Categories
Quizzes & Trivia

Quiz: Which Smart Money Woman Character Are You?

Take this quiz to find out which Smart Money Woman you have a similar personality with.

Categories
LifeStyle

How This Content Creator Makes Money and Avoids Retail Therapy

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

This week features Funke who works in marketing & communications and also takes on work as a content creator, model, and blogger.

She talks about how prioritizing helps her juggle the different roles, how she has learned to become more financially conscious, and dealing with retail therapy.

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

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What’s been your biggest win this year?
My biggest flex this year has been understanding more things about myself and actively planning the future I want for myself

Love it. What does that future look like for you?

Honestly, a lot of work I’ll rather not do sometimes, setting firmer boundaries, being more disciplined, being more financially conscious, studying more, and letting go of silly habits. All the boring parts of adulting.

Haha. Adulting is hard. How did you learn to become more financially conscious?

Once I knew it’s something I had to do, I started following pages that teach about money years ago.

I also read books & newsletters that help me learn about money and all of that.

That sounds great. So tell me, what do you do?

I’m a marketing & comms girl at Pennee by day. Other times I’m a content creator, model, blogger.

I love writing about women’s mental health, body positivity, personal style and just thriving in this world fixated on a faux perception of perfection.

Love it. What’s a typical day like for you?

On a typical day, I wake up after my third alarm, prep breakfast & coffee, sit in my workspace and wait till 9 for the meeting, start work & till 5, sometimes after.

So it’s either I’m snacking and on Netflix and social media for the rest of the day or I go out with a friend for dinner or for an event.

I’m curious, how did you get into marketing and comms? and how are you able to juggle your job with the other things that you do?

I started with writing articles, then blogging, learning about SEO, social media management, content creation, business development. Also, I learn skills to get a job then improve those skills while I’m there, there’s always something new to learn for me.

I juggle it by prioritizing, over the years I have found a rhythm that works. Although it’s not perfect, I’ll say I handle both pretty well.

Wow, you really have it figured out.

I try 😩

What do you love most about what you do?

It never gets boring, there’s something new to learn, to implement. It makes me think a lot. I enjoy the process of creating with a goal in mind.

Are there any tools you’ve used or currently use to build your skills? Is that something you put money into?

So, pretty much online courses, paid and free. I started with free WhatsApp classes.

Books as well, and following people that inspire me on Twitter and certain topics.

Currently, I have a paid mentor, newsletters, take free courses online & I also read a lot of articles.

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What does your money habit look like?

I’ll say it’s decent, I save mostly, leaning towards saving in dollars more. Then I invest in bits in fin-tech apps, & a lirru bit of Bitcoin.

Of late I realized that I relapse into retail therapy but I’m working on it.

Retail therapy is such a scam😩 How do you deal with retail therapy?
Budgeting helps. I say I don’t want to spend over X amount on clothes and I remind myself that I have things I ordered that I’ve still not worn or used. So, I don’t need what I’m about to get.

Another thing is limiting how much I have in my spending account. So, taking money from my savings is a chore.

Run me through how you allocate money in a month.

From my consistent source of income, I save a certain percentage or more, depending on if I want an urgent need or not.

Another percentage goes to my needs & upkeep, basically my baby girl lifestyle, and then my emergency funds too.

From my side gigs, I pay myself a certain percentage from it and save the rest. I like my side hustle funding itself, (not the case most times though) so saving for gears is from it.

Asides from gears, what’s something you’re currently saving up for and why?

Travel. I want to travel more, experience different places and meet amazing people.

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

My health, bought a meal plan, been eating healthier food, got health insurance. Not major but yeah.

Oh It’s definitely a big deal.
How would you like to round off 2021, in terms of personal or financial goals?

I will like to round it off big tbh, hitting my income and savings goal would be a win financially, and personally, I want to travel to at least one of the places I want to go to before the year ends.

I hope you do. Do you have tips for anyone doing what you do, but struggling to earn more?

Hmm, this happens to a lot of us.

I’ll say continue to put in work and when you feel the time is right, ask for a raise or apply to a higher role in another company.

Gain the necessary skill you need for a higher-paying role and start applying.

If your current job won’t pay you your worth, someone will.

For my side gigs, I’ll say create better content, be consistent and focus on your community.

The last line is gold! What’s your financial superpower?

I’m always finding a way to make money no matter what.

What’s something you consider an annoying expense?

Data, cause no matter how much you pay. You still get shitty service. It irritates my soul.

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




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Money Notes

Money Notes #15 – 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.

Money Tip
Knowledge you can use

How to start building generational wealth

Have you had this moment of realization yet? You know, figuring out that you are going to have to do the work of building generational wealth? 

You are definitely not alone. While some people are focused on their personal finance right now, there are still a lot of young people out there thinking about a future where their children are financially secure. (Then there’s the 1% who are lucky enough to have been born into generational wealth.)

So how can you start building this wealth?

Let’s be honest, creating generational wealth is not as easy as it sounds (especially with inflation and devaluation of the naira today) but once you start and get a hang of it, it’s probably the best thing you can do for your (future) children and generations that follow.

1. Invest: You can start setting aside an amount you want to invest for your family that also goes into your children’s future. Start with the stock market or real estate, but make sure you have knowledge of investing before you jump into it. They both make great long-term investments.

2. Have multiple streams of income: Get yourself other streams of income other than your job. You can get yourself good-paying side gigs or earn passive income by selling an ebook, a course, or starting a youtube with relevant content.

3. Start a family business: The key to building a successful family business is to start now and have a solid business plan. Think of a business that would be relevant even in your children’s time and work with what you have to build it. In the end, let it be something you love doing.

Get them interested at a young age it but don’t force them to take over. There’s still an option of selling off the business. 

4. Develop your interest in personal finance so you can teach your children too: If you want to keep wealth in your family, it’s important that you have the knowledge so you can pass it down. 

You can have generational wealth in your family, but it’s pointless if they don’t know how to continue building it.

5. Protect your family with life insurance: Whether you plan to have your own family or you already do, it’s never too early to have life insurance. With life insurance, you can keep your children financially secure if something tragic happens to you.

For You
Fun, useful stuff you will absolutely love!

You get DMs from the likes of Femi Otedola, Temsbaby, and Obi Cubana, who are you replying to first? 

Apple has just launched the new iPhone 13 and what Elsa Majimbo has to say about it will have you laughing.

Here’s how this voice-over artiste makes money doing what he loves.

Find out what makes saving money sexy in this podcast.

The smart money woman series is now on Netflix.

..

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
Quizzes & Trivia

Quiz: Which King of Boys 2 Character Matches Your Money Personality?

Which of these characters from King of Boys 2 do you have a similar money personality with? Take this quiz to find out

Categories
LifeStyle

How This Voice-Over Artist Makes Money Doing What He Loves

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

This week features Kolade, a 28-year-old who works in the media and creative industry. He talks about making money as a voice-over artist, co-owning a production company, and his plans to start investing.

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How do you make money?

I work in the media and creative industry. I co-own the production company, Showmotics and I’m also a voice-over artist. So I get paid to create content, do voice-over gigs and also shoot ads/product and service videos for brands.

How did you get into it?

I started working with Trace Tv in 2016, which was my first job and from there, things took off for me. I branched into these other things after I left Trace.

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

It’s been tough and terrible, to be honest. A lot of ups and downs. There are days when you look at other people making a ton of money and you’re like ‘yeah I want to do that’ but it’s all about growth.

Nobody started making a lot of money in one day. At the same time, I’m thankful to God for the opportunity to do what I love and make money from it.

What do you love most about what you do?

Being able to create and also have the sole creativity of what I do. Clients tell me what they expect when they give me scripts or gigs but I like that they trust me to add my creativity to it.

Getting recognized online for the work that I do is also a great feeling.

What’s the most challenging part of your job?

I will say Nigeria and the facilities. It’s annoying that things that should be easily accessible aren’t, like the light situation in the country. Prices of equipment in the country are unreasonably expensive.

Also, sometimes people can be annoying, especially when they don’t know what they want so I have to deal with a lot of back and forth with them.

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What’s your relationship with money like?

I don’t think I have the best relationship with money. Maybe I need to warm up to money more because we definitely break up and get back together every now and then.

I don’t really take to account how much I spend in a month. There’s always one expense that pops up every other day, then there’s the day-to-day expenses and buying things for myself when I need to. Also, being the first child in an African home means having to send money to family and all.

I definitely want to get better with money.

What’s your take on black tax?

Black tax is unfortunate because family expects that since you’re the breadwinner or first child it’s your responsibility to do these things. I think it gets annoying when you’re doing your best but they don’t see that. Everyone is just highly dependent on you.

When it’s a situation where they put all their resources together to get you through school, get you abroad, or get you a job they kind of expect financial support in return.

And as the one that’s responsible you do your best, you don’t forget where you came from but at the same time don’t let it stretch you too thin.

What are you currently saving up for and why?

I’m trying to save up to travel because I want to really travel and experience the world. Most times I save, but then things come up. You know you save for the rainy day and the next day it rains.

What’s your savings and investment habit like?

It’s not the best but I try. I use a couple of savings and investment apps which I end up breaking and taking the money for emergencies.

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

I bought a new microphone that I record voiceovers with. With that, I have been able to charge my clients more because when you invest in expensive equipment you can’t keep charging the same amount of money since the quality of work clearly improves.

How would you like to round off 2021? In terms of your finances?

I would really like to get things together because like I said before for the longest time, I was really bad at saving. Now I’m trying to have a steady income and have investments outside of my work.

I just hope it works out because hearing other people’s stories of investing and losing money can be scary. Then again, even if you leave the money in the bank, it still goes so why not.

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

The best tip is not to earn in naira because if you keep earning in naira it just keeps going down the drain.

Personally, I believe discipline is very key. Don’t let things enter your eye and just do your best to save for the things you want. I also had times when I tried to save but ended up spending the money, it happens. Having multiple streams of steady income also helps.

What has been your biggest win of 2021

I was able to save a considerable amount of money than I planned to and that felt good.

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

I would rather just be flying around, doing a travel blog, or food tasting at different restaurants around the world.

What’s your financial superpower?

I can manage 2k. When I’ve blown all my money, I can manage 2k for 20 days. Lol.

What’s something you wish you invented?

Tik Tok or mobile phones.

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
LifeStyle

How Much Do You Need To Enjoy This Weekend?

Weekends are for enjoyment but what happens when your account balance is empty and you have no money to flex?

our mouth is dry like sand in the desert

We asked Nigerians on our social media page, how much they need to see road for the weekend and thought we should share some of the comments here.

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1.

We are just trying to figure out why this isn’t a round figure. Lol. 470k or 500k?

2.

Omo times 1000. 50 million in naira or dollars? Either way, she deserves it!

4.

Hold on. It hasn’t gotten to that.

5.

Just to clear your mind? Must be nice

6.

E for energy! When you find it, don’t spend it all in one place 😉. Imagine how much returns you can earn by investing some of that 300,000 naira.

While you are imagining, get our beta app on Google Play store or via the web app.

7.

Two people walk to a suya spot, one person orders 5k suya, the other orders 50k suya. There are levels to this enjoyment.

Gbogbo wa la ma je breakfast

8.

It’s the accuracy for us.

9.

10.

Share this article and let us know in the comments how much you need to see road this weekend. You can read what financial advice Nigerians have for their younger selves here.

Categories
LifeStyle

What It’s Like Being a Medical Doctor in Nigeria

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

This week features Michelle who works as a medical doctor. She talks about why she got into medicine, the challenges she’s faced as a doctor in Nigeria, and how she manages her finances.

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

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How do you make money?

I work as a medical doctor at a government hospital and get paid from that and by doing some private practice.

So what’s a typical day at work like for you?

A typical day for me is seeing patients till 4pm. Sometimes, it exceeds that timing if I’m on call. After that, I grab some sweet ice cream at Coldstone to step down all the heat. My favorite thing to do is to hit a karaoke bar after a long day of work.

What is it like attending to patients?

Seeing patients get interesting by each patient actually. Different characters are everywhere but I enjoy doing what I do, so I have to cope and give the best care.

Did you always know you wanted to be a doctor?

Most certainly. When I was 12, I saw an accident, it was fatal leading to the loss of lives. All I just said to myself was “if I were a doctor right now, I might have been able to provide help and might have saved their lives”. So I took up the decision, and here I am saving lives.

That’s awe-inspiring. What do you love most about being a doctor?

The best part about my profession is service to humanity and basically saving lives.

What’s the biggest challenge you’ve faced working as a doctor in Nigeria?

Nigeria has too many limitations, from the lack of insurances to resources, infrastructures, and the low-paying system. It’s quite sad and gets frustrating when some people walk in and can’t get the full care they need.

That must be tough.

It is, but it doesn’t prevent me from granting care to my patients.

How do you spend money in a month?

In a month, I basically spend money on my groceries, fuel, and a little shopping too.

So, what’s your relationship with money like?

It’s pretty great, I save a much as I can. I’m not someone that likes to spend money anyhow but it always feels great to treat myself once in a while.

What about investments?

Honestly, I’m still trying to get a hang of investing but I’m currently looking to invest in cryptocurrency.

Is there anything you recently spent money on that has improved the quality of your life?

I recently bought some courses to help expand my trading knowledge.

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Tell me about your biggest win this year?

This year, I have had chances to work at various outreaches thus expanding my knowledge on various existing medical diseases.

That’s amazing. What’s something you wish you invented?

I wish I invented Medical Robot that is generally free, informs people about their health status & gives advice on the right measures towards excellent health.

What’s an annoying expense you wish you didn’t have to spend on?

Those unexpected emergencies that spring up on me randomly. They can be really annoying but well, I still have to handle them.

What’s your financial pet peeve?

I hate penny wise & pound foolish.

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
Features

Why People Don’t Like Talking About Money

We all have different reasons why we prefer not to talk about money. A lot of people see it as taboo, and some people don’t think it’s necessary. Others believe talking about money means telling everyone how much you earn, or spend which they consider showing off.

However, this is not always the case for everyone. We got some people to share their opinion on this topic and here’s what they had to say:

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Olamide

My partner and I have always talked about how much we earn. Pretty much from when we started dating, probably before. I also talk about it with some friends. But not much with family to avoid fostering a sense of entitlement. A lot of people I know are stuck with black tax and that’s something I would rather avoid.

People don’t talk enough about investments and debt leveraging and those are also very important.

Talking about money has helped my partner and I stay accountable and be responsible with our spending.

Ugo

I think having open conversations about money helps open up opportunities for others, especially when you’re giving relevant information that has to do with how they can improve their finances.

For me, my brother knows how much I earn due to the fact that I invest with him. Some of my close friends are also aware of my financial strength. I don’t have colleagues but I think talking about how much you earn with them will be a tricky conversation to have.

In my last relationship, my partner and I were very transparent about our finances and while some term it as ‘see finish’, it was beyond that for us.

Seun

Taboo ke? I like to talk about money o. Although, I don’t really think people should disclose how much they earn.

Binjo
I think it’s a human thing: if I tell people how much I earn or how much I’m worth, they start to have expectations of me and I don’t want to be bound by those expectations.

I do think that the important money conversations to have don’t need to be too exact. e.g if my close friend tells me how much they earn or they give me an estimate, I would like them to literally “show me the way” by guiding me through opportunities to earn better. The wahala here is again people will rely on others to drag them into that income bracket and it doesn’t work like that.

Other reasons people don’t like to talk about money

  1. Fear of being judged: No one enjoys being pitied because of their financial situation so they prefer to avoid conversations that reveal that side of their life.

    For instance, if someone gets invited to a party and can’t afford to show up, they will rather lie that they are too sick to make it than state the fact that they aren’t in a good space to afford to spend money.
  2. They grew up that way: A lot of people grow up with parents that don’t talk about money when the children are around. This affects their relationship with money and makes it difficult for them to have these conversations when they are older.

    It’s important for children to build a savings culture from their childhood and even learn about investing. Not everything is taught in school, so life would be a lot easier if we learned from family.
  3. People simply do not know how to talk about money: With all the financial terms and lingo that surround money, it’s easier to just avoid the topic altogether. People are worried about saying the wrong things and using the wrong words because no one has made personal finance easy to understand.

    If you feel this way about money, then it’s about time you followed us on InstagramTwitter, and Facebook, to learn about personal finance in a fun and relatable way.
  4. They are self-conscious about their money habits: No one is perfect, especially when it comes to money. We all have our red flags and are afraid to let them show, so we avoid doing anything about them or talking about money in general.

    Other times it’s really because you’re either doing well financially or not so good, so you think it’s better to be secretive about your finances.

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Benefits of talking about money

There’s a plus side to having conversations about money instead of being silent about it. Honestly, it’s a win-win situation for everyone who decides to be more involved in these conversations both for now and their financial future.

Here are some reasons why you should talk about money with people you trust.

  1. It helps you get your finances in shape.
  2. You get a broader perspective on pricing and negotiation, especially when it comes to salaries, rent, and purchases. This way, you don’t get cheated.
  3. It helps you and those around you actively work towards financial goals and achieve them.
  4. It can reduce the risk of financial infidelity between you and your partner.
  5. It kills the awkwardness that comes with having such conversations with family and friends.

How to have conversations about money

Just start: It’s so important to start having money conversations at whatever point you are in life.

Whether it’s talking to your parents, partner, friends, or colleagues you can learn more when you have conversations with people around you.

Join online conversations: Look to be a part of online conversations where people are talking about personal finance. Conversations about savings, investments, rent, emergency funds, career, money, and mental health, etc.

Social media is a powerful tool. You will never know what useful information you can gain from talking with people online that can help you make better money decisions. You can start with Clubhouse, Twitter, Instagram, or by simply listening to some fun podcasts about money.

Create money dates: A money date is relevant for you on a personal level and for your relationship.

Asides from other conversations you have with your partner, you can both schedule a day in your week or month to talk about your finances. Transparency in a relationship is so important, especially when it comes to money. It helps build a stronger connection. It also helps you tick off those difficult conversations about debt, joint accounts, financial goals, and a lot more.

Surround yourself with people you share similar values with: Check your friends and the people you hang out with, do you share the same values? It’s easier to talk about money with people that have similar goals to you. In terms of budgeting, planning for your future, educations, family, etc. When you’re surrounded by these people, you are able to bounce ideas with one another with ease.

It takes time and habit to open up about money but what matters is that you start. There’s so much we can learn from each other when we have these money conversations.

Are there other reasons why you don’t like to talk about money? Let’s talk about it in the comments.

Categories
Money Notes

Money Notes #14 – 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.

The Breakdown

The world of finance made simple and relatable

How mutual funds work

Are you really Nigerian if you didn’t grow up disappointed to find sewing supplies in a danish cookie tin?

Even after you moved past that disappointment, your 10-year-old self is now craving danish cookies but you can’t afford to buy the tin alone.

So, what do you do? You call 3 of your friends up so you can each contribute 500 naira to buy the 2,000 naira cookies at the nearest store and then share them together. It’s a win-win situation for you and everyone else.

That’s how mutual funds work. Wait, I’ll explain further. 

Just like sharing a box of cookies, mutual funds allow you and other investors to pool your money together and invest in a couple of funds so you don’t have to pay alone.

Danish cookies contain different types of cookie shapes with different tastes. The ingredients used in making the cookies are the stocks and bonds that make up a mutual fund.

Every investor gets a unit of the funds based on how much they invest and a fund manager helps to manage the funds so that everyone gets the best returns.

But just like how there are other brands of cookies other than danish cookies, there are also different types of mutual funds such as balanced, money market, equity, halal funds, and fixed income funds.

There’s a lot more to mutual funds and we can go on about it, but let’s know if you enjoyed this explanation and we can continue this another time.

If you’d like to start investing in mutual funds and other investment plans, send an email with your name, number, and the subject line ‘Sign me up!’  to social@haloasset.ng. 

For You

Fun, useful stuff you will absolutely love!

People are finding their birthday twins in the comments and if you’re lucky, yours just might send you money.

How this NFT art collector almost got scammed of $335,500 in cryptocurrency Ethereum.

Halo Feature: read how Ifeoma balances work as a creative director and growth lead.

If you’ve heard of meme stocks but still don’t know what it is, this article is for you.

We are loving the red flag Twitter trend, here’s our take.

Did you know that your childhood can play a role in your financial life today?

..

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

Balancing Work As A Creative Director And Growth Lead

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

This week features Ifeoma who works as a marketing & growth lead at a ecommerce startup and creative director of a fashion resale brand.

She talks about her experience working at a start-up, managing a brand with her sister, and how she’s able to avoid worrying about money.

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How do you make money?

I lead marketing and growth at Scrader, an e-commerce start-up. I also lead creative direction at Frugirls, a fashion resale brand co-owned by my sister, Onyeka, and I.

How did you get the job?

For Scrader, I was approached via email and was offered the role and I accepted it. And with Frugirls my sister and I came up with the idea of selling premium secondhand clothes for women and decided to run with it together.

What’s a typical day like for you?

I just wake up, work, and do other things in between until I’m tired.

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

It has been interesting because it’s my first time in that role and industry but the growth has been undeniable. However, it’s also been very challenging because nothing really prepares you to build a start-up in Nigeria but it’s calm and I’m good.

What do you love most about what you do?

I’m not sure yet, I’m not exactly a huge fan of work generally even though I do it well anyway.

How do you get clients?

In this case, our clients are users of our app so we get users the same way other start-ups do – product marketing, paying attention to users’ experience, engineering the app in such a way that makes it easy to use, content marketing, and so on.

Are there any tools or courses you have used to improve your skills at work?

There are courses available but what I don’t have for now is the time. It’s all very fast-paced and I mostly learn on the job or directly from others around me. I’ll still go on with organized learning when things are a bit more stable.

What’s the most challenging part of your job?

Every part. I legitimately do not know what I’m doing a lot of times but I’ve come to accept that that’s okay as long as I’m constantly finding ways to become better.

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What’s your relationship with money like?

We have an okay relationship. I’d like to have more money but it seems shy so I’ll just be patient and keep improving myself. It’ll come around, it always does.

Do you ever worry about money?

No, I don’t. As much as I always need to have money, I’m careful to not become obsessive about it. God always provides for me, whether it’s through my labour or by favour.

Ironically, I’m starting to see money as the lowest asset in my life so I’ve learned over time not to worry about it, even at times when I really really really need it. I just know I’ll never ever be stranded.

Run me through how you spend or allocate money in a month

I throw everything into my temporary savings first then calculate what I need for some bills like internet, food, etc…then I throw the rest into my permanent savings. I currently lead a super simple life so I make sure I don’t accumulate bills I’d struggle to keep up with.

What are you currently saving up for and why?

I’m saving for my birthday In November although I’m not yet sure what exactly I’ll use the money for.

What are your saving and investment habits like?

I’m not sure how to word this but if I were to rate myself over 10, I’d say 8.5 for savings and a weak 3 for investments.

What kind of investments are you into?

To be honest, I’m not a heavy investor yet because I’m currently at the stage where I make just about enough money to stay alive and can’t afford to take risks with my money yet but I do buy a little crypto here and there sometimes and also invest in some low-risk investment opportunities that pop up once in a while.

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

Semi permanent eyelashes. I don’t care what anyone says but those little things carry you from a 10 to a super 10.

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

I just really want to be alive. Nothing else matters to me right now.

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

Can’t give tips now because I myself am struggling to earn more. So when I get there, I’ll come back to share tips.

What has been your biggest win of 2021

Staying alive to answer these questions! I’m happy to be alive.

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

I’d probably go to school for a master’s and eventually, a PhD. I’ll eventually still do these anyway.

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

Depending on how much you earn, It’s possible to save up to 50% of your income and still be okay because there’s a budget version for everything. Like, every single thing.

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

Not sure anymore, I surprise myself these days.

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