₦airaland Forum

U don jam werey as boss. Just get a good lawyer for this case.

U have said said it all, it is the nature of the people that determines the type of leader they get. How can a sane person be doing vedio recording even in the face of danger.

The same thing happened to me when I was a student in Aksu. I went home for a semester break before I return in five 6 weeks they've entered my room and went away with my Brand new chain wrist watch and two new Jean trousers.

Wetin Concern una for their matter? Na family conflict, they will settle it soon.

I graduated from this School some years ago. Maybe I should apply for a position.

U did well my sister. Let them come and continue their stupidity in Nigeria.

Na your luck shine.

Nigerians will feel it.

I'm a Merchant loan officer in Opay MFB. And the loan comes with very low interest rate. All he need to do is to download the Opay business App and log in with his former Opay or create a new account, then get bank statement of six months from any other Bank. U can contact me for further assistance

Basicend:
OPAY is a good Fintech. But they won't give him instant loan. He has to run the account for a while b4 they will then start offering him loans based on his cash transactions (turnover).

Good development for Nigerians...

Try Opay Micro Finance Bank and Thank me later. But u have to download Opay business App and upgrade it to at least the tier three before we can process your loan application.

What is so special about Julian Alvarez?

No be lie. I are right sir. I'm currently earning 160k monthly. But my transportation fare from my home to Ikeja to and fro has skyrocketed. How do we get here as Nigerians.

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.

But if they are not arms and ammunition they should forgive them

nesgeeek:
They should execute them.

They should execute them.

Federal government should do anything possible to secure the release of those students and teachers.

I totally agree with u sir. Nigerians need to always turn up for voting during election. By right 8.7million wouldn't have made Tinubu win an election had it people turn according to numbers of registered voters.

givedemwotowoto:
I have to make this important clarification for the 2027 Elections:

Nigeria has a voter turnout problem that needs to be addressed urgently. It can only be addressed if we hold ourselves accountable.

People argue that "many" people voted on election day in 2023. Those "many" people were only 26% of the registered voters.

Pay attention to the data:

93 million people were registered to vote in the 2023 elections. This represents 77% of all Nigerians of voting age.

87 million people collected their PVCs.

But only 24 million people showed up on election day to vote. Just 26% of registered voters.

In some states like Abia state, voter turnout was as low as 12%.

=================

Compare this number to the 2024 US election:

173 million Americans were registered to vote. This represents 73% of all Americans of voting age.

On election day, 65% showed up at the polls to vote. In some states, the turnout was over 75%.

=================

Compare 65% to 26%.

Low voter turnout helped Tinubu win election with only 8.7 million votes.

If turnout is low again in 2027, it’s game over for opposition.

Show up at the PUs and overwhelm them. Vote and wait for votes to be counted, captured on camera. Don't forget to state your PU name and date on camera while recording. Accompany them to INEC office and sleep there till results are announced.

This shouldn't be too much for any Nigerian to do knowing what's coming if Tinubu wins re-election.

Reno Omokri is a bias man

Tell the person to buy it. It will be cheaper over there.

Nadia Buari was the most beautiful lady back then In Ghana

Bro, there is nothing wrong in you trying to marry a 20yrs old lady. Infact the age difference is perfect for u. But all u need to do is package your self well, u don't need to tell her how she will grow old faster than u.

My friend of 40yrs just got married to a lady of 28yrs. Meaning there is 12 years difference between them.
So present your self well to a lady bro. I wish u good luck.

Why won't terrorism be rampant.

Man Utd has won the award more than every other team.

Yes sir. I've learned good English today.

Ginger farming is mostly from southern Kaduna. 4yrs ago as a Kaduna corper, myself and my friend Venture into ginger farming in Manchok Kaura local government Kaduna state, but we couldn't even recover our capital just because we left immediately after our service. It was later sold to one of the villager from the ground.

Our government has failed us.

There's time for everything

Tinubu may get up to 5% in Akwaibom though.

Pls go into palm fruit farming and thank me in next 4 or 5 years.

May his soul rest in peace. Was he married?

Even if she is a billionaire, my answer is NO

Negroid001:
Have you seen a football match that start with 1-0 ?

Yes, Champions league second leg.