How I Make Money As A Makeup Artist in Nigeria

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

This week features Nnenna, a professional makeup artist. She shares how she started and the challenges she faces running a business in Nigeria.

She talks about how she balances school and work, how she gets clients, and her plans to get into tech.


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


Tell me a little bit about yourself and what you do?

I’m a Geography student in my third year at the University of Lagos. I’m also a professional makeup artist. It took me a while to accept that. I learned from two people and it took a long time, 4 years of consistent work to get here.

Love it. Professional makeup artist.
How did you get into being a makeup artist? What sparked that interest?

In secondary school, I was never that into makeup, I didn’t understand why people would spend so much on makeup items like compact powder.

When I look at people’s faces, I try to figure out what makes them conventionally attractive. I’ve been doing this for a while and it made me notice people’s faces. The ones I find interesting, I try to look at what I like about the face and what I’ll change if I could.

It’s not like I want the person to change anything but I notice the little details.

Chemistry and physics weren’t my strong points in school. If they were, I’ll probably have gone into medicine or plastic surgery. I used to love watching those plastic surgery shows like Dr 90210 and Botched.

So the next best thing I could do was change these things with makeup. Oh, you want fuller lips? Outline the lips, You want a slimmer nose? Contour the nose, You want more defined cheekbones? contour the cheeks.

After secondary school, I told my mum I was interested in makeup, we talked to some people, made inquiries for makeup classes and my mum said 50k was too much.

A neighbor heard me talking about it and introduced me to his friend who’s a makeup artist and was willing to teach me for 30k. I got 100k from my dad, used 70k to buy makeup products, used 30k to pay the makeup artist.

She taught me in detail why you needed to do one thing to get X result. She shared a lot of Youtube makeup tutorials with me.

Did you immediately start making money from it when you started?

I didn’t start making money immediately. People will come to me to help them with little makeup touches. Back then, people didn’t really value or put a price on the service because they didn’t think of it as a business.

How were you able to monetize it then? And get people to pay what your work is worth? Also what year did you start making money from it?

I insisted that they must pay. Back then, I was charging 3k to 5k.

I wouldn’t even agree to just doing brows, you have to pay me to do a full makeup look. It took me a while to really figure out pricing and say no when I had to but I did it.

I wasn’t making a lot of money from makeup when I started, I just wanted to practice on myself, make videos and have fun with it. Plus, I didn’t feel like I was good at it yet. I focused on ushering jobs since I was getting paid more from that.

Last year was when I seriously focused on makeup and started making money from it. I had a client who really helped build my confidence in my work. She’ll call me like four times a month to get her makeup done.

I was constantly doing makeup for her and some repeat customers and I realized that the more I did it, the better I got.

Makeup is something I really enjoy, so I didn’t see it as a lot of work.

I started buying better products, watching more tutorials and my price had to go up as the quality of my work got better.

Then I went for an upgrade class in January and that was career-changing for me

Growth! What’s been your biggest gig so far that made you realize you are a professional makeup artist.

I don’t think the realization came after one job.

It was more of constant praise from family, love from Instagram, acknowledging how good I’ve gotten that made me realize I’m a pro at it.
My sister modeled for me on one of my videos and it blew up on Instagram. It got 163k views with 8k likes and it really shocked me that a lot of people liked my work.

Yes. I saw that video. It blew up.

I was so happy.

How do you get clients?

From returning customers and clients, getting referrals from friends. I also run promotions on Instagram.

I partnered with my friend who’s an influencer, I make her up for new content, she tags me and I get a free promo from that while she gets free makeup. I’m trying to expand to the Facebook market.

What’s the biggest challenge you face being a makeup artist in Nigeria?

The biggest challenge I’m facing rn is pricing. I charge 10k plus Uber fare charges because I don’t have a studio yet.

The uber fare makes my price high, so when some people want me to work for them and they hear my price, they just say they’ll get back to me but never do.

Sometimes I lose customers because of the price. If people don’t know you, you’ll have problems with pricing, except you want to undercharge clients.

But I’ll stick to the price for now and keep pushing it.


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So what’s your relationship with money like?

I think it has been terrible 😩It never stays for long in my account. I need to do couples therapy with money 😭

😂 This brings me to the question, do you save?

I try to, but things are always happening.

What’s that like?

Unsuccessful. I’ve started resisting the urge to buy all the products I want. That’s the major thing eating my money because I don’t even spend it on myself.

My makeup plug had a sale this weekend. I had to only buy the necessary things. It was hard, but I did it. Now I’m only buying the absolute necessary until I save up a certain amount, then I can do a mini splurge.

What about investing? Do you invest or have you ever invested

I’m investing in makeup products 😅

I keep saying I’ll start investing but I never do 😩 I have articles upon articles saved about investing. I’m just a lazy person tbh.

How do you manage to balance school and your work?

I swear, one always suffers. I don’t think I’ve been able to find that balance yet.

What are your plans for when you finish school?

I’m looking at a career in design. 🙃 I must chop tech money.
By hook or by crook 😩

I’ve got the makeup skills. I will do it until I find something more fulfilling. I don’t think I’ll ever stop doing makeup.

Get that money! That’s amazing. How would you like to round off the year in terms of your personal/financial goals?

This year has been weird tbh.
I’m really just happy to be alive and well and getting clients.

But then it’s not too late to set a goal. I mean the year hasn’t actually ended yet 🤔.

It won’t be bad to make a celebrity up before the year runs out. The exposure would be awesome

What’s something you bought this year that improved the quality of your life?

My phone, lighting equipment, and the upgrade class.

What’s your biggest fear about money

That’s it’s forever going to elude me. 😩

If you could change the price of one thing to 1000 naira, what would it be?

High-end foundations. They are so expensive.

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How To Have A Social Life And Still Save Money

No one likes to miss out on the big concerts and fun social events when it’s time to hang out with friends. But sometimes, your account balance won’t align with your social life and you’re forced to turn down invites.

It’s okay to say no to invites but how do you strike a balance with your financial and social life? Here are some fun ways to avoid FOMO, save money and never go broke.


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1. Handle Reservations

Maintaining friendships as an adult requires one to be intentional. You can schedule dates with your friends so that you have the opportunity to catch up with each other.

If your friends suggest an expensive restaurants, make sure you have enough time to plan ahead and have money budgeted for it.

It’s alright to politely decline when you can’t afford to go to expensive places. Search for other inexpensive spots to go to, so you don’t go broke.

2. Make Better Spending Decisions

If you want to save more money and maintain your social life, cut down on eating out.

Buying fresh food from the market and other ingredients from the supermarket helps you spend less and save more. You can buy your food in bulk for the week.

Meal prepping allows you have food to take to work or save time if you’re working from home.

3. Attend Concerts Frugally

Concert prices aren’t as affordable as you remember them. You might feel pressured to buy a 25,000 naira regular ticket to watch your favorite artiste perform during the holiday but is it really worth it if you haven’t even paid your bills yet? Check out 5 ways to have a budget-friendly holiday.

Figure out how you can make extra cash to cover the costs if you do decide to attend the concert, but also set your priorities right. Your friends aren’t going to have to deal with a power outage with you if you don’t take care of your bills.

You can attend concerts frugally by deciding how many you can afford to attend, splitting cab fares with friends, and having a meal before heading out or packing snacks along.


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4. Attend Free or Low Cost Events

There are still a lot of small events that you can attend for as low as 2,000 naira to 5,000 naira, or even for free. Search for fun events close to you that you and your squad can attend.

5. Do It Yourself

Learn to fix things that would normally cost you a ton of money by yourself. Google and YouTube are go to sources for DIY tutorials.

Be like Zuri from Smart Money Woman by identifying what’s draining your pocket. Cancel your gym membership if you don’t need or use it and start working out from home.

Instead of going to the salon for your manicures and pedicures, get you and your girlfriends to practice on each other.

6. Host a Games Night

The best way to save money is to have an indoor hang out. Plan a games night with your friends and get everyone to bring their own drinks and food. A potluck reduces cost on the host and makes the night fun as everyone shares the interesting meals they showed up with.

7. Opt for the Platter

The platter is usually more affordable than buying separate meals plus you and your friends get to try out different meals at the restaurant.

Opting for the platter allows you to split the cost with your friends and save money.

What other money saving saving hacks help you maintain your social life? Share in the comments.

Quizzes & Trivia

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6 Money Myths That Affect Women’s Pockets

You’ve probably heard all the myths related to women before. From there is no wage gap, to women don’t know how to manage money or women don’t ask for pay raises, and so on.

Let’s talk about some common myths about women and money that are false and might be costing you money.


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Myth #1: Women spend ridiculously

The media makes you believe that women spend all their money on clothes and ridiculous impulse purchases. Meanwhile, in reality, men are actually more likely to spend more on impulse purchases than women are.

As a woman, believing in such false information can do a number on your finances. You start to subconsciously tell yourself that ‘if people think I’m bad with money, I might as well give in to impulsive purchases more often’. It’s time you ignore the myth and stay focused on spending wisely. You are doing amazing already.

Women are interested in planning for their future and work hard to ensure that they have enough. In most houses, you’ll find that women handle the finances of the family. This shows that women are responsible and great decision-makers.

Myth #2: Women can’t make big purchases alone

When it comes to renting a house in Nigeria, one thing that has limited women – especially single women from buying houses on their own are landlords.

It’s not that women can’t afford to make big purchases like buying a house or that they don’t know how to go about it, but landlords are constantly turning down rent applications from women.

In Nigeria, women have to go as far as lying about their marital status or allowing their boyfriend to sign the documents in order to rent a house.

The chances of you getting your dream house and working with a reasonable landlord or agent are slim. However, women’s quest to own their own houses proves how independent they are and that they are on a mission to build wealth.

Other big purchases women aren’t waiting around for men to do are buying a car, going on a vacation, etc.

Myth 3: Women are terrible with money

This myth probably started out from ‘women are bad at maths‘. In school, young girls were made to believe that they were no good at maths as opposed to their male counterparts.

This indirectly puts a limit on what you believe you are able to do and as you grow older you let those stereotypes potentially affect your career decisions and financial life.

The confidence gap has played a major role in affecting how women make financial decisions. Also, women earn less than men.

Women are actually more knowledgeable about finances than they give themselves credit for.

Today, we can see more women taking on careers in tech and finance, asking for better pay and slowly getting what they ask for, and making better decisions for their financial lives.


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Myth #4: Women don’t know how to save or invest

‘Women don’t save enough’ sits right next to the myth ‘women don’t know how to save or invest.

Women are more risk-averse than men, so they are less likely to take big investment risks. But when you take a look at whose stocks perform better, it’s women. Women tend to outperform men because; they trade less, they are less impulsive investors than men, and they are more disciplined and consistent at saving and investing.

Women are very interested in their financial lives and that includes saving and investing for their future.

Myth #5: Women-led businesses aren’t as profitable as those run by men

Whoever started this myth had the wrong idea because studies say otherwise: women-led businesses are in fact more profitable than those with men in charge.

If women are given the opportunity to take on C-suite positions and other leadership roles at work, more companies are likely to perform better.

Myth #6: Women don’t care to learn about money

Today, there are more books for women, written by women that focus on the importance of women building wealth. This just proves that women take their money seriously and are indeed financially savvy.

What other myths about women and money have you heard before? Share in the comments. If you enjoyed reading this, then you should take a look at other articles here.

Money Notes

Money Notes #19 – The Bi-Weekly Newsletter from Halo Invest

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

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Knowledge you can use

How to spend your money with zero guilt

Being an adult means that you can choose to have a bowl of ice cream at any time of the day without feeling guilty. But it also means you’re responsible for your actions and the consequences – dealing with a tummy ache after indulging. 

In the same way, you might feel guilty about treating yourself to new shoes while you’re saving up for rent because you don’t want your landlord to chase you out. This is why you need to include some guilt-free spending in your budget.

Guilt-free spending allows you to spend money on things that make you happy without affecting other bills. It’s enjoying the moment while having plans for the future, because who says you can’t do both?.

Here’s how to live with a guilt-free spending budget:

  1. Try the 50/30/20 budget rule: If you haven’t figured out a budget that works for you, then you can start with this rule. 50% of your money is for your needs, 20% is for savings and investments and 30% is for enjoyment.
  2. Make sure you’re saving up for the item you want ahead of time: Saving with a goal in mind will help you put more value on that item just as you do for your other important saving goals. Plus, it also gives you time to decide if you really need to make that purchase or not.

    If you’re saving up for a solo weekend trip because you need a change of environment, tag your enjoyment fund as ‘solo trip’.
  3. Cut down unnecessary spending: Take note of your day-to-day expenses and cross out those items you spend money on that you can easily live without. This way, you can spend on things you actually love.
  4. The 24 hours rule: If you come across an item that you want because it’s 30% off, don’t be in a rush to place your order. Give it another 24 hours while you think through whether or not you should get it. In the end, you might realize that it’s not a must-have.

    The holidays are here, so as much as you want to do some guilt-free spending, don’t do it all at once. 
  5. Whatever you do, don’t use your emergency funds for guilt-free shopping: Dipping into your emergency fund to cover a guilt-free expense is a bad idea. Avoid taking that route just because you want to treat yourself as it can make you fall behind on your financial obligations. It’s always better to save up for the item than take such a risk. 

For You

Fun, useful stuff you will absolutely love!

Read how this young entrepreneur started her bag business in 2018.

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This relatable meme on how you probably react when money leaves your bank account.


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How This Entrepreneur Started A Successful Bag Business in 2018

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

This week features Aisha, an entrepreneur who owns a lifestyle brand focused on bag production.

She talks about how she started her business in 2018 with just 14,000 naira, dealing with copycats and investing in her business.

She also talks about her saving habits, plans to release a new collection next year, and what she loves about her brand.


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


Tell me about yourself and what you do?

I’m an entrepreneur. I own 2 brands HVMAIRAH which consists of and Mairachamp beauty and I also cook, hence the second brand @thefoodcrux_.

For now, I’m really focused on Mairachamp and it’s a lifestyle brand currently focused on bag production – beaded and non-beaded bags but it’s majorly known for the beaded bags.

Love it. You’ve got so much going on for you. How did you start Mairachamp?

Mairachamp started in August 2018. I was pretty low on cash but I wanted to have my own brand.

Mairachamp was coined from my name Humairah (Maira) meaning one that blushes(smile) and champion (champ). I just wanted a name others wouldn’t be able to use.

I love your brand name. It is so creative.

Thank you so much. So, I started the brand in 2018 with 14,000 naira. I was selling just scarves back then but I wanted to try something else. Since I didn’t have capital, I decided to preorder for ready-made gowns and Abaya and surprisingly I got people paying (Abuad students). This made me a substantial amount to buy more material for making scarves.

Fast forward to 2019, my department wanted to do their departmental week activities. The theme for the picnic/party was denim and fanny packs. I planned on buying and reselling fanny packs but I decided to make and sell them. That was was when I ventured into fanny pack production and it helped the brand name.

After that, I decided to try actual handbags. I invested and made some bags and people were buying, so the business was moving.

In 2020, I started doing so many things and having several ideas. My friend was like “Aisha, why not try beaded bags?”.

I just told her it’s not trendy anymore, so she introduced me to her aunt who is now my staff (surprisingly). Then, I started learning some techniques and getting orders but I had to go back to school. They were receiving orders, producing, and dispatching.

I started creating new styles and from there the brand started gaining more recognition beyond Afe Babalola University. Everything just became something special for me this year and I’m grateful to the Almighty for that.

Your brand has gone through several evolutions. That’s amazing.

What is running a brand in Nigeria like for you?

It’s not bad but it can be toxic and discouraging at times.

For a creative like me, spending time and designing some bags and then seeing people lifting the designs without credit can be disappointing.

It’s okay to get ideas and inspiration from a brand but copying it exactly is somehow. It kind of kills my motivation because if I put a bag out there, people are going to steal the design.

I am releasing a new collection soon, and while most brands drop at least a snippet from their unreleased collection, I can’t. Even before the collection is out, they would have recreated and started selling the designs.

That’s the challenge, other brands lift designs unapologetically, they don’t care and I feel it’s because they don’t respect boundaries in this country that’s just how I feel though.

Apart from that, it’s not bad. Nigerians have started appreciating creatives and art. This has really contributed to the growth of the business.

Oh wow. But that proves that you’re a trendsetter. Your business has an influence on their work.

Yes, I got to realize that so I’ve accepted it that way. But it’s challenging when I choose to buy a pack of beads to try a new design and can’t make more of it when customers love it because the bead is sold out.

It’s usually because other beaders already bought the bead to make the exact design. So, in the end, I won’t make anything from some designs.

That’s sad. I’m really sorry. Apart from customers, what other ways do you make money through your business?

My customers are the ones I still make money from. I’ve also hosted my first beading class and training in the workshop.

I have a boutique in Sango Ota, Ogun state. That’s where my workshop is for now and that’s my home town so I had to start there first. I also stock with a retail boutique in Lagos.

That’s really cool. Did you ever think your brand would get the recognition it has gained so far?

I’ve always dreamed big even before I started this business. This was in 2019.

Look how far you’ve come! What do you love most about what you do?

I love the compliments and the privilege the brand has given me. I mean there are people including celebrities who wouldn’t talk to Aishat but are always eager to reply to Mairachamp.

Also, the fact that I wanted something different when it comes to fashion, I didn’t want the regular square leather bags. I wanted a bag that speaks for itself. And I’m glad people are appreciating them.


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You really did a thing with your brand! So let’s talk money. What’s your relationship with money like?

I’m confident about financial matters and I’m always willing to take risks. I think that was what helped me because I can put any amount into a business and just hope for the best while I work hard. I believe we spend to make more.

At first, I wasn’t really making a lot of sales but I was still happy because it was solving what I wanted to solve. I was also happy to see people wearing my brand.

I believe that if one is often afraid of running out of money and failing in financial ventures, they can become less confident. It all comes down to my own internal resources and ability to manage what comes my way.

Financial wellness is important for everyone. I feel comfortable having money. Tbh, I’m still poor in handling money but I got better this year, I’m not always scared to spend but at times I have this pre and post-spending depression. Lol. But I’m learning financial discipline.

That’s really good. That you’re better at handling money. Do you save often?

Yes, I do. I save when I have excess but most times I still try to put most of the money back into the business.

Investing in the business 🙌🏽 Do you invest in anything else?

Right now I don’t have any apart from my business.

I’m really trying to learn something else apart from my business. I will probably get a diploma in a tech-related course and also learn how to trade.

That’s interesting. What’s something you’ve spent money on recently that improved the quality of your life?

I think my fitness club. 

How would you like to round off 2021 in terms of your personal or financial goals?

I would probably release a new design just to prepare everyone for the collection dropping next year.

I want to make more sales and hopefully sell out all the old designs in the store. Reach 10k followers and more on the brand page.
Personally, I want to go on a vacation.

What advice would you give to entrepreneurs trying to carve a niche for themselves in the fashion/creative industry?

Consistency is key and collaboration is healthy. Lastly, you have to spend money to make money.

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

Gold and diamonds 🤣🤣

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

In 2019, I read the first smart money woman, that was when I started following the 50/30/20 rule of saving.

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How Nigeria’s Biggest Food Critic Went From Making 50k To Earning 9 Figures

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

This week features Opeyemi, a food critic, food consultant and brand strategist. He talks about his journey to becoming the biggest food critic in Nigeria, his experiences with restaurants and how he makes money doing what he loves.

He also talks about his relationship with money – the good and bad, almost losing money to bitcoin and his thoughts on 15k dates.


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Tell me a little bit about yourself and what you do?

I’m a food critic, I review restaurants. Basically I’m someone who likes to eat and talk about his experience. On the side, I consult for restaurants and food vendors.

What’s the story? How did you become a food critic?

There isn’t one story to it but my family travels a lot and it’s always food trips. Food has always been a core part of my life since childhood. I’ve been going to restaurants from a very young age.

I’m that guy that just documents stuff and happens to blow up.

I always say it like it is, if a restaurant is great, I’ll recommend it. If it isn’t, I’ll advise people not to go there. A lot of people won’t call big brands outs but I’m not afraid to do it.

How do you critique a place based on the food, ambiance, and everything else?

To be a food critic, one must actually study and know a lot about food. Eating is just like 10% of the work.

Almost everyday, I’m studying food, hanging around chefs to learn and educate myself. Also, I’ve eaten around a lot so it’s easy to compare. Even if you’re not a food expert, if you’ve eaten jollof rice in 50 places, you kind of know what it should taste like. So there’s the experience part too.

Me, being me, I’ve eaten all kinds of food that some don’t move me.

So I have 3 or 4 tasters behind the camera that I take with me to visit restaurants. There are things I like that they might not like and vice versa so they give me a sense of certain meals. I’ll give a good review if my tasters say a meal is great but I don’t think it is because in the end, taste differs.

God when will I become one of these food tasters. Lol. So would you say it pays the bills?

Being a food critic doesn’t pay the bills per se but the consultancy part does. I began doing this officially in 2014 and got my first offer in December 2019. It was 30,000 naira.

It requires patience to get into this. I had no idea influencing was a thing and there was money in it, I was just doing what I love.

Then someone reached out to me that they are opening a restaurant and they’ll like to have me show up. I wasn’t planning to ask for money but they asked me how much I charge and I told them I will speak to my manager. Of course, I didn’t have a manager, I came back with my price and they said they’ll get back to me. They said 30k was too much and didn’t get back to me. 

So I started in 2014, but I didn’t get my first “can we send you food to review” for free and first offer to pay me until 2019.

8 out of 10 restaurants I go to, I pay with my money as opposed to collecting free food.

I traveled a lot this year and visited different restaurants and none of it was sponsored. It’s fun but you spend a lot and sacrifice a lot. 

Can you share how much your first pay was and how much you charge now?

The first official advert I got was Maggi. It was during Christmas in 2019 and I was sent something to post.

I charged them 50,000 naira and then a friend of mine that works with Maggi called me and said ‘you’re an idiot’. Apparently they had a budget of 250,000 naira and they might have paid if I asked for 300,000 naira. 

I had no idea because I wasn’t doing it for the money, that wasn’t the goal. I had a job in advertising that was paying well, so it wasn’t a big deal.

That was my first pay as a food critic and I’m not going to lie, I did ‘dorime’ with the money. 

I quit my job about 3/4 months ago, so this is my full-time job now. 

Now, I charge based on the task. There’s no one size fits all but there’s no price for saying your food is good. Many brands have reached out to me and sent me products that weren’t great. It’s either I won’t post or I’ll just send it back to them.  Sometimes, i post and just don’t say anything about the product.

I don’t charge anything less than 6 figures. That could be 100k or 900k. 

Make that money! What’s the worst experience you’ve ever had with restaurants? 

Before going to restaurants, I always research the restaurant. Only a few places that I go spontaneously without knowing anything. I have food tasters and followers who recommend spots to me too. So I won’t say I’ve had a bad experience at a restaurant.

Most of my bad experiences are from when I post bad reviews of a restaurant and they threaten or insult me, but to me it’s a cruise.

I call myself restaurant famous because outside a restaurant, I’m regular but restaurants in Nigeria know who I am so they are always on their toes once I enter their spaces. Even if they don’t like my guts and they hate me, they can’t be rude to me because they know if they do anyhow, I’ll take out my phone.

I’ve had not-so-great experiences with overpriced foods that are subpar, like basic burgers that cost 13k and aren’t even worth that amount.

The funniest one was when I ordered a paella at a restaurant in Ikeja and they served me seafood fried rice. A paella is like Spanish seafood rice and it was like asking for jollof rice and they serve you concoction rice. Lol.

I saw your tweet about knowing you’ve blown as a food critic once a restaurant gets a lot of attention because of your good review, would you say you’ve achieved that so far?

Every review I’ve done so far has sold out. I did a review a couple of weeks back and ordered 8,000 naira buffet with champagne and wine. I had followers that went there and they called to tell me that the place was so full that nobody could enter again. 

Recently, I did a review of an Abuja restaurant on a Chinese soup. The owner called me to tell me that most of the orders they got that day was the soup I reviewed.

How were you balancing your 9 to 5 with being a food critic and consultant?

I always got to manage food accounts while I was working in advertising as a brand and content strategist. So when I quit it was basically me just doing my 9 to 5 without an office – creating campaign and content for the brands. I make sure brands get value for their money and I love getting feedback from them.

What are your thoughts on affordable dates, the whole 15k dates idea?

Personally, on a first date, I usually budget between 30k to 40k. We might spend less but the maximum is 40k.

At Eric Kayser, you can spend 100k or 20k for two people, if you want to. If you like the person, the amount you spend shouldn’t be a big deal.


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What’s your relationship with money like?

It’s good and bad. Good in the sense that I save a lot. Forget what you see on Instagram, I save a lot because I get very paranoid.

Right now, I’ll say I’m doing pretty well with my career and it scares me because I wonder if I’ll still be hot next year or in the next 5 years. 

The bad part is that I don’t know how to invest and I don’t want to invest in something I don’t know. 

Earlier this year, I wanted to invest in bitcoin, and two weeks before I wanted to invest, I was still speculating and trying to decide on whether or not to go ahead with it. Two weeks later, bitcoin dipped.

I was willing to invest 7 figures into bitcoin, so if I had gone ahead with it and if I had lost all that money, what would I have done.

Personally, I want to invest in something I’m sure about so I’m willing to take that risk and not be feel bad about losing money to it.

Asides from food, what do you spend money on most of the time, asides from food?

I spend most of my money on traveling because I go to a new state every month. Then in Lagos, it’s mostly food, uber fares, and work-related stuff. I have two accounts – don’t touch account and that’s where 70% for my savings go and then 30% goes to my regular account which I spend money from. 

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

I stopped traveling by bus and began entering planes. Usually, I use GIGM which is really comfortable but when I went to Port Harcourt and spent 12 hours on road, I just decided taking a plane is a lot better. 

I also changed my phone and my laptop because of work. Almost everything I spend on is for comfort. 

That’s really cool. Comfort is key. In terms of your personal and financial goals, how would you like to round off 2021?

2021 definitely could have been a lot better but I got to hit my financial goal for the year in July.

In my line of work, to make money, you have to spend a lot of money. There’s a high chance it might not work out but you have to be prepared to put in the work.

What financial advice do you have for people who want to be food critics and are trying to stand out?

First advice I’ll give is that when creating content, don’t create with brands in mind. Be honest about your reviews about brands without worrying about whether or not they’ll want to work with you in the future. Create your content with your followers and community in mind. That’s what brands care about.

Also, being a food critic isn’t about snapping pictures and going to restaurants. You need to know about food. Educate yourself, be friends with chefs, bartendars, and farmers. Learn everything you can about food.

What’s the most useless thing you’ve ever spent money on?

My airpods pro. Lol. It’s a good product but I didn’t need it.

I also have a lot of spices in my kitchen that I don’t use but I just like seeing them. I love cooking but I don’t cook as much anymore because people send me food and I go to restaurants a lot more.

The spices aren’t useless, but I don’t use them and they’ll eventually expire.

What’s a financial red flag you look out for in people?

Someone who makes me pay on a date or those that are always borrowing or expecting me to pay the bill. I roll with people that are like me, so I don’t really have those kind of people in my life.

If you’re not pulling your weight financially, that’s a red flag.

That’s interesting. Do you have anything else to add?

This is for content creators, try not to overthink it when creating your content. It’s not that deep.

You’re definitely the minister of enjoyment in Nigeria.

Are you looking at your career as a food critic on an international level?

I have zero plans to conquer the world because most countries already have their food critics.

My focus is Nigeria, then West Africa and the whole of Africa. When investors are looking to invest in the food space, I want my name to be the first name to be called when talking about food critics in Africa.

In Nigeria, If we are talking about people doing it in the food space, I’ll be in the top 10 which is great.

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


10 Easy Ways to Teach Your Child About Money

What is your earliest ever memory of money? For a lot of us, we had our first basic knowledge of money as children when our parents took us to parties and we would get sprayed money.

For others, you remember those uncles and aunties that came visiting the house and gave you freshly minted 20 naira notes for biscuits and sweets. Eventually, the money always ended up in our mothers’ hands, never to be seen again.

As children, not a lot of us were familiar with how money works, the importance of saving, making money, and how to spend it appropriately.

This information would have helped shape up our financial lives as adults but it’s not too late to apply it when teaching children about money today. Here’s how to teach your child about money.


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1. Teach them the basics

If you want your children to get a hang of money, you need to start them young. Age 3 is an appropriate time to teach them delayed gratification.

If they want a sweet, tell them they can have one sweet now or they can wait ten minutes and get two sweets instead. With some encouragement from you, this would teach your child how to be patient.

It’s also important to communicate with your child that in order to get things you give money in exchange for the goods. This way they can learn that nothing comes free.

To test their patience, you can try the fruit snack challenge that went viral during the lockdown.

2. Practice saving money with them

If your child still puts just about anything in their mouth, then they aren’t ready to handle money yet. Age 5 is a good time to teach them how to save.

Children are more aware of the idea of spending than saving, so it’s important they learn that money has other functions.

You can give your child a jar to save in and have yourself a jar as well so that they can watch you save too. This is a way to encourage them to become fond of saving and also helps you bond with them.

If your 6-year-old wants a toy for Christmas, get him/her to start saving towards it. You can choose to meet them in the middle by adding the money up to get the toy.

3. Let them earn money

When your children get introduced to the ways they can earn money at a young age, it helps them prepare when entering the real world.

You can start by paying them to do some chores outside of their regular chores like washing the car, taking out the trash, or anything else you can think of.

Try to avoid it from turning into a reward system in which they believe they should get paid for any and every task they do. The key thing is for them to learn how to handle the money they earn.

As they get older, they can start to learn how to make money doing things they love like writing, drawing, etc.

4. Provide an allowance that teaches them to spend wisely

If you want your children to learn how to make smart spending decisions, then start by giving them an allowance for school by age 6.

Children like to spend money on sweets and biscuits but as your child begins to understand that they can use the money for other things like buying a storybook, you can help them save towards that goal.

Let your child decide what’s more important between the storybook and the sweets or how they can buy the sweet and still save up some money towards the storybook.

You can start teaching your child how to budget once they are able to grasp it. Start by making a list of their wants and needs, deciding what is more important, and allocating how much they have to be able to get those things they need.

Accountability is also very important. Teach your child to record what they spent money on so they are aware of what their money goes into.

5. Teach them the importance of giving

It’s never too early for your child to learn the secret of giving. Teach them to give to charity and let them be aware of the ways you give back to your society.

They can learn to give to their siblings but they should also learn when to say no to people when necessary.

Knowing when to say no helps them avoid letting people become financial burdens in their lives when they are adults.


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6. Have them handle small sums

Let them practice handling small sums of money when you’re out together. You can get your child to count the money before you pay the cashier at the supermarket.

They can also learn to go to the store near the house to buy basic needs with money. This way they get familiar with how exchange works, calculating, and the cost of goods.

Doing this by age 8 helps them become aware that money isn’t just for spending on fun things but for taking care of bills, food, and other essentials.

By age 12, they can learn the power of negotiation. Being a Nigerian means you need to know how to price things when shopping at the market so you don’t get cheated. Let them watch how you do it.

Teach them how to spot quality or when to go cheap so they don’t end up wasting good money when they are older.

7. Be practical when teaching them how their money can grow

At age 13, you want to start having conversations about how their money can grow. Teach the power of investing, how stocks work, and other financial concepts.

If you don’t know much about investing, then you can learn too.

Gifting them simple books that give financial advice such as The Richest Man in Babylon is a great way to start.

Financial lessons are important. Discuss what you learned or wish you learned about money when you were younger, so they can learn.

8. Practice the financial habits you preach to your child

Children imitate what they see. Make sure what you’re teaching them reflects in your actions and how you relate with money.

Don’t live above your means and don’t be secretive about money. You might want to protect your child from the harsh realities of life but remember that children notice things and don’t forget easily.

Make sure that you aren’t living in debt in order to give them the life they want. Avoid impulse buying or paying bills late.

If you are not answering their questions, chances are that they’ll get their answers elsewhere or figure it out as they grow.

Save with your children, do house chores with them. You can’t be perfect but as their parent, you can be the role model they look up to.
Practice what you preach and preach with consistency.

9. Teach them to be satisfied with what they have

Being content with what they have teaches your child to not feel entitled to things. If your child has a PS4 but wants a PS5 because their friend’s parents got them one, you need to teach your child to be satisfied with what is available.

Teach them not to compare their situation with others. It’s not always about being able to afford things but about not allowing peer pressure or trends to influence their financial decisions.

10. Teach them the magic of compound interest

Consider teaching your teenager about compound interest. Warren Buffet started investing and grasped the power of compound interest by age 10.

Making compound interest your child’s best friend at a young age allows them to stay ahead of their peers when they are older.

You can try these creative ways to teach your child about growing money using compound interest.

Did you find this helpful? Let us know what ways you plan to teach your child about money in the comments.

Money Notes

Money Notes #18 – 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.

These 20 things should probably be in your budget.

How this product manager transitioned from customer experience.

If this tweet doesn’t make you laugh, we don’t know what will.

A recap from our Clubhouse table talk

We held the fourth edition of our Clubhouse event last Wednesday, October 27 and it was amazing!

It was a huge success thanks to our guest speakers and everyone that showed up and shared their personal experiences and opinions on the topic – Parental influence on our adult financial lives.

We got our guests and listeners to share how they got introduced to money, how their relationship with money has evolved over the years and the impact their parents made on their financial lives as adults today.

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.


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