Samiah Ogunlowo

<p>These women don’t rely on luck or big salaries; they adopt smart financial habits that keep them financially secure.&nbsp;</p>

<p>Whether they are students, entrepreneurs, or career professionals, their approach to money ensures they are never caught off guard by life’s financial demands.</p>

<p>If you’ve ever wondered what sets these women apart, this article explores seven key habits that help them maintain financial stability.&nbsp;</p>

<p>A woman who is never broke always knows where her money is going. She plans her expenses and sticks to her budget.</p>

<p>How to Apply: Use a budgeting app or a simple notebook to track your monthly income and expenses. Allocate funds for essentials, savings, and discretionary spending, ensuring every naira is accounted for.</p>

<h3>2. They have multiple streams of income</h3>

<p>Relying on one source of income is risky, especially in Nigeria's volatile economy. These women diversify their income through side hustles, investments, or freelancing.</p>

<p>How to Apply: Identify skills you can monetise or consider investing in small-scale businesses like baking, fashion, or online tutoring.</p>

<p>Consistent saving ensures these women are prepared for emergencies and future goals.</p>

<p>How to Apply: Automate your savings by setting aside a percentage of your income each month. Consider opening a savings account with restrictions on withdrawals to prevent impulsive spending.</p>

<h3>4. They prioritise needs over wants</h3>

<p>Financially stable women understand the difference between needs and wants. They delay gratification and avoid impulsive purchases.</p>

<p>How to Apply: Before buying anything, ask yourself if it’s a necessity or something you can live without. For bigger purchases, take time to plan and save up.</p>

<h3>5. They invest in knowledge and growth</h3>

<p>These women see education and self-development as a pathway to financial success. Whether it’s taking online courses or learning a trade, they invest in improving their earning potential.</p>

<p>How to Apply: Look for affordable online classes or workshops in your area of interest. Platforms like Udemy and Coursera offer courses on business, marketing, and tech skills at reasonable rates.</p>

<p>Rather than taking loans for liabilities like expensive phones or clothes, these women only borrow for investments or emergencies.</p>

<p>How to Apply: Use credit responsibly. If you must take a loan, ensure it’s for something that will yield returns, like expanding a business or paying for a professional course.</p>

<h3>7. They network with like-minded people</h3>

<p>Your circle often determines your financial mindset. Women who are never broke surround themselves with financially savvy individuals who inspire and challenge them.</p>

<p>How to Apply: Attend networking events, join financial literacy groups, or follow influential figures online who share tips on wealth creation and management.</p>

<p>Staying financially secure isn’t about earning millions; it’s about adopting habits that create stability and opportunities for growth. By budgeting, saving, investing in self-development, and building multiple income streams, any woman can ensure she is never broke.</p>

<p>The journey to financial freedom starts with small, deliberate steps. Adopt these habits, and over time, you’ll find yourself more confident and in control of your finances, no matter the economic climate in Nigeria.</p>

In Nigeria, where financial stability can be unpredictable, some women have mastered the art of staying afloat no matter the circumstances.

7 Habits of women who are never broke

<p>Self-reflection is essential, and taking time to ask ourselves the right questions can help move you into 2025 with a renewed sense of purpose.</p>

<p>Here are five meaningful questions to help guide you in setting and achieving goals for a more intentional, impactful year.</p>

<h3><strong>1. What do I truly want to accomplish, and why?</strong></h3>

<p>This question goes beyond just setting resolutions. Understanding your true goals means diving into “why” these ambitions matter to you. Is it financial independence, career advancement, or personal fulfilment? Reflecting on this deeper layer reveals what you value most, enabling you to prioritize accordingly and persevere when challenges arise.</p>

<p>Consider writing down your answers and goals to keep them at the forefront. Knowing your “why” will motivate you to stay on track and make it easier to dismiss distractions. This exercise can also highlight goals that may have been driven by external pressures rather than personal desire, helping you align more closely with your authentic self. </p>

<h3><strong>2. What limiting beliefs am I ready to let go of?</strong></h3>

<p>Limiting beliefs are self-imposed barriers often rooted in past experiences, fears, or societal conditioning. They can create self-doubt and cause you to second-guess yourself, holding you back from taking bold steps. Ask yourself if there are areas in your life where you’re operating out of fear instead of courage. Maybe you doubt your ability to achieve a certain career milestone, or you hesitate to pursue new relationships or experiences due to fear of rejection.</p>

<p>Letting go of these limiting beliefs requires identifying them first, and then actively challenging them. For example, if you tell yourself you’re not good enough for a promotion, reflect on your accomplishments and skills to counter that thought. Releasing these constraints can pave the way for growth and allow you to embrace new possibilities with confidence.</p>

<h3><strong>3. How am I investing in my growth?</strong></h3>

<p>Personal growth encompasses various aspects of life: career, relationships, health, spirituality, and more. Reflecting on this question involves evaluating how much time, energy, and resources you’re dedicating to each area. Are you reading books, attending workshops, or taking online courses to advance your knowledge? Are you making an effort to build meaningful relationships or invest in your health?</p>

<p>If you notice an area lacking attention, consider setting specific goals to foster growth there in the coming year. For instance, if your focus has been solely on career progression, you might aim to improve your work-life balance by spending more quality time with family and friends. By committing to consistent growth, you can create a more balanced, fulfilling life.</p>

<h3><strong>4. Am I surrounded by people who uplift and inspire me?</strong></h3>

<p>The people around you have a significant influence on your mindset, decisions, and overall well-being. This question invites you to evaluate your social circle, identifying relationships that bring positivity, encouragement, and growth. Are your friends and loved ones supportive of your goals? Are there people who challenge you to be better or inspire you to step outside your comfort zone?</p>

<p>It might be time to distance yourself from toxic relationships that drain you emotionally or discourage your progress. Instead, seek connections that align with your values and encourage your growth. Whether through social gatherings, professional networks, or faith communities, fostering positive relationships can profoundly impact your outlook and resilience in 2025 and beyond.</p>

<h3><strong>5. What’s one bold action I could take to push me toward my dreams?</strong></h3>

<p>This final question is designed to inspire action. Think about one courageous step that could bring you closer to your aspirations. It could be starting a side hustle, applying for a job in a different field, or initiating a conversation you’ve been avoiding. While fear of the unknown can hold you back, taking bold action is often the catalyst for meaningful progress.</p>

<p>Setting a specific action plan, even if it involves small steps, can give you the momentum to keep going. For example, if you dream of starting a business, a bold first step could be networking with entrepreneurs in your field or attending workshops to gain relevant knowledge. By identifying a courageous move, you set the stage for greater accomplishments in 2025.</p>

<p>Asking yourself these deep questions before the new year can help you gain clarity, direction, and confidence in your journey forward. Each question is an opportunity to peel back layers of self-doubt and unearth your true desires, building a foundation for a fulfilling and purpose-driven year. Embrace this process of self-reflection, and let your answers guide you toward a 2025 filled with growth, achievement, and joy.</p>

As we approach the end of the year, it’s natural to think about what lies ahead and the changes you want to bring into your lives.

5 Deep questions to ask yourself before 2025

<p>For many, it’s a time to reflect on achievements, goals, and the kind of person they aspire to become. As a young Nigerian man, you might be navigating career choices, financial independence, or personal development. </p>

<p>To help you make the most of your 20s, here’s a list of 30 things every man should consider before entering the next chapter.</p>

<h3><strong>1. Start a side hustle</strong></h3>

<p>Whether it’s e-commerce, graphic design, or freelancing, having an additional source of income can provide financial stability and open up new opportunities.</p>

<h3><strong>2. Save for financial goals</strong></h3>

<p>&nbsp;Start saving towards specific goals like buying property or investing. Creating this habit early will set you up for a more secure future.</p>

<h3><strong>3. Learn basic cooking skills</strong></h3>

<p>Every man should know how to cook a few staple dishes. Impress your loved ones or simply enjoy the independence that comes with knowing your way around the kitchen.</p>

<h3><strong>4. Establish a fitness routine</strong></h3>

<p>Find an exercise routine that suits you, whether it’s going to the gym, jogging, or playing football. Staying active will improve both your physical and mental health.</p>

<h3><strong>5. Develop emotional intelligence</strong></h3>

<p>Learning to manage emotions, communicate effectively, and empathise with others is essential in personal and professional relationships.</p>

<h3><strong>6. Read books by African authors</strong></h3>

<p>Broaden your perspective by exploring the works of Chimamanda Ngozi Adichie, Chinua Achebe, or Wole Soyinka. These authors offer unique insights into Nigerian culture and history.</p>

<h3><strong>7. Build a reliable network</strong></h3>

<p>&nbsp;Attend events, join professional associations, and make meaningful connections. Networking can open doors and offer support throughout your career.</p>

<h3><strong>8. Learn financial management</strong></h3>

<p>Take control of your finances by budgeting, investing, and understanding financial products. This knowledge can prevent debt and set you up for wealth-building.</p>

<h3><strong>9. Invest in quality fashion basics</strong></h3>

<p>Every man should have a few timeless wardrobe pieces. Invest in quality shirts, trousers, and shoes for a polished, professional appearance.</p>

<h3><strong>10. Volunteer in your community</strong></h3>

<p>Giving back can be incredibly rewarding. Find local volunteer opportunities where you can make a positive impact and connect with others.</p>

<h3>&nbsp;<strong>11. Create a personal brand</strong></h3>

<p>Cultivating a unique style and online presence that reflects your values and goals can be valuable for personal growth and professional success.</p>

<h3><strong>&nbsp;12. Learn a local language</strong></h3>

<p>Speaking another Nigerian language can deepen your understanding of your culture and help you connect with people from diverse backgrounds.</p>

<h3>&nbsp;<strong>13. Seek out mentorship</strong></h3>

<p>Connect with someone experienced in your field who can guide you through challenges and help you grow professionally.</p>

<h3>&nbsp;<strong>14. Start investing early</strong></h3>

<p>Explore investment opportunities like stocks, real estate, or mutual funds. The earlier you start, the more time your investments have to grow.</p>

<h3><strong>&nbsp;15. Create a bucket list</strong></h3>

<p>Write down experiences you want to have or goals you want to achieve before turning 30. It will keep you focused on living fully.</p>

<h3><strong>&nbsp;16. Travel locally</strong></h3>

<p>Explore Nigeria’s diverse landscapes, from the Obudu Mountains to the beaches of Lagos. Travelling domestically can broaden your perspective without breaking the bank.</p>

<h3><strong>&nbsp;17. Develop public speaking skills</strong></h3>

<p>Being able to speak confidently in front of others is a valuable skill that can boost your career and self-esteem.</p>

<h3><strong>&nbsp;18. Practice self-care</strong></h3>

<p>Prioritise mental and physical well-being. This can include activities like exercising, meditating, and taking breaks when needed.</p>

<h3><strong>&nbsp;19. Reflect on past failures and growth</strong></h3>

<p>Embrace your past mistakes as learning experiences. Reflecting on them can guide you toward making better decisions.</p>

<h3>&nbsp;<strong>20. Learn to manage time effectively</strong></h3>

<p>Good time management can boost productivity, reduce stress, and give you more control over your life.</p>

<h3><strong>&nbsp;21. Build strong friendships</strong></h3>

<p>Develop a reliable support network with friends who challenge you to be your best self. These relationships can last a lifetime.</p>

<h3><strong>&nbsp;22. Attend live events and conferences</strong></h3>

<p>Attend industry conferences, workshops, or other gatherings to gain insights, learn new skills, and meet like-minded individuals.</p>

<h3><strong>&nbsp;23. Explore hobbies and passions</strong></h3>

<p>Invest time in hobbies outside of work to maintain a healthy balance and discover hidden talents.</p>

<h3>&nbsp;<strong>24. Get comfortable with negotiation</strong></h3>

<p>Whether it’s a job offer or a car purchase, negotiation skills are essential. Practice to ensure you get the best possible outcomes.</p>

<h3><strong>&nbsp;25. Build digital skills</strong></h3>

<p>Mastering digital tools or coding can enhance your career, whether or not you work in tech.</p>

<h3><strong>&nbsp;26. Stay informed on current events</strong></h3>

<p>Read the news, follow reliable sources, and stay aware of both local and international events. Informed opinions add value to conversations.</p>

<h3><strong>&nbsp;27. Learn to deal with criticism</strong></h3>

<p>Handling criticism constructively can improve your relationships and make you more resilient in the face of challenges.</p>

<h3><strong>&nbsp;28. Invest in quality grooming products</strong></h3>

<p>Good grooming is essential for a polished appearance. Invest in products that work for your skin and hair type.</p>

<h3><strong>&nbsp;29. Practice gratitude</strong></h3>

<p>Focusing on the positive aspects of life can improve happiness and build resilience in difficult times.</p>

<h3><strong>&nbsp;30. Plan for the future</strong></h3>

<p>Think about where you want to be in five or ten years. Set goals and develop a roadmap to reach them, staying flexible as you grow.</p>

<p>These 30 tips aim to provide a foundation for men stepping into their 30s with purpose, skills, and resilience. They aren’t just boxes to check; they’re stepping stones to a more fulfilling life, personally and professionally. Make the most of your 20s by embracing each moment, building meaningful relationships, and continuously learning. Each of these experiences will help you grow into a well-rounded man, ready to tackle whatever life has in store for you in the next chapter.</p>

Turning 30 can feel like a significant life milestone.

For men: 30 things to do before you turn 30

<p>For many women, this age is surrounded by expectations (both personal and societal) of achieving career goals, building financial independence, and creating meaningful relationships.</p>

<p>But beyond societal norms, your twenties are a prime time for self-discovery and setting the foundation for a fulfilling life. Instead of rushing to <em>"have it all figured out,"</em> think of these years as an opportunity to grow, challenge yourself, and try new things that will enrich your life far beyond the big 30.&nbsp;</p>

<p>Here are practical things you can focus on to make the most of your twenties:</p>

<p>Discover new places and cultures by planning a solo trip. Exploring a new place on your own can build confidence and foster self-discovery.</p>

<h3><strong>2. Master a traditional dish</strong></h3>

<p>Perfect a classic Nigerian recipe, like jollof rice or egusi soup. It’s a great way to connect with your heritage and impress friends and family.</p>

<h3><strong>3. Learn a new language</strong></h3>

<p>Whether it’s Yoruba, Igbo, Hausa, or an international language like French, learning a new language can open doors to new experiences and friendships.</p>

<h3><strong>4. Build a skincare routine</strong></h3>

<p>Developing a routine suited to your skin type can boost confidence and improve long-term skin health.</p>

<h3><strong>5. Invest in a good savings plan</strong></h3>

<p>Financial independence is empowering, and having a savings cushion provides a sense of security for the future.</p>

<h3><strong>6. Confront a major fear</strong></h3>

<p>Whether it’s public speaking or heights, facing a fear head-on can help you grow and feel a renewed sense of freedom.</p>

<h3><strong>7. Read books by Nigerian authors</strong></h3>

<p>Authors like Chimamanda Ngozi Adichie and Buchi Emecheta offer insightful perspectives on Nigerian culture, identity, and womanhood.</p>

<h3><strong>8. Establish a self-care routine</strong></h3>

<p>Taking time for regular self-care can recharge your energy and improve your mental and emotional health.</p>

<h3><strong>9. Pursue a passion project</strong></h3>

<p>Use your skills to start a blog, create art, or even launch a small business. Doing something just for you can be incredibly rewarding.</p>

<h3><strong>10. Find a fitness routine you love</strong></h3>

<p>Staying active doesn’t mean gym routines only. Find a fun activity like dancing, swimming, or yoga to keep you moving and healthy.</p>

<h3><strong>11.&nbsp;network and build professional relationships</strong></h3>

<p>Building connections within your industry can open doors and introduce you to mentors and collaborators.</p>

<h3><strong>12.&nbsp;Visit an African country</strong></h3>

<p>Travel somewhere on the continent to gain a broader perspective on African culture and history, like Ghana, Kenya, or South Africa.</p>

<h3><strong>13.&nbsp;Save for a major purchase</strong></h3>

<p>Set a goal to save for something meaningful, like a laptop, car, or even an apartment deposit. Achieving this goal can be a huge confidence boost.</p>

<h3><strong>14.&nbsp;Volunteer for a cause</strong></h3>

<p>Contribute your time to a local cause that matters to you, whether it’s education, healthcare, or environmental preservation.</p>

<h3><strong>15.&nbsp;Explore new music genres</strong></h3>

<p>Broaden your musical tastes by exploring other genres different from your favorites. Music has a powerful way of shaping your outlook and mood.</p>

<h3><strong>16.&nbsp;Practice assertive communication</strong></h3>

<p>Learning to express yourself confidently and assertively can improve relationships and self-esteem.</p>

<h3><strong>17.&nbsp;Create a vision board</strong></h3>

<p>Visualise your dreams and goals by crafting a vision board. This can help you stay focused and motivated.</p>

<h3><strong>18.&nbsp;Get comfortable with public speaking</strong></h3>

<p>Being able to speak confidently in front of others can be beneficial both in your career and personal life.</p>

<h3><strong>19.&nbsp;Develop a personal brand</strong></h3>

<p>Cultivate a unique style and voice that reflects who you are, especially online. This can be helpful in both your career and personal growth.</p>

<h3><strong>20.&nbsp;Take a financial literacy course</strong></h3>

<p>Learning about budgeting, investments, and other financial skills can help you take control of your future.</p>

<h3><strong>21.&nbsp;Learn how to invest</strong></h3>

<p>Build a basic understanding of stocks, real estate, or other forms of investment to grow your wealth over time.</p>

<h3><strong>22.&nbsp;Set boundaries</strong></h3>

<p>Setting boundaries with family, friends, and coworkers is crucial for maintaining mental health and well-being.</p>

<h3><strong>&nbsp;23. Attend live events</strong></h3>

<p>Whether it’s a music concert, a literary festival, or a food fair, live events are a great way to unwind and meet new people.</p>

<h3><strong>24.&nbsp;Prioritise mental health</strong></h3>

<p>Don’t shy away from seeking help or practicing mindfulness techniques. A healthy mind is foundational to a fulfilled life.</p>

<h3><strong>25.&nbsp;Try a digital detox</strong></h3>

<p>Take a break from social media for a weekend or more. This can refresh your mind and help you reconnect with the world around you.</p>

<h3><strong>26.&nbsp;Research Family History</strong></h3>

<p>Understanding your roots and knowing your family’s journey can provide perspective and deepen connections with relatives.</p>

<h3><strong>27.&nbsp;Create a list of personal values</strong></h3>

<p>Define what matters most to you, whether it’s kindness, integrity, or self-respect. This can serve as a guide in decision-making.</p>

<h3><strong>28.&nbsp;Contribute to our community</strong></h3>

<p>Even small acts of kindness, like supporting local businesses, can make a difference in the lives of others.</p>

<h3><strong>29.&nbsp;Reflect on failures and lessons learned</strong></h3>

<p>Embrace your past mistakes and think about the lessons they taught you. This can help you move forward with resilience.</p>

<h3><strong>30.&nbsp;Practice gratitude daily</strong></h3>

<p>Make it a habit to acknowledge and appreciate the good things in life. Gratitude can lead to greater happiness and fulfilment.</p>

<p>By embracing these and other enriching experiences, you can step into your thirties not just with achievements but also with a deeper sense of self and fulfilment. Whether it's through building a career, fostering relationships, or connecting with your roots, there’s a unique beauty in embracing the journey to thirties.</p>

Turning 30 is a significant milestone that can feel both exhilarating and daunting.

For Women: 30 things to do before you turn 30

<h2>The quest for knowledge holds a central place in Islam. From the teachings of the Quran to the life of the Prophet Muhammad (PBUH), every Muslim is encouraged to seek out knowledge to strengthen their faith and better understand the world.</h2>

<p>While the Quran remains the most important book in Islam, several other texts provide insights into Islamic beliefs, practices, and history.</p>

<p>Here are five essential books every Muslim should read to deepen their understanding of the faith;</p>

<p>At the heart of every Muslim’s spiritual life is the Quran, the divine scripture revealed to the Prophet Muhammad (PBUH). The Quran serves as the primary source of guidance in all matters of faith, morality, and personal conduct. It is a compilation of divine revelations that touch upon various aspects of life, including worship, social justice, and ethical behavior. Muslims are encouraged to read, reflect, and act upon its teachings regularly. Many scholars recommend studying the Quran with commentary (tafsir) to gain deeper insight into its meanings.</p>

<h3>2) Riyad-us-Saliheen by Imam Nawawi</h3>

Riyad-us-Saliheen by Imam Nawawi (Islamic Place)

<p>Translated as "The Gardens of the Righteous," this classic work by the great scholar Imam Nawawi is a compilation of Hadith—sayings, actions, and approvals of the Prophet Muhammad (PBUH). The book focuses on key themes such as worship, piety, ethics, and social behaviour. With over 1,900 hadiths, this collection offers practical examples of how the Prophet lived his life and provides Muslims with a moral compass to navigate their own.</p>

<h3>3) Fortress of the Muslim (Hisn-ul-Muslim) by Sa’id bin Wahf Al-Qahtani</h3>

Fortress of the Muslim (Hisn-ul-Muslim) by Sa’id bin Wahf Al-Qahtani (Islamic Bookstore)

<p>This small yet profoundly influential book is a collection of authentic supplications (duas) from the Quran and Hadith. These prayers cover every aspect of daily life—from waking up in the morning to seeking protection during times of distress. It’s a practical manual for Muslims seeking to build a stronger relationship with Allah and incorporate spiritual remembrance (dhikr) into their daily routine. Its ease of use and practicality make it a must-read for every Muslim household.</p>

<h3>3) The Sealed Nectar (Ar-Raheeq Al-Makhtum) by Safi-ur-Rahman al-Mubarakpuri</h3>

The Sealed Nectar (Ar-Raheeq Al-Makhtum) by Safi-ur-Rahman al-Mubarakpuri (Iqra Agencies)

<p>For those looking to understand the life and legacy of the Prophet Muhammad (PBUH), The Sealed Nectar is a comprehensive biography that provides a detailed account of his life. It covers the Prophet’s early years, the revelation of the Quran, the establishment of Islam, and the various challenges he faced. This book is particularly valuable as it provides context for many Quranic verses and Hadiths, making it easier for Muslims to relate to the Prophet’s life and struggles.</p>

<h3>4) Al-Ghazali’s “The Alchemy of Happiness”</h3>

Al-Ghazali’s The Alchemy of Happiness (Thalia de)

<p>A profound work by one of Islam’s most renowned scholars, Imam Al-Ghazali, The Alchemy of Happiness delves into the inner dimensions of Islamic spirituality and ethics. The book explores topics such as the nature of the soul, self-awareness, and the journey toward spiritual fulfilment. Al-Ghazali’s insights into the relationship between the physical and spiritual worlds offer Muslims a deeper understanding of their purpose in life and how to achieve true happiness through obedience to Allah.</p>

<p>For Muslims striving to strengthen their connection to their faith, these five books serve as invaluable resources. While the Quran remains the cornerstone of Islamic knowledge, supplementary texts like Riyad-us-Saliheen, Fortress of the Muslim, and The Sealed Nectar provide practical guidance and deeper insights into the teachings of Islam. Each book brings a unique perspective, encouraging readers to live a life rooted in faith, righteousness, and personal growth.</p>

The quest for knowledge holds a central place in Islam. From the teachings of the Quran to the life of the Prophet Muhammad (PBUH), every Muslim is encouraged to seek out knowledge to strengthen their faith and better understand the world.

5 books every true Muslim must read

<p><strong>In a world that often places numerous demands on women, it is important to invest in yourself to live a fulfilled and empowered life.</strong></p>

<p>Women often find themselves juggling numerous roles, such as in their careers, families, or communities, leaving little time for self-care and personal growth.</p>

<p>However, investing in yourself is not just a luxury; it’s an important step toward leading a fulfilled and empowered life.</p>

<p>Taking deliberate actions to nurture your mind, body, and spirit can build a strong foundation that supports both your personal and professional aspirations.</p>

<h2>5 ways to invest in yourself as a woman</h2>

<p>Here are five meaningful ways to invest in yourself as a woman:</p>

Samiah Ogunlowo

Articles written by the author

7 Habits of women who are never broke

5 Deep questions to ask yourself before 2025

For men: 30 things to do before you turn 30

For Women: 30 things to do before you turn 30

5 books every true Muslim must read

5 ways to invest in yourself as a woman

3 ways to relieve your eyes after long screen time

5 ways you can use baby oil as an adult

5 foods that can act as natural Viagra

3 natural ways to permanently remove facial hair

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