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Financial Tips: Cut out these 5 expenses if you are broke

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Situations can arise where you are broke and you don’t know what to do or how to improve on your finances.

The best thing to do at this period is to find things you can cut out from your expenses. Being broke is the worst thing that could ever happen to anyone.

You might never be debt free if you are always broke.

Some sacrifices need to be made to improve your financial situation if you are always broke.

Some re-adjustment to your finances would need to be made when you are broke.

What do you need to cut out on your expenses when you are broke?

1. Bank charges

Paying bank charges on transactions, money transfer and withdrawals from ATM might not seem like a big deal but these bank charges add up after a long while.

To avoid always paying bank charges, you need to transact more with liquid cash or transacting more in a banking premises. If you need to pay for goods or services, pay in cash.

2. Eating Out

Eating out all the time will definitely eat dip in your finance. If you are broke you need to stop eating out.

Having meals at restaurants and fast food joints can be quite expensive. Instead of always eating out all the time, you should do more of cooking your meals at home.

Eating at home will help you through your broke state

3. Subscriptions

Subscriptions come in different forms and al subscriptions are most likely affecting your income negatively, which might be leaving you broke all the time.

Pay TV subscription, mobile and internet subscription, gym subscription are all subscriptions you should find ways of cutting off.

This would help you save more for other important things when you are broke.

4. Fun activities

Fun activities like hanging out with friends, going to the movies should be cut out when you are broke.

There is always money involved in most fun activities.

Think of fun ideas that won’t affect your finance and try them

5. Shopping

If you have a habit of always shopping, then you should reconsider your shopping habit. That might be the reason you always find yourself in a financially broke condition.

You might need to cut shopping expenses to help you save more. When you are broke, the only shopping you should do must be for your essential needs and when you need something urgently.

Business

Top 10 Digital Marketing Agencies For Small Businesses In Nigeria

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With the fresh burst of small businesses in Nigeria, it is worthy of not to discover those agencies that are best suited to bring your campaign to life for the best price too while still maintaining the desired quality.

This bouquet involves online adverts, SEO, website designs, native advertising, social media advertising, email advertising to mention just a few. This 2019, here are some digital marketing agencies you need to be looking at in no particular order of relevance.

 

1. Brand Envoy Africa (Digital Marketing Agency).

Brand Envoy Africa is a digital marketing and brand management agency. They offer services such as marketing consultation, digital marketing, product activation events, social media management services, placing adverts on newspapers, website design and email marketing services. BE aids businesses in reaching more customers and increase sales using digital, traditional and social media channels.

Services offered by this digital agency include; Digital Marketing, Social Media Marketing, Search Engine Optimization, Email campaigns, Website Design, Print/newspaper Advert Placement, Product Activation Events, Social Media Handle Management and Product Design.

2. De Swamp Formula (Creative Agency)

De Swamp Formula is a full-suite African marketing and interactive agency that also handle digital briefs.
They were founded in 2009 and their creativity has helped many small businesses position themselves to compete with sector big-wigs. One thing that stands out with this company is their style of communication which could be narrowed to down to great copywriting skills.

They have worked with a lot of emerging businesses across Africa as well as helped a lot of big brands achieve more market share. They have cross sector experience which is obvious in the range of companies they have worked with.

Their core services are Creative Marketing Communication, Out-Of-Home Advertising, Website Designing,  Building Platforms for Governmental Organisations and Creative Designs.

 

3. Anakle (Marketing Agency)

Anakle is a digital agency, building experiences for online and offline audiences. Services offered by Anakle include Digital Marketing, Social Media, Digital Strategy, Web/Mobile App Development & UX Design.

The team at Anakle specializes in developing strategy and executes campaigns for clients and agencies. The technology team has executed application development and user experience optimization projects for top brands across Africa.

 

4. CKDigital (Creative Agency).

CKDigital is a digital creative agency on a mission to help businesses succeed through exceptional digital services, focused on results.

CKDigital is made up of a team of professionals passionate about what they do with a culture of excellence. CKDigital works with brands of different sizes – multinationals, SMEs, and start-ups.

5. Cregital (Creative Agency)

Creative Digital Agency based in Lagos Nigeria. Cregital helps brands and businesses make digital and smart impressions.

Cregital reduces the bureaucracy found at traditional agencies by working closely with clients to understand their business objectives and help them grow within their budget.

6. Dodo (Design Agency)

DODO is a creative agency that helps businesses stand out in the market. Through human-centered processes, this design agency helps brands build unique experiences for customers.

Services offered by DODO includes – Brand Strategy and Identity Design, Print and Packaging Design, Website Design (UX and UI Design), Customer Experience Design, Digital Marketing, Customer Research, and Data Visualization.

7. Ellae Creative (Creative Agency)

Ellae is an energetic and talented creative agency based in Lagos, Nigeria. The agency blends intelligent creativity with a sincere collaborative approach, consistently delivering powerful results through brand, communication, creative and other digital channels for clients.

At the heart of Ellae is a team of creative and strategic professionals, all sharing in the same creative passion, philosophy, and firm belief in the power of great ideas.

8. Amplify (Marketing Agency)

Amplify is a digital agency that is bridging that gap between Marketing and Technology by creating solutions that help businesses fully reach their targeted audience.

The team at Amplify is made up of digital marketers, technology enthusiasts, designers, social community managers and innovative and creative change-makers using technology to create more memorable digital experiences for brands across the African continent.

9. Bytesize (Marketing Agency)

Bytesize is a full-service digital communications agency in Nigeria that combines consumer research, creativity, and insight to transform your business.

The digital marketing agency is specialised in delivering precise strategic thinking and digital marketing direction that can turn your rapidly concept from vision to reality.

10. Wild Fusion (Marketing Agency)

Wild Fusion is the leading digital marketing agency in Nigeria. It is the first certified partner of Google Adwords in Nigeria and has its offices based in several places in Africa, including Accra, Lagos, and Nairobi.

They are dedicated to offering a wide array of marketing services which include Brand Strategy, Media Services, Content Production, Social Media Marketing, PPC Advertising, Digital Marketing Strategy, Mobile Marketing, Creative Development, Web Analytics, SEO, Customer insights and Training.

NOW WE BROUGHT THEM TO YOU, YOU SHOULD KNOW…

that getting an agency that could deliver on that brief with apt concentration is a tough task because agencies who have a bigger, more prominent clientelle base will usually handle jobs for little clients with a little less more concentration and attention to detail (not always the case though).

 

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Entrepreneur

Instagram makes move to begin removal of fake likes and followers

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People will do anything in their power to work less and still earn money. this is why casinos, the lottery and crypto-mining are so popular. It’s also the reason behind a lot of people hoping to make it in the social media “influencer” space going to extremes by manufacturing likes and followers in the hope they can convince companies to give them free stuff to advertise on their platform.



This is a phenomenon which Instagram is currently dealing with as the site is seen as a growing platform for influencers and brands to market products given its young and impressionable user base. In fact, there is even a current trend reported in The New York Times called “nanoinfluencers” which is even seeing people with as few as 10000 followers approaching companies for free products in exchange for advertising them to their followers. All this means though is that people hungry for the extra income and swag are turning to “fake” likes and followers through apps which will automatically like and follow everything you post, thereby artificially boosting the popularity of our posts.  Something, which even if it’s just a few, is not fair to the rest who are legitimately trying to build up their network.

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However, according to the latest report, Instagram has developed a way to counter this issue by using machine learning tools to help identify which accounts use these services and automatically remove the likes, follows, and comments that come with it. Like with Twitter’s crackdown on bots, the hope is this will remove much of the fraudulent activity that takes place on the platform and protect companies who want to promote their products from illegitimate claims.

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 It’s definitely something which needs to be done and hopefully clean up the social media platform from those trying to “game the system”. While Instagram has long removed fake accounts from their platform, this will be the first time they are narrowing in on fake likes and followers and it will be interesting to see exactly how widespread the problem is by seeing how much it changes existing nanoinfluencers on the site.Personally, I’m still amazed that all it takes is 1000 followers for companies to take an interest in you. Now all I need to do is find a thousand friends who actually want to follow me. How hard can that be?

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