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# MakeMoney NG: MakeMoney is a financial enlightenment organisation that advocates for financial independence among Africans and technology utilization for business growth.



## Sitemaps
[XML Sitemap](https://makemoney.ng/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Food insecurity in Nigeria: Dangers and the way forward ](https://makemoney.ng/food-insecurity-in-nigeria-dangers-and-the-way-forward/): The issue of food insecurity has become one of the pressing issues affecting Nigeria today. It is no longer limited to a few rural communities or conflict-prone areas; it cuts across regions and income levels, including families once considered stable. Over the past two years, several global agencies have warned over and over that Nigeria is heading toward its worst hunger crisis in a decade, triggered by conflict, rising prices, unpredictable weather, displacement, and declining purchasing power.
- [Mining rare metals in Africa: Who benefits when demand grows](https://makemoney.ng/mining-rare-metals-in-africa-who-benefits-when-demand-grows/): Africa is home to rare metals like tungsten, cobalt, and lithium, which power electric vehicles, green energy, robotics, defense systems, and many more. Cobalt is for battery production; lithium is for rechargeable cells; tungsten, for applications in high temperatures and tools. Having large deposits of some of these inputs is what puts Africa on the map. Who benefits from the rising global demand in Africa: governments, communities, multi-nationals, or middlemen in the supply chain? This is a very simple question, but it has huge consequences for the communities, economy, and the whole Africa at large.
- [Nigeria’s new wildlife protection law and its wider implications](https://makemoney.ng/nigerias-new-wildlife-protection-law-and-its-wider-implications/): A silent crisis for Nigeria's wildlife has been in the making for years. Pangolins vanished from the forests. Elephants became hunted. Protected wildlife species became transformed into international market commodities. The slight punishment afforded by the court allowed traffickers to treat it as a cost of doing business. However, this is finally changing. The new wildlife protection legislation acknowledges environmental crimes as serious crimes. This chapter examines what the new law entails regarding the why and how it could redefine conservation and enforcement across the country.
- [Japa vs staying in Nigeria: Pros and cons](https://makemoney.ng/japa-vs-staying-in-nigeria-pros-and-cons/): Japa, the current favorite slang, has become one of the most discussed decisions for many Nigerian youth. At its core, Japa is about migration: leaving Nigeria for another country in expectation of a better quality of life, opportunities, and stability. Japa is a very emotional and complex concept. It embodies hope, despair, sacrifice, loss, ambition, and at times, sheer desperation. The decision is rarely only about money or jobs; it impacts family, identity, mental health, and long-term plans.
- [Building a dollar savings account in Nigeria](https://makemoney.ng/building-a-dollar-savings-account-in-nigeria/): Saving in dollars offers undoubted benefits to Nigerians, from protecting against the inflation and devaluation of the naira to paying for services in currencies other than the local naira. Hence, if you are saving for wealth preservation, school, travel, or merely a hedge against the fluctuations of the naira, having a dollar savings account in Nigeria will benefit you. This requires knowledge of the various viable options available, regulations that you have to comply with, and trade-offs between ease of access, cost, and safety, which will all be covered in this article. 
- [What Nigerians should expect in 2026](https://makemoney.ng/what-nigerians-should-expect-in-2026/): As 2026 approaches, it becomes clear that Nigerians are standing at a crossroads. The new tax regime coming into effect has left many uncertainties for Nigerians. Economically, politically, technologically, and even in all dealings of everyday life, change is imminent, whether for better or worse. The kind of change that happens, however, will be largely determined by policy choices and global forces. And of course, the response of the citizens will matter. In this article, I will discuss what Nigerians should expect in 2026, so if you are uncertain about how your life will change as a Nigerian in the new year, then this article is for you. 
- [6 opportunities in Africa’s booming tourism industry](https://makemoney.ng/opportunities-in-africas-booming-tourism-industry/): Africa’s tourism industry is in an interesting state of transition from recovery to growth, and this growth comes with many opportunities. After the pandemic setback, the travel sector on the continent has regained its glory days. International arrivals are on the rise, investors are going back, and governments are actively marketing their countries as must-see places. The nature of Africa's diverse landscapes and rich cultures is captivating global attention with safari adventures, cultural engagement, wellness retreats, and digital-nomad hubs.
- [10 online businesses you can start with $100 anywhere in the world](https://makemoney.ng/online-businesses-you-can-start-with-100-anywhere-in-the-world/): In this fast-paced world, opportunities nowadays do not come tied to millions of dollars or offices. All one needs is a laptop with internet access and a mere $100, and they can begin building a business reaching customers from continent to continent.
- [How Nigeria’s new tax laws affect small businesses](https://makemoney.ng/how-nigerias-new-tax-laws-affect-small-businesses/): The new tax law came with mixed feelings. On one hand, it obviously seeks to simplify and protect small businesses, while on the other, it creates panic because entrepreneurs will always have difficulty implementing new rules. 
- [Unified oil regulations in Africa: The possibilities ahead](https://makemoney.ng/unified-oil-regulations-in-africa-the-possibilities-ahead/): The oil and gas sector in Africa has been characterized by fragmented regulatory frameworks that differ widely from country to country, and have caused considerable confusion among the public. These have exposed investors to uncertainties, increased transaction costs, and slowed the pace of regional integration. The winds of change are blowing through the continent's oil affairs today, with a growing call for unified oil regulations across the continent. 
- [The implications of the US arms deal for Nigeria’s security and budget](https://makemoney.ng/the-implications-of-the-us-arms-deal-for-nigerias-security-and-budget/): Security issues shaped Nigeria's landscape for decades, from insurgency in the north-east, banditry in the northwest, militancy in the Niger Delta, and separatist conflicts up to the southeastern parts of Nigeria. To cope with all these challenges, Nigeria frequently sought international defense partnerships, with the United States being one of the major allies. Recently, the US has approved a multi-billion-dollar arms deal with Nigeria comprising advanced aircraft, helicopters, surveillance equipment, and training programs.
- [Nigeria’s role in the AFRIPERF framework and implications](https://makemoney.ng/nigerias-role-in-the-afriperf-framework-and-implications/): In the lead-up to the historic launch of the African Petroleum Regulators Forum (AFRIPERF) in September 2025, Nigeria is taking a pioneering role by working to harmonize petroleum regulations across the continent, strengthen transparency, and attract greater investment into Africa’s oil and gas industry. The project, which involved the collective signing of the charter by many of the regulatory bodies from the African countries, attempts to reduce the fragmentation prevalent in national regulatory regimes and establish clearer directives on cross-border projects, emission management, digitalization, and other emerging priorities. 
- [Review: The economic impacts of the state of emergency in Rivers State](https://makemoney.ng/review-the-economic-impacts-of-the-state-of-emergency-in-rivers-state/): In March 2025, the Federal Government of Nigeria declared a state of emergency in Rivers State, following months of political conflicts, violent clashes within communities, and interference with governance. The reactions to this decision have been mixed; some view it as a step toward restoring law and order, while others believe it will weigh heavily on the economy. It was finally lifted in September 2025, but the economic impacts remain. 
- [How suspension of the FOB levy affects Nigerian importers and consumers](https://makemoney.ng/how-suspension-of-the-fob-levy-affects-nigerian-importers-and-consumers/): In the middle of 2025, Nigeria's government introduced the 4% Free On Board (FOB) levy on imports under the Nigeria Customs Service Act 2023, aimed at reducing customs fees by substituting certain smaller levies (including cost of collection and process fees under the Comprehensive Import Supervision Scheme, CISS). The levy was vehemently opposed by importers, manufacturers, and consumer groups, citing that it would increase costs for businesses, stoke inflation, and hamper the competition of trade. The concerns that followed forced the government to suspend the FOB levy to allow for a broader consultation and review of the levy framework.
- [How to monetize cultural festivals online](https://makemoney.ng/how-to-monetize-cultural-festivals-online/): Cultural festivals express the richness of tradition, history, and creativity and present opportunities to bring people together through arts, music, food, dance, and ritualistic events. Traditionally, cultural festivals have been funded through governments or cultural organizations, or through physical attendance ticket sales. But with globalization and digitalization, cultural festivals can exist beyond the reach of on-ground participants. With the right online marketing strategies, a cultural festival can reach an audience beyond national frontiers for purposes of visibility and monetization.
- [How remote workers can accept payment in crypto’s stablecoins](https://makemoney.ng/how-remote-workers-can-accept-payment-in-cryptos-stablecoins/): Millions of people all over the Earth have benefited from remote working. You may be a freelance writer residing in Lagos, a software developer in Buenos Aires, or a designer in Manila, and the internet will forge a connection between you and any client in the world. Of several challenges that remote workers face, one that is particularly daunting and paramount to their careers is how to get paid fairly, quickly, and without losing a large chunk of their earnings to fees. 
- [Key details to know about Nigeria’s new tax law](https://makemoney.ng/key-details-to-know-about-nigerias-new-tax-law/): Last year, Nigeria introduced massive tax reforms in order to modernize its revenue system, address equity issues, and hence, generate more income for the government, given fiscal deficits that have become chronic. And even as it became important for individuals and businesses to know about these compliance changes, it was more about forecasting financial futures. This article addresses Nigeria's new tax law.
- [Risks and scams in the Nigerian crypto space and how to avoid them](https://makemoney.ng/risks-and-scams-in-the-nigerian-crypto-space-and-how-to-avoid-them/): In recent years, cryptocurrency has grown to become one of the most prominent investment options in Nigeria. From Bitcoin to Ethereum and newer altcoins, a good number of Nigerians have increased their crypto investments as a means of hedging wealth against inflation, participating in global finance, and seeking financial freedoms. In fact, Nigeria always ranks among the top countries displaying global crypto adoption, where millions of users trade and invest in cryptocurrency daily.
- [How African content creators can monetize TikTok and YouTube effectively](https://makemoney.ng/how-african-content-creators-can-monetize-tiktok-and-youtube-effectively/): Globalization has ushered in a new era in the TikTok and YouTube landscape, attracting creators from diverse backgrounds to exert influence, showcase creativity, and build fortunes. In Africa, the changes have transcended just providing entertainment to the masses; they are the gateway to financial independence, a medium of expression, and a path to global recognition. Content creation has become a refuge for most youths in Africa as a way to avoid unemployment and gain financial self-sufficiency.
- [How Nigerians circumvent CBN crypto restrictions](https://makemoney.ng/how-nigerians-circumvent-cbn-crypto-restrictions/): Nigeria's cryptocurrency industry is one of the most vibrant and rapidly expanding sectors in the world. Inflation, naira instability, and restrictive access to traditional finance have driven many Nigerians toward digital assets as a hedge against inflation and a means of connecting with the world. In 2021, the Central Bank of Nigeria (CBN) directed financial institutions not to accept any transactions related to cryptocurrencies, which ironically did not stifle crypto activity altogether but drove it underground. The market did not just vanish; it reconfigured itself to be very quick and informal, not to mention frequently opaque.
- [Exporting goods from Africa: A beginner’s guide to global markets](https://makemoney.ng/exporting-goods-from-africa/): Over the last few years, Africa has made an increasingly significant contribution to being a player in global trade. Whether it is cocoa from West Africa, coffee from East Africa, textiles from North Africa, or minerals in Southern Africa, the continent is rich in resources that everyone in the world depends on. Yet for several small business owners and entrepreneurs, exporting anything beyond national borders seems to be a distant dream. Long and tedious regulations, oblivion about the global markets, and logistical costs generally deter people from venturing into exports.
- [Blueprint for starting a faceless YouTube channel](https://makemoney.ng/blueprint-for-starting-a-faceless-youtube-channel/): The YouTube platform has evolved into much more than just a place to search for entertaining videos. It has grown to become one of the most dynamic channels for establishing businesses, personal brands, and streams of passive income. However, going on camera is not something all individuals cherish. Some people are camera-shy, some prefer their privacy, and many wish to share their ideas, not their face or personality. This is where faceless YouTube channels come into place. 
- [Low-risk digital products that you can sell globally](https://makemoney.ng/low-risk-digital-products-that-you-can-sell-globally/): In today's fast-growing digital economy, selling digital products is more lucrative than physical goods, which require so much upfront investment and risk. Selling physical goods involves processes of inventory, shipping, and storage, while digital goods can be sold repeatedly to a worldwide customer base with little work after they have been created.
- [Opportunities in the African agribusiness market](https://makemoney.ng/opportunities-in-the-african-agribusiness-market/): The African agri-business market is considered the "sleeping giant" of the global food market. Africa has a vast farming land, with a large young population and rising food demand, and hence the agribusiness section of Africa is more than just farming; it is a trillion-dollar industry waiting to happen. FAO (Food and Agriculture Organization) estimates that Africa occupies about 60% of the uncultivated arable land in the world, yet it imports billions of dollars in food annually. This paradox underscores the challenges and opportunities in the sector.
- [Best laptops for remote work in 2026](https://makemoney.ng/best-laptops-for-remote-work/): Remote working has matured from an experimental phase during the pandemic to a lasting working model for millions. This means your laptop has progressed a step further from being merely a useful device; it is the centerpiece of your professional life. The right laptop keeps you productive and connected without the stress of sluggish performance, poor battery life, or technical glitches. The wrong one can easily convert everything into a great struggle.  
- [How to buy land in Nigeria without being scammed](https://makemoney.ng/how-to-buy-land-in-nigeria-without-being-scammed/): Buying land is one of the smartest investments you can make in Nigeria. Whether it is for building a home, engaging in farming, or securing land for future resale, land is an asset that appreciates with time and holds value in the long run. It is, however, also considered one of the most dangerous investments due to rampant fraud, fake documentation, and land disputes.
- [How to save ₦500,000 in 6 months (budgeting plan)](https://makemoney.ng/how-to-save-%e2%82%a6500000-in-6-months-budgeting-plan/): Saving ₦500,000 in six months probably sounds impossible, particularly if you are a modest earner. But with the right mindset, good planning, and a few lifestyle changes, it can happen. It won't be easy, but the journey will be worthwhile.
- [Highest-yield interest rates on Nigerian digital banks](https://makemoney.ng/highest-yield-interest-rates-on-nigerian-digital-banks/): For most Nigerians, saving money means depositing money into the local bank, locking it away, and hoping it doesn't get lost. Physical banks typically offer very low interest rates. Savings accounts earn less than 2% annually, and when you take into account taxes and fees, the returns are negligible.  
- [AI-powered side hustles you can start](https://makemoney.ng/ai-powered-side-hustles-you-can-start/): Most of us are unsatisfied with our current income. We want to own houses, have more savings, and generally live better than our main income can afford. However, it is quite hard to find the time, money, and energy to dedicate to a side hustle, especially if you are a full-time worker, a student, or someone who has children to take care of. Thankfully, AI has made things easier. 
- [Investing in Nigeria from the diaspora: what you need to know](https://makemoney.ng/investing-in-nigeria-from-the-diaspora-what-you-need-to-know/): Leaving Nigeria never means giving up the dream of building something at home. For many diaspora Nigerians, the personal desire to invest back home is family-oriented, about creating a legacy, securing future roots, or giving back to a country that raised them.
- [Internship opportunities for Nigerian students in 2026](https://makemoney.ng/internship-opportunities-for-nigerian-students/): An internship can be an unnecessary career detour or a stepping stone towards a fulfilling career, depending on how you go about it. Nigeria has a high unemployment rate and an uncertain job market, so interning in the right organization can be a step in the right direction. Most employers are unwilling to train recruits from scratch, but expect even fresh graduates to have some exposure, skills, a sense of direction, etc. This is where an internship comes in.
- [How to launch a skin care brand in Nigeria](https://makemoney.ng/how-to-launch-a-skin-care-brand-in-nigeria/): Today in Nigeria, skincare means more than beauty; it is a necessity. Be it teenage acne, rashes from keke rides, hormonal hyperpigmentation, or just the deep yearning to glow — everybody wants something that works. And these solutions are not only sold by big companies. It is sold by individuals: young men and women out to turn their passion into profit, sometimes from their kitchens, sometimes from mini-labs, but always with an eye on the big prize.
- [Starting a fashion line in Nigeria: from concept to the market](https://makemoney.ng/starting-a-fashion-line-in-nigeria/): Starting a fashion line in Nigeria is a bold dream, and one many have dared to dream. For some, it's all about passion: a profound love for fabric, colors, and design. For others, it's all about survival; an attempt to avoid unemployment or to transform a side-hustle into a serious venture. But, for most of them, it somehow blends: purpose and profit.
- [Sola Sobowale Unveils Ilu Aseyori, Africa’s Premier Agro Smart City, Where Nigerians Can Now Own Profitable Oil Palm Plantations](https://makemoney.ng/sola-sobowale-unveils-ilu-aseyori-africas-premier-agro-smart-city-where-nigerians-can-now-own-profitable-oil-palm-plantations/): From the success of Palmrich Estate, a multi-phase oil palm plantation project, to the unveiling of Ilu Aseyori, Africa’s premier Agro Smart City, Assetrise Limited continues to lead a new wave of agro-driven prosperity. The historic launch held in Onigbedu, Ogun State, was further elevated by the grand reveal of legendary actress Sola Sobowale as the company’s Brand Ambassador.
- [Food delivery service in Nigeria: Opportunities and challenges](https://makemoney.ng/food-delivery-service-in-nigeria/): Food is always in high demand in Nigeria. Whether fuel crisis, a currency crash, or public holidays, people will eat food. Traditionally, people will either have to cook their food or visit a restaurant to eat. However, food deliveries are increasing in demand these days due to the ease and convenience that comes with them. 
- [Importing cars into Nigeria: A step-by-step guide](https://makemoney.ng/importing-cars-into-nigeria/): Across Nigeria today, the most popular way, whether for personal or business reasons, to achieve a lifestyle upgrade or acquire wealth is to import a car. The car importation business has expanded to the extent that almost every middleman in Lagos knows someone who can "bring you a car from Cotonou or America."
- [The business of music: How Nigerian Artists make money](https://makemoney.ng/how-nigerian-artists-make-money/): The perception of music as art and entertainment is ingrained in people. They listen to a trending song, perhaps attend a concert, and that is all to it. Behind the scenes, however, lies a business machine behind every hit record or viral moment. One that, when run well, prints money.
- [Nigerian Real Estate: Lessons from the scandals of PWAN and Sujimoto](https://makemoney.ng/nigerian-real-estate-lessons-from-the-scandals-of-pwan-and-sujimoto/): In Nigeria, real estate is often synonymous with wealth, status, and long-term security. For many, it is considered a safe investment hedge against inflation and a ticket to financial freedom. However, the glittering veneer of the real estate market in Nigeria appears to be wearing off. Behind the well-polished, carefully designed ads in glossy Instagram publications and billboards lies a shadier side that every investor ought to take note of.
- [10 Lessons from the CBEX Ponzi Scheme](https://makemoney.ng/lessons-from-the-cbex-ponzi-scheme/): The CBEX Ponzi Scheme is a ghastly reminder that thousands could be herded into an avoidable ruin by the forces of financial desperation, negligence in due diligence, and promises of quick riches. Like many Ponzi schemes, CBEX lured the innocent into its embrace with glitzy returns and confident testimonials, all skillfully marketed on a suave platform that disguised a faulty and fraudulent business model underneath. 
- [10 Best Remote Jobs for Africans Hiring Right Now (2026)](https://makemoney.ng/best-remote-jobs-for-africans-hiring-right-now/): Remote work is no longer a privilege of the Western world. Today, Africans are building international careers right in the comfort of their homes. Thanks to technology and the demand for digital skills, many opportunities that were previously unreachable are now open. Whether it is escaping unemployment, earning in dollars, or gaining international experience, remote work is an extremely beneficial career choice for Africans. 
- [10 Best Agro-business Ideas in Africa (2026)](https://makemoney.ng/best-agro-business-ideas-in-africa/): Agriculture has long been a major source of income for many nations around the world, especially in Africa, a continent blessed with fertile land. The African Development Bank estimates that by 2030, the continent's agricultural economy will be worth $1 trillion. As a result, African agriculture will emerge as the continent's new oil, driving continent-wide prosperity. 
- [10 Financial mistakes to avoid before turning 30](https://makemoney.ng/financial-mistakes-to-avoid-before-turning-30/): Making mistakes while you are young is normal, particularly when it comes to money. However, some mistakes are best avoided. The optimum time to develop sound financial habits is before you turn 30. There are some mistakes that you need to steer clear of to position yourself for financial success. In this article, I will discuss the 10 financial mistakes to avoid before turning 30. 
- [How to start an AI-powered business for steady income](https://makemoney.ng/how-to-start-an-ai-powered-business-for-steady-income/): Artificial intelligence (AI) has altered the technical landscape in many fields. New advancements have given companies greater tools to examine data, streamline processes, offer better customer service, and evaluate ideas. With around 70,000 companies currently in the AI space, these developments have accelerated the growth in the startup scene.
- [Top 10 business funding options in Africa](https://makemoney.ng/business-funding-options-in-africa/): Starting or scaling a business in Africa is not for the weak. It takes great strength to overcome the various roadblocks, especially when funding is hard to come by. You may have the greatest idea and the strongest will, but your vision will quickly fall apart without the capital to start. 
- [My unbiased experience with Flexclip video editing platform](https://makemoney.ng/my-unbiased-experience-with-flexclip-video-editing-platform/): In the ever growing digital space, the need to have an effective video editing platform is becoming considerably important. One reason is that people are now becoming self-reliant and looking to learn the software on their own, instead of hiring an agency for an exorbitant amount of money. While agencies are really good if you have capital, the constant happenings globally and people looking to see the video content of the situation have become irreplaceable. Thus, in such situations, hiring a digital agency is becoming heavy on the bank account. 
- [The Impact of Artificial Intelligence on Nigerian Businesses](https://makemoney.ng/the-impact-of-artificial-intelligence-on-nigerian-businesses/): The topic of AI-induced transformation is a very interesting one. It is generally anticipated that this next revolution will have an even more significant impact on society than the Internet did. Artificial intelligence has found remarkable uses in a variety of sectors, including business. Business processes are being redefined, and employment positions are being created, altered, and eliminated, already affecting economies. 
- [How to get started with online freelancing in Nigeria](https://makemoney.ng/how-to-get-started-with-online-freelancing-in-nigeria/): Online freelancing has become very popular in Nigeria over the last several years. With more internet access, affordable smartphones, and digitalization, especially among the youth, freelancing has become rampant in Nigeria. People are looking for alternative income sources due to a high unemployment rate, and the establishment of online platforms like Fiverr, Upwork, Freelancer, and Toptal has opened doors for many Nigerian freelancers worldwide. 
- [The future of fintech in Nigeria: Challenges and opportunities](https://makemoney.ng/the-future-of-fintech-in-nigeria-challenges-and-opportunities/): Over the last few years, the growth of the Fintech industry in Nigeria has been rapid, as evidenced by increasing adoption of digital financial services by the masses, rising investment activity, and the establishment of indigenous Fintech companies. 
- [10 Things that can kill your dreams in Africa](https://makemoney.ng/things-that-can-kill-your-dreams-in-africa/): Chasing your dreams is always filled with challenges and hurdles, no matter where you are in the world. If you are living in Africa, many things will stand in the way of you being able to achieve your dreams, and sometimes, they may be powerful enough to kill your dreams. 
- [10 High-yield investment opportunities in Africa](https://makemoney.ng/10-high-yield-investment-opportunities-in-africa/): Africa has long been overlooked as a worthwhile investment option. However, the African economy is expanding quickly, and consumer markets are becoming more sophisticated. Africa offers a wealth of commercial and investment options for those willing to tap into its emerging market and growing economy. 
- [How to monetize social media in Nigeria](https://makemoney.ng/how-to-monetize-social-media-in-nigeria/): Almost every Nigerian who has a smartphone has a social media account. If we’re being honest, social media is addictive and takes up more of our time than we’re supposed to give. If you’ve fallen into the habit of scrolling through social media instead of doing more productive things like making money, you’re not the only one. 
- [What is the difference between bank and microfinance?](https://makemoney.ng/what-is-the-difference-between-bank-and-microfinance/): The two major players in the financial world are banks and microfinance institutions. They are both part of the same industry, and in general, their roles are similar. They provide financial services to individuals and businesses. But their similarities stop there. They differ in so many ways, including their target audience, how they operate, and the regulatory bodies governing them. 
- [Challenges and advantages of doing business in Africa](https://makemoney.ng/challenges-and-advantages-of-doing-business-in-africa/): Some of the world's fastest-growing economies and consumer markets are found in Africa, and in recent years, household consumption on the continent has surpassed the average GDP growth rate worldwide. 
- [How to leverage the gig economy for business growth](https://makemoney.ng/how-to-leverage-the-gig-economy-for-business-growth/): Businesses that learn to take advantage of the gig economy will be able to develop at a never-before-seen pace. The gig economy is known to thrive in unstable market shifts where all other forms of employment and recruitment fail. 
- [Why DStv is falling apart](https://makemoney.ng/why-is-dstv-failing/): DStv is losing dominance in the African digital entertainment scene, and we are all wondering why. 
- [Dangote vs NNPC fuel: truth and lies](https://makemoney.ng/dangote-vs-nnpc-fuel-truth-and-lies/): The cost of fuel in Nigeria has increased by almost 2000% in the last decade. The percentage might be surprising, but that's our Nigerian reality. The major cause of this steep increase was the removal of fuel subsidies by the government.
- [How to use behavioral economics to increase sales](https://makemoney.ng/how-to-use-behavioral-economics-to-increase-sales/): Emotion, rather than logic is the major driving force of the decision-making process of customers. This is why the behavioral economics model is a much better approach than the conventional economics model. 
- [Top 10 female entrepreneurs in Africa (2026)](https://makemoney.ng/top-female-entrepreneurs-in-africa/): Compared to their Western counterparts, African women are often denied the opportunity to freely share their opinions and experiences. As a consequence of the increase in education, African women are starting to feel more independent and welcome the opportunity to become more entrepreneurial.
- [Top 10 female entrepreneurs in Nigeria (2026)](https://makemoney.ng/top-female-entrepreneurs-in-nigeria/): The world of business is typically considered to be dominated by men, but several women have taken it by storm. Nigerian women are not only holding up well in the business world, but many stand at the top as the best. 
- [10 Best AI tools for job search (2026)](https://makemoney.ng/best-ai-tools-for-job-search/): The job market is extremely competitive, and job search can be difficult and time-consuming. You may have all the skills needed to land a job but still end up unemployed. 
- [How to Trade Multipliers on Deriv](https://makemoney.ng/how-to-trade-multipliers-on-deriv/): Imagine how good it will be to have all the benefits of leverage trading, without having multiplied losses. Imagine the peace of knowing you’ll never lose more than your stake. That's exactly what happens when you trade multipliers on Deriv.
- [10 Most important AI tools for business (2026)](https://makemoney.ng/most-important-ai-tools-for-business/): Managing a business, no matter how small is hard work. There are so many things to be done and so little time, so the tasks can seem endless and unachievable. Artificial intelligence makes everything easier, so if you want to reduce your workload it is wise of you to use it. 
- [How to leverage mobile money and FinTech to earn passive income](https://makemoney.ng/how-to-leverage-mobile-money-and-fintech-to-earn-passive-income/): Africa, and particularly sub-Saharan Africa, is a region that has traditionally had limited access to formal financial services like credit, insurance, banking, and financial technology is currently enjoying considerable expansion in the FinTech industry.  Many individuals in the area, especially low-income families, have profited from the possibilities this technology has made available in recent years, and they are increasingly employing FinTech technologies in more sophisticated ways.  
- [10 Best AI tools for freelancers (2026)](https://makemoney.ng/best-ai-tools-for-freelancers/): Finding the right tools to utilize when freelancing may be time-consuming and unpleasant. Thousands of AI and productivity tools exist, and they all boast about being the greatest at what they do. You will feel bad or experience a fear of missing out if you don't jump on board and try them all out. 
- [10 Ways to leverage AI for small business growth](https://makemoney.ng/ways-to-leverage-ai-for-small-business-growth/): There are several ways artificial intelligence (AI) can help small businesses grow, so if you are a small business owner, AI should be one of the weapons in your arsenal. 
- [How to Deposit and Trade PI Network (Pi) on Bitget](https://makemoney.ng/how-to-deposit-and-trade-pi-network-pi-on-bitget/): If you’ve been waiting to trade Pi Network (PI) tokens, the moment is finally here. Bitget, one of the world’s most respected crypto exchanges, has officially signed up to list PI as it transitions to its Open Mainnet on February 20, 2025. This marks a huge leap for Pi Network, a project that’s grown from a mobile mining experiment into a global blockchain ecosystem. Let’s break down how you can get involved. For Nigerians, other Africans and Europeans, Bitget is the best option.
- [Pi open network set to launch on February 20, 2026](https://makemoney.ng/pi-open-network-set-to-launch-on-february-20-2025/): In a groundbreaking announcement shared by the Pi Core Team on X, the long-awaited Pi Open Network is officially set to launch at 8 a.m. UTC on February 20, 2025. The milestone, confirmed by the Pi Core Team via X (formerly Twitter), marks the culmination of a journey that began in 2019, transforming the project from a mobile mining experiment into a robust, utilities-driven blockchain ecosystem.
- [How to make money from real estate without buying property](https://makemoney.ng/how-to-make-money-from-real-estate-without-buying-property/): One of the most profitable ventures for anybody to invest in is real estate. Because real estate usually increases in value, with very few exceptions, investing in real estate ensures a return on your investment.
- [10 Tips to survive bad government in Africa ](https://makemoney.ng/tips-to-survive-bad-government-in-africa/): Africa is one of the most blessed continents in the entire world, with abundant natural resources, wildlife reserves, beautiful landscapes, and a resourceful population. Despite this, Africa still remains the poorest and most underdeveloped continent in the world. 
- [Making money with your car in Nigeria: Uber, Bolt & more](https://makemoney.ng/making-money-with-your-car-in-nigeria/): There are times when owning a vehicle in Nigeria becomes a necessity instead of a luxury, but the maintenance cost deters many from owning one. Having a car doesn’t have to be a liability because you can make money with your car. 
- [10 Skills Employers Are Looking For in 2026](https://makemoney.ng/skills-employers-are-looking-for/): Whether you are currently looking for a new job, trying to get promoted in your current job, or just want to retain the job you currently have, you mustn’t get left behind in 2024. Things have changed, and your current skills may not meet the expectations of employers around the world. If you want to remain competitive, then you must upskill. 
- [The future of remote work: trends and predictions](https://makemoney.ng/the-future-of-remote-work/): The prevalence of remote work increased steadily over the years and skyrocketed in 2020 due to COVID-19. Since then, it has more or less become the norm for many employers and employees. 
- [How to use the time-weighted rate of return (TWR) formula](https://makemoney.ng/how-to-use-the-time-weighted-rate-of-return-twr-formula/): Finding the most effective way to gauge investment returns and portfolio performance may be difficult for investors. One of the most popular methods for achieving this is the time-weighted return.
- [How to scale your business without taking on debt](https://makemoney.ng/how-to-scale-your-business-without-taking-on-debt/): Scaling your business without taking on debt is not impossible, but it is easier said than done. You need money to scale and your current savings might not cover the costs. You might think the only way to gain the revenue you need is to get a loan, but you can scale your business without taking on debt. 
- [What you need to know about forex trading hours and market sessions](https://makemoney.ng/what-you-need-to-know-about-forex-trading-hours-and-market-sessions/): How does Forex trading work? The foreign exchange, or forex market is the biggest and most liquid financial market in the world, with over $6 trillion in trading volume every day. Because it is decentralized, it allows trading at any time, which gives traders from all over the world easy access. However, understanding forex trading hours and market sessions is crucial for maximizing profitability and minimizing risks.
- [How to use email marketing for your business](https://makemoney.ng/how-to-use-email-marketing-for-your-business/): If you believe that email marketing is ineffective in the social media age, you are wrong. One of the best strategies for promoting your goods and services and establishing your brand is via email marketing. 
- [Martingale System: What is it and how does it work?](https://makemoney.ng/martingale-system/): The Martingale System is a technique that is used by gamblers, but has been adopted as an investing technique, and is now being used by investors. This technique doesn’t rely on strategy or technique, but on luck so it is a highly unpredictable system to employ while investing. There is great risk involved, but if luck is on your side, you might end up with great winnings. 
- [How to use dollar cost averaging to build wealth](https://makemoney.ng/how-to-use-dollar-cost-averaging-to-build-wealth/): The best investors are those who have complete control over their emotions while making logical investment choices. However, that is easier said than done, which is why many investors employ dollar-cost averaging to assist them in controlling risk and take emotions out of the equation when making investment choices. 
- [How to transition from employee to entrepreneur](https://makemoney.ng/how-to-transition-from-employee-to-entrepreneur/): You may be tempted just to quit your job and start a business the moment you get sick of your job, but the transition from employee to entrepreneur takes time and planning. 
- [How to achieve financial freedom in 2026](https://makemoney.ng/how-to-achieve-financial-freedom/): Unless you are currently a billionaire, you understand quite well how hard money is to make and how easy it is to spend. When you consider your income and the lifestyle you want for yourself and your family, you realize you have a long way to go. You either have to wait a long time or work hard. But what if I tell you that you can skip the wait and achieve financial freedom now without doing all that work? 
- [How to become a millionaire by investing](https://makemoney.ng/how-to-become-a-millionaire-by-investing/): Not everyone can start a profitable company, inherit a fortune, or win the lottery. However, there is another well-established method for regular people to become wealthy without relying on chance, inheritance, or the capacity to create a successful business empire. It is called investment.
- [10 Signs your online vendor is trying to scam you](https://makemoney.ng/signs-your-online-vendor-is-trying-to-scam-you/): Online shopping has made it possible for consumers to buy from merchants and businesses worldwide. Cybercriminals, however, use the anonymity of internet buying to defraud consumers. 
- [10 Brilliant ways to build wealth after 40](https://makemoney.ng/brilliant-ways-to-build-wealth-after-40/): If you’re 40 and still not rich, it might seem like you will never attain financial stability. But that’s not true at all as there is no age limit to achieving wealth. The truth is, you are at the peak of your life at 40 and in your prime working years. 
- [Stocks vs real estate: Which is the better investment](https://makemoney.ng/stocks-vs-real-estate/): The investment world is extremely diverse. There is a wide variety of assets that you can invest in so you are not just limited to one or a few. 
- [10 Signs that you are a bad investor](https://makemoney.ng/signs-that-you-are-a-bad-investor/): You have probably been told that you can make a lot of money from investing, but you also know that not every investor makes money. Investing requires a lot of expertise and a little bit of luck. If you have been investing for some time now but are not making money or making less than you should, then it is either you are a very bad investor or you have terrible luck. Most likely, it is because you are a bad investor. 
- [How you can make $1000 monthly talking about Bybit](https://makemoney.ng/bybit-affiliate-program/): Have you ever asked yourself how you can increase your monthly earnings without having to work harder? Consider the fact that you could make more than $1000 every month and all you had to do is to tell people about the Bybit, which is widely regarded as the best Crypto exchange for Africans. Yes, it is possible and in this guide, I will show you how it works.
- [10 Things you can do to better your financial life now](https://makemoney.ng/things-you-can-do-to-better-your-financial-life-now/): Maintaining a good financial situation is crucial, regardless of whether you are experiencing financial difficulties or not. You can improve your financial life now, and any improvement you make today will help you in the long term. 
- [How to easily advertise on TikTok ($100 bonus)](https://makemoney.ng/how-to-easily-advertise-on-tiktok/): If you own a business and you are not yet running ads on TikTok, you are really missing out. The best time to join was months ago, and the next best time is now - as you are reading this. In this post, you will learn how to easily advertise your business on TikTok and go viral.
- [Bond market vs Stock market: What’s the difference?](https://makemoney.ng/bond-market-vs-stock-market/): Everyone aspires to grow wealth to improve their life and their families' quality of life. Purchasing real estate or starting a company is out of reach for many individuals. However, everyone with access to disposable income may invest some of their money in stocks and bonds.
- [10 Reasons you will never be rich](https://makemoney.ng/reasons-you-will-never-be-rich/): Everybody wants to be rich, but most people will not become rich; only a select few will. The question is, will you be among the top few, or will you barely make ends meet for the rest of your life? 
- [OPay vs Moniepoint: Which is better?](https://makemoney.ng/opay-vs-moniepoint/): Digital payment platforms like OPay and Moniepoint have completely revolutionized how payments are made in Nigeria and many African countries. From individuals to businesses, these platforms make payment easy and seamless. There are so many digital payment platforms to choose from, but OPay and Moniepoints stand out as among the best. It may be hard to choose which one of them to use, which is why I have written this article. 
- [Bond Ladder: Benefits, examples & more](https://makemoney.ng/bond-ladder/): The difference between an investor who turns a profit and an investor who doesn’t is a good strategy. You might sometimes get lucky, but you should not depend on luck when investing. You must carefully balance portfolio diversification and risk management to make it in the investing world.
- [How to use Bybit trading bot to make money while you sleep](https://makemoney.ng/how-to-use-bybit-trading-bot-to-make-money-while-you-sleep/): You might have seen how crypto has made many people rich. Despite people saying it will fade away, after 10 years, it is still going strong, setting new records every day.
- [How to get a government contract in Nigeria](https://makemoney.ng/how-to-get-a-government-contract-in-nigeria/): Across the nation, billions and trillions of naira are spent annually on a variety of maintenance and development projects. While some are enormous, others are small, and small businesses are allowed to bid for them. 
- [How to become an interior designer](https://makemoney.ng/how-to-become-an-interior-designer/): Have you ever walked into a room so harmoniously put together and visually pleasing that it left a lasting impression? If so, then it was probably the work of an interior designer. If your passion lies in making living spaces beautiful, interior design is a great career choice.  
- [How to automatically invest in crypto using Bybit](https://makemoney.ng/how-to-automatically-invest-in-crypto-using-bybit/): Here is something that can transform your cryptocurrency investment journey. Investing in cryptocurrency can be tricky, especially when prices keep going up and down without warning. But here's some good news - Bybit has created something called Auto-Invest that makes everything much easier.
- [How to become a UX designer](https://makemoney.ng/how-to-become-a-ux-designer/): UX is becoming increasingly crucial as everyday activities like purchasing move from offline to online. UX is at the heart of the growing trend of merchants providing experiences and services that go far beyond their primary product offerings. 
- [How to make money with forex: 5 easy steps for beginners](https://makemoney.ng/how-make-money-with-forex-for-beginners/): It’s no longer news that anyone can make money with forex trading. But like any trading skill, Forex has a learning curve, and for beginners, this is where the nightmare begins.
- [5 Best automatic investment apps (2026)](https://makemoney.ng/best-automatic-investment-apps/): Investing is a great way to accumulate wealth over time, but the process is complicated and you need sound financial knowledge to succeed. To make investment easier, there are automated investment platforms available, which are online investment platforms that automate the investment process. With automated investment apps, you allow AI to do your investments for you and manage your portfolio. This way, anyone can invest even if they lack time and financial know-how. 
- [Can you get rich with crypto?](https://makemoney.ng/can-you-get-rich-with-crypto/): When Bitcoin was first introduced in 2009, it was sold for $0.00099 per Bitcoin. Today, one Bitcoin is sold for over $60,000. If you had bought just one dollar worth of Bitcoin in 2009, you would be a millionaire today. But of course, 2009 has long passed, and there’s no way to go back in time. 
- [How to get started with forex trading in Nigeria](https://makemoney.ng/how-to-get-started-with-forex-trading-in-nigeria/): Forex trading has been one of the most popular ways people have come to understand how to earn some form of income in Nigeria. The Forex market, popularly referred to as the foreign exchange market, makes provisions for traders who sell and purchase a variety of currencies in anticipation of fluctuation in the exchange rate. While there are very promising profit possibilities in Forex trading in Nigeria , it does indeed involve risk. Therefore, It  is highly critical for local Nigerian beginners to learn the basics comprehensively and follow a structured approach to getting started.
- [What is emotional trading and how can you avoid it?](https://makemoney.ng/emotional-trading/): It is a fact that when an investor is under stress, whether from fear or euphoria, their emotions can take precedence over reason. It's important to approach investing with reason and common sense, even in situations when the market changes drastically. This may be hard to do, particularly when you are losing money. 
- [What is automated investing?](https://makemoney.ng/what-is-automated-investing/): With the use of automated investing technologies, investors may make investments automatically and fundamentally alter the way that investing is done. By removing middlemen and giving investors direct value, automated investing enables regular people to engage in several markets without needing to manage them personally. Minimizing risk and optimizing possible returns enable investors to allocate funds across the whole stock market without taking a risk on volatile assets.
- [How to make money in a bear market](https://makemoney.ng/how-to-make-money-in-a-bear-market/): Bear markets may be frightening for a number of reasons despite being an inevitable part of the investment cycle. A bear market is a 20% or greater drop in the market due to fundamental reasons. A bear market often follows a slowing economy, a large-scale selling of assets, and generalized anxiety and pessimism among investors. A bull market is the opposite of a bear market and is defined by gains of at least 20%. 
- [What is a government bond?](https://makemoney.ng/what-is-a-government-bond/): One of the most popular low-risk investment opportunities for people with idle money is government bonds. But what does it mean and how does it work?
- [What is the Monetary Policy Rate (MPR)?](https://makemoney.ng/monetary-policy-rate/): The benchmark interest rate that the Central Bank of Nigeria establishes is known as the monetary policy rate. It's a crucial instrument for controlling the economy since it sets the standard for other interest rates in the system. It may also affect your returns on investments and savings accounts.
- [How to develop financial discipline](https://makemoney.ng/how-to-develop-financial-discipline/): Making money is vital, but regardless of your income level, financial discipline is one of the most crucial financial skills you need to be financially secure. The good news is that you can develop financial discipline and don't have to give up on your ideal lifestyle or go hungry to maintain it.
- [How to grow your wealth using Bybit Savings](https://makemoney.ng/how-to-grow-your-wealth-using-bybit-savings/): When it comes to growing your wealth, finding a reliable and low-risk way to save and earn interest with your money is very important. Bybit Savings offers just that, an easy way to let your money work for you without exposing yourself to the high volatility and risks often associated with crypto trading.
- [Customizing charts in MT5 for better analysis](https://makemoney.ng/customizing-charts-in-mt5-for-better-analysis/): The MetaTrader 5, popularly known as MT5, is a very powerful trading platform. It is widely favored among Forex traders because it has complete tools and features. One of the capabilities of MT5, which greatly helps in upgrading the trader's analytic ability and trading decisions, is chart customization. Below are some ways to make MT5 charts more suitable for your trading style. After reading the article you can download the MT5 for pc and start your successful trading journey.
- [10 Best digital marketing agencies in Nigeria](https://makemoney.ng/best-digital-marketing-agencies-in-nigeria/): Are you looking for a way to grow your company in Nigeria and succeed online? Then, it would be best if you considered contacting a reputable digital marketing agency for help. 
- [What is money market and how does it work?](https://makemoney.ng/money-market/): The money market, which affects everything from company finance to government borrowing, is essential to every country's financial system, even if it may not be widely known. 
- [7 Benefits of investing in dividend stocks](https://makemoney.ng/benefits-of-investing-in-dividend-stocks/): A great and tried-and-true strategy for increasing wealth over time is dividend investment. A dividend investor is a person who owns ordinary and preferred stocks in publicly traded companies that distribute their profits to their shareholders. 
- [Integrated marketing: What is it and why it matters](https://makemoney.ng/integrated-marketing/): As more businesses, products, and marketing channels enter the market, consumers are becoming numb to the relentless barrage of advertisements. To stand out from the crowd and avoid confusion, your products and services should be easily identifiable through whichever advertisement outlet you use, which is why you need to incorporate integrated marketing into your marketing strategy. 
- [10 Best franchise opportunities in Nigeria](https://makemoney.ng/best-franchise-opportunities-in-nigeria/): It may take years to build a successful business from scratch, not to mention the uncertainties involved. Many startups fail regardless of the time, money and effort invested.
- [What is service marketing?](https://makemoney.ng/service-marketing/): There is a discernible increase in service startups these days. All kinds of businesses are shifting their marketing strategies to focus more on providing services.
- [What is omnichannel marketing?](https://makemoney.ng/what-is-omnichannel-marketing/): Convenience and an excellent customer experience (CX) go hand in hand in the marketing world. Because of this, as a customer, you often have the greatest experience with a brand when it adopts an approach that is connected, clear, and consistent. 
- [13 Best marketing techniques to grow your business today](https://makemoney.ng/marketing-techniques-to-grow-your-business-today/): A good marketing technique can transform a business that is barely surviving into one of the best in the industry. No business will survive without customers, and the only way to gain customers is by spreading the word about your business. 
- [Top 5 Crypto to buy on Bybit for maximum profit potential](https://makemoney.ng/crypto-to-buy-on-bybit-for-maximum-profit-potential/): The world of cryptocurrency is constantly evolving and so is its trading. This is because of the high volatility inherent in the trading of these digital currencies. This means that finding the right cryptocurrency with a good potential for ROI can be a daunting task.
- [How corruption is killing Africa](https://makemoney.ng/how-corruption-is-killing-africa/): Corruption remains a major challenge to sustainable economic growth, good governance, peace, and stability in both developed and developing countries. However, in developing countries, and particularly in Africa, hunger is another big challenge to inclusive economic development.
- [How to revive a failing business](https://makemoney.ng/how-to-revive-a-failing-business/): Having a business that is failing is a devastating situation to be in, but it’s not time to wallow in despair. Giving up on the company while there is still room for growth is a different kind of failure. Figuring out a way to save it should be the next step in your agenda. 
- [How to avoid common investment mistakes](https://makemoney.ng/how-to-avoid-common-investment-mistakes/): Making money is never a given when investing, and success is seldom certain. Even after years of experience, expert investors don't always get it right. Furthermore, each individual is unique, with varying expertise, risk tolerance, and investing objectives. While investment mistakes are inevitable, there are some that you can simply avoid if you know what to look for.
- [How to create multiple streams of income](https://makemoney.ng/how-to-create-multiple-streams-of-income/): A well-paying job or a successful business will help you live a comfortable life, but if you depend on only one source of income, you will not live the life of financial freedom you aspire for. The more income streams you have, the more financial security you gain.
- [5 Most powerful CEOs in Africa (2026)](https://makemoney.ng/most-powerful-ceos-in-africa/): The political, economic, industrial and technological landscape in Africa is changing at an astronomical rate. This is due to the giant strides of visionary leaders and some of the most powerful chief executive officers on the continent. 
- [Emergency fund: Why it is important & how to build it](https://makemoney.ng/emergency-fund/): Life is unpredictable so you should always plan for unexpected situations. Preparing ahead is essential to surviving the inevitable storms of life that we will all encounter. An emergency fund is an important and most often overlooked aspect of this preparation. 
- [10 Mistakes people make when starting a business](https://makemoney.ng/mistakes-people-make-when-starting-a-business/): Starting a business is nerve-racking; you’re stepping into a world you’ve never known, so you’re apt to make mistakes. Some mistakes are almost harmless and you can bounce without a hitch, while others could spell the end of your ambition. 
- [4 Most Powerful CEOs in South Africa (2026)](https://makemoney.ng/most-powerful-ceos-in-south-africa/): In South Africa, the cooperation would be controlled by some powerful chief executives who control some of Africa's biggest and most powerful companies. These chief executive officers are responsible for the success and growth of their companies, withering the Storm at any point it comes, and staying strong. they also play an indispensable role in stirring economic advancement and influencing pressing economic and social issues.
- [10 Reasons your business is failing and how to fix it](https://makemoney.ng/reasons-your-business-is-failing-and-how-to-fix-it/): Many entrepreneurs walk into the business world with rose-tinted glasses. It’s easy to dream up a world where you can take control of your own destiny, be your own boss and make a lot of money. But the reality might be much farther than the dreams you conjure up, and it may be a humbling and devastating experience when the lofty goals you have do not come to fruition.
- [Bybit P2P review: Is it worth it?](https://makemoney.ng/bybit-p2p-review-is-it-worth-it/): The cryptocurrency industry and the financial world in general have continued to evolve at an astonishing rate. While these changes are taking place, consumers are also demanding more efficient, safe and reliable ways to trade these assets.
- [5 Most powerful CEOs in Nigeria (2026)](https://makemoney.ng/most-powerful-ceos-in-nigeria/): Nigeria has been a major player in the African economy and will continue to be a dominant force to reckon with in Africa. She boasts of being the largest economy in Africa and ranks among the most populous nations in the world. This is also true when it comes to business, technology and commerce. These are some of the factors that drive the growth of the nation.
- [How to make money buying and selling premium domain names](https://makemoney.ng/how-to-make-money-buying-and-selling-premium-domain-names/): Domain name is an industry on its own. But unfortunately, not many know what is happening there.
- [The pros and cons of remote work](https://makemoney.ng/the-pros-and-cons-of-remote-work/): Employees who work remotely may reap several advantages, but there are still several drawbacks. What works for one might not work for another, so if you’re wondering if remote work is right for you, then it might be helpful the evaluate the pros and cons of working remotely. I will be doing just that in this article, so read on if you’re interested.
- [How to access tax exemption bonds in Nigeria](https://makemoney.ng/how-to-access-tax-exemption-bonds-in-nigeria/): We live in a world of intricate and sometimes volatile investment opportunities. Most of the time, one becomes uncertain where and when to put his hard-earned money concerning investment. But amid these several investment options, tax exemption bonds stand out as a strategic asset for investors and low-income earners alike, especially those seeking to optimize their return, and reduce their tax burden.
- [7 Career tips for recent graduates](https://makemoney.ng/career-tips-for-recent-graduates/): The university is a long and hard journey, and after it is a relentless and fierce battle. On the path to becoming an accomplished adult, there are several pits and hurdles along the way, and the only way to emerge as a winner is to have a successful career. 
- [10 Reasons you should quit your job and start a business](https://makemoney.ng/reasons-you-should-quit-your-job-and-start-a-business/): Deciding to start a business is a big decision, and quitting your job to do so is an even bigger decision. It could be a step in the right direction or the first step you take to your downfall. When making this choice, there are several professional and personal considerations to take into account.
- [How Ike Chilaka is turning waste into wealth](https://makemoney.ng/how-ike-chilaka-is-turning-waste-into-wealth/): We live in a world that is increasingly becoming worried about the environmental crisis, and the need to adopt sustainable practices to mitigate the inevitable.
- [The role of IMF in the African economy](https://makemoney.ng/the-role-of-imf-in-the-african-economy/): The International Monetary Fund has been instrumental in capacity building through its interactions with a broad spectrum of government entities in African nations. These interactions go far beyond the role of lending and debt-reduction efforts. The IMF's integral part is to contribute to building expertise and economic policymaking capacity.
- [5 Easy ways to earn free crypto on Bybit without risking your money](https://makemoney.ng/easy-ways-to-earn-free-crypto-on-bybit-without-risking-your-money/): To start earning cryptocurrency on Bybit the first step is to create an account. The process is straightforward; sign up complete your KYC verification (Know Your Customer) and make a deposit. Once your account is confirmed you can explore the ways Bybit offers to earn cryptocurrency without any procedures.
- [10 Worst courses to study in the university](https://makemoney.ng/worst-courses-to-study-in-the-university/): You can never be too careful when choosing a course to study in the university because if you make the wrong choice you’ll end up with a useless degree. Some would argue that there is nothing like a “useless degree” but in Nigeria and Africa as a whole there is. There are courses offered in African universities that are close to impossible for you to get a job with, and the information learned is hardly transferable to other areas. The reason I’m writing this article is to sternly warn you to steer clear of them. 
- [5 Reasons to learn a skill rather than go to the university](https://makemoney.ng/reasons-to-learn-a-skill-rather-than-go-to-the-university/): The notion that degrees alone should be prioritized above skill development is outdated. You might forget most of your coursework at university after a few months, but skills are something that is honed and improved over time. 
- [Regulating the use of big data in Africa](https://makemoney.ng/regulating-the-use-of-big-data-in-africa/): Large-scale data collection for strategic decision-making has been made possible by the rise of big data, which has already had a profound impact on the global economic environment. A distinct set of opportunities and difficulties arises from the adoption of big data analytics in Africa. The application of big data in African organizations has a significant influence on decision-making procedures and holds promise for the continent's future use of this technology. A setback is associated with this potential. Big data collection and utilization are fraught with issues and worries. The worry of consumers over privacy is one of these.
- [Economic review of Tinubu policies: an objective standpoint](https://makemoney.ng/economic-review-of-tinubu-policies-an-objective-standpoint/): President Bola Tinubu made it very clear in his inauguration speech on May 29, 2023, that his administration wanted to alter the commercial environment in the country.
- [10 Challenges faced by entrepreneurs in Africa and the solutions](https://makemoney.ng/challenges-faced-by-entrepreneurs-in-africa-and-the-solutions/): Every entrepreneur in Africa faces one challenge or another. From poor economy to insecurity and bad government policies, these problems pose a daily threat to their survival. 
- [Is university education a waste of time and money?](https://makemoney.ng/is-university-education-a-waste-of-time-and-money/): Without a doubt, education is important. You need to be able to read and write to navigate life efficiently, and so many skills learnt in school benefit us every day. So yes education is essential and sending children to an institution dedicated to learning seems like a good idea. 
- [6 Universities offering free online courses](https://makemoney.ng/universities-offering-free-online-courses/): In almost every part of the world obtaining a degree is expensive. You must spend on tuition, study materials, accommodation, and living costs in school. Many people would rather not spend money to attend a university, but alas, obtaining a degree is a necessity these days.
- [10 Key factors to consider before studying abroad](https://makemoney.ng/factors-to-consider-before-studying-abroad/): Choosing which higher institution to attend is one of the most important decisions in one’s life, and choosing to study abroad is quite a difficult one. No matter how enthusiastic you are to have a change of environment and leave the confines of your home country, you can’t quite stifle the feeling of impending longing after you’ve left home.
- [How to start  forex trading with no money](https://makemoney.ng/how-to-start-forex-trading-with-no-money/): It might come as a surprise, but you can start trading forex without investing a dime. How is this possible, you might be wondering? 
- [10 Side hustles that will earn you over $500 a month](https://makemoney.ng/side-hustles-that-will-earn-you-over-500-a-month/): Almost everyone could use more money, whether you are a student or already have a full-time career. People from various areas of life engage in side jobs. All it takes to take advantage of the possibilities of a side hustle is a few hours every week.
- [10 Best courses for commercial students](https://makemoney.ng/best-courses-for-commercial-students/): What you study at university may make or break your entire career, so you can never be too thorough when making a choice. Some students grow up with the dream of one day venturing into one profession or the other, while others are left confused when the time to make a choice finally comes.
- [Equity free funding for startup: How to access them](https://makemoney.ng/equity-free-funding-for-startup-how-to-access-them/): Turning an idea into a successful and profitable venture requires hard work, persistence and sheer resilience, and more than all these, it requires access to the right type of funding.
- [10 Best courses for science students](https://makemoney.ng/best-courses-for-science-students/): Are you a science student wondering which course you should study at the university? If you haven’t already decided, the best choice is to go for the best among the options. Choose a course that is not only respectable and lucrative but also one that you can easily get a job or establish yourself in Nigeria, Africa or any part of the world. 
- [How Bybit is helping Africans to make money with crypto](https://makemoney.ng/how-bybit-is-helping-africans-to-make-money-with-crypto/): Cryptocurrency has changed the world of finance and wealth creation. And Africans have not been left out of it. From West to Southern Africa, are stories of Africans who have changed their fortunes by embracing cryptocurrency and the opportunities that come with it. To fully take advantage of crypto, invest and build wealth, you need a platform that can help you achieve this.
- [5 Best Neobanks in Nigeria](https://makemoney.ng/neobanks-in-nigeria/): As technology develops, the banking industry has been embracing new and inventive methods of conducting business. Neobanks, which operate solely online, pose a threat to conventional banks in today's financial industry.  Unlike the conventional brick-and-mortar banks in Nigeria, these neobanks provide the same banking services for reduced or no cost, with superior customer service and emphasis on innovative features and services.
- [8 Best auto insurance companies in Nigeria (2026)](https://makemoney.ng/best-auto-insurance-companies-in-nigeria/): In Nigeria, the concept of insurance is still relatively a hard sell, despite its many advantages. For many, the idea is completely foreign. This lack of awareness and interest in car insurance is because it is not stressed enough in Nigeria, in contrast to developed nations where it is illegal to drive without insurance. 
- [How to make money with your data science skills](https://makemoney.ng/how-to-make-money-with-your-data-science-skills/): So you have learned data science and you think you're good enough to begin to monetize your skill, then you're welcome. If you want to learn, check out our article on how to become a Data Scientist
- [How to open a virtual dollar account in Nigeria](https://makemoney.ng/how-to-open-a-virtual-dollar-account-in-nigeria/): The severe restrictions imposed on Nigerian debit cards have made foreign purchases almost impossible.  A lot of Nigerian banks have stopped supporting Naira cards for international transactions. This reduces your alternatives and makes it more difficult for you to participate in foreign financial transactions.
- [5 Best Mortgage Banks in South Africa (2026)](https://makemoney.ng/best-mortgage-banks-in-south-africa/): The South African government has done considerably well in providing low-cost houses for its citizens. However, according to a United Nations report, it is said that about 12 million people are still in dire need of housing.
- [10 Best agricultural insurance companies in Nigeria (2026)](https://makemoney.ng/best-agricultural-insurance-companies-in-nigeria/): There are a lot of perils and uncertainties that come with farming. You could enjoy a good harvest this year, and a flood could come and wash away all your crops the next year. Despite your best planning, hard work, care and hope, there’s hardly anything you can do when disaster strikes. But you could always guard against it with insurance. No farmer would wish for something to go wrong with their harvest, but it's also not a bad investment to get insurance in case anything goes wrong. 
- [10 Biggest financial mistakes that you should avoid](https://makemoney.ng/biggest-financial-mistakes-that-you-should-avoid/): Managing money can be very difficult, especially now that shopping is so easy, just with your phone you can spend millions without leaving your house. Many people keep making the same mistakes over and over again. These mistakes can have long-lasting effects. It’s important to know what to avoid. Let’s look at the ten biggest financial mistakes you should avoid.
- [10 Best Venture Capital Firms in Africa for Startups (2026)](https://makemoney.ng/best-venture-capital-firms-in-africa/): Venture capital (VC) is a critical driver for innovation and economic growth, especially for startups in Africa.
- [Strengthening SMEs: The new Nigeria initiative in ensuring corporate governance](https://makemoney.ng/strengthening-smes-the-new-nigeria-initiative-in-ensuring-corporate-governance/): The Financial Reporting Council of Nigeria, in collaboration with The Convention on Business Integrity and UN Global Compact Network Nigeria, officially launched the Small and Medium Enterprises Corporate Governance Guidelines on Thursday, May 30, 2024. This was a momentous event that took place in Abuja during the Issuance and Unveiling Ceremony, where the guidelines were introduced to the esteemed guests, Small and Medium-Sized Enterprise (SME) community members, and the general public.
- [After Nigeria’s FCCPC fines meta $220M, Facebook & WhatsApp threaten to leave Nigeria](https://makemoney.ng/after-nigerias-fccpc-fines-meta-220m-facebook-whatsapp-threaten-to-leave-nigeria/): Nigeria's Federal Competition and Consumer Protection Commission (FCCPC) has recently imposed a $220 million fine on Meta Platforms Incorporated. This penalty, issued on July 17 2024 follows an investigation, into Metas data handling practices and alleged discriminatory behavior towards consumers. The investigation was an effort between the FCCPC and the Nigeria Data Protection Commission (NDPC). Focused on scrutinizing Metas operations, privacy policies and conduct from May 2021 to December 2023.
- [How margin in forex can impact your trade](https://makemoney.ng/how-margin-in-forex-can-impact-your-trade/): Margin trading in the forex market provides a formidable tool that increases the potential profits for any trader. Using borrowed funds, traders can open larger positions than their capital normally allows. This naturally comes with added risk, making it most important to understand and implement some advanced techniques on how to use margin in Forex effectively. Herein, we delve into some sophisticated strategies that help traders manage margin accounts to optimize their trading outcomes.
- [Pi Network: Is it legit or a scam?](https://makemoney.ng/pi-network/): Is Pi Network legit or a scam? Is Pi coin real or fake? At the moment, these are questions millions of people in the cryptocurrency circles are asking. 
- [Learn digital marketing for free with these 10 courses](https://makemoney.ng/learn-digital-marketing/): Of course, by now you should know we are in the digital age, and everyone and every business seems to be doing everything possible to catch up with the pace.
- [What is a mortgage and how does it work?](https://makemoney.ng/mortgage/): Information, they say, is power. This is true in every sense and scenario. And now looking at mortgages, sound information on what it entails will make a whole lot of differences between two individuals.
- [Harnessing margin effectively for forex traders](https://makemoney.ng/harnessing-margin-effectively-for-forex-traders/): In the fast world of forex trading, knowing and using margin may be the sole difference between making it big or failing. While it provides the possibility of making huge profits with a considerable increase in investment, at the same time it also involves substantial risks. This article seeks to explore how an individual can effectively leverage margin in Forex market to realize maximum gains while keeping risks at the bare minimum.
- [Hamster Kombat: Is it a scam or legit?](https://makemoney.ng/hamster-combat/): If you are an avid internet user, you must come across Hamster Kombat, the viral clicker game that managed to get global hype right from the start. Over 200 million people from parts of the world joined the game in less than two weeks of its launch.
- [6 Habits that can change your finances](https://makemoney.ng/habits-that-can-change-your-finances/): The quest for financial freedom is everyone's dream and aspiration. And while this is true, the majority of people don't know how to get there. 
- [Mortgage banks in Nigeria: History, role, functions and more](https://makemoney.ng/mortgage-banks-in-nigeria/): Every adult, whether single or married, desires a home they can call their home whether it is built or bought,  a personal abode void of landlord problems and incursions. And if you agree with me, then this article is for you.
- [Bitcoin fall: Causes, effects and more](https://makemoney.ng/bitcoin-fall-causes-effects-and-more/): Last week on Thursday, Bitcoin fell below the $57,000 mark, signalling its greatest dip in the last two months.
- [Job vs business: Which is better for you?](https://makemoney.ng/job-vs-business-which-is-better-for-you/): We are in an era where almost everyone sees having a business as a form of success. But is it so for you? This argument between Jobs and business is almost as old as the Industrial Revolution. 
- [Stock vs Cryptocurrency: Which is a better investment?](https://makemoney.ng/stock-vs-cryptocurrency/): Are you trying to decide if you should invest in cryptocurrency or stocks?
- [The importance of margin in forex trading](https://makemoney.ng/the-importance-of-margin-in-forex-trading/): Forex trading, or trading foreign currencies, attracts traders of all skill levels. One crucial concept they need to grasp is margin trading. Margin in forex trading allows traders to amplify their positions, increasing both gains and losses. This article discusses the significance of margin in trading, its benefits, and the associated risks.
- [Financial inclusion in Africa: Challenges and opportunities](https://makemoney.ng/financial-inclusion-in-africa/): The African continent has witnessed some intervention from the World Bank over the last decade. However Africa remains an underdeveloped economy, and the issue of financial inclusion has been one of the numerous concerns in recent times.
- [Steps to take if you cannot repay your loan](https://makemoney.ng/steps-to-take-if-you-cannot-repay-your-loan/): Life is full of surprises, and you must be prepared for any scenarios. This is the same for loans. So have you asked yourself what you can do if you cannot repay your loan? Or maybe you know someone who is already in this quagmire, or you are even there right away. 
- [Top 5 African countries to invest in and why](https://makemoney.ng/top-african-countries-to-invest-in/): Africa as a continent remains an emerging market globally, with a great potential to become a critical player among other developed economies.
- [Crypto ban may not be the answer to Nigeria’s ailing financial problem](https://makemoney.ng/crypto-ban-may-not-be-the-answer-to-nigerias-ailing-financial-problem/): Nigeria's dollars to naira rate has been at an astronomical high recently, getting past N1600 to $1 at one point. In addition to this, Nigeria's economy has become so fragile in recent times, thanks to the rising cost of living, inflation, and most notably the high cost of PMS and other fuels. 
- [The Dark Side of Baba Ijebu and how it started](https://makemoney.ng/the-origin-of-baba-ijebu-and-its-stronghold-on-nigerians/): Some time ago, a very bizarre incident occurred in one of the neighbourhoods of Ago-Iwoye region of Ogun State. It was revealed that a 29-year-old man, allegedly beheaded his 99-year-old Aunt because he accused the dear Aunt that she was the cause of his inability to win 'Baba-ijebu’. As funny as it may sound, this is to the extent this gambling has eaten into the fabric of almost every neighbourhood in Nigeria. It seems those given to it are bewitched. But why is it so? 
- [Sports betting: A source of hope or misery?](https://makemoney.ng/sports-betting-a-source-of-hope-or-misery/): John had a promising future, a potential medical doctor studying medicine at the University of Benin. And like every other guy out there, he's a die-hard football fan, as if that did not suffice, he was obsessed with football gambling, popularly known as sports betting. I learned about him when he failed his MBBS exams quite a number of times and was asked to withdraw from the medicine. 
- [Is forex trading banned in Nigeria?](https://makemoney.ng/is-forex-trading-banned-in-nigeria/): A few days ago, a very dear friend of mine came to me, his face sad, looking sober and dejected. He has heard the rumours that forex has been banned in Nigeria.
- [Nigeria announce plan to delist naira from P2P crypto platforms](https://makemoney.ng/nigeria-announce-plan-to-delist-naira-from-p2p-crypto-platforms/): Nigeria Securities and Exchange Commission (SEC) has proposed a plan to remove the naira, Nigeria's currency from all peer-to-peer (P2P) cryptocurrency platforms. This decision was announced during a meeting with the Blockchain Industry Coordinating Committee of Nigeria (BICCoN) by Emomotimi Agama, the acting director general of SEC. The aim is to address concerns about manipulation in the cryptocurrency space and its impact on exchange rates.
- [Nigerian banks will start deducting 0.5% cybersecurity levy as directed by CBN](https://makemoney.ng/nigerian-banks-will-start-deducting-0-5-cybersecurity-levy-as-directed-by-cbn/): The Central Bank of Nigeria (CBN) has directed banks and other financial entities to impose a cybersecurity charge, on electronic transactions. The communication about this directive was conveyed through a statement signed by two CBN directors, Chibuzor Efobi and Haruna Mustafa.
- [FCCPC declares war on loan apps over harassment of Nigerians](https://makemoney.ng/fccpc-declares-war-on-loan-apps-over-harassment-of-nigerians/): The Federal Competition and Consumer Protection Commission (FCCPC) in Nigeria has pledged to take measures against loan applications that harass and intimidate their users. The interim chairman of the commission Adamu Abdullahi stated that the days of these platforms commonly referred to as loan sharks are limited.
- [Crypto traders face uncertainty in Nigeria amid CBN’s inconsistent policies](https://makemoney.ng/crypto-traders-face-uncertainty-in-nigeria-amid-cbns-inconsistent-policies/): The Nigerian cryptocurrency community is facing a period of uncertainty due to the Central Bank of Nigeria's conflicting messages on the legality and regulation of crypto assets. Traders are unsure about the future of their investments and the industry as a whole as a result of CBN policies.
- [10 Best travel insurance companies in Nigeria (2026)](https://makemoney.ng/travel-insurance-companies-in-nigeria/): Travelling is an interesting experience, but there are hazards involved as well. Things like cancelled flights, misplaced baggage, accidents, and medical crises are all things you should prepare for. This can be quite devastating, and a once enjoyable trip will become a headache. It's quite hard to salvage a terrible event once it has already happened, but you can always prevent it. 
- [Heritage Bank vs Unity Bank: A look into interest rates and account fees](https://makemoney.ng/heritage-bank-vs-unity-bank/): As the banking industry in Nigeria is rapidly evolving customers are faced with numerous choices for managing their finances. Two prominent institutions, Heritage Bank and Unity Bank, offer a variety of banking products and services, each with its own set of features, benefits, and costs. 
- [eTranzact vs Interswitch: Which is better?](https://makemoney.ng/etranzact-vs-interswitch/): Are you looking for a reliable payment processor for your business? You are in the right place because this post explores two excellent options for Nigerians. eTranzact and Interswitch are leading platforms with various services, including transactions, airtime top-up, and customer support. 
- [Unlocking index trading strategies for beginners](https://makemoney.ng/unlocking-index-trading-strategies-for-beginners/): Traders choosing index trading get the opportunity to trade with a diversified portfolio of stocks within one index that provides access to a larger segment of the financial markets. Understanding the complexities of this market is crucial both for beginners looking to venture into Index trading and experienced traders looking for ways to improve their trading strategies. In this comprehensive guide, we'll explore how to trade indices effectively, emphasizing the tips and strategies suitable for beginners.
- [10 Best life insurance companies in Nigeria (2026)](https://makemoney.ng/best-life-insurance-companies-in-nigeria/): One important kind of insurance is life insurance, which provides protection and financial assistance to the insured's dependents in the event of the policyholder's untimely death or permanent incapacity. Nigerian life insurance firms provide a large selection of plans intended to provide people and their families financial stability in the case of a death, disability, or retirement.
- [GTBank vs Zenith Bank: Which offers better services?](https://makemoney.ng/gtbank-vs-zenith-bank/): Is GTBank better than Zenith Bank? These are arguably the two banks that are most frequently compared to each other. The reason is not far-fetched; it’s definitely because of their strong market presence, innovative approaches to digital banking, and leadership in the financial sector. 
- [How to spot fake vendors on AliExpress](https://makemoney.ng/how-to-spot-fake-vendors-on-aliexpress/): Aliexpress has grown to be a well-liked online marketplace for millions of users. With millions of sales done every day, Aliexpress has long been the top choice for customers from all over the globe looking to acquire a variety of items in every category. The site provides a wide selection of goods at affordable costs, but along with this ease of use comes the possibility of falling victim to fraud. 
- [How to buy from AliExpress in Nigeria](https://makemoney.ng/how-to-buy-from-aliexpress-in-nigeria/): AliExpress is a well-known online marketplace where various independent vendors, small companies, and manufacturers may offer their goods to individual consumers all over the globe. It was first developed for Chinese consumers, but it gradually grew to become a worldwide marketplace that draws millions of users from all over the globe.
- [Nigerian Crowdfunding Platforms vs Traditional Financing](https://makemoney.ng/nigerian-crowdfunding-platforms-vs-traditional-financing/): The entrepreneurial landscape in Nigeria has witnessed a significant change in recent years. Business owners have adopted new ways of seeking financial boosts for their businesses. 
- [Top Picks for 2026: Best Forex Trading App in Nigeria Revealed](https://makemoney.ng/top-picks-for-2024-best-forex-trading-app-in-nigeria-revealed/): In recent years, Nigeria developed in forex trading activity especially due to the internet connection, various device usages, and growing interest in this financial market. With the rise of technology, forex trading has become more accessible to Nigerians through mobile apps that offer traders convenience and flexibility.
- [Paga Vs OPay: Which is better?](https://makemoney.ng/paga-vs-opay/): Paga and Opay are on the top 10 list of popular fintech brands in Nigeria currently. With over 30 million customers, both companies have successfully warmed their way into the hearts of many Nigerians.
- [How to join the Nigerian Air Force](https://makemoney.ng/how-to-join-the-nigerian-air-force/): Attending aviation school might be expensive, but that isn't the only route to becoming a pilot. What better way to serve the motherland and achieve your dream of flying than joining the Nigerian Air Force? If you would like to apply for the Nigerian Air Force, then read on to find out more.
- [ByBit is the best alternative to Binance for Nigerians](https://makemoney.ng/bybit-is-the-best-alternative-to-binance-for-nigerians/): According to a 2023 report, Nigeria has the largest number of crypto users in the world. At least 35% of Nigerian youth are actively involved in the industry, buying and selling Binance coin(BNB), Bitcoin, and other cryptocurrencies. 
- [10 Best apps to send & receive money abroad in Nigeria](https://makemoney.ng/best-apps-to-send-amp-receive-money-abroad-in-nigeria/): The internet has made so many things so much easier, including the ease at which money can be sent and received. Gone are the days when you have to stand in line for hours in the bank to be able to send or receive money abroad. Nowadays there are so many online payment apps that you can use to do so. 
- [GTBank vs Access Bank: Which is better for you?](https://makemoney.ng/guaranty-trust-bank-vs-access-bank/): Access Bank and Guaranty Trust Bank are some of the most famous financial institutions in Nigeria. Both banks have a large customer base and offer various customer-centric products to their customers.
- [PiggyVest Vs Cowrywise: Which is better?](https://makemoney.ng/piggyvest-vs-cowrywise/): The fintech industry has witnessed a massive rise in customers, stakeholders, and popularity over the past decade. From Palmpay to PiggyVest and Opay, these tech companies have become key players in the country's financial settings, giving traditional banks a run for their money. 

## Pages
- [Nigerian Forex Profit Calculator & Broker Comparison (2026)](https://makemoney.ng/nigerian-forex-profit-calculator-broker-comparison/): Calculate your forex profits in Naira instantly. Compare Exness vs HFM - trusted brokers that actually let you withdraw to Nigerian banks.
- [Free Tools](https://makemoney.ng/free-tools/): MakeMoney.ng offers free tools for entrepreneurs and businesses to help them on their way
- [Free Nigerian Invoice Generator](https://makemoney.ng/free-nigerian-invoice-generator/): Click any text to edit. Calculations are automatic.
- [Side Hustle Profitability Calculator](https://makemoney.ng/side-hustle-profitability-calculator/): Find out if your Nigerian side hustle is truly making money.
- [Nigerian Business Startup Cost Calculator](https://makemoney.ng/business-startup-cost-calculator/): Estimate the capital you need to launch your venture in Nigeria.
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