How to Save Money and Cut Unnecessary Expenses

When it comes to saving money, there are a few essential things you need to know.

Understanding these things we’ll help you to save faster, wiser and more comfortable.

Misconceptions of Saving Money

Whether they’re right or wrong, most people will have an opinion on saving money.

Growing up we learned many lessons on money, and it seems like everyone has the secret on how to save money when you have none. But, the truth is, most of the advice we receive is just not correct.

Here are three myths that need to I need debunk before you start saving money.

1. You Need Money to Save Money

This is not true. Just think about it, if you had money available, you wouldn’t need to save.

The truth is, the level of income you earn doesn’t matter. The more money you make, the more your monthly expenses will also rise.

That means even people who earn above the average US salary probably still need to save their money (just on a larger scale), and, in the beginning, they too most likely have little funds available.

There are many ways you can start saving money, even if you don’t have any; and you’ll learn some of the best ways in this post.

2. Shopping in the Sales Will Save You Money

I’m sure you have heard this before. Go bargain shopping! Buy when it’s on offer. Look for the reduced section.

Yes, you can make significant savings using this method. But be careful, this will often lead to you spending even more money than you anticipated.

That’s because sales are a trick that stores use to get you to spend more. Reduced prices & offers have a psychological effect which triggers urgency and a fear of missing out.

Yes, you will most likely save money on the sale item; however, you probably weren’t looking to buy the product before you noticed it was on sale.

Therefore even though you have saved money, you’ve spent more money.

3. Credit Cards Are Evil

People associated credit cards with evil debts with high interest rates. This could be the case, but only if you overspend and don’t pay off the monthly balance in full.

If you use them responsibly, credit cards can help you to save money in the form of cashback.

Popular credit cards, such as American Express, will reward you with points for using their card. You can exchange these rewards points for travel & hotel bookings; and Amazon gift cards.

Disclaimer: Credit cards are your responsibility. Read the terms on the credit card companies site before applying.

Understand Why You Need to Save Money

Before you begin to start saving money, ask yourself the question, for what reason are you saving money?

It’s easy to give up when you don’t have a clear goal in mind, but when you have a purpose, committing becomes a whole lot easier.

Of course, your answer will be unique to you.

Maybe you want to invest your savings, perhaps you’re saving for a new house, or maybe it’s an emergency fund for a rainy day.

Whatever the reason may be, it’s essential to be clear on why you’re saving.

Prepare Yourself Mentally

Saving money is not easing, especially when you don’t have money. If it were, everyone would have savings.

If you’re going to begin to save money, you’ll need to show commitment, dedication, and mental strength.

Are you prepared to forget about a few luxuries? Or, what about when your friends invite you out for dinner? Do you have the mental strength to stick to a budget?

Some people are strong enough to do so.

However, some people will find it super challenging to save money. If that person is you, ask friends for support.

Get your friends to hold you accountable for your purchases. Plus, by including your friends, they won’t invite you to expensive restaurants; as they know, you’re saving money.

Prioritize Debt

Do you have unpaid debt? If so, you may want to consider prioritizing that before you start saving. Here’s why.

Most long-term debts have a hefty interest charge attached to it.

If you’re occurring high-interest charges every month, this will wipe out all your saving efforts.

Therefore it’s wise to pay down your debts, to lower your interest charges, before saving money.

Here is How to Start Saving Money When You Have None: 

1. Start Saving Money Today

Many people think about saving, few ever do.

When it comes to saving money, the most significant mistake people make is not starting sooner.

Think of it this way, the sooner you start, the faster you savings with grow bigger.

In the beginning, if your income is low or your outgoings are high, finding the money seems impossible, which is why people rarely begin.

So, how can you save money when you have none?

The answer is simple; start with whatever you can; even if it’s only one dollar. This important step if to start.

Along the way, the saving will become easier and more comfortable.

2. Cut Unnecessary Expenses

Cut Unnecessary Expenses

If you’re serious about saving money, you will need to cut down on some of your everyday expenses. The more you need to save, the more extreme your costs will need to be cut.

To begin with, I suggest cutting the monthly expenses you can comfortably live without.

Here are a few suggestions:

Netflix – and other monthly on-demand services. You can live without TV shows for a few months.

ATM Fees – It may be convenient to pay the small fee, but’s it unnecessary, when a free ATM is most likely within walking distance.

Fast Food – is another convenience you can easily avoid by cooking and preparing meals at home.

Subscription Services – newspapers, magazines, and smartphone app subscriptions can go.

Groceries  – cut back on your monthly spend and switch to cheaper brand alternatives.

3. Automate Your Savings

“Pay Yourself First” – That is one piece of advice that rings true when it comes to saving money.

The thing is that it can be easier said than done. It relies on you to remember to transfer funds from your account each month.

Fortunately, there is handy technology available that can help us to complete this process.

Recurring Monthly Payments

With most bank accounts you can set up an automatic recurring payment which will allow you to deposit funds from your main account to your savings account. Ask your bank for more details.

Choose the amount that you afford to pay each month, and once it’s set up, the saving will automatically transfer for you.

I like this because, it leaves little room for excuses, as the money is saved as soon as you’re paid each month. Plus, you don’t even notice the money, it’s as if it never existed.

It’s a great way to avoid any temptation of dipping into your monthly wages before you get a chance to save it.

Round-Up to Those Pennies to the Dollar

This tool can help to boost your savings quickly.

This convenient service will round your credit & debit card purchases to the nearest dollar. You can then send the difference into a savings account.

For example; you spend $3.55 on a coffee; this will be rounded up to $4.00. The $0.45 difference will automatically be added to your savings.

Some banks will offer this service for free. If your bank doesn’t, apps such as Qapital and BoostUp do the same thing.

Cashback Cards & Websites

Cashback is a great and easy way to make fast savings.

Before making any significant purchases, see if you can find any cashback offers.

There are tons of websites that you can register with for cashback deals. Some credit cards, such as American Express, will automatically give you cash back in the form of reward points.

4. Negotiate For Big Savings

Negotiate Big Savings

“Go big or go home” – it’s time to go big with your savings.

Have you ever been told that if you want to save money, you need to cut back on even the smallest purchases such as coffee?

Agreed, cutting out coffee can save you money. The question is how much will you save?

The answer is not much, especially when drinking coffee is something we like doing.

For me, the small saving does not warrant the sacrifice of caffeine in the morning.

That’s why instead of cutting back on the tiny luxuries that make your day more enjoyable,  go after big savings.

So, what are these big savings? Here are a few ideas:

Cell Phone Contract

Utility Bills

Cable Bill

Insurance

Here’s the thing, most people pay for these services every month but never think to negotiate a better deal.

The aim isn’t to cancel these contracts; the aim is to negotiate a better deal. You should be negotiating better prices with each of these service providers at least once a year.

Sometimes with a few simple phone calls, you can save hundreds (sometimes thousands) per year. Now, that’s what I call big!

Learn How to Negotiate

To pull off these huge savings, you’re going to need to step-up your negotiating skills.

The reason most people are not good at negotiating is that they’re scared of being rejected. But, the truth is, in this case, there’s nothing to be afraid of.

The worse possible outcome is the company says no, and you carry on paying the same as you already are.

Here is a simple step-by-step process you can use to negotiate a better first:

Step 1: First of all, do a bit of research. See if you can find competitive deals & prices from comparable providers. This will come in handy during the negotiating later on.

Step 2: Call your current provider.

Step 3: Be nice. Explain that you have been a loyal customer who always pays on time. And then, ask what offers they currently have.

Step 4: At this point, you can ask for a more competitive rate.

Step 5: If they say no, explain that you have seen better deals from their competitors. And ask if they can beat, or at least match, the competitor prices.

Step 6: If they are still saying no, explain that you are prepared to walk away from your existing plan. Here’s the thing, they will never actually cancel your contract without your final word. So, don’t be afraid.

At this point, most companies with give in to your negotiations as an attempt to stop you from leaving and going to a competitor.

Now rinse and repeat with your other subscriptions and contract providers. Within just a few minutes, you can save hundreds per year!

5. Start Being Frugal With Your Money

When it comes to saving money, I find that the frugal lifestyle is the best way.

Even when you have no money, you can always find creative ways to save money.

Here are a few frugal ideas which are worthy of a mention:

Create Instead Gifts of Buying

Birthdays & holidays can be expensive occasions, especially when you’re trying to save money.

The frugal way would be to make your own gifts & holiday cards. This is the most personal kind of gift you can give, plus you’ll have fun in the process.

I admit this can be a bit time-consuming, but you’ll save a small fortune.

Grow Your Own Fruit & Veg

Why pay for the fruit and vegetables you can easily grow in your garden?

You probably think that growing your own food is difficult, but it’s easier than you think.

Plus, you can make savings of up to $100 every summer. Not to mention the beautiful homegrown fruit and veg you’ll have on demand.

Host Dinner Parties Instead of Eating Out

A good social life is essential, but it can cause problems when you’re trying to save money. This is a simple, frugal hack that will stop you from spending money on trips to the theatre or restaurant.

By inviting your friends to your home for a dinner party, you’ll instantly become the most sociable friend ever, And, it is way cheaper than eating out.

Top Tip: To save even more money, suggest that each friend prepares a dish. A win-win situation for everyone involved.

Watch this video for more frugal ways to save money:

6. Find Coupons That Will Save You Money

If used correctly, coupons can result in considerable savings off your grocery bill – up to $110 per week!

Look for coupons in newspapers, magazines, and money-saving websites. Also, check the packaging of the products that you have already purchased. Brands often attach coupons to their products.

Find Coupons That Will Save You Money

Caution: be careful not to fall for the marketing tricks of coupons. Only use coupons for items that you already intend on purchasing.

If you buy a product, just because you have a coupon available, you won’t be saving money.

Suggested Read: Tips From The Coupon Lady

7. Start Selling Your Things & Save The Profit

Do you want to save, but you have zero money to invest? Well, if you’re that broke it’s time to start selling some of those assets you have laying around your home.

Have a look around for items that you own, but you can live without. This could be an old laptop or smartphone. Or perhaps you own some books that you have already read. What about old clothes, shoes, and jewelry?

With a quick search, you’ll be amazed by what you can find. Sell these items online, and you’ll instantly free up some cash that you can put straight into your savings.

For more help on selling your old things, watch this video:

Bonus Tip: Make Extra Income & Save The Profit

How do you save money when you have none? Simple, make some extra money.

Instead of searching for savings in every possible situation, try focusing on earning some extra cash.

Consider taking on a part-time job to bring in some additional funds. The trick is to save any extra income you earn. You’ll start saving money in no time at all.

Need a Job - Make Extra Income & Save The Profit

If you’re struggling to think of any ideas to earn extra income; or, if finding time is the issue, you can relax; there are tons of ways to you make money from home. Here are a few ideas:

Start a blog

Earn cash by using trustworthy survey sites

Start a YouTube channel – Learn how to make money from YouTube

Become a freelancer

Make money by using social media – Learn how to make money on Instagram

I hope the above seven tactics will help you to start saving money today! Below is a list of the common question I get asked all the time. If you have a question, add it to the comments below, and I’ll reply as soon as I can.

How to Stop Spending Money?

For some people, to stop spending money can be extremely hard.

It’s no different from those who find it hard to stick to a weight-loss diet. It takes strong willpower and determination to quit something you enjoy doing.

Fortunately, there are many things you can do to help you to stop spending money.

Raise The Stakes

By adding an extra layer of pressure, you’ll be more motivated to stop. You can achieve this by publicly announcing your savings target, and by what date you want to reach that target.

You can also add a forfeit or a punishment if you don’t hit your target. For example; commit to doing an embarrassing dare in front of your friends if you fail to hit your target.

You’ll stop spending money in no time.

Adopt the 30-Day Rule

The 30-day rule is a tactic you can use to stop yourself from making unnecessary purchases.

Eliminate impulse purchases by giving yourself a 30-day window before committing to any significant purchase.

This will give you enough time to consider if you NEED to have that item.

How Can You Save Money Every Month?

Most people are paid every month. If this is the case, I suggest using method #3 in this article.

Automate your income, so that you save a sum of money as soon as you’re paid each month.

This way you don’t have to worry about saving each month, and you won’t miss the money.

How to Save Money Every Day?

Well, this is a different mentality from saving every month. If you prefer the satisfaction of saving every day, I suggest saving the pennies.

At the end of each day, throw any loose change you have into a money jar. 

Small change will soon turn into huge savings.

Also, use the tips in #3 to automate rounding up the purchases you make using your credit or debit card.

How to Stick to Your Budget?

First of all, you need to make a clear plan with, with achievable targets.

It’s impossible to stick to a budget when you don’t know what your budget is. Figure out exactly how much you need to save and when you need to save it by.

Then you begin to figure out monthly and weekly targets.

Revise these targets regularly, and hold yourself responsible for achieving your goals.

Just like most things, sticking to a budget requires patience, dedication, and practice.

How Can I Save Money When I’m Broke?

If you’re completely broke, and you’re struggling to pay your bills, then it’s time for extreme measures.

Figure out how to drastically cut expenses, and use as many of the methods above as you possibly can.

Living a few months in an extremely frugal condition could be enough to kick-start your savings.

Remember, it’s not forever. The first few months will be difficult, but then things will get easier. You’ll thank yourself in the future.

How To Make Millions With Affiliate Marketing On Pinterest

There are some doubts as to Pinterest’s money generating capabilities, however, making money with this social media is quite possible nowadays. So, it’s time to change your mind about this platform, as it is not just a photo-sharing network. It can become your personal promotion board.

One of the most common ways to make money on Pinterest is through an affiliate program with brands. It may seem to beginners that this is a difficult task, but everything is very simple and you will discover the best tips and strategies next.

Why you need to stop your choice on Pinterest

Pinterest is a modern visual search engine that is used to make purchasing decisions. The number of users has reached 335 million per month. Most of the users of this site are female, and they use this platform to make decisions about diet, dress, interior design, and where to go to rest. Such a platform becomes an attractive place for affiliate marketing.

Everyone knows what an affiliate program is and that it takes a lot of time and skills to promote partners’ links. You have to write reviews, helpful articles, and so on. Pinterest makes this whole process easy. In short, you have to create an attractive Pin with an affiliate link. Sounds simple, right? Below you will learn about the three main ways of Pinterest affiliate marketing.
Tips before you start making money on Pinterest with an affiliate program

If you asked yourself such a question as “how to earn on Pinterest”, then most likely you are new to this site. Before we start considering the main tips, you need to do the following:
Registration and audience gathering: Define your niche in which you would like to sell products or services. For example, you may be fond of confectionery and know a lot in this area. So, you need to define your target audience. If we follow the example, then most likely women are your target audience. 

Create a profile on and make a board that will attract women who are interested in cooking.
Choose a company for affiliate marketing on Pinterest: Pick up a company based on the interests of your audience. Offer companies cooperation and indicate the statistics of your account. By the way, if your board gains a large number of subscribers, then such companies can find you themselves.
Use tools to shorten URLs. For example, such an application Bitly allows you to shorten the URLs of links and also track their activity. As you understand, you will know how many clicks were on your Pins.

Top 3 tips that will definitely work

Now let’s look at the simplest but most effective ways to promote affiliate links on this site. After you have followed the previous tips, it is time to start building the foundation for successful earnings with the help of an affiliate program.

1. Don’t forget to add a partner’s link to your Pin
If you already have a PIN, just edit them and add the desired link.
Create new Pins and don’t forget to always add links to them.
Don’t forget to create a high-quality and attractive product photo.
Create a text that will explain what this product is and why subscribers should choose it.
If the product is not physical, then create a mockup or corresponding picture to promote the service.
Add relevant keywords.
Do not forget to indicate that you are using an affiliate link.

2. Reboot blog traffic

If you are already promoting your affiliate program through blogs or social media, then it’s time to use Pinterest to increase your potential customer traffic. You can use the articles that you already have, as long as they are popular.
Choose from 5 to 10 successful publications.
Find images that match each existing post.
Create new pins and link them to these posts.

3. Discover relevant group boards to increase clicks

It is an excellent way to reach a large number of users, but there is a pitfall you should be aware of. The point is that many group boards do not allow placing pins where there is an affiliate link. Read the rules carefully before joining such boards.

Next, your task is to find boards that match your individual ones. There is a little secret for the search to be effective. Find bloggers in your niche and join whatever boards they have. This will save you time and find boards that fit your individual needs.

This method takes time as you have to wait for approval. Also, try to send applications to as many groups as possible, so out of 10 boards, less than half can approve you. This is okay! Be patient and take some time.

The Final Thoughts

Now you’re convinced that Pinterest is more than just a place for researching ideas or sharing photos. This is the place that will allow you to generate additional income. Undoubtedly, these are not all ways of earning money, but they can be safely considered basic and the simplest ones that are perfect for those who are completely new to both Pinterest and affiliate marketing. You can easily check it in practice. Do not waste your time and earn your first money right now.

5 Advanced Local SEO Tips to Boost Campaign Success 2022

For location-based and brick-and-mortar businesses, local SEO is the go-to strategy to drive foot traffic or nearby online traffic. However, SEO is an evolving field, and you can’t stick to a strategy that was working for you in the past.

Even the top-performing SEO strategies face a downfall after some time if not updated or optimized regularly. So, here are some local SEO tips that will help you get potential results from your SEO campaigns in 2022.

You will discover here some of the best advanced SEO tips you need to boost your marketing campaign. Read on to learn more!

1. Post on Your GMB Listing Regularly

Google My Business is not a one-time thing. Apart from creating your business listing, GMB allows you to post that users can see.

There is no official statement that GMB posts increase the rankings, but it surely increases the engagement, which results in better rankings.

You can use the GMB posts for announcing events, launching new products/services, highlighting products/services, informing changes in working hours or days, sharing limited-time offers, etc.

People can see these posts from the Updates tab or Overview section of the listing. Moreover, one can also access it from the tab “From the Owner” on the desktop.

As there is no magic number, you can post as much as you want, but at least maintain a frequency of once a week. It may seem basic but can surely boost the audience exposure of your GMB listing, which will result in increased traffic.

2. Get Published in Your Local Publications

You must have created business listings on all the possible directories you found, but work isn’t done yet. Now, find your local bloggers or news websites to get your content published there.

As the publications you’ll reach are local, they’ll have the audience you are targeting. You can participate in or host some community events to get your published.

Moreover, you can also contribute content to the blogs of your niche. This will increase your topical authority and enhance the local rankings.

You can use the search operators like the below example to find your niche and city blogs. If your business deals with home renovations in Toronto, then with this single query, you got almost 800 prospects you can reach out to publish your content.

You can use the different variations of search operators and keywords to find more prospects for your outreach.

Marketing For You– a digital marketing agency in Toronto used this strategy to publish their content on Canadian blogs that post about marketing. As a result, the website rankings received a substantial jump.

 
3. Publish Local Content

Today, almost every business has a blog to share their industry knowledge and support local SEO. It’s good, but there are numerous businesses out there in your niche, and if you write the same generalized content, it won’t get you anywhere.

People are sick of monotonous content, and they need highly personalized content. So, for local businesses, the content should be more local. You can write about the experiences and projects you have worked on in the neighbourhood.

If we consider the previous example of a home renovation business, then you can write about the house projects you worked on and even share the before-after picture of those houses.

This way, you gain more trust, authority, and exclusivity, which makes you stand out and earn more business.

4. Create Research-Based Content

Research-based content always performs exceptionally; just the creation of the content takes little effort. But there is a way you can do it easily, even if you don’t have a huge audience or email subscribers.

You can use the relevant Facebook groups to post your polls and collect data that make sense for your business. You can also consider online communities to perform your research to gather the information. Make sure you join the relevant groups to collect the data.

Make some questions with multiple options and post them on the groups to record the responses. Always meet the group guidelines to avoid being banned from the groups. Don’t spam the group by posting all questions in a day, post one question at a time, and give it some time to reach the maximum audience.

The minimum sample size for research is 100, so even if you get 100 responses, you can create your research content.

5. Make Negative Reviews Positive

Don’t take it literally; you can’t do it, but there is a way to optimize negative reviews. First, know the reason for the negative review and respond with an apology and proper support.

It leaves a bad impression on your potential new customers if you leave the negative reviews unattended. Instead, provide them with the proper support for their problem and offer some compensation like discounts or coupons.

This way, you’ll not only solve the problem of the unhappy customer, but also your prospects see you as a brand that cares about its customers and provide the best customer service.

So, we can say negative reviews are a blessing in disguise; just make sure you don’t get many negative reviews; it shows a problem with your product/services. Source


Bonus Tip: Make Recurring Customers

It’s essential for a business to have customers that are loyal. You can do it by making a reward point system or offering a decent discount on every purchase.

The reward points make customers feel they are getting something extra with their purchase that they can use to buy more in the future.

So, it makes people stick to you. It’s not a core loacal SEO tip, but you can promote it on your website and other platforms to grab the customer’s attention and convert new customers. You can also work on a referral system to let your customers do the marketing for you.
Conclusion

All these strategies are pretty popular, you only need to integrate these into your local SEO. Local businesses have a limited audience, but make sure you give them the best online experience that they can’t get anywhere else.

So, implement these local SEO hacks in your SEO strategies and keep updating these according to new trends to have the potential results. Google also rolled out an update on the authenticity of the reviews, so make sure those new updates are followed at best.

Forex Trading: 5 Best Low-Risk Trading Strategies For Nigerians in 2022

Forex trading in Nigeria has seen increased participation in the world of investment. All thanks to the country’s burgeoning middle-class flourishing economy, and the proliferation of fast and reliable internet access.

As such, forex trading is a potentially lucrative investment approach, which involves currency speculation in the world’s biggest market. There are several defining characteristics of the forex market which make it a unique investment arena for individuals in Nigeria.

There is no centralized foreign exchange market. Instead, this form of over-the-counter (OTC) trading is conducted electronically among traders throughout the world.

The market is open 24 hours a day, five days a week, with currencies being exchanged between the world’s largest financial hubs.

While trading currencies on this vast and volatile global market present many profitable opportunities, it is vital to enter the forex market with a sound strategy that allows traders to mitigate their risk for financial loss as far as possible says Louis Schoeman from Forexbroker.ng

In this post, you will learn the 5 best low-risk forex trading strategies that will allow Nigerian traders to tackle the currency markets with a stable investment approach.


1. Momentum trading strategy

The premise behind momentum forex trading and the use of momentum indicators is that a significant price movement in one direction is a positive sign that a price trend will continue in that direction for a while.

Loss of momentum can be an indication that a trend is losing steam and may be headed for a turnaround as well.

Price and volume are regularly taken into account when employing momentum techniques for forex trading in Nigeria, which often makes use of oscillators and candlestick charts as visual analytical aids.

2. Range forex trading strategy

The theory behind range forex trading is that prices tend to remain stable and predictable over the course of a specific time period. Markets with predictable economies and currencies that aren’t frequently affected by unexpected news occurrences are ideal for this strategy.

The relative strength index, the commodities channel index, and stochastics can all be used by range traders to identify opportune trade entry and exit points.

In order to make consistent profits, range traders must be able to buy and sell at predetermined resistance and support levels at regular intervals.

To use this strategy effectively for forex trading in Nigeria, it is worth combining both technical and fundamental analysis in order to take a longer view of market trends.

Fundamental analysis involves observing news trends and collecting other important market data which will allow you to interpret the direction in which the markets are headed.

3. Trend trading strategy

Another popular and prevalent forex trading approach is trend trading. It’s very simple to follow and understand for beginners.

Moving averages, relative strength indicators, volume measurements, directional indices, and stochastics are all used by trend traders to evaluate trends.

If you discover an upward or negative trend in currency prices, you can then determine the best time to buy or sell. In addition to the currency’s price position within the trend, the strength of the trend is also taken into account when making these predictions.

4. Using fundamental analysis

A country’s economic data has a wealth of information that may be used to predict future trade and investment patterns. Concentrating on a few key indications simplifies the process.

There are a number of major elements that can affect a country’s economy and currency, including retail sales, GDP, industrial production, the CPI, inflation, purchasing managers’ index data, housing data, and many more.

Forex traders use fundamental analysis to determine if a currency is cheap or overvalued based on the country’s economic fundamentals. They also use data to try to predict how the currency’s value will change in the future in relation to another currency.

5. Breakout forex trading strategy

Breakout forex trading is an excellent alternative for newcomers to the forex market because it is one of the easiest strategies to learn.

Any price movement outside of a designated support or resistance range is referred to as a “breakout”. “Bullish” breakout patterns emerge when prices rise over resistance levels. Alternatively, “bearish” breakout patterns can also occur when prices fall below key support levels.

Due to the fact that market volatility generally begins with breakouts, breakout trading is an important method. The volatility of the market can be used to a trader’s advantage if he or she waits for a price level to break before jumping into a new trend.

A useful tip when applying stop-loss orders using a breakout strategy is to do it no more than a few ticks above or below the breakout candle. That way, your bets will be linked to prior levels of support or resistance.

Integrating fundamental analysis here will also allow you to detect whether there is a false breakout occurring so it is important to keep tabs on major news announcements that may shift the markets in this regard.

Breakout strategies are highly common amongst Forex traders as they give a strong indication of good buy or sell points and therefore can result in strong profits.

Final thoughts

Successful forex trading in Nigeria relies on a sound strategy that will allow you to determine the best entry and exit points in the markets, and which will cause you to approach the forex markets with a risk-adjusted mindset.

Added to this, using a strategized approach allows you to retain focus while not succumbing to the emotions that so often overtake beginner traders. Such emotional thinking can result in critical mistakes and lead to discouragement in your trading.

Whichever strategy you choose will ultimately depend on your own trading goals, but it is also important to find the strategy that works best for your experience level, the resources at your disposal, and your trading profile.

Finally, it is vital to backtest several strategies before settling on the one that works best for you. By making use of a demo account from a reputable broker, you can test your strategies against real market conditions without risking any of your own money.

10 Awesome Ways To Make Money Online In Nigeria (2020)

Whether you are a freelancer, full-time employee with a major corporation, a stay at home mom, a university student, or a job-seeker – there are several ways to make money online in Nigeria with little or no capital investment.

One of the great things about the internet is that it’s such a great way to get into business for yourself. No matter where you live, as long as you have an internet connection, you can always make money online. In this post, we’ll be sharing some easy and legit ways to make some extra cash in your spare time.

1. Publish Books Online

Okadabooks is an online website in Nigeria that makes it fast, easy and free to publish books online. This is not limited to books alone but also short stories, reviews or anything worth reading. The best part is that Okadabooks allows users to monetize each book published which means you get paid when any of your publications are downloaded or read.

2. Sell Designs & Creatives Online

Do you have some basic design experience? Printivo Online Store is a marketplace that allows anyone to upload and sell designs to customers. Each time a Printivo customer makes use of your design or orders a print with your design you get paid 15% of the value of the design by Printivo.

3. List on Property Websites

Do you know of any property available for rent or building for sale in your area where you live? You can always earn a quick agency fee by posting available properties in your area on property websites such as Tolet, Jumia House & Private Property. All you have to do is to register as an agent and you are good to go.

4. Start a Blog or a Vlog

Yes, good old blogging is still chugging along in 2017. By providing valuable content on a regular basis you attract like-minded prospects who are interested in information and products related to your niche. The more traffic you have the more money you can make by monetizing your blog. For Vlogging, you can get started by creating a Youtube channel as a platform for distributing your video contents.

5. Sell on E-commerce Websites

Another legit way to make some extra cash online in Nigeria is by selling on e-commerce websites. Jumia, Konga, PayPorte are all e-commerce websites that allow a merchant to list and sell products online for free. This list of websites exposes your product to a huge chunk of online audiences that you will not be able to access offline making it easier and faster to sell and make more money online.

6. Affiliate Marketing

If you’ve got a good presence on social media or perhaps you even have a blog or website, you can start bringing in money immediately by promoting all sorts of companies, products, services and offers online. You can even apply to affiliate programs of some notable brands in Nigeria such as Konga and Jumia Affiliate Program.

7. Offer Professional Services Online

Another way to make quick and legit money online is by freelancing. Most freelancing websites allow you to leverage your skills to earn some quick cash online. Common skills in demand for online services like these include content writing, social media management, website design, graphic design, search engine marketing, etc.

8. Become a Virtual Tutor

Another way to make money online is by teaching others what you know. You can become a virtual tutor and engage in one-on-one tutoring sessions or even host Webinars to help people directly with any number of topics. Nigerian websites like Tutors NG allows users to monetize their knowledge by creating online learning materials for others in need of specific knowledge.

9. Online Surveys

An increasingly popular way to make money online in Nigeria is to fill out online surveys. This can be done in your spare time. Research companies are always recruiting new members to answer surveys and test new products. For a few minutes of filling online surveys, you can make some quick cash as a reward.

10. Apps & Websites Testing

The main aim is to improve online experiences for everyday internet users. Internet companies are always looking for real people like you, to test out new or existing mobile apps and websites so that website owners, coders, and designers can see and evaluate the obstacles that real people experience with their products. Most of the companies reward the testers in cash for each app or website tested (Check out User Testing).

Conclusion

These online business opportunities should give you plenty of ideas for making money online in Nigeria. Take what you’ve learned from this post and start testing your own ventures. It will take some hard work. But it’ll be well worth it when you find yourself on the road to financial freedom in a very short while.

We will be adding more ideas and opportunities to this post as time rolls on, so go ahead and bookmark this page for future references. You can also share with your friends that may need some money making ideas.

Top 10 Free Business Listing Websites In Nigeria

Listing your business in local business listing websites is a great way to increase your business online visibility, reputation, and branding. Local business listing websites help a business to get more traffic from its target customers. If you are visible in front of your target customers, you will get more traffic and leads.

Adding your business to an online business listing directory is one of the best SEO strategies for small businesses as it will positively impact your business ranking on search engine websites such as Google, Bing etc. Aside from referral traffic, posting your business with appropriate points of interest for your business or an organization can give help your potential keyword positioning also.

There are numerous quality business listing websites that have premium memberships however we have tried our best to give you the free quality listing of business listing sites in Nigeria.

1. Google My Business.

Take charge of what people see when they search for your business. Getting on Google My Business can increase your chances of showing up in Google’s Local Pack, Local Finder, Google Maps, and organic rankings in general.

Google My Business gives you the tools to update your listing, build a website, and engage with your customers from your phone, tablet or computer. Qualifying local businesses can also claim existing free listing on Google and include information about their company, like their address, phone number, business hours, and types of payments accepted.

2. Facebook Business Page.

A Facebook business page is a free public profile you can create for your local business, brand, or product. Similar to your personal Facebook account, you can use the Page to promote your business or products by posting status updates, links, event announcements, comments, or photos and videos.

Facebook also allows users to list local business or brand to FB pages. You can publish your local business on FB and also get some good reviews from your customers. Facebook reviews also appear in the right sidebar of Google search.

3. VConnect Nigeria.

VConnect helps you hire local professionals for all your service needs. From repairing your car to planning your wedding, the platform connects you with the best service businesses to get things done.

VConnect is committed to making a meaningful impact through continuous innovation to meet the dynamic needs of SMEs and empower users by creating a system that delivers better value through easily accessible information and connections with the right service businesses.
4. Business List.

Business List Nigeria integrates all the best services and businesses in Nigeria into an easy-to-use, searchable database with a user-friendly and stylish interface. The platform helps you look into the Nigeria business world with confidence and style.

Listing your business on Business List website will give you the online presence and visibility you need to attract more customers online. The platform is completely free and you don’t need to pay any money to get listed.

5. Connect Nigeria.

ConnectNigeria.com makes it easy for you to find businesses and places. Whether it’s the nearest amala joint, a bank branch, a restaurant or an embassy. You can find it on ConnectNigeria.com fast and easy.

ConnectNigeria.com’s mission is to organize Nigeria’s information, making it easy to find and easy to use. If you want to get some free publicity for your new business, ConnectNigeria.com is the right place to be.

6. DealDey Nigeria.

DealDey is one of the most popular e-commerce websites in Nigeria. DealDey supports local business and merchants who want to attract new customers and consumers who want to save money and take advantage of great services and activities in their own city.

The company philosophy is simple: To help great businesses be found by consumers who are looking for a great deal. If you want to give your business the right online publicity in Nigeria, then get listed on DealDey.

7. SME Arena.

The SME Arena is one of the largest SME search engines in Nigeria that you can sell and buy anything at the marketplace, engage in the community and enroll at the directory by signing up for free.

The now-defunct Etisalat Nigeria launched SME Arena on August 10th, 2016 in Lagos. This e-commerce portal allows small and medium-sized enterprises to showcase their products and interact with customers and business partners.

8. Finelib.com

Finelib.com was developed with an idea to develop Nigerian local content thereby leveraging information technology potentials for higher productivity, good governance and global competitiveness for Nigerian companies offering goods and services.

The website helps businesses who need customers to find them. Finelib.com works in all the areas local customers search which includes online, mobile and more. The company’s primary goal is to develop and grow Nigeria local content in a wide variety of topics.

9. NG Contacts.

NGContacts is a database with profiles and contact details of companies and businesses in Nigeria. It also has details of company executives in various companies and organizations. NGContacts is one of the trusted and leading source of business information for company executives in Nigeria.

NGContacts is used for research and marketing, to promote your products and services, and reach millions of customers in Nigeria and beyond. It contains addresses of companies, phone numbers, emails, and much more.

10. LGT Nigeria.

Just in case you are wondering, LGTNigeria stands for Let’s Go There Nigeria. The main goal of the company is to organize Nigeria’s Business Information; making it easily accessible and useful to the general population as well as provide a platform to help promote the Nigerian startup business and their products.

Business merchants can list their business information for free and catalog, manage and advertise their products. Customers can also easily search for local business info, purchase products, request services, provide feedback and share their experiences.

How to go From Poor to Rich in a Year

 

How to go from poor to rich in a year; is it possible? In this post, I will share the 7 steps I have used to develop the mindset for financial success.

Wondering how you can accumulate wealth and become rich? Well, you aren’t alone. Many of us dream about becoming the next Bill Gates or Elon Musk; however, accomplishing that level of success is not easy. But it’s not impossible either.

In reality anyone can become rich. Although getting there takes a combination of courage, knowledge, effort, skillful decision making, and a little bit of perseverance.

There’s no one surefire way to make you wealthy overnight, but there are some proven ways that can help you build wealth in the long-term.

How to go from Poor to Rich in a Year (Pinterest Image). Smiling woman holding an iPad.

In my post how to become wealthy in 5 years, I explain why you should focus on becoming wealthy instead of rich.

In this post, I’ll be sharing with you the right steps to set yourself on a path that leads to financial freedom and sustainable wealth.

Let’s get started. Here’s how to go from poor to rich in a year:

1. Commit to Becoming Rich

I hate to break it to you, but the desire to become rich without committing to it is certainly not going to work. You need to stop treating getting rich as a hobby and be prepared to make hard decisions.

Once you start following this path, you have to fully devote to your plan and believe that you can do it; because it’s possible and you deserve success.

There’s no room for giving up or failure. You should be ready to give whatever it takes for as long as it takes to achieve wealth.

2. Financial Education

Man reading a financial education magazine. The page has a picture of Richard Branson (right side) and the title "The entrepreneurs guide to success & business growth"

Investing in your financial education is a fundamental step towards building wealth. You don’t need to go to college or spend a fortune to learn about money.

There’s no standard program to teach you about personal finance, but there a few great ways to go about it.

I’d recommend you take the time to read personal finance books & resources. Here are a few recommendations:

5 Minute Millionaire Mentor

The Total Money Makeover by Dave Ramsey

I Will Teach You To Be Rich

These are handy books to kick start your learning journey. There are also great online courses and podcasts to listen to and improve your financial literacy in regard to basic topics like budgeting, debt, saving, and investing.

Don’t just follow one resource or finance expert. The best way to learn is to take in enough information so that you can form your own opinion.

The author of the book Rich Dad, Poor Dad — Robert Kiyosaki, says there are 3 sides to a coin; not the 2 sides as many people know (the edge of the coin represents the third side).

Instead of simply sticking to advice from one teacher or expert, a smart person will stand on the edge of the coin to see what the other side has to offer.

3. Cut back unnecessary expenses and live frugally

Adopting a more frugal life is something I recommend. Frugality means being economical with your money and avoiding lavish or unnecessary spending.

Start by accounting for every dollar you spend each day simply by setting a budget. It helps if you stay within your spending limits. Being disciplined can prevent you from making impulse purchases when you go out shopping.

If you are having trouble tracking your daily expenditure, take advantage of expense tracker apps. Another practical option is to use Excel spreadsheets.

At the end of the day, you can review your spending and see what doesn’t make sense. Here are a few more tips to reduce your expenses:

Cut back on lifestyle expenses

Let’s assume you’re the type of person who enjoys going out for food and drinks most days of the week.

It’s a good idea to start cooking more at your home. This change can help you to avoid the high prices of eating out at restaurants.

By eating more at home, you can help to cut your monthly expenses by an average of $200. That’s a saving of $2,400 in a year!

Suggested Read: How to drastically cut household expenses

Lower your energy bills

There are several ways to save on your utility bills. For example, you can install a smart meter, energy-efficient bulbs, and insulating your home if you haven’t done it already.

A smart home meter can help you make better energy choices and control your bills. It gives you accurate real-time information on your overall energy consumption.

Since the device can be programmed to shut off when not needed, it can prevent your electrical appliances from running and wasting energy.

Insulating your home can prevent the loss of heat through walls, roofs, windows, floors, and doors. With proper insulation, it becomes easier to meet the heating and cooling needs without your system running longer.

Avoid expensive premium brands

As a consumer, you have some lower-cost brands out there offering quality products that can meet and even exceed your expectations. Keep in mind expensive products do not always translate to ultimate superior quality.

Don’t be afraid to try out the slightly cheaper brand and compare your satisfaction. You’re likely to notice no significant difference except in your savings.

Suggested Reads:

How to live super frugally and happy

Grocery shopping on a budget for one person

4. Clear any debts first

Debt can get in your way of getting rich, especially if you have different loans with high-interest rates. Debt simply borrows from your future income. And, it may encourage you to keep on spending more than you can afford.

If your debt doesn’t have future value, then that’s considered a bad debt. And the best thing to do is to pay it off.

A good example of bad debt you should clear first is credit card debt. Credit card debt has a stronger risk on your finances because it compounds way faster than your best investments ever could.

In other words, you’re likely to have a debt load that outweighs your earning capacity and ability to pay it off.

Getting out of debt may seem easier said than done if your finances are already stretched.

The good news is that there are practical ways to reduce your expensive debts. First of all, the money you save from becoming more frugal, can be used to pay down your debt.

Secondly, you can always look into debt consolidation or debt refinancing.

With the debt consolidation option, you can turn your expensive student loans, credit card debt, and personal loans into a single manageable debt.

Debt refinancing involves taking out a loan with more favorable terms and conditions to replace your existing expensive debt.

This can save you a significant amount of money on interest rates. You can use your savings to make more than the minimum payment so that you pay down the debt sooner.

Remember, I’m not a financial advisor. I’m just sharing what I would do. When it comes to debt, its always best to seek professional financial advice from an expert.

When you become debt-free, you’ll instantly feel like a weight has been lifted from your shoulders. It’s now time to make some money.

Watch the video below for more tips on how to pay off debt fast.

5. Treat your money like a rich person

Mega-successful people have a financial growth mindset. They focus on spending money on profitable opportunities.

Wealthy people are more open to exploring new ideas because they believe there’s always more money to be generated. Also, they are not easily carried away by instant gratification.

I’d like to make a simple suggestion. Be frugal on purchases that depreciate in value or don’t produce income. Buy assets and avoid or reduce liabilities.

For example, spend frugally on things like cars, home appliances, entertainment items, computers, smartphones, and clothes depreciate quite rapidly.

I’m not going to tell you to avoid these things entirely, but it pays off when you practice conscious spending. The rich wouldn’t stay rich if they always spend mindlessly.

Learn to take full control of your finances. As I mentioned earlier in this post, you need to prepare a budget and pay attention to your spending so you know where your money goes.

Automating your finances can take away the stress of managing your money effectively without leaving anything out. When you receive your paycheck, the money is sent to where it is supposed to.

Your bills will be paid on time and money put away in your savings account without you even lifting a finger. Also, you’ll know if you have some income left over to spend guilt-free.

You can always tweak the automated system to work best for you.

Here a are a few example of how automating your money works:

Contribute 10% of salary to your 401k and Roth IRA plan.

Save 5% of salary for things like wedding, vacation, and down payment on a house

Use 50%-60% of salary to pay regular and miscellaneous bills (rent, utilities, debt, gym, Netflix, etc.)

Spend 20%-35% of salary on what makes you happy guilt-free

Suggest Read: How to start saving money when you have none

6. Invest your money

Woman looking at her personal finances on her laptop and phone.

That’s right, it’s time to invest your money. Investing is a smart way to grow your finances and get rich.

It’s important to remember that investments do involve some kind of risk. Therefore, you have to choose your investments wisely. One bad investment mistake can be very costly.

Below are a few great suggestions you may want to consider.

Invest in stocks, shares and mutual funds

When you invest in stocks, you become a shareholder of a corporation. You’re entitled to be part of the earnings and assets of that corporation. As a shareholder, you can make money through dividend payment or by selling your shares.

Investing in stocks can help you build wealth if you make steady investments over a long period.

The average annual return is estimated to be 7%. This means your initial investment in the stock market will double ten years.

It’s good to keep in mind stocks can go either way. So before buying your first stock and putting it on autopilot, at least make sure you’ve mastered the fundamentals of stock investing.

Stocks carry more risk than mutual funds. With mutual funds, you can diversify your assets.

It can consist of a mix of stocks and bonds or 100% stocks that are not entirely of one corporation.

If the unthinkable happens and stock prices decline significantly, you won’t be hit hard like you would if you only invested in individual stocks.

Invest in real estate

In my humble opinion real estate is one of the safest investments to accumulate wealth.

However, it typically requires high initial capital that you may not be able to raise as for now.

If you already have enough money saved, don’t waste more time. Research the best areas where to put your investment.

Whether you’re buying, developing, or selling real estate properties, the rewards are certainly encouraging.

Invest in businesses

Business is a broad subject. While there are hundreds of business options, it’s advisable to invest money in a business centered on your skills, hobbies, interests, and talents to increase your chances of success.

Put simply, you should focus on a type of business you would love spending time on even when things aren’t as swift as you anticipated.

7. Build multiple streams of income

Diversifying sources of income should be part of your get-rich plan. You don’t necessarily need to quit your job to start a business. And without further ado, let me show you how to go about it.

Start a blog

It easy to create a blog and you can work from anywhere. Just like most methods, a blog won’t make you rich fast. However, a blog is a great way of creating a new stream of income.

It takes time to reap the benefits, but in my opinion, its worth it!

When starting a blog, I’d recommend venturing into something you’re passionate about. For example, if you love cooking food, you could start a food blog to share different recipes with people.

To earn money from your blog, you’ll need to monetize it. You can do affiliate marketing, email marketing, securing sponsorship, selling eBooks and online courses, etc.

Affiliate marketing

I picked out affiliate marketing because it’s my favorite way to earn extra money online. It’s arguably the easiest and effective option.

Basically, you promote someone else’s products through your blog or website. For example, you could do product reviews for potential customers. If the buyer makes a purchase, you get a commission.

The beauty of affiliate marketing is that most of the programs are free to join. And with so many companies offering different types of products to choose from, it’s easy to find something you’re passionate about.

Physical products

Selling physical products can also create an additional income stream. All you need to do is find a manufacturer to work with and then work on optimizing your listing online. You can sell common products, which people tend to order frequently.

The video below will provide you with even more great ideas for income streams.

The final word

While accumulating wealth can be a rewarding and satisfying undertaking, don’t forget about the more important things in your life. Who wants to become a multimillionaire or billionaire only to end up lonely and in poor health?

Also, I always think it’s best to avoid the get rich quick schemes, such as multi-level marketing (MLM) business. People have become rich through winning lotteries, but striking gold may be an impossible dream for many of us.

Building wealth takes dedication and patience. The chances of you becoming a millionaire overnight are slim; but if you follow these 7 easy steps, you soon develop a rich person mindset. And, that’s how to go from poor to rich in a year.

Amazing 5 Forbes Tips for Investors, Entrepreneurs on Building Business, Brand and Ideas in Nigeria

With a population of over 200 million people and Gross Domestic Product (GDP) worth over $448.1 billion, Nigeria is unarguably fast taking the centre stage as the engine room of business force and the biggest economic hub in Africa. 

Your support matters. Sustain independent journalism in Nigeria – contribute to Legit.ng. This, without any iota of doubt, is more established especially now that more business ideas are being regularly conceived, practically generated and technologically driven to meet the mandatory demands of people vis-à-vis the global models. 

igeria, though, is facing numerous challenges from security to poor academic value, poor health and lack of adequate living standards, there seems to be an extended chain of interest from both inventors and nationals leveraging the available market space to build their business in the "giant of Africa." Establishing a business idea and brand in Nigeria requires knowledge of the industry one wants to go into. 

So whether you are a local or foreigner entrepreneur, these five steps will help you to grow and foreground your business: 

1. Know the business you want to do and navigate your way through the market space 

It is frequently said in economics that before diving into a business space, entrepreneurs and prospective business owners are expected to solve the problem of what to produce, how to produce, where to produce, when and for whom to produce for. 

Since where to produce is in Nigeria, and for whom to produce are Nigerians and other nationals living in the country, it is expedient that you as a business owner know the current trend in the industry you want to dive into. Whether goods or services, you must do market research and survey, analyse the demand, do the Strength, Weakness Opportunities and Threats (SWOT) analysis of the industry and know how to outsmart your competitors. 

Make your business flexible. And while trying to get a solid sense of how the market might change, explore the market more – and more because Nigerian market space is a business book of endless chapters. 

2. Be strategic and let your modus operandi be more open to changes in the trend 

The shift of business pattern in Nigeria is not a coincidence but a necessity and reality of the global trend. So while building your business brand, ask yourself often about what will be the fate of it in the next five years. 

It is noteworthy to state that with a dimensional rise in literacy level, internet access and speedy rise in the number of social media users, businesses and business owners in Nigeria now leverage the advantage of advanced technology to promote their products and brands. As a business owner, you must analyse the relevance of your goods service, make it problem-solving and solution-providing. Be strategic in solidifying your brand in a way that will build customers loyalty. 

In Nigeria, customers have a way of sticking to a business they help build. You must not disappoint as you grow your brand and establish your business ideas. 

3. Follow the rule and be on the side of the regulating agencies 

Building a business brand in Nigeria can be difficult sometimes, especially for a foreigner due to overwhelming tax and the burden of regulation. The environment can be sometimes toxic, but it depends on how you navigate your way. 

So to avoid a turbulent run of disappointments, expect your tax to grow as your business expands, and expect a little scuffle with necessary regulatory agencies. However, regardless of the level of regulations and tax, always find your ways to the same page with the regulating agencies of your industry. 

You are also expected to get the regulatory licenses you need and pay the associated taxes and levies. This will save you and your business some future stress. READ ALSO Most consumed goods in Nigeria 

4. Create more financial security option 

Sustaining a business brand in Nigeria demands time and unhindered capital inflow. For this reason, you must create credible financial security for yourself, and apparently, this may involve bits of help from friends and family members. 

Also, consider formalising the process of exchanging cash for equity with the appropriate legally binding paperwork. Getting loans from banks is another financial security opinion, though this may not be advisable considering the fact that banks in Nigeria are not friendly to small businesses and budding startups. 

If you should take the bank loan option, be sure that your business is going to pay back within the time frame of the agreement by both parties. Another option is grant. You can also seek funding from investors willing to channel resources into your business brand and ideas. A big idea needs a proper plan, moral and financial supports. Don't be shy or afraid to allow like-minded people to be part of your future success story. 

5. Build your reputation as you build your business 

It is necessary that when you are planning to build your brand and turn your idea into a great business, you must build your reputation also. Obviously, this is where publicity comes in. You need to make yourself visible the same way you strive you grow your brand and ideas. 

Publicity, which is totally about awareness, is not only product and organisation. As a business owner, you must invest in yourself to give your business acceptability and patronisation.

Best Courses to Study in the World

Every student selects a course that they believe will help shape their careers and build a solid future. The selection process sometimes starts when one is in high school. While still young, one may want to follow their passion. 

Growth and the dynamics in the education sector may make one change their mind once they come of age and understand why certain programs are more recognized. The best courses to study in the world guarantee one stable employment and great career life. 

Technology and innovation have changed the world massively. Some programs never existed in learning institutions a few decades ago, but thanks to technology, they are among the best. The dilemma of picking a course should be made lighter, especially for students who know which subjects they excel in. 

Choosing a course because one thinks it is trendy can be catastrophic, especially if you are not well-versed in the field you pick.

What are the best courses to study? 

Fields like Finance, Engineering, Healthcare, and Information Technology will always be in high demand. However, it is wise to consult with teachers, parents, and mentors on what courses to select before picking what to focus on in school. The following are the top 10 best courses to study at the university. 

1. Information Technology 

What is the best course to study in 2020? Technology runs the world today. Any basic action performed by governments, in homes, and whichever sector requires some form of technology. Information Technology is a broad field. 

It produces web developers, computer scientists, specialists who maintain databases, and all sorts of experts. Taking any IT course assures you a bright career as both big and small companies are always looking for IT experts. Some firms even take it upon themselves to train the experts as some learning institutions do not teach some critical skills. 

The best thing about taking IT is that you can work in any firm in the world. 

2. Medical and Biological Sciences

Which field is best to study? Medicine is the best field to study. Medical practitioners will always be needed in society. As much as people try to lead healthy lives, emergencies happen that require trained professionals. Doctors, nurses, clinical officers, and everyone in the healthcare field are deemed an essential service provider. 

The world's population is growing, and so the services of healthcare workers are needed more. Researchers and scientists are also required as they work on various discoveries in the medical field. 

3. Entrepreneurship Entrepreneurship courses are among the top tier courses you can go for. The world needs individuals who are gifted in the business field. The past few years have seen the tremendous rise of startups, which have brought massive changes. Going for entrepreneurship and startups courses will help one transform the little money they have to a huge investment leading to the building of an empire. 

Serious investors will not think twice about sharing their capital with someone who understands entrepreneurship inside out. 

4. Pure Mathematics and Statistics 

Data and statistics are created every day. This is why the world needs people who understand mathematics and intricate technology to help break down and use all the data floating around. Mathematicians and statisticians use complex technology to manipulate data using computers. 

We may be living in the digital era, but not everyone can understand complex data. Experts who have gone to school and have had the experience while working on given data can help the layman understand basics. They can also assist institutions and governments to do tasks like planning and management of human behavior. 

5. Business Administration and Sales 

If you aim to be the head honcho of a successful company one day, then Business Administration may be a course you want to consider. Many CEOs and other leaders in managerial positions have a background in Business Administration. 

Having a background in sales is also important as having skills in sales helps promote and sell products and even grow a brand. Business Management and Business Administration programs can be topped by other short accounting courses or related finance degrees. 

6. Engineering 

Engineering is one of the traditional courses that will never go out of fashion. Just like IT specialists, engineers are needed in most sectors. Some of the most marketable engineering courses include Engineering Management, Chemical Engineering, Mechanical Engineering, and Electrical Engineering. 

Software engineers are also as important as the other engineers who do more physical work. Thanks to software engineers, people get to enjoy sophisticated communication gadgets like phones and computers. Engineers will always be in demand as, without them, systems will remain broken. 

6. Clinical Psychology and related courses 

Psychologists are among the highly regarded professionals in the society today. For the longest time, only a few students were taking psychology at the university. Decades back, psychologists were not as many as they are today as the services they provided were not considered crucial. 

Changes witnessed in the society, mental awareness campaigns, and encouragement from the government and humanitarian organizations have called for more services from psychologists. With the increase in mental illnesses and diagnoses of new psychological conditions, the need for psychologists will always be there. 

Animals are also getting treated for mental conditions. 

8. Finance 

Imagine a world without money. Impossible! Money runs the world. It is the sole reason why most people get up early in the morning and go out in the world to make things work. Without finances and the circulation of money, today's world would not be where it is. Taking a finance course would be a prudent move, as there are thousands of opportunities where one can utilize the knowledge gained and make money at the same time. 

Money management, investment, stocks e.t.c will always require experts who understand money matters. The world is expanding, and so is the pool of money. 

9. Law 

As long as legal systems in the world function, lawyers will perpetually be necessary. Law has always been an elite course. The sharpest minds take law as it requires skills in critical thinking, master of various laws, and completeness in representation. Companies, governments, and high-profiled individuals always have lawyers on standby for advice or any other legal battle or emergency. 

The limitation of taking law is that countries do not follow the same legal process, so one may only be restricted to practice law in the region that applies the law they have studied. 

10. Architecture and related courses 

The creative work architects put in when designing buildings cannot be under-appreciated. Architects are known to bring beauty and vibrancy in the community through their constructions. Architects contribute to the happiness and healthy state of neighborhoods through their creations and designs. 

A city or town that has stunning buildings brings more appeal to its residents and even visitors. People will continuously need buildings to work and live in, especially when families expand, leading to population growth. Businesses also tend to thrive in areas that have a happy population with beautiful architecture.

The best courses to study in the world are also competitive as everyone wants to be the crème de la crème. The stiff competition may lock out some students who do not put in extra effort. Taking short courses related to your major on the side is also advisable as they build your resume and put you at an advantage over your peers. 

However, the end goal is to have a career that can sustain you after school. 

These top universities in Nigeria are the most popular and acknowledged because they provide the best quality of education. You can learn more about the institution that caught your eye by visiting its website. 

Go ahead and make the right choice now so the next years of your life will not go in vain.

How to Earn Money Online from Forex Trading

Earning money has generally been linked with and limited to traditional ‘offline’ routes. With the Internet advancing and being a major part of our daily lives, the majority of individuals are searching for methods to earn money online in order to augment their finances. This turns into secondary or passive income that can facilitate them to manage their expenses.

If you are looking to earn passive income through an online source, then the forex market arena is a possible method to get profits. So how can you earn online? Forex is a lucrative market with a net worth of approximately $2 quadrillion. It is also a highly liquid market, however, you will need to know the right techniques and strategies to be profitable in this market.
Understand the Market

Prior to executing profitable strategies and putting plans in motion, it is essential that you completely understand the market and the possible risks involved in trading forex. This trading technique is mainly done online, allowing a trader to gain profits or lose money. The trade ensues by purchasing instruments in one currency and then selling it in another. These are known as currency pairs. Knowing when to invest in a particular currency pair is how you can earn online.
Find a Suitable Forex Broker

To be a success in the forex market, it is essential that the broker you partner with complies with the prevailing regulatory framework that conserves the integrity of forex markets. In this market, there is a serious chance of falling victim to brokers who are a scam. There have been numerous occurrences where the traders close their operations after the transaction costs rise and the investor begins to lose their life’s worth of savings. So avoid opting for brokerage firms that have such practices. When you come across a good broker or platform, make sure to research their reputation by reading reviews and how people perceive them online. Best forex brokers shows the pros and cons, and the background of XM brokers. They are reliable and regulated brokers who support webinars and research materials. These permit traders from various international countries to engage and begin earning online.
Practice through Demo-Account Option

Novices in forex trading must take their time to practice using the free demo-accounts that the majority of trading platforms provide before investing real capital. The situations created reflect that of the real forex market. Moreover, it offers an excellent chance for learners to get comfortable with currency trading, recognizing patterns in the market and looking through a variety of trading methods. In addition, traders can extract information, advice and educational videos regarding forex trading when using the demo account. After you have mastered the trading skills on a demo account, then you can get big gains by investing real capital.

Having more than one income stream is essential in this highly expensive world. There are multiple earning sources online. A lot of individuals are opting for online earning methods because it does not require a 9-5 duty time and can lead to major profits.

How You can make Millions From Quora

What is Quora? How does it work? How can you make money by using Quora? How to sign up for Quora? How to use Quora? What are the terms and conditions of Quora to earn money, etc? All these queries are answered in this article.

1. What Is Quora?

As this article is started with the questions and will end up with the answers. Quora works in the same way as this article. Unlike another writing platform, Quora is a simple question and answer platform where you can ask your question as well as you can answer the question of others. These questions are answered by the people who are experts at the particular topic. Similarly, if you are an expert at a particular question, you can answer that question.
2. How To Sign Up Quora?

You can sign up for Quora by using your Gmail and Facebook accounts. When you will search for Quora in the Google Search Engine, you will see Quora's official website, usually on top of the list. After you have clicked on the website, you will see the Sign in and Sign Up options. If you are already a Quora user, you can simply Sign in and if you are not, you can Sign up by using your Gmail or Facebook.
3. Set Your Profile/Add Credentials:

After the successful sign up you will see your Quora profile. It is very important to set your credentials to tell the people that you are an authentic, expert, and eligible person to use Quora. Credential include:
3.1. Name:

Add your official name or business name. It’s up to you how you want to set your profile. If you want to set it as blogging with a particular blog name, you can add it. For example, I set my profile with my official name. I don’t use a blog name for the profile. I will suggest you set a profile with your name because you will have another option for a blog. I will explain it in this article in the coming section.
3.2. Work details:

Add your work experience. It is again up to you how you want to set it. If you are multi-professional, you can add all your profession or you can add one which is the most relevant to your niche.
3.3. Education:

Add your education or diplomas. In the education section, you can add your skill as well. Because it will help people to find you based on your expertise.
3.4. Add location:

You can add your home location, workplace location, or simply add your country only.


To add credentials is optional. You can add your details or you can skip it. I will suggest you add your credentials because it will make your profile attractive to people. And it will help you to grow your audience.

4. What is Quora space?

Quora space is the main source of earning. You can say it is a blog. The thing you should know is, the profile is different and space is a different thing. Such as, we have accounts and publications on Medium side by side. In the same way, Quora profile and Space are different things. It is a must to create a space to monetize your account for earning. You have to add space credentials separately.

4.1. Monetization:

On the right side of your profile, you will see a monetization option—click on it—create space and enable all earning programs. It is as simple as I write here.

4.2. Earning sources:

Based on views and engagement on your content, you may get ads on your post/content. These ads are the primary source to earn money from Quora. Quora doesn’t pay you from its own pockets. So be very clear about the earning sources.

The main earning sources on Quora are as follows:
Ads: As I explained before. You may get ads on your post based on traffic.
Subscription: Subscription is another way to earn money on Quora. You will see the subscription option during the process of monetization, as described in the previous section. You can set a subscription fee for your space. People who will subscribe to you—will pay a particular fee for the subscription to get full access to your space content.
By advertising your website:Third way to earn on Quora is—to advertise your blog or website. Quora is an enormous source to send traffic to your website or blogs. If you have your website—you can share your article’s links on Quora to engage more traffic on your website. Such as, you can share your Medium article link on Quora as well.
5. Is it difficult to get views on Quora?

Based on my experience, it is not difficult to get views on Quora. You will start getting views soon after you have posted a question or answer. However, it is somewhat difficult to get views in Quora Space. This account was created yesterday and I gain 976 views in one day.

6. How many views are required to get ads on the post?

There is no exact answer to this question. It varies from person to person. Some people earn after getting 6k views — some people earn after getting 1m views. The exact structure of views and earnings is not known. However, you can get an idea from the experience of people who works on Quora. For this purpose, you can check the answer of the people under the question ‘‘How Much You Earn On Quora Per Month?’’.You will see variety in their answer. Not all people earn the same amount of money. On average, it is 500$ to 1000$ per month.
7. Final Thought:

Quora is the easy and finest platform to earn money online. However, there is a competition in Quora as well. But if you will be consistent in your work — you can achieve your goal in a small time. Not much effort is required, though, consistency. It is easy to build your blog or portfolio on Quora as compared to other platforms. If you can not spend much time on Quora — only give an hour or half-hour daily. Patience, hard work, and consistency are must required in every profession, skill, goal, or passion. Nothing happens in a day, or a night. If you are getting an opportunity to achieve your goal — investing a small quantity of time for it, is not a big deal.

How to Get Rich in 2022: 11 Bold Moves That Guarantee Wealth

Have you ever asked yourself, “how can I become rich?” Everyone has dreams about winning the lottery and how to become rich overnight. People want to get rich. Just do a search on Google Books and you can see that it’s been a rising trend since the 90s.




Many people are looking for ways to get their first 100K, or ways to invest for a better retirement. Some are trying to succeed as entrepreneurs. People want to have enough money to buy beautiful homes, powerful cars, and great vacations. But not many know how to become rich. How do you become rich?
Being rich is more than about the dollar amount.

Being rich is a state of mind. In a sense, you could be rich but still poor, and vice versa.

You can define “rich” in different ways. There are a lot of people who simply consider it as having a lot of money. For them, rich is equivalent to a being a millionaire.

But rich can also be psychological richness. It is an achievement of being able to live without the worry of money. You don’t necessarily need to own a castle to be considered rich. Everyone can be rich as long as we are able to do what we desire freely and to have the fulfilment in life. The key of it is to live with or even less than what you have. To be “normal” even when you are financially capable to do a lot more.

You might have your own preference on which definition suits you better, but here are some ways on how to get rich. It may help you achieve either (or both) of them.
If you want to become really really rich, make bold moves.

It’s an ambitious goal to become wealthy, and if you’re aiming for that, here are simple ways to get rich.

1. Exploit your skill as a self-employed expert and invest in it.

Make it your goal to do one thing better than anyone: Work on it, train it, learn it, practice, evaluate and refine it. You may find most sports-players or entertainers are millionaires, and that is because they are utilizing their skills fully. If there’s something you’re good at, it is likely you can reap considerable rewards out of it.

It is the same concept of being the top of a particular field. When you are the best at something, you find that opportunities come to you. To become an expert of something, it is crucial to never stop improving. Successful people invest time, energy, and money in improving themselves, and it might just be the most rewarding investment you can ever make.

To get started, figure out what skill you want to cultivate. Make a list of the world’s ten best people at that one thing, and use this list to define criteria and track your own progress toward becoming the best.

If you’re a writer, for example, you might consult the New York Times Bestseller list, and identify the ten successful authors that you admire the most. Learn more about these writers, what they did to be successful, and read some of their work. Invest the time and energy in improving your own craft, by looking at successful past models.
2. Hit $100K, then invest the rest.

Everyone wants to get rich fast. But a goal like this isn’t something you can easily achieve in a short period of time. Instead of thinking of how to get rich fast, aim at saving $100K first.

The small amounts you save daily are powerful. You might only be able to put away $5 or $10 at a time, but each of these investments are your financial foundation.

3. Be an inventor and consider it as an opportunity to serve.

Stop thinking about getting rich fast and start thinking about serving a lot of people. If you think about what people need, or things that could improve society, your insights will have more impact. Not only that, you could be the first to produce a trending product in the future.

When you start to serve a lot of people, the effect of word of mouth is magnified – not to mention, you’ll have much more helpful feedback to improve what you do.

Having the patent of a popular invention could be the fast-lane ticket to prosper. Just look at Snapchat.

It would definitely be challenging, but consider it to be a way of serving, to benefit those who actually need your invention. No business is successful without the support of the public. Rather than squeezing every single dollar out of your customers, show them you are actually working to make them better.

4. Join a start-up and get stock.

Using the same potential consideration of start-up in the above points, owning stocks of one or more start-up companies could be a valuable investment if the company thrives and either floats or is sold to a larger enterprise.

Only a small minority of start-ups succeed in realizing large capital gains, so the odds are not good. However, you can use your judgment to see which business idea and which management team are likely to succeed. Early employees in Apple, Google, and Microsoft became millionaires on this basis.

5. Develop property.

Buying, developing and selling property has always been a major way for people to accumulate capital.

Borrowing could be a key element in this method. Say you borrow $200,000 and put in $50,000 of your own to buy a property for $250,000. Then you develop the property and sell it for $400,000. The property has increased in value by 60% but your $50,000 has now grown fourfold to $200,000. You have to select the right properties in the right areas and develop them wisely.

You are at risk from booms and busts in the property market. However, in the long term this remains a proven way to accumulate wealth.

6. Build a portfolio of stocks and shares.

If you can make steady investments in stocks over a long period, choose wisely and reinvest the dividends then you can build a large store of wealth. Of course stocks can go either way and many small investors lose heart when their portfolio plunges.

But over the long-term, equities are as good an investment as property and much more liquid. Stock market crashes represent great buying opportunities for those with cash and strong nerves.

7. Start your own business and eventually sell it

More and more startup have seen success with great return in recent years. If you can find a new approach towards a specific corner of the market and build a business that addresses that need, then you have a potential of success in it.


It literally can be anything: a cleaning business, a food delivery service, or a blog. It will probably take years of very hard work to build up the enterprise. All entrepreneurs will have to endure great risk and stress. But if you can pull it off, the potential rewards are huge. This is how many of the seriously wealthy people did it.
If you want to become wealthier and live a better life, build simple habits.

If you’re aiming for a stable life with enough money to support a living, start with the everyday things you can do.

8. Find a job in the right vehicle.

Choose a job of your interest – do what you love and love what you do. No one succeeds in doing what they hate.

You might have to start at the bottom and work your way up. But chances are, if you love what you do, it’s easier to make that happen. You’ll actually enjoy the process of getting to the top.

Earn the experience through different levels of work and when you feel like you have gained all that you can from it, consider moving on in other companies would widen your horizon on different business cultures. Putting more experiences in various positions would make you a more valuable asset for companies and making you a better option for higher rank duties.

Consider how the rich are able to get in with the right companies, where there are plenty of opportunities for growth. Seek places where you can grow your skill and are able to multiply your monthly income many times over.

9. Cut your expenses.

The biggest problem in some people’s path of getting rich is that they always spend more than what they earn. Living below your means will be the easiest to get rich.

Consistently track your progress on how much you’re spending. Use an app or simply an Excel spreadsheet to make sure you always know how much money you have what where it’s going. This gives you a proper place to review and refine what does and doesn’t make sense in terms of your spending.

Start cutting the unnecessary spendings in your life. Do what you can to reduce your bills: make sure you turn off the lights, plan meals to save at the grocery store, and be disciplined about eating in. Focus your life with only the necessities and in no time you will be saving a lot more than what you previously did.

10. Save it in your bank.

Set savings goals and routines to support those goals. Figure out ways that work for you in saving money, and refine what doesn’t.

Many banks have the option of creating separate savings accounts, as well as automatic withdrawals. By setting up these automatic transfers, you save passively and have to make an effort not to save.

Another thing you can try is to increase the amount of savings by 1% in every interval you wish. At first, it will be an insignificant change, but as time passes, you will notice a big difference.

Give yourself a reason and motivation to save as well. It is always important to plan for the future and saving for retirement could be a great point to persuade yourself to stay away from excessive spending.

11. Make investments wisely

Investment is much more than pure luck. One investment mistake could tear away a large chunk of your assets. So make sure whenever you are making decisions on investments, whether on properties or stock, think twice. It will be better for you to consider opinions from professionals and experts.

To give you some ideas, legendary investor Warren Buffett suggested to put 10% of the cash in short-term government bonds and 90% in a very low-cost S&P 500 index fund, so that if the market crash, you will still be fine by cashing the 10% rather than selling the stock with a bad price.

Getting Rich the Wise Way

There are a lot more important things in life than accumulating wealth. Who wants to end up rich, unloved, lonely, and in poor health? However, if you can enjoy a balanced life and at the same time become rich, why not do so?

Taking combinations from the above suggestions may not guarantee you a prosperous future, but it will surely eliminate a lot of financial troubles in your life. With one step at a time, maybe you will also become the one you dreamed of.