Fallout of Holiday Spend: How to Eat at Work on a Low Budget


January has earned the reputation of being the longest month in the history of a calendar year. Mostly because people engaged in heavy spending during the yuletide season last year. So, most employees’ spending power in January is cut by more than half of what they need to survive until the next pay cheque. Survival at work especially as regards transportation and feeding will demand some topnotch management skills. In line with this, we share ways to eat at work despite your low budget.

Bring food from home

Planning is very important if you really want to take food to the office from home. You have to cook a day before or very early in the morning so that you will simply microwave your meal in the morning. This is way easy because if you decide to cook in the morning, you are likely to arrive late at your workplace.

Stop buying junk food

Eating junk food is a no-no when you are at work. Before you know, you’re craving for more food. So, cut out junk food from your diet. You would be surprised to see how much you may be paying for prepackaged meals and processed foods. Despite the fact that they offer very little nutrition and are packed with unhealthy ingredients, they are also very expensive.

Reduce the number of times you eat in the office

If you eat two or three times in the office, this is when you should reduce it to once. For some foodies, this may be unacceptable, however, since you are low on a budget, waiting for the big miracle to happen by month end, you have no choice than to take these extreme measures. This is better than going through the day without eating.

Avoid high-end restaurants

There’s absolutely nothing wrong with patronising high-end restaurants when you have the money. However, it will be unwise to still visit these restaurants if you have little money to spend. You should go to a ‘Mama Put’ to eat, provided it is neat, clean and hygienic. The foods there are very much inexpensive.

Order meals on Jumia’s food marketplace

The fact is you cannot always have the time to cook. The healthiest and most nutritious alternative for you is to order food online when you at work. Which online food delivery platform will you use? Look no further than Jumia’s food marketplace. There are a variety of foods on Jumia’s food marketplace which you can select from and the catch is they are very affordable and nutritious. Interestingly, the foods are delivered at your doorstep at the quickest time. This will definitely help you save a lot of money.


Analysis of the Fintech and epayment landscape in Nigeria – @Yinkanubi

Within the last three years there has been a significant increase in epayments. For instance, the volume on NIPS (Nibss Instant Pay) went up by 372% from 154 Billion transactions in 2016 to 730 Billion in 2018. And value went up by 111%, from N38Trillion in 2016 to N80Trillion in 2018.
For POS transactions, the story is similar. Transaction volumes went up by 349% from 64 Billion in 2016 to 286 Billion in 2018. While in terms of values, it went up by 206% from N758 Billion in 2016 to N2.3 Trillion in 2018.
The story is similar with other epayment platforms like Mobile and EBills-Pay. Which had increased volume of 27% and 2% respectively and increased values of 61% and 47% respectively between 2016 and 2018.
The one data that seem to show how much this epayment revolution is gradually taking shape is the data on Cheques. Cheque volumes declined by 23% (from 12 billion to 9 billion) between 2016 and 2018 and by 14% (from N6 Trillion to N5 Trillion) in values
during the same period.
In summary, total volume has moved up by 290% from 278 billion in 2016 to 1.1 trillion in 2018. (Daily average of 3 billion transactions). While total value has moved up by 95% from N46 Trillion in 2016 to N90 Trillion in 2018 (Daily average of N245 Billion).
That is not all the story. On the #FintechNG landscape, there has been steady increase in investment into that space in recent times. Nigeria Fintech companies have been able to attract outside and domestic investors and it seems to be happening in spite of the economy.
Why is this the case?
1. Population of Nigeria
2. Population of Young people
3. Mobile Density
4. Increased epayments volumes
5. Broadband internet
6. Increased emphasis on financial inclusion (policy and regulatory)

All these come together to create a potential ecommerce market

Just recently, we learnt that out of 458 deals amounting to $725.6m from Venture Capitalist in Africa, (a 300% leap in total funding amt from 2017), Nigeria got 136 (30%) of the deals out performing South Africa and Kenya which got 107 and 73 respectively.

So far, reports from @Techpointdotng shows that as at Q3 2018, Nigeria #Fintechcompanies and start ups have already attracted about $120m. It is looking like the investment inflow in 2018 will surpass all inflows in the previous years.

While it must be said that what is coming to Africa and indeed Nigeria is a far cry from global investments in FinTech which was over $31 billion in 2017, the exponential leap in deals and investment shows an increasing interest in the continent and indeed in Nigeria.
Why is this subject matter important? Jobs! Jobs! Jobs! Given that the largest sub-set of our population are between the ages of 18 – 35 and the vast number of people we are adding to the labor force each year, we need to look at sectors like this as means of creating jobs.
There are millions of jobs that can be created around the #Fintech ecosystem. Just take a cue at what countries like Kenya are doing. The challenges here is not just about policy, it is also about regulation. A case in point is the new CBN guidelines on payment service banks.
In conclusion, it’s not all gloom & doom. There is a disruption going on & it’s coming from Fintech Startups. As more money pours in, it’s gaining ground & soon enough, it’ll be the order of the day. You can either read this as a political gladiator or as a potential investor. 😊

Book Preview: Introducing Be(com)ing Nigerian by Elnathan John

Becoming Nigerian official cover [Twitter/Elnathan_john]
Be(com)ing Nigerian: A guide is set to be released on February 6, 2019.

Elnathan John is a self-proclaimed satirist and author behind the brilliant debut novel, Born on a Tuesday, a heart-rending commentary on contemporary northern Nigeria. Born on a Tuesday went on to win the Betty Trask Award in 2017, was shortlisted for 2016 NLNG prize and longlisted for the Etisalat Prize for African Literature in 2017. It was also translated to German and French.

Elnathan John, author of Born on a Tuesday [The nerve africa]
Elnathan John, author of Born on a Tuesday [The nerve africa]

After a long wait and relentless pining from fans, his home publishers, Cassava Republic Press, are now set to publish another anticipated work of art, a fun but intentional jab at what it is like being a Nigerian.

For years, Elnathan has documented his love for satire on Twitter and his personal blog, and had always pushed for the clear distinction between satire and comedy. Finally, he put together a satirical collection.

This is especially timely, in the wake of the forthcoming Nigerian elections in February, as his favourite topic is Power dynamics in Nigerian politics. The collection is also set to be released on February 6.

From the synopsis, Be(com)ing Nigerian: A guide is described as “a satirical collection that takes a searing look at how different forms of power are abused, negotiated and performed both in the private and public realm.

Through attempting to satirise those who abuse privilege or power, it recognises that power can be found everywhere: in politics, business, religious institutions and in homes.”

Another cover of Elnathan john's  Becoming Nigerian [elnathanjohn.com]
Another cover of Elnathan john’s Becoming Nigerian [elnathanjohn.com]
“From the exploration of religious hypocrisy in How To Worship The Nigerian God, to A Letter to My Future Kidnapper which tackles the growing scourge of kidnapping, the collection is a jab at Nigerian society and what it means to be a Nigerian. Beyond poking fun at the holders of power, it is a summon, a provocation and a call for introspection among all levels of society. As it is often said in Nigeria, when you point with one finger, there are four others pointing back at you. This is an engrossing read for Nigerian watchers, and strangers to Nigeria alike, with it’s tongue-in-cheek look at Nigeria’s relationship to the world, both culturally and politically.”

Knowing Elnathan, this will be all shades of witty while poking at the right places. Nigerians and Africans alike will be able to read and relate.

The book is now ready for preorder. Read a teaser Cassava Republic put out:

Nigerian love is a very material concept. Cook for your man. Nigerian wives know this already. But lovers need to learn: A thousand words cannot work the magic of one pot of egusi soup complete with meat, ‘assorted’ and okporoko…

CREDITS: This review is written by Adaobi Onyeakagbu and was first published on https://www.pulse.ng/lifestyle/food-travel/elnathan-john-turns-his-knack-for-satire-into-one-of-the-most-anticipated-books-of/pcryqj6

Law Weekly: Business Outlook 2019 – Six Sectors To Watch

The Year 2018 was quite eventful on the global scene, with the #MeToo Movement, historic meeting between Donald Trump and North Korea, Trade War with China, Brexit negotiations and Khashoggi murder dominating global discourse.

On the domestic scene, Nigeria’s rebound from the recession slowed down in the last quarter of 2018 based on dwindling revenues as well as late implementation of the budget. The imminent election dominated the news most of last year and it is expected that whilst the politicians continue to bicker in Q1 2019, the economy will suffer.

It is however not all gloomy for Nigeria in the year 2019, as the International Monetary Fund projects growth of 2.3% buoyed by expected stability in oil revenue.  As is our tradition, we now take a critical look at some important sectors of the economy and how they might fare in 2019.
Image result for nigeria's agricultural sector
Agricultural activities in the North-Central and North-East of Nigeria continue to be disrupted by insecurity and displacement. Nearly two million people remained displaced in North-East Nigeria, and the recurring herdsmen crisis in the North- Central contributed to the sluggish growth of the agricultural sector in the year 2018.

However based on specific Government policies like the establishment of the Staple Crop Processing Zones Authorities, CBN’s Anchor Borrowers Program and Promotion of State Led Crop Specialization, Nigeria’s Agricultural Sector remained a key investment destination and this is expected to be sustained in 2019. Also contributing to increased investment in this sector are private driven initiatives like FarmCrowdy, Pork Money and many more, who with the aid of technological tools have been able to spike the interest of the young and upwardly mobile crowd in the Agricultural sector.

It is expected that Government intervention and support will be key to unlocking agricultural potential and eliminating the structural problems affecting the sector. It is also expected that this sector will see increased participation and investment in the New Year and looks promising to retain its position as a key driver of the economy.

Image result for nigeria's oil and gas sector

The failure to pass the Petroleum Industry Bill for the past 17 years remains one of the dominant reasons for the perpetual stagnation of this sector despite being the key revenue earner of the country. To aid the quick passage, the bill was split into four areas i.e fiscal, governance, revenue management and host community aspects but controversy has always dogged the law due to concerted efforts by various groups to preserve their interests.  The fiscal component of the bill was sent to the president in early 2018 but he withheld assent citing constitutional and legal concerns.
Image result for nigeria's oil and gas sector
On a positive note Nigeria’s crude oil output was constant most of 2018 averaging 1.93 mb/d due majorly to reduced restiveness in the Niger Delta. Another positive news is the completion of the Egina FPSO which has a capacity of 200,000 barrels a day and is expected to commence operations in by Q4 2019. Engineering Procurement and Construction works also continue at a frenetic pace on the widely acclaimed Dangote Refinery which is expected to refine 650,000 barrels of crude oil per day. However unverified reports state that the projects much publicized completion date of 2020 is unrealistic and looking more like late 2022.

Investment in Nigeria’s oil and Gas Sector is expected to grow in 2019 but may be hampered by unstable oil price, heightened security risk, and legislative uncertainty.
Image result for nigeria's manufacturing sector
The Manufacturing sector experienced increased activity in the year 2018 majorly due to the stability of the exchange rate which was buoyed by the CBNs vigorous defence of the Naira. It is unclear if the apex Bank would be able to sustain this tempo in the year 2019 owing to dwindling oil revenues and the possible exit of the Central Bank Governor in July 2019 after completing his 5 year term.

Indicators point to higher inflation and exchange rate instability in 2019 and this will have a negative effect on the manufacturing sector. The outcome of the election and the fate of the CBN Governor will have a strong role to play in how this sector evolves in the year 2019. Also impactful will be the expected hike in wages which will increase the purchasing power of the citizenry and also spike inflation.
Image result for nigeria's ICT sector
Statistical reports show that Nigeria has a rapidly expanding youthful population of over 42 million youths and technology plays a significant role in their lives. The effect of this is that millions of Nigerian youths are beginning to deploy technology to solve everyday problems and this has positioned them for better opportunities.

This sector continues to transform lives and has contributed significantly to the GDP of the country and this is expected to be ramped up in the year 2019.  The world has also taken note of the activities going on in this sector and investors are currently vying to invest in Nigeria as witnessed with funding received by a host of tech companies in 2018 e.g Paga, Flutterwave Andela, etc The ICT space dominated in terms of FDI inflows in 2018 and this is expected to increase in 2019.

The implosion of Skye Bank in September 2018 and the acquisition of Diamond Bank by Access Bank in the last quarter sent shock waves across the Financial Sector in the midst of a turbulent year for most Financial Institutions. Whilst it is expected that the merger, which remains subject to shareholder and regulatory approvals, will create Nigeria and Africa’s largest retail bank by customers, the scenarios however starkly shows the fragile state of most Nigerian banks and investors are keenly watching to avoid surprises.

Good news is that the Naira remained stable most of the year due to CBN interventions amidst the turbulence that visited most emerging market currencies e.g.  Russian Rubble, South African rand Mexican Peso etc. This stability is however threatened by falling oil prices and a supply cap on the country’s oil production by the OPEC.

It is expected that the CBN continues its interventions in both Currency and Banking Regulatory fronts, as any failure would lead to a systemic crash which Nigeria cannot afford.
Image result for nigeria's entertainment sector
2018 was an amazing year for the entertainment sector as it witnessed a 25.5 per cent growth amounting to $3.8 billion, many thanks to the growing smartphone and internet penetration in the country (PwC Report).

Several Nigerian movies earned blockbuster revenues in the year 2018 e.g Merry Men (N230 million), King of Boys (N100 million), The Ghost and the Tout (N80 million), Moms at War (N65 million) and Royal Hibiscus Hotel (N59 million).

The Nigerian music sector also experienced a boom as musicians made money from performing and hosting live gigs, brand endorsements, ring back tones, mobile streaming and music licensing. They have also made their way into the international music scene collaborating with some of the biggest names in the business.

As the country continues to battle the dwindling oil revenues, Nigeria’s entertainment sector is expected to become a very relevant piece of the country’s economic puzzle.

The potentials of Nigeria are boundless, there are challenges no doubt but the country cannot be ignored because of its mostly youthful population, land mass and natural resources. China and India are already onboard despite the apparent challenges and other investors are taking notice. Now is the time to make that foray before the competition gets stiff.

CREDITS: This opinion is brought to you by the Iyiola Oyedepo & Company


“I love the idea of making people extremely beautiful and more confident” – @Okijagirl


My name is Okafor Ginikachukwu.  I reside in Enugu and I hail from Okija in Anambra state. I studied Surveying and Geoinformatics in University of Nigeria Nsukka. I am a tailor and a makeup artist.


I have always loved creativity. I started off writing for people in my primary and secondary school days. In university, I needed to supplement my allowance so I had to find something I enjoy doing and doubles as a source of income.


I started sewing in my first year. I was home for the long vacation and was looking for how to make the most of my time. That same day, I discovered a fashion school around my house. It was magical, I never noticed it  before. I enrolled the next day and my journey began. I learnt makeup four years later in a studio in Awka. I was on holiday, I wanted to take an advanced course in tailoring but I was already late. I had to wait for another batch. I decided to learn makeup professionally, I had always loved creating and playing with colors. I love the idea of making people extremely beautiful and more confident.


I have been keeping it on the low  because I needed to graduate first and focus on it.In the course of my job I have met people, had mentors and most importantly I feel more confident.


Well, as with most startups, money is the major problem. There is a lot to do but no funds for it.


I just started using social media recently and it has been amazing. If used properly, it can take one’s business to the next level.


It is never easy, there are times you will jump up in excitement and there are times you will be extremely depressed. Don’t give up, work hard and most importantly, work smart.


E-mail: okijagirl@gmail.com
Instagram: @okijagirl
Twitter: @okijagirl

Five eCommerce Trends to Watch For 2019

Retailers, manufacturers, and consumers should get ready for another disruptive year in the retail marketplace. This is because eCommerce is growing and changing at a rapid pace especially in emerging economies.

If you want to continue boosting sales and conversion rates over time, it’s important to stay ahead of the latest online shopping trends. In this article, we’ll cover five top trends for eCommerce in 2019.

Mobile/App-only Transactions

With the increased number of eCommerce penetration in Nigeria and Africa at large, mobile eCommerce is expected to get faster and seamless. According to the Jumia Mobile Report 2018, 79% of users used their mobile phone, 18% used desktops and a mere 3% used tablets to access Nigeria’s no 1 shopping destination. Hence, it should be a little surprise that mobile e-commerce is about to get much faster and more fluid as eCommerce firms blur lines between sites and apps. So, expect the Jumia app to be super fast this year. Most transactions, especially the super amazing deals will happen only on the mobile. The apparent benefit of shopping on a mobile App is that you spend less data to make your purchases, compared to buying directly on the websites via mobile.

Social commerce becomes more popular

eCommerce has been a reliable means of buying items online in Nigeria. Another interesting dimension to eCommerce is the use of social media to transact business and there is no gainsaying that many young Nigerians have been very successful in marketing their businesses via social media. Even eCommerce businesses are not lagging behind as they now have active social media accounts for not only interacting and marketing products, but to perform real-time transactions. And this is what is expected to trend this year as consumers will be able to buy directly on social media platforms.

Voice search

Businesses do not joke with Google as it is very key to sales and turnover. They now optimise their services to appear top in search engines. The next phase is voice search. As Google Assistant and Alexa become more popular, voice search on mobile devices is being used more often to make purchases. Optimising your eCommerce shop for voice search can position your business to receive more traffic in 2019. For best results, be sure to mirror the language your target customers actually use.

Machine learning

AI-based eCommerce is still in its early development in Nigeria, but 2019 is definitely the time to begin utilising its potentials. Unlike simple automation, advanced machine learning allows you to deeply customize how individual users experience your brand. Beyond personalising specific fields according to customer data, email marketing campaigns can be triggered by patterns of customer behaviour such as purchase history. For example, if a customer habitually orders a product every few months, the system can send reminder emails prompting future re-orders.

Artificial intelligence

The rise of conversation AI (commonly known as chatbots) is one of 2019’s most popular eCommerce trends helping brands interact with customers at scale. In addition to answering common customer questions, messenger bots are also able to facilitate the buying process for online shoppers. This eCommerce trend provides massive value to busy consumers who demand immediate answers, regardless of the time of day or the platform they choose to contact a

Career Audit Questions You Need to Answer Honestly

career audit

Carrying out a career audit is very important to reaching your career goals and professional expectations. According to the 2018 ‘Jobberman Best 100 Companies To Work For in Nigeria,’ 64% of employees with 0-2 years of experience rated their companies lowly while 67% of employees with a minimum of 7 years of work experience also rated their employers quite lowly.

Being happy with your job or career is one thing. However, knowing what development, learning and career move you should make next can only be achieved by carrying out a career audit. Analyzing your career achievements can set up your optimism for reaching new heights or defining new career paths to go.

As the year comes to an end and you find yourself on the edge of a new one, you have reached a point where you need to know what is next for you and your career. Did you know that analyzing your career achievements can boost your optimism for reaching new heights and defining new career paths for you? Here are some career audit questions you should consider asking yourself.

As you ask yourself these career audit questions, it is important that you answer these questions as sincerely as you possibly can. Get your notepad out and let’s get started:

  • Are you happy with your career, current job and the company you work for?
  • What are your achievements over the past year?
  • What are the shortcomings that have held you back?
  • What are your strengths as a career professional?
  • What is the state of your mental and physical health?
  • What areas do you need to improve your mental and physical health?
  • Did you achieve the goals you set for yourself over the last 12 months?
  • Do you have new goals?
  • Are you relevant or has your job role become redundant?
  • What new skills or training will you be interested in taking?
  • Is your job profile/CV up-to-date?
  • Are you satisfied with your present compensation package and benefits?
  • What are your next career SMART (Specific, Measurable, Achievable, Relevant and Time-bound) goals?
  • How do you plan to achieve your SMART goals?
  • What other non-career related passion would you commit to?

Final Thoughts on Career Audit

Career audit questions may seem inexhaustible but the important thing here is to know where you were, where you are and where you need to go with your career? Once you are done analysing your career and defining your ‘what’s next,’ you may need to reach out to a career advisor or get a committed accountability partner. The role of the career advisor is to help you reach and surpass your goals.

Many professionals are reluctant to set career goals for themselves as they get entangled in the web of New Year resolutions. However, you are better off setting goals and constantly working towards them than just getting consumed in the routine of working without a short-term or long-term plan. If you are stuck doing the latter, you might as well just swimming in the sea without any proper direction. The best time to carry out your career audit is now. If you have any questions, kindly share them with us in the comment section below.

CREDITS: This article is written by Princewill Akuma, and was first published on www.jobberman.com

Twitter Thread: The Origin of the ‘Isi Agu’ Traditional Wear – @Ukpuru

Image result for isi agu design

‘Isi Agụ’ are industrial print fabrics which seem to have come up around the middle of the last century. For hundreds of years, people in the delta, specifically the Kalabari, have been using gold embroidered velvets imported by Europeans from India.

The Isiagu seems to loosely follow the same pattern of gold embroidered fabrics, although they are not handmade like the ones used by the Kalabari. Looking at the cloth, it’s obvious the ‘lion’ designs are not indigenous Igbo motifs.

The design of the Isi Agụ itself resembles the wokor and other men’s wear worn in the delta areas which seem to have been designed based off of Victorian English dress shirts.

For hundreds of years people in the delta and surrounding areas have been using European and European imported clothing, accessories, goods, this is also why top hats feature in so many people’s traditional wears and why Igbo people pour schnapps to ancestors.

The men’s shirts now worn ‘traditionally’ by people in eastern Nigeria, like the etibo, ishiagu, wokor, etc., may have originally been modifications of the Victorian dress shirt (pictured, c. 1860s) worn by Englishmen. Image:

‘Traditional wear’ is a very subjective term that’s come to encompass almost anything, it’s very ambiguous which is why people wear ball gowns to their traditional weddings.

It’s been suggested here before that ‘traditional’ should be whatever is handmade from scratch in a particular local area following a particular tradition, that’s, in the case of clothing, from the growing of the wool to the origins of the final motifs.

In the case of why it’s isi agụ and not isi ọdụm, this design came very recently, and the double consciousness of Western and indigenous civilisation had already confused the ultimate Igbo ‘prestige animal,’ the leopard, agụ, for the Western one, the lion.

Again, lions are nowhere near as relevant in Igbo folklore and custom as leopards are.

Genevieve Nnaji: From Lion Heart To Billionaire Status

Genevieve Nnaji is definitely pushing the needle in Nollywood. The actress has become Nollywood’s first billionaire as Netflix buys Lion Heart for N1,385,100,000($3.8 million).

The Netflix movie which as everyone buzzing as definitely brought the spotlight to Nigeria.

The Nigerian actress, film producer and director took to Twitter to appreciate the support for Lion Heart :

Lion Heart movie is Genevieve Nnaji’s directorial debut. Stars like Phyno, Nkem Owoh, Peter Okoye(Psquare), Pete Edochie and Onyeka Onwenu featured in the acclaimed movie.