₦airaland Forum

Sonofgod1990:
There was a time I nearly chop dis woman

for dream?
which dimension of dream world were u?

femi4:
Nigerian universities over to you

Hope you ve stopped teaching pascal, fortran & qbasic

Hope you ve stopped using wooden drawing board n T square for tech drawing

dem d fear u?

wooden wooden all d way
u go construct tire

femi4:
Nigerian universities over to you

Hope you ve stopped teaching pascal, fortran & qbasic

Hope you ve stopped using wooden drawing board n T square for tech drawing

dem d fear u?
dem must still teach u extinct programming languages

milann:
but they rule

brain d pain u?

AntiChristian:
She didn't cut out her Bobs away or has Jesus replaced the twin bobs too?

Anyone could achieve this without necessarily involving Jesus! And many have! The transgender illness is curable through therapy, conditioning and environmental changes.

says ur quran abi the moon?

wey dem for first cover am slap make him comot that camo cap

Wizardslayer:
I personally warned people in 2014 that the coming buhari and APC will bring doom and calamity in the land, but they were too blind to see and understand.

Look at where we're today.
A liter of fuel is now #1400
A kg of cooking gas now #2000
A bag of rice now #80000 to #100000
A dollar to a naira now #1700
APC are impoverishing Nigeria in their million daily.
Terrorists and bandits has taken over south west.
Nigerians are now too weak and hungry to embark on any meaningful protest.

how is dollar 1700, abi na for ur village?

Dalohad:
So, if you donate last year, and you fall sick today, dem suppose keep the blood wey you donate last year till you fall sick, come transfuse am give you?

Which kain human being dey Nigeria sef? This must be a mad joke.

u no see say wetin i write imply say same day?
which kind people wey no dey comprehend full Nigeria?

if u like go donate blood.
u go donate blood today, if u sick the same today, that very same blood wey u donate, d hospital go say u must buy am back

Flame333:
The only work of our former president is reignite quenched flame just to stay relevant

Super tired bro

he was never president
he was military head of state
president na only during democratic rule

johncreek:
Is that your yansh?
Who took the pics for you?

na him nyash o

Kingsley O.

Wetin be d "O"?

Abeg make una helep me with answer ooooooh!

meobizy:
After a break up? You’re already a used good. Na to focus on living a lonely life till death. No difference between you and person wey carry disease.

Why u wicked like this?

WhiteIverson:
Net worth more than 20× Nigeria's budget
South Africans go dey claim this guy as their own

when him don reject dem

God1000 will not come and sympathize with Ukraine now oh

Oya wear hijab make we rest
attention seeker

Ifeoluwadev:
Before anybody calls me a liar or a complainer, sit down and read this first. Because I have numbers. And numbers don't lie.

In 2019, I was earning ₦150,000 per month. Junior staff. I was not rich at all. But I was comfortable. I could breathe.

Today in 2026, I earn ₦500,000 per month. On paper that is more than 3x growth. I should be living large. I should have savings. I should be talking about investments by now.

Instead I am broke before the 25th of every month.

Let me show you exactly why.


THE NAIRA ITSELF
In 2019, one dollar was roughly ₦360.
Today in 2026, one dollar is over ₦1,500.

The naira has lost about 75% of its value against the dollar in 7 years. So anything imported, whether electronics, medicine, baby products or even some food, now costs 4 times what it used to.

My ₦500k today equals roughly $333.
My ₦150k in 2019 was worth roughly $416.

Read that again.

I earn more naira but fewer dollars. In real purchasing power I have gone backwards even though my salary tripled on paper.


FOOD

In 2019, I fed myself comfortably for around ₦30,000 per month. Decent food, market twice a week, occasionally a small restaurant.

Today that same lifestyle costs me at least ₦120,000 and that is me managing carefully.

| Item | 2019 | 2026 |
|---|---|---|
| Bag of rice (50kg) | ₦18,000 | ₦85,000+ |
| Cooking gas (12.5kg) | ₦3,500 | ₦18,000+ |
| Groundnut oil (4 litres) | ₦2,800 | ₦12,000+ |
| Tomatoes (paint bucket) | ₦800 | ₦5,000+ |
| Full chicken | ₦2,500 | ₦10,000+ |
| Big loaf of bread | ₦350 | ₦1,500+ |

My food budget went up by 400%. My salary went up by 233%. The food is winning.



RENT

In 2019, I paid ₦350,000 per year for a decent one bedroom in a Lagos suburb. That is about ₦29,000 per month if you break it down.

Today that same apartment, same area, same size, same leaking ceiling, is ₦1.2 million per year. That is ₦100,000 per month equivalent.

I now spend 20% of my gross salary on rent alone. And landlords still want one to two years upfront. So every renewal season I need to drop over ₦1 million at once like I am buying land.



ELECTRICITY AND GENERATOR
In 2019, NEPA was bad but manageable. Fuel was ₦145 per litre. My monthly gen fuel was around ₦8,000.

Today petrol is close to ₦1,500 per litre. My monthly generator fuel alone is ₦45,000. And NEPA is still giving me the same 4 hours they gave me in 2019. Nothing changed on their side except the bills went up.


TRANSPORT

Bus from my estate to office in 2019 was ₦150 each way. That is ₦300 per day, about ₦6,600 per month.

Same route today is ₦700 minimum each way. ₦1,400 per day. Nearly ₦31,000 per month.

Ride hailing? Multiply that by three. I now spend between ₦30,000 and ₦50,000 every month just moving my body from home to work and back.



SO WHERE DOES THE ₦500K GO?

| Expense | Monthly |
|---|---|
| Rent (broken down monthly) | ₦100,000 |
| Food and groceries | ₦120,000 |
| Generator fuel | ₦45,000 |
| Transport | ₦35,000 |
| NEPA bill | ₦18,000 |
| Airtime and data | ₦12,000 |
| Toiletries and misc | ₦20,000 |
| Tithe | ₦25,000 |
| **Total** | **₦375,000+** |

That leaves me ₦125,000 for savings, emergencies, hospital, clothes, sending money home, school fees if you have children, and anything unexpected.

In 2019 on ₦150,000, my total expenses were under ₦90,000 and I had ₦60,000 left. That leftover was worth $167 at the time. My ₦125,000 leftover today is worth $83.

I saved more real money when I earned less. That is not a feeling. That is arithmetic.



THE PART NOBODY TALKS ABOUT
Beyond the numbers, what has changed is how money feels.

In 2019, seeing ₦100,000 in my account felt like safety. Like I had options. Like I could breathe easy.

Today I see ₦500,000 land on payday and my first feeling is anxiety, not happiness. Because I immediately start calculating what is owed, what is running out, what will still not be enough.

That shift from feeling okay to feeling like you are always one emergency away from trouble, even as your salary grows, is what this economy has quietly done to the Nigerian middle class.

We are not imagining things. We are not lazy. We are not bad at managing money. We are just running on a treadmill that keeps speeding up.



MY QUESTION TO NAIRALANDERS:
What was your salary in 2019 and what is it today? Are you genuinely better off or are you like me, earning more and living less?

Drop your numbers in the comments. No judgement for anybody. Let us count together.

20% of your income on rent and u dey complain
ideally person suppose not spend more than 30% on rent
10 to 15% on all car related expenses
stop wailing

Rutherford2019:
Is your name Chike?
I'm sorry for using it
It's just for reference purposes

To be Frank, my name is not Chike.

haconjy:
This is good sha but I still hate him.....

hate him or love him
na him follow d drive our economy

haters with their bitter hearts will soon flock here to do what they know how to do best
by d time wey Dangote refinery go start their IPO him wealth go triple
then by the time dem finish that pipeline from Nigeria to Europe, e go triple again

Gotocourt:
She sells flavoured ice Primary/Secondary School. My girlfriend gets 10K to 15K, the thing dey make our love grow and strong. Nothing like urgent 2K

ice candy

GOSPELTRUTH31:
yes
you can sell your Blood!
a pant is sold for 45k

omo even to sell blood, person need plug o!
e no that easy

bluefilm:
If you are in the sure odds business, you don't even need to sell a product to be making 5K or more daily

how d sure odds biz dey?

Wordsfrombimpe:
Thank you 😊 and appreciate the compliment

Baby Bimpe, what's up with our date?

Easyincome24:
So you are waiting for Regina Daniels and Co after being leftovers. Funny you.

they are to be for entertainment purpose only

GOFRONT:
Wow......See sweet Milf.

When will Regina celebrate hers this way??

We have been patiently waiting for her to be returned back to street for those of us that are interested in having a taste of her cutie pot

chop knuckle

Negroid001:
Fastest goal ever scored by Hakan Şükür. 11 seconds.

I remember that day pa. I was around 5,6 ish. Dad told me to go get squadron for him downstairs, before i come back, goal don enter, i ask how.

ur papa na man wey dey anchor?

geoworldedu:
Ronaldo will become the oldest to score a goal in the world cup in 2030.

If Max Dowman of Arsenal represents his country, he will be the youngest to score In the world cup, same way he was the youngest player to lose a UCL final

Pendu may score if dey get penalty as usual
Penaldo Penaldo

kokoA:
Why the children dey vex na?

na Genes