5 Most In-Demand and Rewarding Career Options to Consider in 2022

January 18, 2022

The COVID-19 global pandemic situation has forced the dawn of a new era for all mortals on planet earth. Consequently, work and how it is done is fast adapting to these new realities. Reactions from Corporations and Organizations have been wide and varied, (from outright downsizing of the workforce to work from home adjustments). Some job descriptions are now either obsolete or out of demand. In line with the foregoing, considering new career opportunities has suddenly resurfaced on the front burner of many hitherto settled workers.

Today we pen down some In-Demand and high-paying career options that are relevant, available, and well-paying in 2022.

Information Technology: looking at the rapidly increasing number of internet users together with the increasing adoption of blockchain solutions across all sectors today, choosing a career in the Information Technology Industry will always be a great choice. Some of the areas you may want to consider in this industry includes DevOps, Networking & Security, Programming, Digital Marketing, Artificial Intelligence, Virtual Reality Programming, Data Science & Analytics, Web Development, Full Stack Development, Cybersecurity, Cloud Engineering, Machine Learning, Blockchain Programming, and many others.

Healthcare: The healthcare industry has become pivotal in the wake of the COVID-19 pandemic playing a vital role in the well-being of humanity. Traditionally, healthcare professionals tend to have high-paying salaries which have now become imperative given the hazardous nature of health care practice today. Some Countries have also put our immigration opportunities for anyone considering a career in medicine or healthcare. You may want to check out jobs in these lucrative healthcare areas; Public health, Physical Therapist, Nursing, Health service management, Medical Assistant, Home or Personal Health Aide, Massage Therapists, Lab technicians, Surgeon, Dentistry, Optometry, etc.

Financial Services: the recent growth of the global financial technology – “fintech” industry has increased the demand for finance and accounting professionals and this will obviously continue to rise for the foreseeable future. Some of the high-paying career options you can consider here include Financial Analyst, Accounting Manager, Management Consultancy, Financial Advisor, Auditor, Treasury Analyst, Budget Analyst, and many others. Some of the skills in-demand among financial professionals include Financial analysis, Project Mgt, Data analytics, Tech Skills, Sales, Financial management, and reporting.

Agriculture: Agriculture, being a basic and versatile field offers many career opportunities for evergreen employment. If you are interested in pursuing a career in agriculture this year, then you should check out these high in-demand areas; Biochemistry, Food Nutrition, Agriculture Operations Manager, Agricultural Engineering, Agricultural Sales, Farm Manager, Pest & Disease Control, Agricultural Finance, etc.

Supply Chain Management: Today, the task of supplying products, resources, and services on time and as at when needed has become more sophisticated and delicate, therefore, the need for supply chain management specialists is on the increase globally. Supply Chain Management and services oversee the process in which products, resources, services, and finances flow from manufacturer/supplier to the consumer. Because businesses must create processes to optimize how their products reach consumers, it is an interesting field to consider for a new career path. Some areas you can look into include Logistics Coordination, Procurement, Manufacturing, Distribution Centre Manager, Fleet Manager, Business Operation Specialist, Quality Manager, Supply Chain Analyst or Manager, and many others.

7 Best Frugal Restaurants in Abuja, Nigeria

Buzwallet Team

January 12, 2022

If you’re a frugal foodie who resides or visits the federal capital territory of Nigeria, you can still indulge your appetite for eating out on a good budget. Check out these seven great restaurants in Abuja for eating out on a frugal level.

JEVINIK RESTAURANT: here, they have varieties of food you can choose from. It’s a top class and good place to hang out to eat with family and friends. They’re located at 494, Bangui street, off Ademola Adetokunbo Cresent, Wuse 2, Abuja.

Abuja Municipal (AMAC), Federal Capital Territory, Nigeria
THE VUE: is a top Pan Asian Restaurant in Abuja. They serve great Chinese, Indian and African cuisines. They’re located at Novae Central Mall, Zone 5, Wuse 2, Abuja.

THE VUE RESTAURANT, FEDERAL CAPITAL TERRITORY, NIGERIA.
A CLASS RESTAURANT: this restaurant is a good place to eat out frugal lunch, breakfast or dinner with colleagues, dates, friends or family. It’s located at plot 102, along Kashim Ibrahim way, around A class park and events center.

Abuja Municipal (AMAC), Federal Capital Territory, Nigeria
CHARCOAL GRILL RESTAURANT: they sell nice appetizers, chicken lollipop, BBQ wings and other peppered grills. You’ll find them here at Penthouse, 112, Aminu Kano Crescent, Wuse 2, Abuja.

Abuja Municipal (AMAC), Federal Capital Territory, Nigeria
HOOTAS RESTAURANT: located at 16 Bangui Street off Durban Crescent off Adetokunbo Ademola Crescent, Wuse 2, Abuja. It’s a good one-stop place for frugal dining out with friends, family or colleagues.

Abuja Municipal (AMAC), Federal Capital Territory, Nigeria
CITY VIEW RESTAURANT AND GRILL: this restaurant sells all kinds of BBQ, Grills, salads, sandwiches, burgers, rice and many more. It’s a good place to have a cool chill out evenings with friends in Abuja. They’re located at Imperial Bakery Complex, 7 Capetown Street, Off IBB Way, Wuse Zone 4, Abuja.

Abuja Municipal (AMAC), Federal Capital Territory, Nigeria
PANACHE RESTAURANT: It is located at plot 1061, Hebert Macaulay way, Leadway House, near NNPC towers, Central Business District Area in Abuja. Though it’s a high class restaurant, you can still have a good dine there on a good budget.

Abuja Municipal (AMAC), Federal Capital Territory, Nigeria

Abuja has a lot of great restaurants that serve both local and international dishes you’ll love. In this simple write-up, we have just highlighted seven out of several others you could choose from. Spend wisely, save money, reduce waste, and eat like a foodie.

Real Estate Investments Options for Abuja in 2022

Buzwallet Team

January 5, 2022

Abuja, the heartbeat of Nigeria’s Federal Capital Territory (FCT) is unarguably an evolving beautiful city to live and be at rest! Designed by renowned Japanese Architect – Kenzo Tange, this modern city was planned and built in the 1980’s and has become Nigeria’s fastest growing city ever since. On the 12^th of December 1991, Abuja officially replaced Lagos as the seat of the Nigerian Federal Government. Given the abundance of undeveloped and relatively cheap real estate in Abuja, a lot of places in the city are beginning to attract the attention of real estate companies and developers alike. Modern, affordable and sustainable housing remain in high demand thus making real estate investment a low hanging opportunity for discerning investors, be it residential or commercial, shops or flats, schools or shopping centres. Abuja is now a great and safe location to deploy some profitable real estate investment.

In this piece we highlight some of the fast-rising places in Abuja you can consider to invest in:

Mabushi Area – This area is strategically located at the crossroads between the inner and outer Abuja districts. Amongst other features, some of the key features of estates in this axis are good road access, independent power supply, independent waterworks, gyms and sport centers etc. Mabuchi is located very close (8.2km,13mins walk) to the National Stadium which boasts of ample training facilities for Sportsmen and women.
Jahi District – Jahi is a cool and upcoming place to live in Abuja. Located northwest of Abuja Central Area. It has many new developing bungalows, duplexes, detached houses, semi-detached homes, townhouses, penthouse apartments, flats, terraced houses and luxury real estates. Because this axis has not been fully developed, it is experiencing rapid construction boom and promises interesting returns.
Lugbe – Lugbe enjoys proximity to the Abuja International Airport, Abuja Central District, Wuye to the northeast, Galadimawa, Lokogoma, to its east and Kuje to the west. Its proximity to major city areas has attracted considerable investment into the area. While there is ongoing development in this upcoming area, abundant opportunities still exist for real estate development.
Wuye District – Wuye is a serene environment close to the city center. It takes only about 10-15 mins drive from this area to the central areas like Wuse. There is significant ongoing property development in the neighborhood with many estates springing up. Infrastructure in this district is top-notch and still being upscaled, The imposing Family Worship Centre in Wuye District remains an Iconic place of interest, while the popular ‘Iya Amala’ food joint will always appeal to food lovers and adventure seekers.
Lifecamp – This district is quite well-developed with beautiful landscapes. It is a serene neighborhood for the middle to the upper class. Many Property Developers now have offerings in Lifecamp because of its alluring scenery and proximity to the city center.

Here are 5 things you can do to successfully invest in Abuja’s real estate:

Do your research: the first critical step to take if you want to succeed in the real estate investment market is to find relevant information about real estate in Nigeria and Abuja. Nowadays, any simple desktop search will reveal a lot of useful information about these subject areas but do remember that this is not the time to commit to anything or anyone as there are just too many scammers operating online!
Decide on a specific real estate property market you want: as you are probably aware that there are many sectors in the real estate industry, you can choose one of them based on what you want to achieve. There are residential properties or units, industrial properties, commercial and office properties.
Find a dedicated real estate Advisor: To help you navigate the layers documentation and verification need to authenticate titles in the Federal Capital Development Authority and the Abuja Geographic Information Systems. This is a basic prerequisite to avoid future issues.
Know the laws of housing: if you want to own or invest in land or a landed property in the FCT it will do you a world of good to get familiar with the land laws of Nigeria in general and the FCT.

How To Improve Your Financial Literacy in 2022

Buzwallet Team

January 4, 2022

Nowadays, being financially savvy has become imperative; not necessarily because money matters more than it used to, but because the ways and means by which we earn and retain money has become increasingly sophisticated, therefore, your financial IQ affects every single decision you make about money: how you earn it, spend it, save it, invest it, retain it and ultimately preserve it for the next generation.

Being financially savvy simply means having the “know-how” and confidence to efficiently and effectively manage, save, invest, retain and preserve money for you and your loved ones and for other stakeholders.

We have put together 7 simple helpful ways to improve your financial savvy in this new year 2022.

Start by Reading Books and Blogs About Personal Finance. Books offer a great way to change your mindset and approach to managing money. You will need to “sharpen the saw” of your mind regarding the workings of finance, if you want to become financially savvy.

Start Keeping a Budget. It’s impossible to anticipate every expense that could arise in 2022 but based on how much you typically earn and spend; you can start tracking your spending by setting up a monthly budget using a simple spreadsheet or website app. Some examples of spreadsheet and web app that help budgeting includes, Google sheet, Mint, Goodbudget, Gnucash, Pocket Guard, Personal Capital and many others.
Cut Down Monthly Expenses. One of the simplest things to improve your finances is to reduce variable expenses, such as entertainment, clothing, eating out etc, by being flexible and thinking frugally.
Build Your Savings and Include an Emergency Fund. Save what you can and consider ways to adjust your spending to accommodate a higher savings rate. And for emergency savings, experts recommend setting aside at least six months’ worth of basic living expenses in case of an unexpected financial situation.
Determine Your Credit Score and Learn How to Improve it. Improving your credit score is another way to save money on interest.
Speak with a Financial Professional. When it comes to basic daily money situations or more complex long-term scenarios, a financial professionals can answer your financial questions and guide you to make good decisions. They can as well help assess your current situation; help you plan for all your financial needs and help you stay on track as you go forward.
Make use of Social Media. Use your favorite social media channels to follow financial experts on Facebook, Instagram, Twitter or LinkedIn. You can as well consider joining a personal finance group.

5 Common Personal Financial Mistakes To Avoid in Year 2022

Buzwallet Team

December 29, 2021

Making mistakes is common to us all; that’s how we learn. But it’s always better to avoid it as much as we can & learn from the mistakes of others. To help you get to grips with your personal finances in 2022, let’s look at 5 most common financial mistakes you should avoid so you can thrive financially in 2022.

1. Deciding Not to Save and Invest in Your Future: Not putting aside a portion of your money to save and work for you is a big financial mistake. Because the sure way to meet long-term financial goals is with a smart savings and strategic investments. Include smart savings and strategic in your financial plan early next year. The earlier you begin to save and invest, the better off you’ll be later.

2. Starting the Year Without a Good Financial Plan: A good financial plan or budget helps ensure you’re properly attending to your needs, living within your means & allocating funds to your savings, wants, investments and other areas. It’s about putting together SMART (specific, measurable, achievable, relevant, time-bound) goals and an intelligent savings and investment strategy that will help you achieve your financial goals.

3. Not having an emergency fund: When you don’t have any extra cash set aside, you’re most likely to use more expensive ways or methods to finance your life. You need to have a fund for emergencies, equivalent to at least three or four months’ worth of household bills. Once you have set aside this amount, in an accessible deposit savings account, you can start looking to the future by saving small amounts in a normal savings account.

4. Spending more than you can afford: It usually doesn’t seem like a big deal to spend a few extra cash weekly on buying clothes or stuffs you don’t necessarily need; but, multiply this amount by 52, and that’s the amount that you are wasting every year! Therefore, it is wise to have a monthly budget; otherwise, you will end up overspending in the year 2022.

5. Living paycheque to paycheque: Depending solely only on your monthly income or paycheque can be a tough position to be in because if your expected income or paycheque doesn’t drop, you will be in a tight position. Ideally, it would be best to create other possible streams of income and also have at least four to six months’ worth of your monthly expenses in your bank account, in case of emergencies.

Other Common Financial Mistakes You Should Avoid Include:

Not making a passive income.
Rushing unprepared buy a new car or a new home.
Borrowing money
Paying off debt with your savings
Not having proper insurance in place
Not improving on your negotiating skills and paying full price for everything
Not saving for your child’s future
Postponing saving for retirement
Lending money without thinking
Overcommiting financially

The entire Buzwallet team wishes you with loads of love compliments of the season and a financially prosperous new year in advance.

Cheers!!!

Five Evergreen Rules to Secure Your Cryptocurrency Profits

Buzwallet Team

December 14, 2021

The relatively new Crypto-industry has provided ‘a very risky but also very rewarding means’ to making income. Nowadays, global adoption of digital forms of exchange (Cryptocurrencies) is fast gaining ground, with the Crypto-industry now worth well over two trillion-dollar market capitalization, a milestone that seemed like a mirage only a few years ago.

There is no gainsaying the fact that any industry valued at over two trillion dollars presents a formidable platform for solid profits provided one knows how to realize the boundless opportunities for continued profit taking!

We have put down below, some of these ‘know-how’ as simple rules for your pleasant reading and profit-making in the ever-evolving crypto world.

Rule Number 1. Forget the FOMO (Fear of Missing Out), Knowledge is King!

Before you ever part ways with your hard-earned money, face the facts and learn the science of Blockchains, Digital Money and Cryptocurrencies! Many Crypto projects are simply people’s ideas that still need to become projects and then products! Even if these ideas do make it all the way to becoming products, there are no guarantees that they will become successful products. So do your proper research before investing in this alluring goldmine.

Rule Number 2. Never Go All-In

When you have decided to invest, never put in all your investible funds at once. You might just be crowdfunding a bunch of anonymous scammers. It is always a better strategy to invest along the project growth cycle, following its successes and roadmap. When deciding how much to invest, always leave some aside, even when you have chosen the amount you want to put in, only spend a portion of it for your first investment.

Rule Number 3. Secure and Protect Your Investment.

Cryptocurrencies are digital assets, which makes them very susceptible to hacks and scams. In most cases, it is your own duty to protect your investment from complete loss. Learn to secure your assets in hardware wallets, offline wallets, exchanges, etc. Some highly recommended wallets and exchanges include:

Trust Wallet: https://trustwallet.com/
Luno Wallet and Exchange: https://luno.com/
Ledger Hardware Wallet: https://www.ledger.com/
Metamask: https://metamask.io/
Myetherwallet: https://www.myetherwallet.com/
Poloniex Exchange: https://login-m.poloniex.com/
Bitfinex Exchange: https://www.bitfinex.com/

Rule Number 4. Once You Are in Profit, Take Out Your Initial Investment.

Never forget to use the concept of “House Money” when investing in Cryptocurrencies. Because this market is so volatile, there are no guarantees for tomorrow, the only guarantee is the opportunity that exists now. House money simply means that you should only keep the money you have made in crypto in your long-term portfolio, this way you never lose your initial capital which can then be ploughed into something with a huge upside again and again.

Rule Number 5. Do Not Panic-Sell.

The Large players also known as “Whales” use this trick to accumulate cheap coins. They get ‘Newbies’ to panic-sell fast when prices shift southwards while they simply wait to get these same coins at very cheap prices. Unless you are already in significant profit do not fall for this trick, rather learn to buy the dips that have bottomed-out for yourself, especially when your investment is now ‘House Money.’

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