Let’s be real—nobody wants to be broke in 2025. But making money isn’t just about hustling harder; it’s about playing smarter. That’s exactly what we tackled in our recent webinar, Practical Ways to Make Money in 2025. From dodging bad money habits to investing smart and securing the bag without issues, here’s your crash course on getting your finances up this year.

1. Cut Off Bad Money Habits

Before we talk about making money, let’s talk about losing it (because some of us may be guilty of this). Do you know the biggest culprits? Let's see!

• Impulse spending– That “I deserve it” shopping spree? Your wallet disagrees.
• Living paycheck to paycheck– If your money evaporates before the month ends, it's time to tweak your game plan.
• Not growing your funds– Keeping all your money in a traditional account is like leaving it in a fridge. It stays the same. (Or worse, inflation eats it up.)
• Waiting for the 'perfect time' – Spoiler alert: there’s no perfect time. The best time to start is now.

Step one? Budget smarter, save intentionally, and start thinking like big.

2. Know the Simple Formula for Making Money

Forget the hustle-culture pressure. Making money is about working smart, and here’s how:

• Increase your earning power: Ask for that raise, learn a new skill, or find a side gig. More income streams get you more cash.
• Let your money work for you: If all your money is just sitting, you’re missing out. Put it where it grows.
• Stay consistent: One-off efforts won’t cut it. Build habits that keep your money flowing long-term.

And speaking of growing money…

3. Want High Returns Without Stress? Try Yield

Not all investments are worth your time, so how do you find a solid one? Look for:

• Low risk – You want security, not heart attacks.
• High returns – Let’s be honest, if it’s not beating inflation, what’s the point?
• Flexibility – Your money, your terms.

That’s why Yield by Credit Direct is a game-changer. It gives you up to 21% annual returns, so your money doesn’t just sit but grows. Want to start? Follow below in just 3 easy steps!

1. Create an account at yield.creditdirect.ng
2. Pick a plan. Flex Yield for easy access or Fixed Yield for higher returns.
3. Sit back and watch your money grow

No hidden fees, no complicated processes, just stress-free fund management. Get started here.

4. Upskill to Increase Your Income. Here’s how to do it better

The more skills you have, the more money you can make. But learning doesn’t have to drain your account. Here are some secrets we thought to share!

• Online courses – Udemy, Coursera, and LinkedIn Learning have solid courses (some are even free).
• YouTube– A goldmine of free knowledge if you know what to search for.
• Learn on the job– Take on new tasks that force you to grow.

Whatever you do, don’t stay stagnant. In 2025, skills equal money.

5. Find Side Hustles that Won't Stress You Out

Not everyone wants to launch a startup—and that’s okay. You can still make money with these low-effort, high-reward side gigs:

• Freelancing: Got a skill? Sell it. (Writing, design, coding, video editing—there’s demand for everything, you just need to find what works for you).
• Dropshipping: Sell online without holding inventory.
• Content creation: You don’t need to be an influencer to make money from content. (Think YouTube, TikTok, affiliate marketing.)
• Social media management: Businesses need help managing their pages, and they’ll pay for it.

No idea where to start? Just pick something and test the waters.

6. Set Money Goals That Actually Stick

Forget unrealistic financial resolutions. Here’s how to actually set goals you’ll stick to:

• Be specific– “Save money” is too vague. “Save ₦500k by June” is a real goal.
• Break it down– Big goals feel impossible until you break them into smaller bits.
• Track progress– Use budgeting templates or apps—whatever works for you. We designed a free, simple budgeting template with you in mind. Check it out here

Remember, consistency beats intensity. Small, steady moves will get you there.

No more overthinking—it’s time to take action. 2025 is your year to make money work for you, so what’s stopping you?