₦ Naira Journal
Resources

Nigeria's Personal Finance Publication

Your naira,
explained simply.

Plain English and real sources. For Nigerians figuring money out at home and in the diaspora. The proof is an account you can watch.

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Market Mood IndexNGX

A 0 to 100 reading of NGX market mood. The dated reading loads when available.

How this is measured
The AccountBalance as of 6 Oct 2026

₦100,000 a month. One Nigerian fund. Tracked in public.

Balance

₦1,057,632

Above deposits

+ ₦57,632
Worth today₦1,000,000 put in
See the full account

From the Journal

Latest reads

All 28 pieces
Big Picture

The Milo Tin That Owed More Than It Owned

Nestle Nigeria listed its shares in 1979 and paid dividends for decades. In 2023 the naira's collapse pushed it into negative equity, owing more than everything it owned. This is the 47-year story of how a blue chip broke, and what it repaired first.

5 Oct 2026 · 4 min read
Saving and investing

The Rate Cut and Your Savings: What 23% Does to Your T-Bills, Your Fund and Your Account

5 Oct 2026 · 4 min read
Saving and investing

The Government Pays 16%. Your Fund Pays 15%.

28 Sep 2026 · 7 min read
Saving and investing

Monthly Naira Savings: What You Put In and What Actually Grows

24 Sep 2026 · 3 min read

Visual histories

Three timelines you can scroll through, every claim dated and sourced, no smooth lines where none were published.

Four cowrie shells in an open palm13 eras The Naira’s Story From cowrie shells to the naira you spend today. The full history, sourced. Shells, manillas, colonial shillings, the 1973 naira, polymer, centenary. Read the history Polymer fifty naira note with transparent window8 prints The Two Nairas One currency. Two prices. The dated record. Official and street dollar rates as published prints from 1985, SFEM, the 197 naira peg, unification, first 1,000. See the two rates Rows of trading desks on a stock exchange floor in Nigeria13 eras How Nigeria Got a Market From seven signatures in 1960 to a 131 trillion naira market. Seven subscribers in the Memorandum, 19 securities in the Central Bank building, indigenization, 2008 crash, demutualization. See how it was built

New here?

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Living in Nigeria

You earn naira, you spend naira, and you are ready for that money to finally do something.

Access, on-ramps, and the accounts and apps already sitting on your phone.

Start here Living abroad

One financial life in two currencies.

Where the ISA, the TFSA or the 401k ends and the naira side of the plan begins, and the real cost of sending money home.

Start here Starting from zero

If nobody ever taught you this, that is most of us, and it is not your fault.

Every term defined once, in order, from what money is to your first fund. The Basics is the ordered course.

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