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Ask Shade

The Lady Who’s Winging It On A ₦171k Salary

By | Ask Shade, Storyland | No Comments

Every week, Zikoko seeks to understand how people move the Naira in and out of their lives. Some stories will be struggle-ish, others will be bougie. All the time, it’ll be revealing. This week’s story pulled off in collaboration with Payday Investor. Before you start to make plans about your next salary, click here. First money you earned ever? I think it was in secondary school. We made earrings in school with beads, and then we sold it on Open Day, that felt nice. Also, my mum owned a restaurant, and I’d help her with work. But my first proper earning was…

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Baby, I’ve lost my job!

By | Ask Shade, Uncategorized | No Comments

Bisola was in the kitchen when her husband, Ken returned from work. She heard him open the door and the children greet him, but he didn’t pop into the kitchen to hug her from behind as was his usual greeting. She knew something must be wrong. Wiping her wet hands on the towel hanging from the rack, Bisola took off her apron and made for the bedroom to see Ken. She found him sitting on the bed with head on his palms. She sat quietly beside him and placed an arm on his shoulder before asking “Baby, is everything alright?”…

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Ask Sade About Trusts: My Daughter is Afraid my Younger Fiancé is a Gold Digger

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I’ve found love for the first time really, and we just got engaged. Thing is, he is a bit younger than me and earns less than I do. My daughter has expressed her concern at my choice, saying my fiancé may be a gold digger and could take over all I have worked hard for, leaving us with nothing. What do I do to assure my daughter that she won’t suffer financially if I marry him? Dear Shade, I had a baby when I was 15 and this child has been my world. When everyone turned their backs, I worked hard to fend for…

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Bills? Over ₦6 Million/Year. Income? She Has No Clue

By | Ask Shade, Storyland | No Comments

The woman in this Naira Life story is 32 and loves the finest comforts of life. Get to know her. When was the first time you understood money? Ah, I think it was that time when I realised that having the money for something is not the same as having the money for something – if that makes any sense. It does. I’m listening. My family was on vacation in the States, and my dad had this thing where everyone gets their own spending money, depending on your age. So I still had some money, and I wanted to buy…

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Her Last Salary Was ₦360k, now she wants ₦1 million

By | Ask Shade, Storyland | No Comments

The lady in this story has worked in digital media (creative industry) for almost a decade. But she’s convinced that she’s just getting started. This is her story. When was the first time you knew what money was? It has to be that time I wanted to travel to the UK. Now I was living with a cousin who travelled frequently – and everyone had money to travel. My cousin was like, ah ahn, don’t you want to go? Somehow, I ended up going with her – but only after asking uncles and aunties to chip in. And even when…

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This 70-year-old Woman Sacrificed Every Kobo For One Goal

By | Ask Shade, Storyland | No Comments

Today’s story is about a Septuagenarian. She’s done everything from secretarial work to hospitality, and trade. All of this with one goal; to give the best life possible for her kids. This conversation happened in Yoruba, and this is an attempt at translating it to English, all without losing the yorubaness. Tell me about your first job. I worked at the Health Department of the Lagos City Council. I started working there in 1969, and I was 20 at the time – that’s when I got married. My salary was £16 and we used to get a Danger Allowance, because…

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Personal Financial Planning with Raphael- Principles of savings

By | Ask Shade, Investment 101 | No Comments

Joe walked into the room and greeted Ade his friend, “O boy I hail o! you no dey even ask of person” Ade, in a pensive mood, responded, “I just dey o.” What’s up with you?” said Joe. “Just worried about how to save for my financial goals and achieve set target Man! It’s just difficult to start up something.” Ade sounded very disturbed. “Each time I tried to save there is always something to spend the funds on and most times I can’t even explain what I spend the funds on and even windfall is not happening”, groaning Ade….

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Tips to Stay Healthy during the rainy season

By | Ask Shade, Living Benefits Show, Uncategorized | No Comments

It feels good when it rains and the atmosphere looks fresh and exciting  As much as the rainy season brings joy and freshness, there is also a healthy impairment of people. Due to excessive moisture in the rainy season, the biggest fear of the spread of flu, malaria, bacterial, and viral diseases remains. However, there are some tips which help you to stay healthy, away from these diseases in the month of this rain. 1. Wash your hands properly It is very important to wash hands regularly in the month of rain. We go to many places, meet many people,…

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The Entrepreneur Betting On A $20 Billion Industry From His Quiet Town

By | Ask Shade, Storyland | No Comments

Every week, Zikoko seeks to understand how people move the Naira in and out of their lives. Some stories will be struggle-ish, others will be bougie. All the time, it’ll be revealing. This week’s story pulled off in collaboration with Payday Investor. Before you start to make plans about your next salary, click here. When was the first time you made any money? That’s an interesting question because I didn’t make money until I was in my final year at school. I had this friend that cared very little about money, and life, so he drank a lot. But he was a…

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Ask Shade About Trusts: Is It Right to Name My Son as My Beneficiary and not My Wife?

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A trust is an arrangement in which an individual’s assets are transferred to a trustee to hold for the benefit of named beneficiaries. With a trust, you can not only ensure that your wealth is preserved for your son, you can even pass this wealth down through generations. Hello Shade, Is it wrong to name my son as a beneficiary in important documents instead of my wife? It’s not like I don’t trust my wife, it’s just that I can’t gamble with the future of my only son. What’s your professional advice please? – Dr. Duke, Calabar. *** Hello Dr. Duke, I must commend…

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