Michael Ajih, CFEI®

I teach budgeting across cities and continents. My clients live in Lagos, London, Atlanta, Nairobi, Accra, Houston, and Singapore. They face different currencies and financial realities, but one problem unites them. But they all share one problem; they don't know where their money goes. For months, every time I recommended a budgeting tool, there was a catch. "Oh, this one only works in USD." "Oh, this one needs your bank login." "Oh, this one is free... for 14 days." "Oh, this one is too complex; they'll never use it." I got tired of the catches, so I built the tool myself. Introducing MyBudgetMap: mybudgetmap.online Now, one tool connects every student, in any country, with any currency. Budgeting is finally universal and accessible. It’s simple: Select your country, your currency loads automatically, and you can begin. Whether you're budgeting in £ Pounds, ₦ Naira, $ Dollars, ₵ Cedis, KSh Shillings, ₹ Rupees or AED Dirhams, MyBudgetMap speaks your language. It supports 50+ currencies, works smoothly, and is always free. But the real benefit happens after you enter your numbers. The best part is what it shows after you enter your numbers: the “Lifestyle Leaks.” This is the feature I wish I could show every single person I've ever trained. A lifestyle leak is the gap between what you planned to spend and what you actually spent. It quietly compounds month after month, year after year. Most people are leaking £200–£400 or more (or the equivalent in their currency) every single month. Not on big purchases, but on small, invisible ones like groceries, takeaways, subscriptions, and impulse buys. MyBudgetMap catches every single one, by category, with the annual cost of each leak laid bare. Seeing it written down changes people. I've watched it happen in my training rooms. Now, anyone, anywhere in the world, can see it for themselves for free. And once you've plugged the leaks? The “Surplus Allocation.” Your leftover money gets a plan, not just a vague 'save more.' Every spare pound, dollar, or naira now works for you, intentionally. This is what MyBudgetMap gives you: 1. Budget planner across 7 structured sections. 2. Live KPIs - savings rate, surplus, and spend vs target. 3. Lifestyle leaks detector - by category, with annual projections. 4. Surplus allocation plan - because saving without direction is just hoping. 5. Month-by-month history 6. 50+ global currencies - built for the world, not just the West No bank connection. No subscription. No download. Just open it, select your country, and start. I built this because I believe financial clarity is not a privilege. It doesn't matter if you earn in Accra or Austin. You deserve to see exactly where your money goes and what to do next. It's FREE; try it and share with someone who needs it. 👉 mybudgetmap.online Tell me where you budget from; I'd love to know. #PersonalFinance #Budgeting #FinancialEducation #MoneyManagement #FinancialLiteracy #BudgetingTips #AfricanFinance #MoneyMindset #FinancialFreedom #WealthBuilding #SaveMoney #FinTech #GlobalFinance #BudgetPlanner #MoneyCoach

@compoundinnaira I do that a lot!

After buying a company’s stock, I’ll start praying for the price to fall, so I can buy more. Weird behavior, I know but my target is future, not today or next week.

@Morris_Monye What a booking! Book us together kwa.

Na wa.

@____Yaks Na wa ooo....this money must be made!

NAHCO dividend in the bag

@TomolaGroup This is solid.

And the Deputy Governor of the Central Bank too? Lord, what have I done.

Nigeria's dollar-denominated GDP rose 22% to $307.5 billion in 2025, one of the strongest headline expansions on the continent. * Your petrol costs more. * Your rent went up. * School fees increased. Macro numbers and household wallets are two different stories. GDP can grow, and living standards can fall simultaneously when the gains concentrate at the top. Ask yourself who actually captured the 22% before you celebrate it.

This made me laugh and feel proud at the same time 😂 Budgeting hits different when it is real numbers staring back at you. That discomfort is actually the tool working. I want to say a big thank you for trying it and sharing your honest review about it. This means a lot, @____Yaks 🙏 God bless you.

"There's no darkness anywhere; you only have absence of light" - Bishop David Oyedepo

The Dangote Refinery now supplies roughly 61% of Nigeria's domestic petrol, but the ex-depot price has shifted multiple times already in 2026, ranging between ₦1,200 and ₦1,350 per litre since January. Having one dominant local refinery was supposed to bring price stability. What it has brought instead is concentrated exposure: when that one refinery adjusts, the entire country feels it at the pump within days. Supply diversification still matters, even when the news sounds good.

Zenith Bank's gross earnings crossed ₦1 trillion in a single quarter, the first time in its history. Pretax profit was ₦360 billion for Q1 2026 alone. Every bank charge you paid, every transaction fee, and every naira of interest left sitting in a savings account at 4% while the bank earned 26%; it is all in there. Now, buy the share, or accept that you are part of the business model.

MTN Nigeria reported a pretax loss of ₦550 billion in 2024. In 2025, the same company posted a pretax profit of ₦1.7 trillion. Its Q1 2026 alone delivered ₦546 billion in pretax profit. That is not a company; that is a printing press. You complained about the data prices. People who bought the shares collected dividends.

The @PennyvestHQ X Space today was a great session. Passive income. Nigerian examples. Zero fluff. All frameworks. If you were there, you know. If you missed it, don't stay missing. Recording is here 👇: x.com/i/spaces/1dGYl…

@PennyvestHQ If you need a FREE budgeting platform that gives you full view of where you are, lifestyle leaks, (where you can cut cost), and how you can allocate your surplus plan, check out: mybudgetmap.online

@compoundinnaira I no dey use dem again oooo. I was considering it earlier, but not again.... 🏃🏃🏃

I just tried to withdraw ₦3M from my InvestmentOne brokerage account and was met with a notice that I can only withdraw ₦1M 🙄🙄🙄. On top my money? Una go hear from me 😁

Today. @PennyvestHQ X Space. We're talking passive income, not the motivational kind. The kind where people are quietly earning while they sleep. Rest assured, it will be an awesome session. See you in a few minutes. Don't miss it.

NNPC is supplying Dangote Refinery with seven crude cargoes in May, an improvement on previous months, but the refinery's own management says it needs 13 to 15 cargoes monthly to operate properly. Africa's largest refinery sits on Nigerian soil, operating below potential, waiting for Nigerian crude. We have the oil, we have the refinery. The connection between the two is still not fully made.

Tomorrow I'm joining the @PennyvestHQ X Space as a guest speaker, and we're getting into something most people talk about but few actually build. Passive income. Real streams. Not motivation. Practical frameworks for making your money move even when you're not. Set your reminder 👇 x.com/i/status/20545…

The NGX Oil and Gas index has returned around 128% year-to-date in five months, not for the full year. This is what happens when you liberalise the exchange rate, and energy companies can finally report their dollar revenues at real naira values. The re-rating of Nigerian oil and gas stocks was always going to come. It just needed a functioning FX market to arrive.

A typical grocery basket that cost ₦25,225 in 2020 now costs around ₦147,050, a 582% increase in six years. Inflation officially eased to 15.38% in March 2026, but easing only means the pace of increase slowed. Nothing came back down. If your salary or your investments have not at least kept pace with that kind of erosion, your standard of living quietly fell without anyone announcing it.

@winniewesley Why invest when you need it in 30 days. If it's just a question to get reactions, fine; but if it's actually a person thinking in this direction, then, yhe person in question needs help beyond measure.

So you have quick 20M that u might need in a month but u don’t want it sitting idle. What stock will you buy that u can resell when u need the liquid??

33 Nigerian banks raised a combined ₦4.65 trillion to meet the CBN's new capital requirements before the March 31 deadline, one of the largest capital mobilisation exercises in Nigerian banking history. Now watch which institutions actually deploy that capital to grow lending and which ones just sit on a larger balance sheet doing nothing interesting.