number, they wanted to know why I hadn’t made payment and I let them know why.

We had a discussion and I decided that it would be great to get a new phone, so I gave him payment info and card details.

He called a while later to let me know that he had not gotten the payment so I called my bank to get it over with.

Turns out it was still stuck in my pending transactions, so I told the man that the bank said I’d have to wait. He told me he would get back to me and after that, I didn’t hear from him. His number was blocked and unreachable.

That’s when I started getting hot. I googled what had happened and the account name on my bank app. Omo. I put one and two together and called my bank immediately to let them know. They told me I could file it as fraud if it went through since it was a pending transaction.

I was on a call with a friend later that day. She randomly narrated how she almost got scammed in the same way. I immediately cut the call and called my bank to block my account.

It felt like I was getting signs from God that it was a scam but when the money didn’t send before, I was legit vexed with Him 😂.

Esther

I know a scam when I see one

I turned the bank account I got during NYSC into a savings account for emergency funds after my service year. There was a little difficulty resetting my USSD pin.

I decided to call customer care since the numerous OTP codes sent to me kept expiring before I could process them. However, they were unable to sort it out and advised me to visit the bank and get it done.

About three minutes later, a lady called to tell me she works in the IT department of my bank. It was a private number that didn’t even look similar to the customer care numbers I usually call. I decided to indulge her.

She said my pin had been reset and asked what the issue was. It got me a little confused and suspicious when she went on to ask for my OTP pin after I explained it to her. I expected she would already have that information since she’s from the bank.

I told her I wasn’t comfortable sharing the information and she got upset. She said I would have to go to the bank myself if I don’t tell her. So I told her I would rather do that.

Lol. Then she ended the call.

Lois

The one with the gold travel card

This happened in the early 2000s. A church member had introduced me to a white man who was into product marketing. He was one of those guys that come from abroad to talk about an investment, then they give you a gold travel card.

It all looked legit to me, so I gave the man 120,000 naira and they gave me juice to sell.

Long and short of the story, it didn’t work out. I drank the juice when it became obvious it wasn’t going to work out. Even the man that introduced me to him lost money too.

Dimeji

I dare you to bring in your lawyers

My sister’s friend helped me sort out my account opening and I was supposed to pick up my ATM card in three days.

I had some money in her account, so she sent it to me because she didn’t want to end up spending it 😂.

The next morning, I got a call from someone telling me that my ATM card was ready and I could come to get it but I would need to send a code. My sister said the whole thing wasn’t adding up.

The next time he called, she spoke to him. He said; ‘I’m calling from your brother’s bank’ and it was so weird because I’m not sure how he figured out she’s my sister. She asked him what bank that was and he couldn’t answer 😂. He told her the same thing about my card being ready and how I’d need to send some information first.

My sister wasn’t having it, she asked him ‘did you work for this money?’ Then she called him a scam because she knows banks don’t randomly call their customers.

He said if he’s a scam, then we should bring in lawyers to come and meet him in the bank tomorrow. 😂 They exchanged insults and then he cut the call.

Tolu

**We keep our interviewees’ names anonymous on request.

Have you ever been scammed before? Let’s hear it. Share your experience in the comments. You can also check out other interesting stories on the blog.

Categories
LifeStyle

How I Live My Best Life With 2 Main Sources Of Income

Every week, we talk to Nigerians around the world about money and how they make it.

This week features Amaka, a 26-year-old who works as a community manager, owns a hair extension brand and is currently saving up money to buy a car.

She shares how she started her business, what it’s like taking on both roles in her life, and how she’s able to prioritize enjoyment.

_________________________________________________________

Halo Invest gives you access to the best financial insights, insider tips, and tools to help you improve your relationship with money.

_________________________________________________________

How do you make money?

I work as the community manager at Halo Invest, a fintech company in Nigeria. I also run Amaka’s hair for days which is a hair extensions brand that caters to (mostly) Nigerian women. On the side, I do some content creating for brands and influencer work.

How did you get into it?

I started my hair business at 21 when I was still in uni, growing it, getting (online) customers, and transitioning from a small business to a brand made me learn about marketing and communications.

I was fascinated by how content is made and how people receive and consume it. Long story short, when the time came for me to choose my career, I gravitated towards communications and content

What’s a typical day like for you?

I get up at 6 am every day (when I didn’t have a crazy night), then I work out for an hour and settle into work around 8 am.

My 9-5 work runs till about 3pm, then I take a break. I usually squeeze in some time to work for my business on social media which I manage and sometimes make wigs at the end of the day if need be. I may get bored and go out to eat or something, I always make sure there’s a little enjoyment in my everyday life.

What has your experience with your job been like so far?

To be honest? I love my job!

Initially, it was hard. When I started, I had to hit the ground running. I belt under pressure easily so that period was really difficult.

It took me about 4 months to find balance but I’ve been doing pretty okay at it since then. I also have a very supportive team.

What do you love most about what you do?

The flexibility! I love that I can do like 3 things and not feel like I’m enslaved or dying.

How do you get clients?

Mostly through referrals and targeted ads. My business has been in existence for about 5 years now so people know it. I still get referrals from university colleagues to this day.

Are there any tools or resources you have used to improve your skills?

Yes, I took a digital marketing course at Shaw Academy, a social media marketing course on the eMarketing Institute, a graphics design master class on Skillshare. The rest is just continuous learning in various workplaces and social media platforms.

What’s the most challenging part of your job?

Creating my monthly content calendar, am die 😭

__________________________________________________________

Sign up for our Money Notes newsletter to get bi-weekly financial insights, tips, and tricks sent to your mail.

__________________________________________________________

What’s your relationship with money like?

I have a love-hate relationship with money.

On the one hand, I love the freedom, choice, and access it allows me to have, but on the other hand, I detest the divide it causes, the discrimination, and how far away from morality we as people are willing to go for it.

I hate the importance we attach to it and the (disposable) value we attach to people because of it

Do you ever worry about money?

Oh, always.

How do you prioritize enjoyment in your life?

I dey chop my money oh!

I work very hard so best believe that if I see an avenue to spend my hard-earned money, I will indulge.

Run me through how you allocate money in a month.

First things first, I make a list of non-negotiable payments that must be made at the beginning of the month. Typically things like electricity bills, subscriptions, birthday gifts, sanitation bills, monthly contributions, etc.

After I have settled these, I put 20% of whatever is left in a savings account.

Then the rest of the money? Na enjoyment get am. Important to note that in some months there’s no “rest of the money”, so I’m just looking up to God till I make more money.

What are you currently saving up for and why?

A car. Uber has probably used me to build a house at nnewi by now 😭

What’s your savings and investment habit like?

I am a compulsive saver😂. For Investments, I do what I’m able to.

What’s a major thing you’ve spent money on recently that improved the quality of your life?

Wow, this question just told me to go spend some major coins 😂

How would you like to round off 2021? In terms of your finances and personal goals.

Not going to lie, this year has been hard but I’m still alive and I’m still eating chicken, we go again next year 🙏🏽.

What tips do you have for anyone doing what you do but struggling to earn more?

Believe in yourself DIE!!

Charge that ridiculous amount, ask for that raise, leave that job, promote yourself even when it feels shameful. Be your own cheerleader and finally, “overhype” yourself. Na only you know wetin dey inside you.

What has been your biggest win of 2021

I’ve been traveling every other month since March and I haven’t run my savings into the ground, big W.

If you weren’t working your current job, what would you rather be doing?

Getting paid to travel the world and make content.

What’s a money-saving hack you swear by?

Save before you spend.

What’s something you can’t go a day without?

My phone, duh.

If you enjoyed this, then check back every week to stay updated as we bring new stories from Nigerians and their thoughts on money.

You can also reach out to us on social@haloasset.ng if you would like to share your story too.

Categories
Quizzes & Trivia

Quiz: How Rich Will You Be Based on These Nollywood Movies?

Take this quiz and we’ll tell you how rich you are going to be based on these Nollywood movies

Categories
LifeStyle

15 Relatable Things Broke People with Expensive Taste Understand

Living as a broke person with expensive taste is not easy. In fact, a lot of people have to deal with not being able to afford all the beautiful things they crave because their account balance doesn’t match their taste.

If you’re exactly like that, then you can probably relate to at least 8 out of 15 of these things below.

_________________________________________________________

Halo Invest gives you access to the best financial insights, insider tips, and tools to help you improve your relationship with money.

_________________________________________________________

1. You deny yourself, breakfast and lunch just so you can have enough money to dine at that expensive restaurant you and your friends have been talking about.

2. You have bookmarked every eye-catching event, activity, clothing, item (you name it) that you want but your account balance isn’t having it.

3. Your friends assume you’re the go-to person when they need some funds because of how well you have yourself together.

It’s all in the packaging right?

4. You are familiar with all the high-end fashion stores and happening places in Lagos.

Lowkey, you have probably only been to like 5 or just the ones you saved enough money to go to.

5. Your idea of online shopping is adding items you want to the cart without actually making any purchase.

Daydreaming about how great those trousers would look on you seems more ideal.

6. You know expensive wine when you see it but only opt for anything below 3000 naira at the mall.

We stan a queen or king who knows how to budget.

7. One thing about you? You never forget to remove your card from a 3-day free trial subscription.

8. You’re constantly planning getaway and staycation trips in your head without actually saving funds to back it up.

__________________________________________________________

Sign up for our Money Notes newsletter to get bi-weekly financial insights, tips, and tricks sent to your mail.

__________________________________________________________

9. You have never missed a discount sale or giveaway from your favorite brands.

They can have all your money if you had any.

10. Your favorite activity is consciously managing that expensive body cream you bought so it doesn’t finish fast.

On the other hand, you’re wasteful when using cheap perfume since it didn’t cost you an arm.

11. Your salary barely lasted you the last half of the month, but here you are already planning for the next month.

12. ‘You’ve been broke before and you survived’ are your comfort words for when you plan to splurge after payday.

13. You never say no to a party invite even though you don’t have a ride.

The plan was to stay in this weekend and allow your account to recover from previous debits but alas.

14. You look forward to the day when you can forget about the price tag and shop till you drop.

15. Two things in life that you avoid? Looking at your bank statement and checking your account balance after several debits.

You prefer to live life on the edge. If you perish, you perish.

Are you broke but you have expensive taste? Follow us on Instagram, Facebook, LinkedIn for daily content on how to make better financial decisions, escape the broke life, and enjoy your money to the fullest.

Read more articles from the blog here.

Categories
Money Notes

Money Notes #13 – The Bi-Weekly Newsletter from Halo Invest

Two notes in one month. 

Only the most useful, relevant, and practical entries on finance and money. 

If you like our notes, invite your friends to subscribe here.

For You

Fun, useful stuff you will absolutely love!

This hilarious video we shared last week will have you rolling on the floor.

Want to find out if you have what it takes to be a trust fund baby? Take this quiz.

Oluwademilade talks about her decision to become a volunteer teacher and how she manages her finances.

Jeff Bezos has regained his throne as the richest man in the world.

How this TikTok star is securing the bag with his ‘silent’ videos.

A recap from our Clubhouse table talk

The second edition of our Clubhouse event was held on Wednesday, August 11th and it was incredible! 🎉

We discussed the role of money on our mental health and our guest speakers shared their personal experiences and opinions on the issue.

We also got to talk about retail therapy, self-care, dating, financial stress, and anxiety. Our guests and listeners had a lot to share on the topic of dating outside of one’s tax bracket and how it can sometimes do a number on a relationship whether or not you earn more or less than your partner. 

To read some of the amazing gems our speakers dropped at the event, check this hashtag: #HaloUncut on Twitter.

Follow us on Instagram and Twitter to stay in the loop and know when we will have our next clubhouse session and send us a DM if you’d like to speak. We’re always happy to talk.

..

If you found this helpful, follow us on InstagramTwitterFacebookLinkedIn, and check our Blog for more frequent updates, tips, and tools to help you improve your relationship with money.

Categories
LifeStyle

Why I Decided To Take On A Volunteer Job As A Teacher

Every week, we talk to Nigerians around the world about money and how they make it.

This week features Oluwademilade, a 23-year-old teacher who’s passionate about working with children. She talks about her decision to volunteer as a teacher, the experience, and how she manages her finances.

_________________________________________________________

Halo Invest gives you access to the best financial insights, insider tips, and tools to help you improve your relationship with money.

_________________________________________________________

How do you make money?

I work for the government and I’m a volunteer teacher.

What’s the experience been like?

The experience has been adventurous and interesting. It’s my first teaching experience so at first, I was quite nervous about the job. I was always thinking “what if a student asks me a question I don’t have an answer to” 🤣.

Thankfully, that has never happened. Let me add that I teach in a tuition-free school, so the category of students I teach are children who live in rural areas and underserved communities in Lagos. So their parents cannot afford basic education for many of them.

Teaching this category of children requires me to do more work than normal because most of them started school late so there are some things they don’t know at their age.

It’s like I’m teaching them what they should have learned (like past tense and present tense) and what they are supposed to learn.

That’s amazing. What piqued your interest in teaching?

To be honest, I never wanted to become a teacher. I studied English and there’s this misconception that once you study English you would most likely end up a teacher.

So when the thought of teaching first crossed my mind I was like “I’m going to be proof that this misconception is not a lie”. But as time went on, I decided not to care about what anybody had to say about my life choices. Now, I chose not just to be a teacher but a teacher in a rural area.

A lot of people are not aware of what happens at the grassroots. People think life is just about working in fancy offices and making money. But No! There’s more to life than that.

Making an impact is what matters most to me. So, I made up my mind that I won’t join the rat race. I also decided to teach the children and teach them new things they might not have the opportunity to learn because of their environment.

What’s been the best part about this volunteer work so far?

The best part of the volunteer work is knowing that I’m making an impact in the life of not just one person but many children.

I also love seeing my students improve and grow. I think that’s the joy of every teacher but it just makes me extremely happy knowing that I’m not wasting my time.

That’s beautiful and a different way to look at it. What’s been your favorite part about working with the children so far?

Well, the best part of working with children is when I go to school in the morning and they run to the gate to hug me and help me carry my things.

It makes me feel loved and appreciated because children are like the most honest creatures, if they don’t like you they can’t hide it and if they like you they won’t hide it also. So it’s good to know that they love me and appreciate my work.

That is so sweet. What subjects do you teach?

Initially, I applied to be an English teacher but now I teach Maths, Verbal Reasoning, Quantitative Aptitude, Religious Studies, etc. It’s a primary school so I can teach different subjects as long as they understand 🤣.

Have you faced any challenges since you started working with children?

Yes. Children are annoying o. You’ll ask them to do something and they do the exact opposite 😭.

And I honestly hate the idea of flogging so the best I can do is to punish them. But they are already used to it.

Also, almost all of them are Yoruba so sometimes I have to use Yoruba to explain while teaching to help them understand. It’s difficult for me because my Yoruba is not so good 😭😭😭

What’s something interesting you have taught them that they didn’t have access to know about before?

I’ve taught them new games, songs, and spelling.

Sometimes, I bring my laptop and we watch movies during the lunch break🤣.

Do you have random money conversations with the children?

Yes, I do. Most of them come from low-income backgrounds so they have very little. I always ask them to save from that little. Especially now that they’re on holiday.

__________________________________________________________

Sign up for our Money Notes newsletter to get bi-weekly financial insights, tips, and tricks sent to your mail.

__________________________________________________________

That’s so important. What’s your relationship with money like?

I’m very economical. I’ve mastered control over money. I could have 100 Million in my account and not touch it if I’ve made up my mind that I won’t spend it. My siblings think I’m an “Alaroro” because I can manage money for Africa🤣. I don’t like spending my money.

What’s an “Alaroro”?

It’s a Yoruba word used to describe someone who is either stingy or likes to manage things. I think I’m the latter because I’m not stingy.

Oh, how did you learn to control money so well? When do you think that started?

I think I spend more on myself now. My mum made me understand that the fact that I’m saving doesn’t mean I shouldn’t buy myself nice things. Sometimes it is okay to satisfy your cravings because in the end money comes and goes.

I started practicing this more after one incident that happened to me recently. I was supposed to go out and chill with my friends but I felt like I was going to spend too much money so I stayed at home.

A few days later, someone hit my car and I had to use that money I didn’t want to spend to fix my car. I felt bad because if I had gone out at least I would have enjoyed myself. But sadly I didn’t go out, I didn’t enjoy it and I still spent even more than I budgeted for. So sometimes I close my eyes I buy what I really want as long as it makes me happy.

That’s great. Like people say ‘ try to dey enjoy life, problem no dey finish.

Also, back in high school, I used to spend half and save half of my money. I will never forget the day the stole all my money from my school bag. I cried blood.

My siblings were just laughing at me🤣. Another proof of why it’s good to enjoy your money sometimes. You don’t know when the real owners will come for it (God forbid)🤣.

Run me through how you spend money in a month.

I first deduct my tithe. Then I budget like ₦15k on fuel (it could be less it could be more. It depends on how often I go out).

I spend about ₦20k to ₦25k on data. ₦20k to ₦30k for Miscellaneous like when I have to go out with friends, buy a friend a birthday gift, make my hair, fix car damage, etc.

The activities listed under miscellaneous don’t occur every month so sometimes I spend way less.

I don’t pay rent or electricity bills since I live with my parents.

After this volunteer work, what’s next for you?

I plan to get a master’s degree in education.

What are your plans to start making more money?

I’ll like to be an Education Consultant and a Policy Analyst. I’m also going to own a school by God’s grace.

What are your personal or financial goals for the rest of 2021?

My goal is to continue to impact as many lives as possible and also keep pushing the SDG 4 agenda which is quality education.

I also hope to get funding opportunities to pursue my master’s degree in education.

What’s something you’ve bought recently that improved the quality of your life?

Skincare products. I ordered a new sunscreen and added new products to my skincare regimen.

Do you have any financial pet peeves?

I don’t like when people don’t pay back borrowed money. That’s dustbin behavior. If you do it, please stop.

What’s something you wish you didn’t have to spend money on?

Pads and Tampons. I feel they should be free.

If you enjoyed this, then check back every week to stay updated as we bring new stories from Nigerians and their thoughts on money.

You can also reach out to us on social@haloasset.ng if you would like to share your story too.

Categories
Quizzes & Trivia

Quiz: Find Out if You Will be a Trust Fund Baby in Your Next Life

In case you’re still wishing your parents had a trust fund for you, this quiz will tell you whether you’re coming to this world as a trust fund baby in your next life.

Categories
Quizzes & Trivia

QUIZ: What Money Personality is Your Love Match?

Discover what money personality is the right fit for you as a romantic partner ❤

Be honest! Choose the answers that best suit you to get an accurate result.

Categories
LifeStyle

It’s Been 5 years Since I Switched Careers to Become A Visual Designer

Every week, we talk to Nigerians around the world about money and how they make it.

This week, we are featuring Damola, a visual designer who makes money from his full-time job and through commissioned projects. He talks about switching careers, what he loves about his job, and the struggles he faces as a creative in Nigeria.

_________________________________________________________

Halo Invest gives you access to the best financial insights, insider tips, and tools to help you improve your relationship with money.

_________________________________________________________

What do you do?

Omo sometimes this question confuses me because I can be described as a lot of things, but sometime last year I was able to find an appropriate term for it. I am a visual designer.

What are the many things that make up your work as a visual designer?

I am a graphics designer, and this also has its own subsets.

Then, I also create logos, flyers, banners, and designs for print. I am a User Interface designer, a 3D artist, and an illustrator.

How do you make money from all of this?

So I have a day job, which is my main source of income. I am the lead graphic designer of a company and it pays moderately well. Asides from that, I make money mainly from commissions.

Commissions to make logos, flyers, social media campaign designs. And very recently commission to draw and illustrate people.

How do you get commissioned works?

Two ways, Twitter and referrals. I’ve worked with so many people that I still randomly get referrals from people I have worked with in the past.

What’s your process like when it comes to charging your clients?

There are things that have fixed rates, like logo designs.

Then, there are things that are informed by the scale of the project. For instance, a user interface design or an editorial will always depend on the number of screens or pages respectively.

I have a fixed price for my portrait drawings too but it might go up soon.

Why?

Demand. There has been an increase in appreciation for my work and also an increase in my own skill level. So it’s only natural that my fees also head to the moon.

How have you been able to increase your skill level and evolve with your work?

I’m not the most hard-working person, to be honest, but I always want my work to show some form of excellence. So I’m constantly reading and watching tutorials on how to do this, what technique to use for that.

I also have a couple of creatives I follow on Twitter that constantly inspire me. There is an endless stream of inspiration. When my will meets some form of inspiration, I evolve.

I’m curious, how did you get into this space and realize this is what you want to do?

I have always been fascinated by computers since I first saw a desktop. When I was really young, I used to redesign the logos of MTN, Glo, and other brands on PowerPoint. I soon forgot about all that though.

Before getting into university, I still wanted to work with computers but I got in for Electrical and Electronics Engineering instead of Computer Engineering.

I hoped I would go from there to do my master’s in computer engineering (this didn’t happen either).

Amidst all this, I got into the space of design purely by coincidence.

After uni, I was bored at home so I picked up a stick figure animation software and did a little thing. Then, I showed it to my friend, Ovie and he was like ‘guyyyy, download Photoshop’. And I did.

It’s been nearly 5 years since then and I am in front of my laptop having this interview while working on Photoshop.

Shout out to Ovie 🙌🏾. Asides from Photoshop, What other software/tools do you work with?

Adobe Illustrator, Blender 3D, Figma, and Adobe Premiere Pro.

You said not you’re not so hardworking, how are you able to manage your 9 to 5 and personal work?

I just do it.

The older I get the more I realize I can’t just wait for inspiration or energy. I have to drag myself up and do things.

My day job isn’t plenty demanding so that helps a little, but on days when it is very demanding, I still squeeze out time to do my personal stuff.

What’s it like being a visual designer in Nigeria?

It’s tough a lot of the time.

Creatives get belittled by the group of people who think all we have to do is “just move this one here, just put that one there.”

The lack of respect is why we are generally not compensated well.

If the country as a whole doesn’t see your value then individuals are always reluctant to pay you your worth. You work for some corporations and your creativity is stunted because they only have faith in their own selves.

This makes no sense, I am the professional that has been hired to do this but you think you know better than me. After a while, you might just give in to their own way of seeing things, even though you know it could be way better.

The Nigerian elder likes to brag that ‘what the elder can see sitting, the young cannot see standing’. I think they should take some time to do some standing, work some muscles, see the world beyond their narrow-mindedness. There is so much beauty in it, so much design but they’re set in their ways. The world has left Naija behind.

It must be really frustrating

It is most times but I’m used to it.

What’s your favorite part about being a visual designer, that kind of outweighs the bad?

I get to create. There is Euphoria when I create. Whatever it is, I just feel good when it works out. Probably how God felt when he looked at the world and proclaimed that it was good.

__________________________________________________________

Sign up for our Money Notes newsletter to get bi-weekly financial insights, tips, and tricks sent to your mail.

__________________________________________________________

That’s a great feeling. What’s been your biggest win this year?

My work titled ‘The Lost Lagos Bus’ got featured on Lucid Lemons and the49thstreet.

What did that feel like for you?

It was so random and sudden. It felt really good. I also felt seen and appreciated.

That’s amazing. Run me through how you spend money in a month?

I have some regular bills. Light, food for the house, utilities. Then I have specific target savings. Sometimes I invest in either stocks or crypto. Depending on my expenses that month.

Then I get my girlfriend something every month, there is no budget for this tbh but I always just spend on something.

Are you saving up for anything in particular?

For now, not exactly. If I was earning a lot more then I would be saving for either my master’s degree or PR.

How much is a lot more to you?

Like 3 times my current salary

How would you rate yourself when it comes to investing?

I’m a beginner. I’ve made and lost some money in crypto investing. I haven’t lost any in stock investing though and I’m still learning.

To really get into the investing game you need plenty of money.

What’s your relationship with money like?

Honestly, it was nonsense before. I wasn’t budgeting and I couldn’t account for my spending. Right now, it’s pretty decent, I know what I spend on and I can track my savings.

What changed?

I got older and I got responsibilities.

How were you able to make saving and tracking your money a habit?

I don’t think it’s a habit yet. It’s a work in progress. I know I need to be smarter with money so I’m actively trying.

Do you have any personal or financial goals for the rest of the year?

My financial and personal goal is to make a lot more money.

Big Energy. How do you plan to make it happen?

The plan is to get a remote job outside the country. I want to make creative work that can sell itself and bring me more money and I’d also find new investment opportunities.

What kind of investments?

There’s this fintech that’s into real estate investment and other investment opportunities that bring decent returns. I haven’t decided yet but I would love to try out Halo Invest when it launches too.

Is there anything you’ve bought recently that has improved the quality of your life?

I got a graphics tablet. Increased my productivity by 100 percent.

Do you have any advice for anyone trying to become a visual designer? Or figuring it out

There are so many ways you can become a designer. YouTube tutorials, paid courses, internship. But the constant is the continuous work you have to put in. Experience comes when you keep doing.

If you weren’t a visual designer, what would you be doing?

Most likely writing.

If you could have a lifetime supply of anything what would that be?

The first thought that crossed my mind was meat. All kinds of meat – chicken, beef, fish.

What’s your biggest fear about money?

Not having enough to take care of myself and my family.

If you enjoyed this, then check back every week to stay updated as we bring new stories from Nigerians and their thoughts on money.

You can also reach out to us on social@haloasset.ng if you would like to share your story too.