₦airaland Forum

falcon01:
I love black girls

CrazyCrane:
My one month salary takes care of the rent… 2bed

Vipro:
Life is believed to begin at age 40. Before you turn 40, you should have reached some financial milestones in life to make your years as enjoyable as possible.

I share your financial steps you need to take before you turn 40. If you have reached the age of 40, you can still begin to achieve these financial goals, because I think it is never too late to achieve something in life. if you have the commitment and courage.

The list below shows my personal recommendations. You have the choice to make them disappear or not. Still, I think your over-40s would be better if you reached those milestones before you were 40.

1. Pay off debt: Debt can be a major setback in your journey to financial security, especially compound interest debt. You must do everything in your power to pay off all of our debts from those with the highest interest rates.

Your goal should be to lead a debt-free life. Pay off your debt and make sure you don't take it back. You have more peace when you have no debts. Business loans are an exception. However, you should consider other ways to raise capital for your business before considering a business loan.

2. Build marketable skills: If you can do what others can’t do, they’re willing to pay for it. What skills do you have that other people would be willing to pay for? If you don’t have the skills yet, go learn it today. This is very important!

Try to learn a skill that is not common. If everyone can do it, the value will not be high. If you learn or develop a rare skill that you can do almost perfectly and that has a good demand, you can’t go bankrupt because your skills will always give you income.

Some good skills you can learn are graphic design, tablet publishing, hairdressing, catering and decorating, tailoring, vehicle mechanic, generator, computer repair and networking, computer programming, web design, welding and manufacturing, copywriting, nursing , carpentry, tiling, mosaic, application development, POP roof installation, electrical work and many more.

Most of these skills are not taught in colleges and universities, but they can feed you. Therefore, even if you are a graduate, you can learn the skills of someone who has one or in a skill development center. It aims to have at least a good marketable skill before the age of 40.

3. Develop a search for financial education: information is dynamic. New information comes out every day. What you know yesterday may be out of date. Therefore, you should always be alert to new information. You need to make an effort to update your financial knowledge.

Before you turn 40, you need to develop your reading skills. Reading is one of the greatest ways to gain knowledge. You need to learn regularly and quickly. Read good books and research online. For information, you need to learn how to use search engines like Google, Bing, AOL.com, Ask.com, and more.

Get a financial mentor: You need to follow someone who has done what you want them to do to prevent mistakes from being communicated by others and speed up your financial progress.

One way to follow a mentor is to read all of their books or articles.

5. Have an emergency fund -

The need to always have an emergency fund cannot be stressed. An emergency fund is money that goes to your bank account for serious emergencies such as job losses, illness, accidents, disability, and so on. Experts recommend that your monthly living cost be as an emergency fund for at least 6 months.

This money should have good liquidity, but it's best not to keep it in a savings account where you have access to it and for depreciation. You can save the emergency fund to a mutual fund account.

6. Start your own part-time or full-time business - if you’re not starting a business before the age of 40, when will you start it? When do you grow old? Business is a risk and the older you get, the less appetite and risk aversion.

Try starting a business before you turn 40. You can do this part time if you are employed. This will help you learn from your mistakes, grow, and gain experience. Business mistakes and failures get better when you are younger than at age.

7. Get married and have all your children: You have a more balanced view of married life with children. You may not agree with me, but I know that's true.

Married people almost jump into action without thinking. As a married person, think things through various perspectives and think before you move.

Think about the consequences of your actions, as it will affect your family in some way. You think about the couple and also make more balanced decisions, including business decisions, because two good bosses are better than one.

Having your children under the age of 40 also has several benefits, as it helps you grow with your children and helps carry the financial burden of raising your children while you are still young.

8. Build a solid base of passive income streams from paper assets. Paper assets are one of the greatest ways rich people make money almost effortlessly! Warren Buffett is one of the richest men on earth because of his paper assets. Imagine you have invested N50 000 000 in a mutual fund with a low annual interest rate of 10%. This means that it would earn approximately N5,000,000 annually and N 4,16,666 monthly. If you continue to invest interest and capital, you will increase even more in the coming years. Therefore, the rich are getting richer because they use the power compound to use the paper resources.

Before the age of 40, this is the best time to buy a lot of paper assets. Invest in stocks, treasury bills, bonds, mutual funds and other paper assets. He is interested in a wide range of paper resources.

9. Investing in real estate: Investing in real estate is one of the best investments you can ever make because it is always appreciated in value over time. In addition to food, rental housing costs are one of the biggest expenses for the family.

Before you turn 40, it would be good to build your house. See here how you can build your low-income home. In the worst case, even if you haven’t built a house, try to buy land before you’re 40 years old.

10. You have your own farm: Have you thought about how people without farmers would survive? You can say, ‘I don’t have to be a farmer, because I can always buy the food I need’. Let me ask you: What if you have money to buy food and there is no food to buy because there are no farmers?

Even if you don’t want to grow full time, try a backyard garden where they plant vegetables. This will help you appreciate the wonderful work that farmers do.

Investing in agriculture can also be a good way to build wealth. There is always a market available for agricultural products. I have written several articles on agro-industry and how you can benefit from it.

11. Start giving to others: You can get as much wealth and wealth as you can, but if you can’t find a way to help others, you won’t know what the accomplishment is. The true measure of life does not lie in how much you have, but in how much you give.

Start allocating a portion of your monthly income to help others, especially the needy, children, and the elderly. You can take responsibility for sponsoring a disadvantaged child through school. You can adopt a child. You can meet the needs of disadvantaged children and the elderly on a monthly basis.

I can really do this without the stress of writing articles and maintaining this blog as I don’t get a reasonable financial benefit from it. My joy, though, is that this blog is helping thousands of people overcome poverty and remain financially stable.

Start handing out people now. You don’t have to be very rich to help others. Give what little you have because it opens more doors of resources. There are many people around you who need your help and help. You can deliver cash or to babies in need, disabled and motherless at home. You can sponsor a poor child through school. There are inexhaustible ways to give to others.

Bonus Tips:

1. Write a will. Many financial experts recommend getting a lawyer to help you make a will that legally grants ownership of your properties to everyone you want when you go ahead. This is especially important in conflicting families.

2. Buy an insurance policy: Several financial experts also advise you to buy life insurance. The goal is to give your loved ones a financial advantage if you go further.

There you have it. It is not good for anyone to collect information unless it is used. The choice is yours.

For more suggestions, leave a comment in the section below.

Don't forget to like, share and follow me for more updates.

Cudeze4:
Are you seriously going to follow her footstep?

clubkonnect:
You can always pay into our FIRST BANK AND WEMA BANK through ATM and MOBILE TRANSFER. Thank you for choosing CLUBKONNECT!!!

mlk37:
Sad news, rest in peace.



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clubkonnect:
You can always pay into our FIRST BANK AND WEMA BANK through ATM and MOBILE TRANSFER. Thank you for choosing CLUBKONNECT!!!

clubkonnect:
You can always pay into our FIRST BANK AND WEMA BANK through ATM and MOBILE TRANSFER. Thank you for choosing CLUBKONNECT!!!

TalkTalkTwins:
Good mama - #1000
Power oil - #2000
Onions - #1,000
Spaghetti - #2,000
Tasty Tom - #2,000
Salt - #400
Beans - #4,000
Oral B - #500

Red Oil - #20,000

Your head get oil
You sabi maths weller

Total = #35,000

NOTE: I purposely exaggerated the price, the stuff there shouldn't be up to #30,000

Siggynigeria:
Knowing the Ways to Make Money as a Nigerian Student is the desire of many students as everyone loves the ability to cater for his personal needs. However, students are seldom puzzled about the “how” of making money while in School. Many have even gone the wrong way, in search of this. Some others have given hope on this as they feel making cash while in school somehow disturbs their education. We certainly do not agree with both the former and latter! There are 101 genuine ways to make money as a student in Nigeria; we however, will list down some few. Sit tight and enjoy the ride!

1. Freelance Writing
We are in the social age now. The demand for freelance writing continues to be on the increase. Amazingly, you don’t even have to be an expert in whatever field you choose to write on.
You can start making money online by putting up your write-ups on publishing platforms such as Medium or Blogger to showcase your writing skills and knowledge which can open you up to writing gigs that will earn you little funds.
You can also make money by offering your writing services for a fee on freelancing platforms such as Upwork or Fiver. Writing is something you can start with gadgets you already have, such as your mobile phone or laptop instead of wondering about getting new appliances to work with.
Also, is recruiting Students as intern writers in order to boost their writing experiences. If you want a website to boost your writing strength before getting your own blog, fill their application form.

2. Supplying Food Items
For example, eggs are the go-to protein for Nigerian students. The number of eggs consumed nationwide daily by Nigerian students we’ll need statisticians to calculate.
It is an excellent small scale business to go into as a student as it requires minimum capital to start. You’ll have standby consumers ready to buy eggs almost as immediately as the hen lays them. You become a mini egg supplier within your peers and then maybe the food canteen around you.
Most people are eager to patronize you as a student because they know you are trying to make ends meet. You can upgrade to running your poultry when you notice how great the business is.
Since students are more likely to be too tired or lazy to attend market runs, they may want the assistance of a vendor or supplier.

3. Sell Data and Airtime
Using mobile data is a daily need for everyone. Students especially like to stay connected to their mobile devices. You can become a distributor of data for the various data needs of students. You can start up by signing up with small scale virtual top businesses and use your circle of friends and neighbours as your startup network. You sell airtime and data in bulk and start earning some stipend for yourself.

4. Assist with Registration
The process of registration is something every student passes through, while some may be ignorant of the process involved and would need a guide to help them through, you can be that guide, offering your services at a fee.
Even though some of your colleagues understand the process, they would love to do away with the hassle registration entails. You can take it up for them and charge a token. Also, you get to guide and help fresh students fast track their registration process.

5. Organising Tutorials
You can make money as a student by teaching. You can teach your peers in school on a particular subject you’re good at, or offer lessons to the smaller ones around you.
If none of that is possible where you are, you can take your tutoring classes online. It’ll be exciting to know how much people are yearning to learn, willing to pay for that skill you know, but you think it is insignificant.

6. Becoming a Clothes Vendor
Students are fashion-driven and would try their best to look the best all the time. You can go into buying clothes in bulk and become a retailer selling clothes at discounted prices so most students can afford them.

7. Photocopy & Printing Business
Photocopying/printing is the most popular business you see most people(students and non-students) do on campus today because of its hot demand in various Nigerian universities.
It is also very easy to start and gives you the privilege to choose your work hours. Photocopy and printing business can be started with very low capital, some gadgets(printer and laptop) and a small generator.
If you intend to go into the business while in school, you don’t need to get a shop for a start. You can just squat anywhere with huge traffic on campus and do your stuff.
You can also employ someone to do it for you(if you own a laptop and a printer) and you both can share the proceeds according to the agreement made when starting the partnership.

8. Blogging
Blogging is one of the best online jobs for undergraduate students in Nigeria.
If you can write great content (like the blog post you’re reading now) and manage a weblog successfully then you should be making some amount of money as your blog progresses.
To become a successful blogger in Nigeria you need to focus on a particular topic(often referred to as a Niche) and dish out great quality content for your readers.
Some popular niches which can fetch you income in Nigeria include health, technology news & tips, fashion, sports, food, education, general information e.t.c.
You can make money on your blog by applying for various monetization programs like Google Adsense, Propeller Ads, Media.net or you can choose to make money with affiliate marketing or selling physical products on your blog.
If you consider blogging as an option you can use to make money while at the university, do well to contact Seeks Digital for help to get your blog/website up and running in no time.
Also, is recruiting Students as intern bloggers in order to boost their writing experiences. If you want a website to boost your blogging strength before getting your own blog, fill their application form.

9. Programming
If you’re a tech lover or a computer science student(and other related courses), you might consider this as an option.
Programming is the art of building and designing a computer program with the sole purpose of solving a particular problem.
In programming, there are various sections in which you can choose to specialize in. These sections include web design and development, Android/iOS(mobile) development, embedded systems programming, game development e.t.c.
As a computer programmer at the university, you can choose to make money in so many ways as this skill is a very rare skill amongst Nigerian students.
Some ways which you can make money as a programmer at the university include:
Freelancing
Create a mobile app or website and earn through ads
Doing assignments and final year projects for computer science students
Tutorials(online and offline)
Physical jobs for clients e.t.c.

10. Sell Past Question & Other Useful Booklets
This business is very popular too. To make money here all you need to do is to write and publish a booklet(usually tutorial booklets/handouts) and distribute them to various handout dealers in your school to sell for you.
You can also gather other past questions in various subjects and sell them to students through these dealers.
Past Questions/Handout business is for those students who have mastered a particular subject and also have the necessary experience needed to publish a handout so other students can learn from it when they buy.

11. Hairstyling
This type of business is a very popular one for those students who have the skills. Barbing/hairdressing business is also a very lucrative one for both female and male students respectively.
Hairdressing is very popular among female students at the university. If you’re skilled and know how to do various hairstyles for students in school you’ll be making some amount of money as almost every female student at the university make their hair at intervals.

12. Classified Ads Websites
A classified ad website is an online platform that allow its users sell off their items such as land and properties, cars, food items, household products, home appliances, electronics and beauty products. Users looking for extra cash can upload their items for free and get it sold. is an example of a classified ads website.
Siggy has launched a new online marketplace for Students where college students can swap, buy and sell on Campus in Nigeria.
The online marketplace for students teamed up with Student Money Saver to encourage undergraduates reduce unnecessary spending by trading and selling unwanted stuffs instead of throwing them away.
Students in Nigeria can now access this service, which allows them to upload and sell on Campus stuffs they no longer need. From textbooks to electronics to even accomodation, they can trade stuffs with those in their University on .

13. Part-time Jobs
A part-time job is a form of employment that carries fewer hours per week than a full-time job. They work in shifts. The shifts are often rotational. It usually means working fewer days per working week and employees are normally considered to be part-time if they commonly work fewer than 30 hours per week. Part-time jobs are definitely easy ways to make Money as a Nigerian Student.
Students can easily get part-time jobs around the school environs . Places that could offer part-time jobs are schools, restaurants, logistics, house cleaning, laundry and marketing.

14. Bursary Schemes
Bursary schemes are levies paid by state governments to their indigenes schooling in private/public tertiary institutions in Nigeria. The levies are to serve as financial supports to the students while they school. Bursaries are paid annually and do not require any written examination.
Unfortunately, bursary schemes are not for everyone; they are mostly paid to indigenes from oil producing states. States in Nigeria that offer student bursary to their indigenes are; Delta State, Ondo State, Rivers State and Ogun State(new). Contact your state union in your school for information on how to apply! Bursary schemes are definitely easy ways to make Money as a Nigerian Student.

15. Educational Scholarships
A scholarship is an award of financial aid for a student to further their education at a private elementary or secondary school, or a private or public post-secondary college, university, or other academic institution. Scholarships are awarded based upon various criteria, such as academic merit, diversity and inclusion, athletic skill, financial need, among others. Or some combination of these criteria.
Top Scholarship Schemes for University and Polytechnic Students in Nigeria include; NNPC/Total National Merit Scholarship, Shell Undergraduate Scholarships, NPDC/SEPLAT Undergraduate Scholarship, amongst others. Amongst the easy ways to make Money as a Nigerian Student, getting a scholarship scores well on the list.

16. Affiliate Marketing
Affiliate marketing is the process by which an affiliate earns a commission for marketing another person’s or company’s products. The affiliate simply searches for a product they enjoy, then promotes that product and earns a piece of the profit from each sale they make. The sales are tracked via affiliate links from one website to another.
So as an affiliate marketer, you need not own a product of your own or even a webite. You make money from promoting some brand’s products and this can even be done on your social media. Eazy Pizzy Lizard Squeezy!
Commission rates that brands offer to affiliate marketers diverses. While some offer offer between 5% – 12%, some brands offer even bigger.

Here, we round up our list on Ways to Make Money as a Nigerian Student. We hope you enjoyed every bit of the ride. Let us know which of the above listed options you’ve decided to try out. Or have you already experimented any of them? Drop your own list of easy ways to make Money as a Student in Nigeria in the comment section below. We will be glad to send you a reply. Hasta La Vista!

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