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👋 Good morning. If you haven't been stacking this season, I really don't know what you've been doing. Opportunity comes but once, or how do the kids say it? I know money is tight out here, so if even 10 people from our growing community decide to save, that's a win for us. I encourage you to actually take notes from this and learn how to manage your money better. |
This week — we spoke to a creator about her first brand deal, we have a budget calculator that will actually help you, a savings hack worth bookmarking, and a secretttt (you have to scroll to the very end to find it). Let’s get right into it. |
If you’re enjoying this, don’t forget to subscribe and join The Juice community. We’re building this together ♡. |
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Shalom Tewobola,
Editor.
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Share with us |
What’s that one money experience you have, good or bad, we don’t judge. Reply to this email or reach us here. We're featuring the most relatable ones next week! |
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THE STACK |
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A forgotten mail became Rereloluwa’s first brand deal |
Rereloluwa almost missed her first paid brand deal. She had applied for a role and forgotten about it till one random morning. She decided to open her email and boom, there it was: her first paid brand deal. |
What followed was a bit of self-doubt and a crash course in what it means to be paid for creative work. |
We spoke to her about how that deal came in, what she did with her first earnings, and how it shaped the way she now thinks about value and money. |
Take me back to your first brand deal. How did it come in, and at what point did it feel real to you? |
My first collaboration was with Numbuzin. I applied to be part of their creators, and after that, I didn’t hear anything for about a month. At some point, I even forgot about it completely. |
Then one morning, I woke up to an email saying my package was on the way. That was when it hit me. It felt surreal because the brand had actually selected me, prepared something, and shipped it from Korea to Nigeria. |
But alongside the excitement, I also started doubting myself. I was thinking, “Can I really do this? What if I don’t meet their expectations?” I still went ahead, created the content, and I’m glad I didn’t let the fear stop me. |
What was the very first thing you spent that money on, and why that specifically? |
The first thing I did was pay my tithe because that’s important to me. After that, I bought a tripod. I didn’t have one at the time, and I needed it to improve my content quality. It felt like the most practical thing to invest in. |
Was that something you had always imagined buying when you “made it,” or was it a spontaneous decision? |
It wasn’t something I had imagined as a “made it” moment purchase. |
It was more of a practical decision. I needed it, and the timing just made sense. So it wasn’t planned in a dreamy way, it was just necessary. |
Looking back, was that amount fair for what you made, and would you negotiate differently now? |
At that time, I think it was fair for my level. But now, I would definitely negotiate differently. I understand my value much better, and I’d be more confident asking for what I deserve. |
Do you think you spent that money wisely, or did you just need to feel something in that moment? |
I think I spent it wisely. It was also my first time earning in dollars, so that alone made it feel very significant. It gave me a sense of progress. |
I was intentional too; I didn’t just spend everything. I made sure I kept some and used the money in a way that felt responsible. |
What’s the most valuable saving hack that has helped you? |
Automating my savings. I don’t rely on willpower; I just set it so that saving happens automatically. |
I also save daily and weekly rather than waiting until the end of the month. That way, I’m always building something, no matter how I feel about my finances. |
Instagram - rereloluw_a |
TikTok - Ugcunscripted31 |
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BAG CHECK |
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Budgeting often looks neat on paper, but real life rarely follows the exact lines. |
For example, allocating ₦20,000 for transport can easily be exceeded if you commute Monday to Friday in a city like Lagos. |
One way to manage this is to deliberately “build in friction” by relying more on public transport options, such as buses or shared rides, where possible, and treating the budget as a ceiling rather than a target. |
Rent also works better when you break it down monthly. If you set aside ₦80,000 monthly for 12 months, that gives you ₦960,000, and even at that level, it’s important to anticipate additional costs like agency fees, legal fees, or repairs. |
In expensive cities, it’s usually safer to spread rent savings consistently over time or explore shared housing to avoid pressure when annual payments are due. |
Overall, budgets are less about perfection and more about flexibility. |
The goal is not to never exceed a category cos that will happen, but to make sure one category doesn’t overwhelm everything else. |
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#2 Saving hack (from a finance expert) |
If someone is new to investing, I would say they should get knowledge first. |
Understand what you’re putting your money into, how it works, and the risks involved. |
Take time to read, ask questions, and learn the basics before committing any money. |
That way, you’re not just following trends or jumping into things you don’t fully understand. |
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SECRET STACK |
A little birdie told me there's 20k free Bolt credit on April 26 👀 — that's free rides to a rave, a café, a date with your man (sorry if you're single, I am too ðŸ˜). |
Anyways, thank me later! |
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Today’s email was brought to you by Shalom Tewobola and Praise Okeoghene Vandeh. Editing by: Shalom Tewobola. Designs by: Daniel Banjoko |
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