₦airaland Forum

Kobojunkie:
Shouldn't financial stability come before marriage? I mean, this is the year 2025, and it should be common sense to all at this point that having one's finances in check is a big step towards a happy life in general(marriage included).

Since you don't have any other plans, it is not a bad idea to consider going towards a PhD.

The big question is how?
What if my scholarships don't fall through
What if I don't get the jobs
They are a lot of what ifs
Seniors like you should have a guaranteed manual

For context, I just finished my NYSC. I’m a Biochemistry graduate (2:1), 24 years old.

Hello everyone,

I’m currently doing many things at the same time. I have a target for myself, but I don’t have a specific plan. The reason is that I’m not really a fan of making plans because they might change, and I don’t want to feel disappointed.

Here’s where I am right now:

I’ve applied (and I’m still applying) for international scholarships.

I’ve applied for different jobs.

I’m freelancing in Mobile and Web Development, and also working as a Research Writer.


Even with all this, it still feels like I have no concrete plan.

Looking ahead, my goals for the next five years are to:

Earn a PhD,

Be married, and

Become financially stable.


So my question is: What should my plan be?

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Hi everyone,

I’m 24 years old, and I’ll be finishing my NYSC in August. I studied Biochemistry and graduated with a 2:1. During my service year, I worked as an administrative assistant. I’ve also done some freelance work as a blog post writer and scriptwriter, and I enjoy playing around with WordPress. I’ve written a few research papers too, and I have some basic data analysis skills.

Right now, I feel overwhelmed and confused about my next steps. I plan to apply for a graduate trainee program in a bank and work for a year while processing a scholarship for my master’s abroad. But I’ve been hearing how competitive these programs are, and I’m starting to doubt if it’ll be that easy. The reality of no more alawee is hitting hard, and the thought of going back to live with my parents is making me feel like a failure—even though I know it’s not pride.

Most of my fellow corps members have big plans, and I feel like I’m just floating. I don’t have savings, and the phone I’m using is even on credit.

Please, what advice would you give someone in my position? What should I be doing right now to stay on track and not fall behind?

Kobojunkie:
Continue with your current plan until you are no longer able to or have to adjust it here or there. Take a break if you need to and get back on the path when you can.

Thank you so much. Sir/Ma. I feel encouraged.

Kobojunkie:
It is quite OK if your plans don't work out since you have the freedom to make new ones or tweak the ones you once had. There is no need to get anxious about that since pretty much all of us end up having to do that like uncountable number of times throughout our lives.

So what do you advice is the way forward?

Kobojunkie:
But everyone who does that is wrong! No one is a failure because they moved back home at 25, or 30, or 45, or even 50. No, failures are those who refuse to realize that to move forward, they need to take a step or more backwards to realign themselves, or even begin again or change directions.

2. If big plans are all that is needed to succeed in life, then over 170 million Nigerians today wouldn't be mired in abject poverty. You need more than big plans to succeed in Nigeria and in life.

The fact that plans are not enough is what is a scaring me. What if my plans don't materialize.

Kobojunkie:
I heard that too back in 1998 when I was in college and looking for my first job. And here I am today telling you that it is not your fault, and so you should not let it deter you from applying for jobs anyway or pushing forward with your goals.

2. I am sorry, what?

3. You'd better swallow your pride and move back home with your parents if you need to. Even here in the United States, we all do the same when things get too hard and we need a chance to start over or something. I never understand it when people in Nigeria pretend they are too big to do what even those in advanced nations do.

It’s not pride, Sir/Ma. Everyone makes it seem like, at my age and with the fact that I’m a graduate, I’ll be a failure for going back. All my fellow corps members have big plans, and I’m just there.

Kobojunkie:
The simple answer is yes. You are headed in the right direction towards your current goal.

You have a plan, and in the absence of any other, stick to it.

But it looks like I won’t be able to get the job that easily. I hear there’s a lot of competition in the graduate trainee programs. I don’t want to be hit by a hard reality. No more alawee. I don’t want to go back to my parents.

Good evening, everyone.

I will be 24 years old by July, and I will finish my NYSC by August. I am a graduate of Biochemistry with a 2:1. I served as an administrative assistant at CRUTECH. I have worked as a freelance blog post writer and scriptwriter. I also play around with WordPress and write research papers.

Currently, the phone I'm using is on credit, and I have no savings. I can do data analysis, and I hope to apply for a graduate trainee program in a bank. My plan is to work for a year while I process my scholarship for a master’s degree abroad.

However, right now, I am feeling overwhelmed and confused. I need advice—am I on the right path?

Please can you help me with 3k this morning for transport

Where can I sell scientific manuscripts and research work
I also write project work and carry out research work

Please

IyaTola:
Good because there's an opening in a company which they can pay you 120k

I Am interested

IyaTola:
Are you in Lagos?

I can let the rest be but plenty cash is harsh

IyaTola:
Are you in Lagos?

No cross river I am a corper

IyaTola:
oga you no get problem, I get debt of 3.5m I still dey ball

Please help me 20k plenty cash they disturb me

Please I need 20k to pay of a plenty cash loan. See proof

Please help me

IyaTola:
You 105,000 or 105,000,000?

105,000

But I have paid 48k

So remaining 57

Please if you can help me

SoaringLife01:
You want to commit suicide because of THOSE YEYE LOAN APP CHAPS?
Who care if they send your details to your friends and family.
Guy, you said you are in your early 20s. You still have the world ahead of you.
No 1 rule in this country is TO DEVELOP A TORTOISE SHELL TO EXTERNAL KILLER-JOY FACTORS AND KEEP YOUR INNER JOY BUBBLING.
Keep trying , from your display name ,it seems you are in tech space.Keep trying, join Networking groups on LinkedIn, do some volunteering jobs to increase your network base.Keep pushing my young Nigerian pal.
Suicide is for weaklings( in my own opinion).

Please can you help me with any amount

SoaringLife01:
You want to commit suicide because of THOSE YEYE LOAN APP CHAPS?
Who care if they send your details to your friends and family.
Guy, you said you are in your early 20s. You still have the world ahead of you.
No 1 rule in this country is TO DEVELOP A TORTOISE SHELL TO EXTERNAL KILLER-JOY FACTORS AND KEEP YOUR INNER JOY BUBBLING.
Keep trying , from your display name ,it seems you are in tech space.Keep trying, join Networking groups on LinkedIn, do some volunteering jobs to increase your network base.Keep pushing my young Nigerian pal.
Suicide is for weaklings( in my own opinion).

Thank you sir

Magicalsineros:
Are you into gambling?

No.i am not. I just got into a state where I was borrowing money I didn't with high interest and then borrowing to pay back

Automolite:
Which loan app sef?

Mcash
Kkcredit
Kash pal
Lendmax
Plenty cash

Please if you can help I'll be happy

I have

I have been able to pay 48k off now thank you all

Ebonygeek:
How much time do you have?

It's already due and interest is adding. It will be like 130 now. I am just waiting till month end I'll pay the little I can pay

Ebonygeek:
Do you have anything of value you can sell? It's a money issue right?

Yeah all 105k. Its only my phone and it's not upto

Ebonygeek:
Do you belong to any church? If you do, reach out to leaders and members. What about your family?

Hmmmm already did that

Ebonygeek:
Don't do it Sir. There's life after death. No matter how bad the situation is, there's always a way out. Most of the time, we just have to swallow our pride and ask for help.

No one is willing to help