I’m a student and fashion designer. I’m married with two kids and currently have no source of income. My husband provides, but I need more. I pity him, so I tend to manage my resources, but I need more and want more for my kids. I’m tired, confused, and don’t know what to do with my life. – Bisi, 23

Hi Bisi. Understandably, you feel a little overwhelmed as you’re balancing a lot. It’s great that you want to have your own money and contribute to the household — I’m a big advocate for that. Here are some steps I would follow:

First, look into your strengths and opportunities to make money in your field. I know you’re a student, and a full-time job may only be feasible after you graduate, but you are also a fashion designer. Can you monetise this passion by doing freelance work or selling your designs online? You must set clear goals for yourself and your business if you want to start making extra money.

Second, speak to your husband about how you are feeling. You never know鈥e could think that the amount he is giving you is sufficient because you are managing it and not voicing how you feel. You are married, and communication is key. Try to have an open discussion about your financial needs and whether he can provide more support or support you in taking steps to increase your own income.

Third, seek counsel. You mentioned that you don’t know what to do with your life. Is this from the fatigue of managing school, work, home and children? Or is there simply nothing you’re interested in pursuing? Motherhood is hard, and sometimes, being able to take a break, rest, and talk to a third party will leave you feeling recharged and energised to start again. You’ve got this.

Xoxo,

We can’t say we’re about the money and not actually help you find the money.

So we’ve compiled a list of job opportunities for you. Make sure you share this with anyone who might need it because in this community, we look out for each other.

Again, don鈥檛 mention. We gatchu.

Share this newsletter

All good things must come to an end. But not this good thing. We鈥檒l be back next week.

In the
meantime, keep reading 91大神鈥檚 articles and be sure to share the love.

See you next week…

Yours cashly,

Toheeb,

91大神’s “OG” Mr. Money

Did someone awesome send this to you?

Hi Reni. I just started earning way better than I did, not very much but it’s good (鈧�270k). I stay in Benin, I don’t make a lot of expenses except food and clearing debts which hopefully I’ll finish this month. It’s almost year end, and I need to start saving/investing and I plan to invest a huge chunk of it. But the thing is, I want to invest for the short term because of my rent due at the start of 2025. Plus, I’ll be moving to Lagos soon. I don’t know how to go about such deals. Most times investments are long term, which isn鈥檛 a priority right now. But I also don’t want to let my money sit idle in naira. What do you advise? – Hadassah, 26

Hi Hadassah, congratulations on earning more! It鈥檚 a great start. Thankfully your expenses are low so now you can put a large portion of your income towards debt and become debt free. This will free up a lot of your income towards your short and long term goals.

You need to get clear on your goals. Rent is a short term goal that you need to achieve – how much is rent going to be and how much do you currently have? Put away a set amount of money in a US domiciled savings account until you reach your goal. I would suggest that you focus on saving for the short term rather than investing for the short term. You can put it in a high interest account.

More importantly, your expenses will rise when you move from Benin to Lagos. Account for this and don鈥檛 choose your rental home based on what you can currently afford, base it on what your overall expenses will look like when you鈥檝e moved to a higher cost of living city.

I hope this helps.

Xoxo,

We can’t say we’re about the money and not actually help you find the money.

So we’ve compiled a list of job opportunities for you. Make sure you share this with anyone who might need it because in this community, we look out for each other.

Again, don鈥檛 mention. We gatchu.

Share this newsletter

All good things must come to an end. But not this good thing. We鈥檒l be back next week.

In the
meantime, keep reading 91大神鈥檚 articles and be sure to share the love.

See you next week…

Yours cashly,

Toheeb,

91大神’s “OG” Mr. Money

Did someone awesome send this to you?

Happy Salary Week

I come bearing some exciting news. You stick with us every week, so we wanted you to be among the first to know about something huge we’ve been cooking up.

For six years, Naira Life has been your window into how Nigerians earn, spend, and manage their money. We’ve sparked crucial conversations and helped countless people understand their finances. Now, we’re taking things up a notch.

Introducing The Naira Life Con: 91大神’s First Personal Finance and Wealth Building Event!

We’re bringing together the most interesting voices 鈥� from wealth builders and financial experts to entrepreneurs 鈥� for rich stories and insights about personal finance, building lasting wealth, and supercharging your career growth.

Expect bold conversations, immersive workshops, and content tracks that hand you a playbook for building real wealth. You’ll leave with clarity on your finances, a strong sense of belonging to a tribe that “gets it,” and a renewed sense of confidence about your financial future.

will be held in Lagos on August 8, 2025. And because you’re here: early bird tickets are available right now, exclusively for salary week at a 30% discount!

*This offer is only for a limited time.

Spread the word and share this link with your network:

In this letter:

• #NairaLife: This Social Media Hustler Went From 鈧�100k/Month to $3k in 5 Years. How?Love Currency: This Tech Sis Earns 鈧�750k/Month, but Her Partner Will Never Know

  鈥淚 Hit $80k, Crashed Below Zero, Then Built My Way Back鈥� 鈥� An Artist鈥檚 Wild Ride Through Digital Art, NFTs and Sculpture

  Ask Aunty M: How Do I Build My Emergency Savings Separate From My Regular Savings?

  Where The Money At?!

The 31-year-old in this #NairaLife lasted two years in the corporate life before he decided it wasn鈥檛 for him. His decision worked out.

Freelancing has helped him increase his income by over 400% in five years. Now, he wants to increase his risk appetite.

This is his #NairaLife

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*Laura (31) and *Darryl鈥檚 (33) whirlwind romance started unexpectedly, but Laura has always kept a clear head regarding money in the relationship.

For #LoveCurrency, she shares why she鈥檒l never tell Darryl how much she earns and why she isn鈥檛 bothered about their future.

Read the full story here

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In 2022, Anthony Azekwoh had made over $80k selling digital art at the peak of the NFT boom. Then one day, he crashed below zero.

Here’s how he rebuilt from scratch, creating a thriving, sustainable art business in a fast-changing creative economy.

Read the full story

You鈥檝e figured out survival鈥攏ow it鈥檚 time to unlock growth. Join 1,000+ Nigerians at The Naira Life Con by 91大神 for a day of real, raw conversations. Are you scaling your hustle, building a business, or chasing financial freedom? This is where stories meet strategy.

Expect powerful panels, top-tier speakers, and the community support you need to stack, scale and sustain wealth.

I’m a lawyer and work as a legal and compliance officer for a finance company. My monthly income is 鈧�640,000. I have side incomes from CAC, legal consulting and the like that bring about 鈧�100-鈧�150k monthly, but this is not steady. While I have a good savings culture, I’m afraid I don’t have emergency funds, and I also don’t know if my savings are commensurate with what I earn. Mind you, I have spent the past two years preparing for grad school in the US, and I honestly believe that is the next step forward for my career. In 2022, I saved about 鈧�4 million, which is down about 鈧�2.5 million. The rest went into paying for transcripts, LSAC, my parents’ hospital bills, etc. However, I’m sure that that amount should triple between now and next year’s fall. I save 鈧�300k monthly from my earnings, and I don’t know if that amount should double. I also have some investments here and there in the money market, commercial paper, real estate, shares, and dollar fixed deposits — this should be about half a million. I also want to improve oan this. I used to have self-sponsored health insurance but stopped when they failed to pay for my new glasses. It felt like I was dashing money to people who didn’t care about me. How do I have emergency savings separate from my regular savings? Also, do I need to do better with my savings? I’m the first child; although the black tax is there, it is not a must. I give what I can when I can. – Sugar, 28

Hi Sugar, thanks for writing in. Congrats on your job and your great salary + side hustles. You are very thoughtful about your finances and your life, so kudos.

The first step would be to house your emergency savings separately from all your other money. You already know how to save; you just need to have all your savings goals in separate accounts to track how much you have to reach your goal accurately. I gather that your priorities are an emergency fund, a black tax fund, and a grad school/japa fund. I suggest opening a high-interest account for each of these and contributing to them monthly. This way, if hospital bills pop up, you won’t be taking from your grad school funds to help out. You may want to consider saving in dollars for things like your grad school fund because of the devaluation of the Naira.

You also asked if 鈧�300k is enough to save. Only you can answer that because it depends on your goals and the timeframe they need to be achieved. 鈧�300k is an amazing amount if you want to save 鈧�3.6m in a year, but if you need to save 鈧�5m in a year, it’s not.

So, I want you to work backwards鈥hat are your financial goals? How long do you have to save up for them? Once you know that, you can calculate how much you need to save toward each goal to reach your goals. Also, remember to account for your expenses.

I hope this helps.

Xoxo,

We can’t say we’re about the money and not actually help you find the money.

So we’ve compiled a list of job opportunities for you. Make sure you share this with anyone who might need it because in this community, we look out for each other.

Again, don鈥檛 mention. We gatchu.

Share this newsletter

All good things must come to an end. But not this good thing. We鈥檒l be back next week.

In the
meantime, keep reading 91大神鈥檚 articles and be sure to share the love.

See you next week…

Yours cashly,

Toheeb,

91大神’s “OG” Mr. Money

Did someone awesome send this to you?

Good morning

You made it to another Monday morning. Before those email notifications take over, let’s take a quick look at this week’s stories.

First, we have a 30-year-old on #NairaLife, and she鈥檚 earning more than ever 鈥� $7k/month income and steady freelance gigs. But the money isn鈥檛 enough, or it doesn鈥檛 feel like it. Now, it鈥檚 not just about her; it鈥檚 about building a secure life for her child so that she will never worry about money like she once did. The money wins are sweet, but the pressure is still kind of constant.

Moving on to Love Currency, a couple earning a combined 鈧�4m/month and cohabiting in Lagos work. It鈥檚 been four years of splitting everything, but financial differences 鈥� and one partner鈥檚 risk aversion 鈥� are consistent struggles.

Moving on to Love Currency, a couple earning a combined 鈧�4m/month and cohabiting in Lagos work. It鈥檚 been four years of splitting everything, but financial differences 鈥� and one partner鈥檚 risk aversion 鈥� are consistent struggles.

Finally, we spoke to a woman whose banking salary grew 10x in 10 years,听 and then levelled up again when she switched sectors.

Let’s get into it.

In this letter:

• #NairaLife: The Digital Marketer Obsessed With Building Wealth for Her ChildLove Currency: The Customer Service Supervisor Cohabiting in Lagos on a Combined 鈧�4m Salary

  My Banking Salary Grew by 10x in a Decade. Then I Switched Sectors and Hit 鈧�4.5m/Month

  Ask Aunty M: How Do I Build My Emergency Savings Separate From My Regular Savings?

  Where The Money At?!

The 30-year-old in this #NairaLife struck gold with digital marketing in 2019 and really started making money in 2022. It鈥檚 2025, and she鈥檚 at her most liquid yet with a $7k/month income and a $30k portfolio.

But she won鈥檛 rest until she can provide everything her child needs.

This is her #NairaLife

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Jack* (31) and Pat* (28) have lived together since 2020.

For #LoveCurrency, Jack talks about their 50-50 arrangement, the challenges of cohabiting for so long, and his uneasiness with Pat鈥檚 risk-averse approach to finances.

Read the full story here

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*Juliana, 35, started out earning 鈧�130k/month as a banking trainee. Today, she makes 鈧�4.5M/month as a project specialist in development finance.
.

After a decade in banking, her payslips tell a story of remarkable growth and even greater impact.

This is how she made it happen.

I’m a lawyer and work as a legal and compliance officer for a finance company. My monthly income is 鈧�640,000. I have side incomes from CAC, legal consulting and the like that bring about 鈧�100-鈧�150k monthly, but this is not steady. While I have a good savings culture, I’m afraid I don’t have emergency funds, and I also don’t know if my savings are commensurate with what I earn. Mind you, I have spent the past two years preparing for grad school in the US, and I honestly believe that is the next step forward for my career. In 2022, I saved about 鈧�4 million, which is down about 鈧�2.5 million. The rest went into paying for transcripts, LSAC, my parents’ hospital bills, etc. However, I’m sure that that amount should triple between now and next year’s fall. I save 鈧�300k monthly from my earnings, and I don’t know if that amount should double. I also have some investments here and there in the money market, commercial paper, real estate, shares, and dollar fixed deposits — this should be about half a million. I also want to improve oan this. I used to have self-sponsored health insurance but stopped when they failed to pay for my new glasses. It felt like I was dashing money to people who didn’t care about me. How do I have emergency savings separate from my regular savings? Also, do I need to do better with my savings? I’m the first child; although the black tax is there, it is not a must. I give what I can when I can. – Sugar, 28

Hi Sugar, thanks for writing in. Congrats on your job and your great salary + side hustles. You are very thoughtful about your finances and your life, so kudos.

The first step would be to house your emergency savings separately from all your other money. You already know how to save; you just need to have all your savings goals in separate accounts to track how much you have to reach your goal accurately. I gather that your priorities are an emergency fund, a black tax fund, and a grad school/japa fund. I suggest opening a high-interest account for each of these and contributing to them monthly. This way, if hospital bills pop up, you won’t be taking from your grad school funds to help out. You may want to consider saving in dollars for things like your grad school fund because of the devaluation of the Naira.

You also asked if 鈧�300k is enough to save. Only you can answer that because it depends on your goals and the timeframe they need to be achieved. 鈧�300k is an amazing amount if you want to save 鈧�3.6m in a year, but if you need to save 鈧�5m in a year, it’s not.

So, I want you to work backwards鈥hat are your financial goals? How long do you have to save up for them? Once you know that, you can calculate how much you need to save toward each goal to reach your goals. Also, remember to account for your expenses.

I hope this helps.

Xoxo,

We can’t say we’re about the money and not actually help you find the money.

So we’ve compiled a list of job opportunities for you. Make sure you share this with anyone who might need it because in this community, we look out for each other.

Again, don鈥檛 mention. We gatchu.

Share this newsletter

All good things must come to an end. But not this good thing. We鈥檒l be back next week.

In the
meantime, keep reading 91大神鈥檚 articles and be sure to share the love.

See you next week…

Yours cashly,

Toheeb,

91大神’s “OG” Mr. Money

Did someone awesome send this to you?

Good morning

Do you ever wonder how marriage shapes people鈥檚 ideas of submission and financial responsibility?

This week鈥檚 Love Currency might give you something interesting to think about Among other things, the lady in the story hands over her entire salary to her husband. Why, and at what cost?

This week鈥檚 #NairaLife is another kind of relationship story 鈥� one between a woman and her gambling addiction. Even after getting her desired job, she couldn鈥檛 stop betting. Four years and 鈧�9m debt later, she鈥檚 trying to recover, rebuild, and finally make her money work for her. How’s that going?

Let’s get into it.

In this letter:

• #NairaLife: She鈥檚 Learning How to Manage Her Money After Years of Compulsive GamblingLove Currency: She鈥檚 Proving Her Love and Submission With Her Finances

  I Built a Multi-Million Naira Food Business. Now Everyone Thinks It鈥檚 Their Money Too

  Ask Aunty M: I Save 80% My Salary but I Struggle for the Rest of the Month

  Where The Money At?!

In 2021, this 33-year-old landed a job that was supposed to solve her financial struggles. However, a gambling problem influenced by her mental illness meant she still had a long way to go.

Four years and 鈧�9m in debt later, she鈥檚 finally on the road to recovery.

This is her #NairaLife

Obiex is built for people who move fast. Buy, sell, or swap BTC, USDT, and NGNX instantly. No waiting for confirmation. No fees. Just tap, swap, done.

听

Loveth* (28) and Dele* (34) have been married for almost a year, and Loveth is set on doing marriage right from the start.

For #LoveCurrency, she shares why she 鈥渟ubmits鈥� her salary to Dele 鈥� though she won鈥檛 recommend it 鈥� and her interesting approach to dates.

Read the full story here

Amina* turned a student hustle into a multi-million naira food business empire. But success made her everyone鈥檚 ATM. She left it all behind for an MBA abroad, but the billings didn鈥檛 stop.
.

This is how being the “rich friend” almost broke her.

Read here

I earn 鈧�150k/month and put aside 鈧�120k monthly to rent a place because I set a deadline for myself. I live with my mum, and it’s becoming insufferable. Then I live on 鈧�30k. But I have to borrow money at the end of the month. Any advice, please? – Cassandra, 28

Hi Cassandra. You borrow money each month because your savings rate is too high compared to your income. You are saving 80% of your income, but that isn’t realistic based on your expenses. 鈧�30k is nearly impossible to live on unless someone is covering some of your expenses. You need to figure out how much you spend every month. To do so, start tracking your expenses. Write down everything that you spend money on each month. Once you do that 鈥� let’s say you figure out that you usually spend 鈧�60k monthly 鈥� have two options.

The first option is to reduce your savings to 鈧�90k per month so you don’t have to go into debt. This will mean moving out will take you longer, but you won’t be in debt. If you are steadfast in your decision to move out by your deadline, you need to increase your income. Using the 鈧�60k example again, look for jobs or a second source of income that can account for the 鈧�60k you need to live on monthly plus your 鈧�120k savings, meaning you need to make at least 180k monthly. This will allow you to cover your monthly expenses and save without debt.

Lastly, remember that once you move out, you will incur many more expenses than when you lived at home. I’m not trying to tell you to stay home, but be realistic about how much you will have to spend once you move out, as now all food costs, rent, home maintenance, and more will be on you. I don’t want you to move out and now get into more debt trying to maintain the new home.

Try to increase your income before moving out, and ensure the place you move into is within your means, even if it means getting roommates to lower the costs.

I’m rooting for you and hope it works out.

Xoxo,

We can’t say we’re about the money and not actually help you find the money.

So we’ve compiled a list of job opportunities for you. Make sure you share this with anyone who might need it because in this community, we look out for each other.

Again, don鈥檛 mention. We gatchu.

Share this newsletter

All good things must come to an end. But not this good thing. We鈥檒l be back next week.

In the
meantime, keep reading 91大神鈥檚 articles and be sure to share the love.

See you next week…

Yours cashly,

Toheeb,

91大神’s “OG” Mr. Money

Did someone awesome send this to you?

Good morning

This week鈥檚 stories are for the tired hustlers, the silent savers, and everyone who鈥檚 ever thought, 鈥淢aybe money isn鈥檛 the problem, maybe I am.鈥�

As usual, we鈥檙e opening with NairaLife, and it鈥檚 one of those 鈥渉ow are you doing all this and still broke?鈥� stories. Yet it鈥檚 real, and painfully familiar.

This week鈥檚 Love Currency is about a couple with wildly different money habits. One鈥檚 a disciplined saver, the other just wants to enjoy life a little. The tension is palpable. And it鈥檚 got one half of the couple asking: Is this really going to work?

There鈥檚 also the hard lesson of what happens when you make a big financial leap and life pulls the rug out. In this context, it鈥檚 a 鈧�2.7m loan, a job loss, and a debt story that鈥檒l make you grab your calculator.

Let’s get into it.

In this letter:

• Naira Life: He Has Multiple Side Hustles, but He Just Wants a Stable Cash Flow
• Love Currency: This Writer鈥檚 Frugal Lifestyle Is Causing Friction in His Relationship
• I Took a 鈧�2.7m Loan to Buy a Car. Then I Lost My Job
• Ask Aunty M: I Save 80% to My Salary but I Struggle for the Rest of the Month
• Where The Money At?!

From photography to cleaning and CCTV installation, this #NairaLife subject has done it all. However, bad financial decisions have marred his various money-making ventures.

He鈥檚 recognised the pattern and is now ready to fix it. But first, he needs to find a stable income.

This is his #NairaLife

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Etim* (29) and Mandy* (25) have been dating since 2022.

For #LoveCurrency, Etim talks about the differences in their financial habits, acknowledging that he鈥檚 the saver in the relationship, and the one reason he might end their union.

Read the full story here

This 34-year-old spent his life savings, plus a 鈧�2.7m loan, on a car that was supposed to make his life easier.
.

Instead, it plunged him into debt after an unexpected job loss. It took him 15 months, but he managed to pay off his debt.

Here’s how he did it

I earn 鈧�150k/month and put aside 鈧�120k monthly to rent a place because I set a deadline for myself. I live with my mum, and it’s becoming insufferable. Then I live on 鈧�30k. But I have to borrow money at the end of the month. Any advice, please? – Cassandra, 28

Hi Cassandra. You borrow money each month because your savings rate is too high compared to your income. You are saving 80% of your income, but that isn’t realistic based on your expenses. 鈧�30k is nearly impossible to live on unless someone is covering some of your expenses. You need to figure out how much you spend every month. To do so, start tracking your expenses. Write down everything that you spend money on each month. Once you do that 鈥� let’s say you figure out that you usually spend 鈧�60k monthly 鈥� have two options.

The first option is to reduce your savings to 鈧�90k per month so you don’t have to go into debt. This will mean moving out will take you longer, but you won’t be in debt. If you are steadfast in your decision to move out by your deadline, you need to increase your income. Using the 鈧�60k example again, look for jobs or a second source of income that can account for the 鈧�60k you need to live on monthly plus your 鈧�120k savings, meaning you need to make at least 180k monthly. This will allow you to cover your monthly expenses and save without debt.

Lastly, remember that once you move out, you will incur many more expenses than when you lived at home. I’m not trying to tell you to stay home, but be realistic about how much you will have to spend once you move out, as now all food costs, rent, home maintenance, and more will be on you. I don’t want you to move out and now get into more debt trying to maintain the new home.

Try to increase your income before moving out, and ensure the place you move into is within your means, even if it means getting roommates to lower the costs.

I’m rooting for you and hope it works out.

Xoxo,

We can’t say we’re about the money and not actually help you find the money.

So we’ve compiled a list of job opportunities for you. Make sure you share this with anyone who might need it because in this community, we look out for each other.

Again, don鈥檛 mention. We gatchu.

Share this newsletter

All good things must come to an end. But not this good thing. We鈥檒l be back next week.

In the
meantime, keep reading 91大神鈥檚 articles and be sure to share the love.

See you next week…

Yours cashly,

Toheeb,

91大神’s “OG” Mr. Money

Did someone awesome send this to you?

Good morning

What happens when your partner might be 鈥� for the lack better word 鈥� your financial opp?

On this week鈥檚 Love Currency, you鈥檒l find the frustrations of a woman batling her husband鈥檚 impulsive habit of giving away their money 鈥� mostly to the church. She鈥檚 stuck between navigating this and the real need to secure their future. How are they making it work?

The subject of this week鈥檚 #NairaLife has a different kind of struggle.. Four years ago, she agreed to manager her father鈥檚 business. Now, while the money works for her, she鈥檚 wondering is she traded her dreams for a steady income.

And there鈥檚 Aliya* (22), who has been fighting for her freedom since she was 17. She shares how financial independence helped her break free from an abusive family and build a new life on her own terms.

Let’s get into it.

In this letter:

• Naira Life: The Trader Who Feels Stuck in her Family Business
• Love Currency: She鈥檚 Trying to Secure Their Financial Future, but Her Husband Might Be Her Biggest Blocker
• My Family鈥檚 Abuse Pushed Me to Become Financially Independent
• Ask Aunty M: I helped a family member pay off their debt. Now I鈥檓 stuck in a cycle of debt
• Where The Money At?!

The 26-year-old in this #NairaLife was on the verge of mapping out a potential career path before she agreed to manage her father鈥檚 business.

Four years later, her finances are in better shape, but her career prospects and sense of achievement? Not so much.

This is her #NairaLife

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Anita* (27) and Hosea* (37) have been together since 2018, but it wasn鈥檛 until they got married in 2023 that she noticed his money habits.

On #LoveCurrency, she talks about coming to terms with Hosea鈥檚 impulsive need to give all their money to the church and why they work despite that.

Read the full story

Aliya* (22) has been earning money since she was 17, primarily driven by necessity.

In this story, she shares how money brought her independence from her abusive family, allowed her to self-sponsor her education and pursue a better life.

Read the full story

I helped a family member pay off a substantial debt. To do this, I used all my emergency savings. Then things started to spiral out of control; unexpected expenses popped up, and soon I couldn鈥檛 save anymore. Worse, my income couldn鈥檛 stretch to the end of the month, so I started taking out loans. Now I鈥檓 stuck in a cycle of debt, and the interest payments are killing me. Since the start of the year, at least half of my income has been allocated to servicing these loans, and the other half barely covers my living expenses. I haven鈥檛 been able to save or rebuild my emergency savings.

I wish to hit the reset button. How do I get out of this? – Abimbola, 26

Hi Abimbola. I think it鈥檚 great that you鈥檙e self-aware and know the mistakes that got you here. It will help you get out of the situation you鈥檙e in.

The first thing I need you to do is to track your spending and know where your money is going every month. How much are you spending on your fixed expenses? This gives you a sense of how much money comes and leaves your account every month.

The next thing I need you to do is figure out how long it will take you to pay off your debt at the current rate. Let鈥檚 say you鈥檙e paying 鈧�40k towards your debt every month, how much is the total value of your loan plus interest? And how long will it take you to get out? Many people are unaware of how long it will take them to pay off their loans, which can be demotivating. Knowing how long it will take allows you to establish a timeline and determine how much you need to increase your repayment to get out of it faster.

You also have to try to make more money, unfortunately. Currently, your income is likely not enough to support the loans you鈥檙e repaying. So you could look out for opportunities to get a new job, a second job or a side hustle 鈥� something. It just needs to be consistent so you can pay more towards your debt.

Additionally, you could take a loan from a family member or a friend. With this, you will simply repay the lender every month 鈥� this is typically at a zero per cent interest rate. So you can get out without paying an exorbitant amount of money in interest payments. I want to emphasise, though, that you don鈥檛 take this and not pay your family member back. You don鈥檛 want to destroy the relationship.

Once you鈥檝e started to make a bit more money, you can begin to rebuild your emergency funds. Again, you鈥檙e very self-aware, and I know you can get out of this. I hope this is helpful. I鈥檓 rooting for you.

Xoxo,

We can’t say we’re about the money and not actually help you find the money.

So we’ve compiled a list of job opportunities for you. Make sure you share this with anyone who might need it because in this community, we look out for each other.

Again, don鈥檛 mention. We gatchu.

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Toheeb,

91大神’s “OG” Mr. Money

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