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7 Habits of women who are never broke

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7 Habits of women – In Nigeria, where financial…

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

These women don’t rely on luck or big salaries; they adopt smart financial habits that keep them financially secure.

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

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If you’ve ever wondered what sets these women apart, this article explores seven key habits that help them maintain financial stability.

1. They budget religiously

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

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

2. They have multiple streams of income

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

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

3. They save consistently

Consistent saving ensures these women are prepared for emergencies and future goals.

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

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4. They prioritise needs over wants

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

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

5. They invest in knowledge and growth

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

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

6. They avoid bad debt

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

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

7. They network with like-minded people

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

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

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

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

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Lifestyle

Ramadan Day 14: Prayers, dua, and hadith to reflect on your fast

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It’s the 14th day of Ramadan, and we need to pause to reflect on our journey so far. Have we remained sincere in our worship?

Have we drawn closer to Allah? Have we embodied the patience, generosity, and humility that fasting teaches?

Ramadan is an opportunity for self-reflection and spiritual growth. It is a time to turn to Allah in prayer, seek forgiveness, and embrace the wisdom of the Prophet Muhammad (PBUH). Let today be a day of gratitude, remembrance, and renewed intention.

Ramadan day 14 prayers

A powerful prayer for today focuses on seeking forgiveness, guidance, and steadfastness in faith:

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“O Allah, forgive my sins, guide my heart to righteousness, and strengthen my faith. Grant me patience in times of hardship, sincerity in my worship, and the ability to do good. Help me complete this Ramadan with devotion and accept my fasting. Ameen.”

ALSO READ: Here are healthy practices you need for smooth Ramadan journey

Dua of the day

Dua (supplication) is one of the greatest acts of devotion. Here is a meaningful dua for the 14th day of Ramadan:

“اللَّهُمَّ لاَ تُؤَاخِذْنِي فِيهِ بِالعَثَرَاتِ، وَأَقِلْنِي فِيهِ مِنَ الخَطَايَا وَالهَفَوَاتِ، وَلاَ تَجْعَلْنِي فِيهِ غَرَضًا لِلْبَلاَيَا وَالآفَاتِ، بِعِزَّتِكَ يَا عِزَّ المُسْلِمِينَ.”

“O Allah, do not hold me accountable for my mistakes. Pardon my sins, protect me from calamities and harm, and grant me Your mercy. O Mighty One, strengthen me in my faith. Ameen.”


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Hadith of the day

The Prophet Muhammad (PBUH) reminds us of the value of fasting and self-control:

“Whoever does not give up false speech and evil deeds while fasting, Allah is not in need of his leaving his food and drink.” – (Sahih al-Bukhari 1903)

This hadith reminds us that fasting is more than just abstaining from food; it is about purifying our actions, words, and intentions. Ramadan teaches us discipline, sincerity, and kindness.

ALSO READ: Here are healthy practices you need for smooth Ramadan journey

Ramadan Day 14 Quotes

Let these reflections inspire you as you continue your fast:

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  1. Quranic Reflection:
    “Indeed, the righteous will be in the midst of gardens and springs, receiving what their Lord has given them. Indeed, they were doers of good.” – (Quran 51:15-16)

  2. Prophet Muhammad (PBUH):
    “The strong believer is better and more beloved to Allah than the weak believer, but in both there is good.” – (Sahih Muslim 2664)

  3. Islamic Scholar:
    “Ramadan is like a rare flower that blooms once a year, and just as you begin to smell its fragrance, it disappears.” – Imam Al-Ghazali

As we continue our Ramadan journey, let us use this time to seek forgiveness, strengthen our faith, and increase our good deeds. May our fasting, prayers, and duas bring us closer to Allah and purify our hearts.

May Allah accept our fasts, grant us patience, and fill our hearts with peace and gratitude. Ameen.

Day 15 Tahajjud (Qiyamul Layl)

Tahajjud is one of the most beautiful and rewarding prayers in Islam. It is a voluntary act of worship that brings us closer to Allah in the stillness of the night.

Allah describes those who wake up for Tahajjud in Surah Al-Isra (17:79):

“And rise from sleep for prayer in the night, as an additional prayer for you; it may be that your Lord will raise you to a praiseworthy position.”

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The Prophet Muhammad (PBUH) also said:

“The closest that a servant comes to his Lord is during the last third of the night. If you can be among those who remember Allah at that time, then do so.” – (Sunan At-Tirmidhi 3579)

As we prepare for another day of fasting, let us commit to performing Tahajjud on Day 15 for spiritual elevation and divine blessings.

May Allah grant us the strength to wake up for Tahajjud, accept our prayers, and bless us with His mercy during this sacred month. Ameen.

ALSO READ: What to do & what to avoid during the fasting month

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Lifestyle

5 harsh truths about moving abroad no one tells you

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The idea of moving to a new country and “escaping” Nigeria may sound exciting. You imagine a better life, good-paying jobs, and freedom from the struggles back home. 

Everyone talks about the success stories; how someone’s cousin left Nigeria and is now driving a Benz, or how another person built a house for their parents after just two years abroad. 

But what no one tells you is the difficult side of leaving home.

Truth is, living abroad is not always as glamorous as it looks on Instagram. Many Nigerians move with big dreams, only to face tough realities that no one warned them about. If you’re planning to relocate, it’s best to know these things now so you can be prepared.

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Let’s uncover some harsh truths about moving abroad that most people don’t talk about.

1. Loneliness can hit hard

One of the biggest struggles of moving abroad is loneliness. At home, you’re used to seeing family and friends every day. There’s always someone to gist with, places to visit, and events to attend. But when you move abroad, it’s different. You may not know anyone. People are too busy with their own lives, and making new friends takes time.

You will miss family gatherings, birthdays, and weddings.

The time difference can also make it hard to call home. You may feel left out when you see pictures of family events you couldn’t attend. It’s a tough feeling, and no one tells you how much it can affect you.

ALSO READ: Japa: Many Nigerians regret relocating abroad, battling depression


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2. Finding a good job is not as easy as you think

Many people believe that once they move abroad, they will immediately get a high-paying job. But it’s not that easy. Some employers prefer people with local experience, and if you don’t have the right qualifications, you may have to take jobs you never imagined doing.

Many Nigerians abroad start with cleaning jobs, working in warehouses, or doing other manual labour they typically wouldn’t consider back home in Nigeria. It takes time to build a good career, and in some cases, people have to go back to school to get the right qualifications. If you don’t prepare for this, you may be disappointed when reality hits.

3. You will miss Nigerian food

It may sound funny, but one of the hardest things about living abroad is missing the food. In Nigeria, food is everywhere; suya on the street, hot puff-puff, your mum’s delicious jollof rice. Abroad, you can’t just walk outside and buy these things.

Yes, there are African stores, but the food is expensive. Sometimes, even when you find the ingredients, the taste is never quite the same. And if you don’t know how to cook, you might find yourself eating bland food that doesn’t satisfy you. The struggle is real!

ALSO READ: The Japa Dream: 5 hilarious struggles Nigerians face abroad

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4. Life can feel boring

In Nigeria, there is always something happening. Even with all the struggles, life is lively. You can randomly visit a friend, hear music from the streets, or join a conversation on a public bus. But abroad, life can feel repetitive; work, home, sleep, repeat.

People are always in a rush, and there’s little time for socialising. If you don’t actively try to meet people or engage in activities, life can become lonely and boring. This is something many people don’t expect until they experience it.

5. You may struggle with your identity

When you leave Nigeria, you don’t just move to another country, you move into a new culture. People dress differently, speak differently, and behave differently. You may start questioning your identity. Should you change to fit in? Should you hold on to your Nigerian ways?

Some people find it hard to balance both cultures. Others experience racism or discrimination, making them feel like they don’t belong. Over time, you may even start feeling disconnected from Nigeria but not fully accepted in your new country. It’s a tough situation that many people don’t talk about.

The reality hits

Moving abroad can be a great opportunity, but it’s important to be realistic. It won’t be all luxury and success overnight. There will be struggles, and some days will be tough. But knowing these truths can help you prepare better. 

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If you’re planning to move, go with an open mind, have a plan, and be ready for challenges. And no matter where you go, never forget where you come from. Nigeria will always be home.

ALSO READ: 5 signs your friend is about to japa and won’t tell you


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Lifestyle

Rising Above Limitations: Gleams Foundation partners with REAKTOR to empower thousands of Nigerian youths

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The Gleams Foundation, in partnership with REAKTOREnergy Drink, today announced the launch of its highly anticipated School Tour 2025, themed; “Rising Above Limitations.” The initiative, set to kick off in April 2025, will empower thousands of Nigerian youths across five universities (OAU, LAUTECH, UI, BELLS & UNILAG) through panel discussions, mentorship sessions, and electrifying concerts. 

At a press conference held in Ikeja GRA, key stakeholders from the entertainment, entrepreneurship, and media industries gathered to discuss the transformative potential of the initiative. Rex Moses (Otunba Gleams), Founder and CEO of Gleams Foundation, spoke with unwavering conviction about the Foundation’s mission: 

Our dream is to empower thousands of African creatives annually, starting with this School Tour. We’re not just hosting events; we’re building a movement that will redefine what’s possible for Nigeria’s youth.

Franklyn Eluagu, Digital Media Manager at REAKTOR, shared why the partnership was a natural fit: 

REAKTOR is committed to empowering young people, coincidentally the school tour themeRising Above Limitations interprets our Push Your Limits slogan, and Gleams Foundation’svision aligns perfectly with our values. Together, we’re creating platforms for creativity, innovation, and growth.

Ibrahim Oladele Kadiri, Managing Director of Boomplay, highlighted the importance of talent development: 

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Nigeria is brimming with untapped potential. Initiatives like this School Tour are critical to nurturing the next generation of African stars.

Veteran Nollywood actor Tony Umez echoed this sentiment, emphasizing the need for mentorship: 

We have a responsibility to guide young Nigerians, equip them with creative skills, and show them the path to a brighter future.

The press conference, attended by media houses and industry stakeholders, set the stage for what promises to be a groundbreaking initiative. 

The Rising Above Limitations School Tour will kick off in April 2025 with: 

– Panel Discussions: Featuring industry leaders like Tony Umez, Phyna, and Rotimi Salami amongst others. 

– Concerts: Headlined by Nigerian artists, with REAKTOR as the official ticket partner.


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