Lifestyle

5 Money Moves Nigerians Should Make Before 2025 Ends

Published

4 months ago

December 3, 2025

As 2025 draws to a close, many people in Nigeria are under pressure. Prices of food items are rising, the naira is weak, school fees are coming, and December expenses are plenty: travel, weddings, parties, village trips, church and family support.....TAP TO CONTINUE READING

It is easy to say, “Let me just survive this December. I will plan my money next year.” But that is how the same money stress continues every year.

Now is actually a good time to pause and look at your money calmly. You don’t need to be rich or be a finance expert. You can still make some simple financial decisions before the year ends that will help you breathe better in 2026.

Here are 5 Money Moves Nigerians Should Make Before 2025 Ends:
1. Check and rebalance your investments

Rebalancing simply means “adjusting” your investments so that one part does not become too big and too risky. During the year, some things may have done very well, like dollar investments, some stocks or crypto. If you leave them to grow without control, they can become a large part of your total money. If those prices fall suddenly, your loss will also be very big.

Before the year ends, look at where your money is kept. If one area has grown a lot, you can sell a small part and move that money into safer places like treasury bills, government bonds, money market funds or other low-risk options.

This is very important if you are 50 years and above, because you are getting closer to the time when you will use that money for school fees, rent, hospital bills and feeding in retirement. At that stage, you need more peace of mind and less risk.
2. If you are still working, look at your retirement plan

If you are still working, this is a good time to check how ready you are for retirement. Start with your pension. Log into your pension account and see how much you have saved. Check if your employer has been paying regularly every month or if there are missing months. Many people only discover problems when it is already late.

Ask yourself if you can increase your pension contribution a little from next year, even if it is by a small amount. It can make a big difference over many years. If you are self-employed or running a small business and do not have any pension, think of joining a micro-pension plan or starting your own long-term investment, where you save every month in a mutual fund or fixed-income product. The goal is to make retirement saving a habit, not something you only do “when money comes.”
3. If you are retired, protect your monthly cash

If you have stopped working and now use your savings and investments to live, your main focus should be protecting your monthly income. Instead of taking money from your investments anyhow, try to do it in a planned way.

First, look at which investments went up the most this year. You can sell some of those and keep part of the money in very safe and easy-to-access places, like savings and money market funds. Try to build enough cash to cover at least six to twelve months of your normal expenses.

This way, you have money ready for your needs, you are not forced to sell risky investments when prices are low, and you sleep better at night. The older you are, the more important this is. Money you need soon should not be in something that can jump up and down every week.
4. Look again at your insurance before you renew

The end of the year is also a good time to check your insurance. Many Nigerians don’t have enough cover, or they are paying for plans that no longer fit their life.

Start with health insurance. Look at your current HMO plan. Ask yourself: Are you happy with the hospitals on the list? Is the care good enough? Does the plan cover the drugs and treatment you usually need? Has your family size changed this year? If your employer’s plan is weak, you may add a small private plan or upgrade if you can afford it.

Next, think about life insurance if people depend on your income. A simple life cover can help your family if anything happens to you. Check if your company or pension already includes life cover and if it is enough.

Also, check your car and home insurance. With the high cost of cars, building materials and repairs, paying for damage from your pocket can be very painful. Make sure your cover is up to date and still useful for your kind of car, house or shop. Don’t just renew last year’s policy without checking. Prices change, your life changes, and sometimes a better plan is available for the same or even lower cost.
5. Plan your December giving and charity

In Nigeria, December is full of giving. There is family pressure, village projects, church and mosque programmes, charity work and many personal requests. If you are not careful, you will give and give until you borrow for January rent and school fees.

Before that happens, sit down and decide how much you can give this December without going into debt or disturbing important bills next year. Write down that amount. After that, choose the people and causes that matter most to you. Maybe it is one relative who really needs help, a trusted charity, your place of worship or a community project you believe in.

It is better to give in a planned way than to give to everyone and later regret it. If you notice that you support the same charities or projects every year, you can also plan a smaller, regular amount every month in 2026 instead of one big, stressful payment in December. If your giving is large and you run a business, a tax or financial adviser can help you design a more organised way to do it.

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Lifestyle

These 5 Herbs Will Penetrate Your Face And Give You Smooth Skin

Published

3 weeks ago

February 28, 2026

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It’s likely already common knowledge that eating a varied diet helps keep your skin and hair healthy, but did you know that spices can have wonderful benefits for your appearance? Find out how garlic can promote hair development, how peppers can reduce the appearance of wrinkles, and how green tea can shield you from the harmful effects of the sun.....TAP TO CONTINUE READING

1. Place a chamomile tea bag in a small container and place it in the refrigerator after steeping it for two to three minutes in boiling water to release the anti-inflammatory enzymes. This is an effective treatment for beard burn. After it has had time to cool, you can use the tea bag to provide fast relief to the areas of your face that are red and itching.

2. Cinnamon is an excellent source of antioxidants, which protect the skin from the damaging effects of oxidative stress. It also imparts a delicious flavor to baked goods and warm beverages.

Keri Glassman, author of The O2 Diet and a registered dietitian, believes that one serving of cinnamon has more antioxidants than a half cup serving of blueberries. If you want an immediate increase in the antioxidant power of your coffee, add a half teaspoon of cinnamon to the ground beans before you brew it.

3. Garlic is a miracle worker for people with fine hair, despite the fact that it can leave your breath smelling bad. In order to produce robust and healthy hair, the hair follicle on your scalp need certain nutrients. Your hair will suffer if your diet does not contain the appropriate ingredients. According to Dr. Wu, eating foods that are abundant in the amino acid cysteine, which is found in garlic, can assist to revitalize your hair follicles. She goes on to say that the strength of your hair comes from the robust network of disulfide bonds that hold the cysteine molecules together. These bonds are what give your hair its resilience.

4. Here is yet another argument in favor of adopting a more environmentally friendly lifestyle: Catechins, which are also sometimes referred to as polyphenols, are found in high concentrations in green tea and are known to exhibit powerful anti-inflammatory, antioxidant, and anti-aging effects. Wu claims that applying green tea topically can also thicken the epidermis, speed up the healing of wounds, and inhibit an enzyme that causes uneven skin pigmentation, which in turn reduces the appearance of sun spots. All of these benefits can be achieved by applying green tea topically.

5. Spicy peppers such as chili, paprika, cayenne, and jalapeo not only excite your taste buds but also protect your skin from the harmful effects of the sun. According to Marti Wolfson, the culinary director at the Blum Center for Health in Rye Brook, New York, “Vitamins A and C in peppers help combat free radicals, limiting the destruction of collagen to maintain the integrity of our skin.” Peppers contain a high concentration of these vitamins.

Capsaicin, which is found in the vibrant peppers, can protect the skin from the harmful effects of ultraviolet radiation and functions as a sunscreen.

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Lifestyle

Drink Cucumber and Mint Water Every Morning to Help With These Health Issues

Published

3 weeks ago

February 28, 2026

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Cucumber and mint water is a refreshing, low-calorie drink that may support overall health when combined with a balanced diet and healthy lifestyle. While it is not a cure for diseases, drinking it regularly can offer some supportive benefits.....TAP TO CONTINUE READING

Here are four health areas it may help with:

1. Dehydration

Cucumbers are made up of about 95% water, and adding them to drinking water can encourage you to drink more fluids. Proper hydration supports digestion, circulation, temperature regulation, and energy levels.

2. Digestive Discomfort

Mint has traditionally been used to help relieve indigestion and bloating. Some research shows peppermint may relax digestive tract muscles, which can ease mild stomach discomfort.

3. Weight Management

Replacing sugary drinks with cucumber and mint water can reduce calorie intake. Staying hydrated may also help control appetite and prevent overeating.

4. Mild Inflammation

Cucumbers contain antioxidants like vitamin C and beta-carotene. Antioxidants help protect the body’s cells from damage caused by oxidative stress.

Important Note

Cucumber and mint water does not cure medical conditions. If you have ongoing digestive problems, diabetes, high blood pressure, or other health concerns, consult a qualified healthcare professional.

Simple Preparation

Add sliced cucumber and a few fresh mint leaves to a jug of water.

Let it infuse for 2–4 hours (or overnight) in the refrigerator.

Drink in the morning or throughout the day.

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Lifestyle

Itchy Private Parts? This Is What It Might Mean

Published

3 weeks ago

February 28, 2026

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Itching in the genital area is common and usually not serious. However, persistent or severe itching can sometimes signal an underlying issue.....TAP TO CONTINUE READING

Here are some possible causes.

1. Yeast Infection

Yeast infections are caused by an overgrowth of fungus (Candida). They can cause:

Intense itching

Redness

Irritation

Thick discharge (in women)

They are common and treatable.

2. Bacterial Imbalance

Changes in natural bacteria (especially in women) may lead to irritation, odor, or unusual discharge.

3. Skin Irritation or Allergic Reaction

Soaps, scented products, detergents, tight clothing, or sanitary products may irritate sensitive skin.

Switching to mild, fragrance-free products often helps.

4. Sexually Transmitted Infections (STIs)

Some STIs may cause itching along with other symptoms such as discharge, sores, or pain during urination. Not all STIs cause symptoms.

Testing is the only way to be sure.

5. Poor Hygiene or Excess Moisture

Excess sweat, damp clothing, or infrequent washing can irritate the skin. On the other hand, excessive washing with harsh soap can also cause dryness and itching.

Balance is key.

6. Pubic Lice or Skin Conditions

Less commonly, itching may be caused by pubic lice or skin conditions like eczema or psoriasis.

When to See a Doctor

Seek medical advice if you experience:

Severe pain

Sores or blisters

Unusual discharge

Fever

Symptoms lasting more than a few days

Early evaluation helps prevent complications.

Important Note

Avoid self-diagnosing based on online information alone. Many conditions share similar symptoms. A healthcare professional can provide proper testing and treatment.

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