Coping with Financial Stress During the Global Pandemic- Get Quick Loans Now

Money worries is one of the most common issues. Feeling overwhelmed with money issues can be frustrating. Many of us are having to deal with financial stress and uncertainty at this trying time. These tips will help you regain control of your finances.

Take inventory of your finances

If you’re struggling to make ends meet, you may think you can ease your stress by leaving bills unattended to. But denying the reality of your situation will only make things worse in the long run.

The first step to devising a plan to solve your money problems is to detail your income, debt, and spending over the course of at least one month.

Create a monthly budget

Whatever your plan to relieve your financial problems, setting and following a monthly budget can help keep you on track and regain your sense of control.

Talk to someone

When you’re facing money problems, there’s often a strong temptation to bottle everything up and try to go it alone.

You may feel awkward about disclosing the amount you earn or spend, feel shame about any financial mistakes you’ve made, or embarrassed about not being able to provide for your family. But bottling things up will only make your financial stress worse. So, open up and talk to someone.

Manage your overall stress

Resolving financial problems tends to involve small steps that reap rewards over time. It’s unlikely your financial difficulties will disappear overnight.

But that doesn’t mean you can’t take steps right away to ease your stress levels and find the energy and peace of mind to better deal with challenges in the long-term.

While we are managing the stress that comes with the pandemic, what we make the most out of the situation. We are here for you whatever the need, Get Quick Collateral Free Online Loan? Visit any of our digital channels, website or chat us on WhatsApp now 09070309430

CoronaVirus: Implications For Business.

CoronaVirus: Implications For Business.

As economies reopen, many companies decide to combine remote work with time within the office to urge the simplest mixture of productivity and collaboration. But with employees feeling anxious and burned out, getting the balance of the new hybrid model right is critical. A survey was carried out by Mckinsey of over 2,000 employees to find out what they’re saying about remote work.

We have identified four phases that organizations will move through as they answer Coronavirus:


Responding to immediate challenges. Practically overnight organizations needed to set up a large portion of their workforce to work from home for the first time. Do they have the devices and access they need to perform their jobs? What might have been a five-year plan to transition a portion of the workforce to remote now had to be executed in a week or two for the majority of employees.


Managing through uncertainty. Instead of an 8 a.m. to 4 p.m. shift, with a set break and lunchtimes, employees were starting earlier, working later, but taking longer blocks of time during the day to address childcare, elder care, etc. instead of a target of 85% productive, goals might have been adjusted to 75% during the first month, and then increased as new habits and patterns emerged.

New Roles and Skills:

Adapting to a new world. Many industries were dramatically impacted by the coronavirus pandemic.
Some banks found out bank tellers reception as contact center agents to assist handle the high volume of inquiries. The challenge is, how does one quickly onboard these employees with the talents they have to perform these new roles?

Each of those phases will have different workforce requirements, and organizations must resist the urge to leap to the simplest and most immediate solution.

Workforce Shaping

Many organizations will consider their workforce challenges through a standard workforce planning lens – the number of individuals or positions they have or they need. Instead, workforce shaping may be a discipline for organizations to articulate an intelligent and strategic understanding of the workforce they require within the next five to 10 years.


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Why You Should Apply For a Personal Loan

Personal loans are unsecured loans given with zero collateral and may be used for several purposes.  However, the best part is that unlike secured home loans, car loans, or education loans, personal loans can be used for a variety of purposes.

Below are some circumstances to guide you on why you should apply for a personal loan;

  1. Medical Emergencies

There are often several situations in your life where you’re handling a serious health concern of yours or your loved ones. In such circumstances, Credit Direct offers low-interest emergency loans instantly, during a completely digital and painless process.

  1. Higher Education

Taking an online Master’s program or take a course that will improve you or your business, it is known that traditional education loans come with certain conditions that might not be met. For example, some loans can only be accessed only if you get admission to a specific category of colleges and universities.

  1. Funding a Big Purchase

You might be in need of a new refrigerator, washing machine, laptop, or television, etc. All these expenses aren’t exactly cheap and need a sufficient amount of funds. If you do not have enough money to spare directly, take a private loan of the needed amount and repay it in small EMIs to manage the impact of buying a big-ticket purchase better.

However, Click here to find out more about low-interest loans from Credit Direct. You too can apply for an instant personal loan from Credit Direct Limited to take care of any emergency. Don’t forget to share this with someone.

Exploiting Market Gaps

It is often very easy to conclude that there are no new needs to service in the market and opportunities are non-existent or constrained. That is far from the truth and often the first slide into complacency.

A market gap is an opportunity for a business to expand its customer base by identifying and capturing new customers and/or meeting the needs of existing customers for new products or services.

Over time, businesses that have been able to keep an eye on market trends and spot opportunities for carving out unique markets have enjoyed growth. One benefit of exploiting the market gap is that often, first-movers become dominant in the industry and sometimes enjoy a monopoly.

On the other hand, complacent businesses end up struggling for market shares in industries already at their maturity or in decline.

There is an opportunity today for businesses to mark new territories because the fallout of the pandemic, the aftereffect of the pandemic, and the new work it has created will lead to a change in consumer behavior and needs.

Here are the critical considerations to help with exploiting market gaps.

Understand your existing market 

The first step to expanding your frontier is in understanding where you currently stand. As a business owner, you need to have a clear picture of the profile of your existing market. You need to ask the following questions: what am I selling and what problem is that solving? Who are my customers? What are they saying about my services? What are their complaints?

You also need to be aware of the different types of customers based on demographics and income class and how their profile affects demand for varying features of your products and services.

This information will help you understand what segment of your market is underserved and which features need to be enhanced to bring in new customers.

An example of this is TikTok, a popular social media platform among GenZ and Millennials today. The application used to be, which allowed people to upload lip-synch videos. ByteDance saw an opportunity to focus majorly on the GenZ and Millennials’ preference for short video sharing social media and bought in 2018.

By focusing on a need from a particular generation, ByteDance created a new product that has become a giant in its rights.

Understanding what people think and feel about your product or service is not difficult. You can utilize short surveys on Google, person-to-person conversations, or data and reports published about your industry. You can also follow the news to keep up to date with trends.

Leverage Technology

Uber and Airbnb are some of the wonders of the 21st century, but these businesses are nothing more than a change in approach to already existing enterprises.

Uber for instance allows users to hail taxis from the convenience of their phones rather than from a sidewalk. Incorporating technology into your business process can help you achieve efficiency and reduce cost, and it can help even deliver services or products customers will appreciate.

In today’s world of artificial intelligence, blockchain, and social media, businesses can think out of the box to discover how these advancements can help them create new markets.

Educate your potential market

Economists have at some point debated whether “demand creates supply” or “supply creates demand”. For marketers, the belief is that by showing consumers their need for a product, a market or demand can be created. This approach can be useful in creating new demand for your product.


Closer home, the consumer lending today was nonexistent some 13 years ago until Credit Direct Limited took up the challenge even when the top tier banks battled to understand the model of operation, they brainstormed for over 8 months to learn the business to no avail, the rest they say is history as these commercial banks now jostle for same space years after the first movers took up the challenge. Never Say Never. Be ready to step up and do new things that would create an indelible mark in time. Dare to win, dare to succeed. You alone have the capabilities to limit yourself. Go forth.


Business Skills You Need To Master

Running a business demands more than passion. Many entrepreneurs fail because they were unable to translate their passions into practical business skills.

These business skills you need to master can be learned over a period of time or entrepreneurs can hire employees/professionals who are strong in specific areas.

Here are some business skills you need to master to help make your business succeed:

Analytical Business Skills:

This is the ability to collect and analyze information and make decisions. For entrepreneurs, this decision could be whether to obtain a loan to fund the business or not. Good analytical skills can help solve a company’s problems and improve its overall productivity and success.

Communication Skills:

The ability to convey or share ideas or feelings effectively. Skills include empathizing, listening, observing, and speaking. Communication skills help you to understand the differences in how to communicate through face-to-face interactions, phone conversations, and digital communications.

Delegation Skills:

This allows you to get results, manage time, develop people, and build morale. These skills help to instill confidence in your team and also help staff to be more engaged.

Leadership Business Skill:

These are abilities individuals demonstrate that help to oversee processes, guide initiatives, and steer their employees toward the achievement of goals.

Negotiation Skills:

The abilities and qualities that allow two or more parties to reach an agreement. Your ability to persuade, communicate, plan, and strategize are key soft skills for negotiation.

Team building Skills:

These skills help a team to solve problems in a way that helps them achieve their goals and keeps team members working well together. Teambuilding activities help team members to develop their strengths and address any weaknesses.

PS: In any team-building exercise, collaboration should be encouraged and not competition.

Time management Skills:

If you’re not managing your time well, there’s no way you’re going to reach your goals. These skills help you to plan and control how much time you spend on specific activities and reduce stress and improve productivity.

Strategic Planning:

This is the art of formulating business strategies, implementing them, and evaluating their impact based on organizational objectives. The purpose is to set overall goals for your business and to develop a plan to achieve them.


FUNDING: Raising Capital For Your Business Post COVID-19

The outbreak of the novel virus Covid-19 has had a great impact on existing small businesses, especially in developing countries. SMEs in Nigeria have had to deal with anxiety over uncertainties that might exist after the crisis, challenges with cash flow, customer retention, and disruption in essential operation processes. Many have lost millions of Naira due to the economic implications caused by the pandemic, especially in industries that are customer facing.

However, in the midst of this, an array of companies have also sought out ways to raise finance to ensure their sustainability while also leveraging the relatively cheap opportunity to raise capital.

It is pertinent to note that of the many challenges faced by SME’s in Nigeria, the lack of finance is one begging to be solved. Statistics show that 80% of small businesses started in Nigeria fail within the first five years. This alarming rate of business failure is attributed to several reasons, the most commonly cited being insufficient capital, as well as poor access to credit facilities.

For a country suffering numerous infrastructural challenges, and a difficult business environment, the inability to raise sufficient capital presents itself as the deadshot to businesses. Credit facilities could have been a viable option, but this has not been the case.

A recent PWC survey has revealed that Micro, Small, and Medium Enterprises do not rely on banks to meet the majority of their funding needs. For the MSMEs interviewed during the survey, bank loans are impossible to get mainly because of their bureaucratic application process and high interest rate. About half of the respondents (50%) admitted that they did apply for bank loans over the last 12 months, but never ended up taking them due to their high costs. The report also noted that high cost of capital is one of the major costs to business operations in the country.

Thus, to aid startups and budding small businesses, these are a few alternative ways in which business owners can raise the much needed capital they require to start, sustain, and scale their businesses.


The Nigerian government earlier in May had announced plans to establish an SME Survival Fund to sustain at least 500,000 jobs in ‎50,000 SMEs. The said funds will be targeting businesses in critically affected sectors such as hospitality, creative industries, road transport, tourism, and schools.

Interestingly, the plan states that these grants will be disbursed through microfinance banks and fintech credit providers. A three-month timeline has been earmarked for the disbursement of these relief funds and the scheme will be implemented through the Steering Committee on the MSME Survival Fund, the Federal Ministry of Industry, Trade, and Investment, and the Bank of Industry.


Crowdfunding is another popular way of sourcing for funds; it depends on a system of generating small investments from a large number of sources. It is believed that it is easier to raise small amounts of money from many people than it is to raise huge sums of money from a few people.

Some of the different types of crowdfunding are – Donation, Reward-based, Debt and Equity Crowdfunding, which is one of the most recommended. With equity crowdfunding, investors give money to business owners in exchange for a percentage of ownership of the company; then after a window of time, the company repays the investors with interest in return. Most times the investors receive repayment or reward with interest within a designated period of time.


Provided that your business isn’t operating in an industry that requires lots of startup capital, like manufacturing or transportation, you can potentially fund your own venture—and it may be more feasible than you think. Although funding the business yourself carries lots of risks, it is important to consider your potential. If you believe in the vision for your business, you should feel comfortable investing your own money in your business. It also encourages potential investors who are willing to partner with you down the line.


In recent times, we have seen the rise of accelerators and incubators in the Nigerian startup and SME scene. Numerous small businesses have been beneficiaries of the support of incubators and accelerators, such as Fate Foundation, Tony Elumelu Entrepreneurship Foundation, CoCreation Hub, Google LaunchPad, Y Combinator accelerator programme, to name a few.

Incubators are companies that provide support services such as office space, electricity, and business management training to small businesses. While an accelerator is a program that gives companies access to mentorship, training, investors and the support they need in order to maximize their growth.



Tips On How To Stay Focused At Work

With the new normal in place, we have already lost some steam and it shows from the deliverable timelines. So, while we try our best to stay on track and keen to finish the tasks at hand, we are weary about distractions and how to combat them. You might be extremely busy when something suddenly comes up that takes the time you should be spending on priority tasks. It could be a chatty colleague, a boss with a less important task, a notification from your phone, a social media prompt, an impromptu meeting or, if you are working remote,  it could be kids or siblings playing or chatting around.

Continue like this and within 30 minutes you have lost track and you cannot remember where you left off and why you do not seem to get back on track.

This does not sound too far from what you really experience daily. Well we have put down a few tips on how to stay focused while working.

  • Get Rid of Distractions

Before you set out on the day’s tasks, you need to get rid of the distractions to get work done. A good way to do this would be to define specific “focus time” where you turn off all distractions and notifications on your phone, ignore anything that would make you lose focus. With this, you are more likely to have your work be your focus.

  • Get in the Mix

Getting in the mix starts with setting up a To Do list for the day and getting excited about the task at hand. Also, go after each task in order of priority and urgency. Try to accomplish all the important tasks first before you handle smaller tasks.

  • Set Timelines

It is likely that you already have official deadlines, it is always a good choice to set personal deadlines ahead of the official ones. This way, you are likely to work at a good pace and get more done before the official deadline.

  • Take organized Breaks

Working for too long without taking breaks can be exhausting. So, organize your breaks to keep you fresh and smart. Ensure to stretch your legs often. You could also do some desk stretches or chat briefly with a colleague. Take some time off to go on social media this helps boost your energy and increase your alertness levels.

  • Drink water eat healthy

Ensure to keep a water bottle close to ensure you drink water often. Do not wait till when you are starving to eat. This is necessary to keep you stronger and your energy levels high throughout the day. This would help keep your body and mind together while working.



10 Healthy Lifestyle Tips

1. Eat a variety of foods

For good health, we need more than 40 different nutrients, and no single food can supply them all. It is not about a single meal; it is about a balanced food choice over time that will make a difference!

2. Base your diet on plenty of foods rich in carbohydrates

About half the calories in our diet should come from foods rich in carbohydrates, such as cereals, rice, pasta, potatoes, and bread. It is a good idea to include at least one of these at every meal. Wholegrain foods, like wholegrain bread, pasta, and cereals, will increase our fibre intake.

3. Replace saturated with unsaturated fat

Fats are important for good health and proper functioning of the body. However, too much of it can negatively affect our weight and cardiovascular health. Different kinds of fats have different health effects, and some of these tips could help us keep the balance right:

  • We should limit the consumption of total and saturated fats and completely avoid trans fats.
  • Eating fish 2-3 times a week, with at least one serving of oily fish, will contribute to our right intake of unsaturated fats.
  • When cooking, we should boil, steam or bake, rather than frying, remove the fatty part of meat, use vegetable oils.
4. Enjoy plenty of fruits and vegetables

Fruits and vegetables are among the most important foods for giving us enough vitamins, minerals and fibre. We should try to eat at least 5 servings a day. For example, a glass of fresh fruit juice at breakfast, perhaps an apple and a piece of watermelon as snacks, and a good portion of different vegetables at each meal.

5. Reduce salt and sugar intake

A high salt intake can result in high blood pressure and increase the risk of cardiovascular disease.

6. Eat regularly, control the portion size

Eating a variety of foods, regularly, and in the right amounts is the best formula for a healthy diet.

Skipping meals, especially breakfast, can lead to out-of-control hunger, often resulting in helpless overeating. Snacking between meals can help control hunger, but snacking should not replace proper meals.

7. Drink plenty of fluids

Adults need to drink at least 1.5 litres of fluid a day! Or more if it’s very hot or they are physically active. Water is the best source, of course, and we can use tap or mineral water, sparkling or non-sparkling, plain or flavoured. Fruit juices, tea, soft drinks, milk and other drinks, can all be okay – from time to time.

8. Maintain a healthy body weight

The right weight for each us depends on factors like our gender, height, age, and genes. Being affected by obesity and overweight increases the risks of a wide range of diseases, including diabetes, heart diseases, and cancer.

9. Get on the move, make it a habit!

Physical activity is important for people of all weight ranges and health conditions. It helps us burn off the extra calories, it is good for the heart and circulatory system, it maintains or increases our muscle mass, it helps us focus, and improves overall health well-being.

10. Start now! And keep changing gradually.

Gradual changes in our lifestyle are easier to maintain than major changes introduced all at once. For three days, we could write down the foods and drinks we consume throughout the day, and make a note of the amount of movement we made.

While we provide quick emergency loans, we give  tips on how best to live a healthy life and make a good living. Please share and drop comments for further readings.

Mindful Eating: Benefits and Practices

Mindful eating is maintaining an in-the-moment awareness of the food and drink consume, observing rather than judging how the food makes you feel and the signals your body sends about taste, satisfaction, and fullness.

For many of us, our busy lives make mealtimes rushed affairs or we find ourselves eating in the car commuting to work, at the desk in front of a computer screen, or parked on the couch watching TV. We eat mindlessly, shoveling food down regardless of whether we’re still hungry or not.

Eating mindfully can help you to:

– Slow down and take a break from the hustle and bustle of your day, easing stress and anxiety.
– Examine and change your relationship with food—helping you, for example, to notice when you turn to food for reasons other than hunger.
– Derive greater pleasure from the food you eat, as you learn to slow down and more fully appreciate your meals and snacks.
– Make healthier choices about what you eat by focusing on how each type of food makes you feel after eating it.
– Improve your digestion by eating slower.
– Feel fuller sooner and by eating less food.
– Make a greater connection to where your food comes from, how it’s produced, and the journey it’s taken to your plate.
– Eat in a healthier, more balanced way.

How to practice mindful eating

To practice mindful eating, it’s important to eat with all your attention rather than on “automatic pilot” or while you’re reading, looking at your phone, watching TV, daydreaming, or planning what you’re doing later. When your attention strays, gently bring it back to your food and the experience of cooking, serving, and eating.

Below are ways to practice mindful eating;

Start by taking a few deep breaths and considering the health value of each different piece of food. While nutrition experts continually debate exactly which foods are “healthy” and which are not, the best rule of thumb is to eat food that is as close as possible to the way nature made it.

Employ all your senses while you’re shopping, cooking, serving, and eating your food. How do different foods look, smell, and feel as you chop? How do they sound as they’re being cooked? How do they taste as you eat?

Put your utensils down between bites. Take time to consider how you feel—hungry, satiated—before picking up your utensils again. Listen to your stomach, not your plate. Know when you’re full and stop eating.

Take a bite, and notice how it feels in your mouth. How would you describe the texture now? Try to identify all the ingredients, all the different flavors. Chew thoroughly and notice how you chew and what that feels like.

Focus on how your experience shifts moment to moment. Do you feel yourself getting full? Are you satisfied? Take your time, stay present and don’t rush the experience.

Be curious and make observations about yourself, as well as the food you’re about to eat. Notice how you’re sitting, sit with good posture but remain relaxed. Acknowledge your surroundings but learn to tune them out. Focusing on what’s going on around you may distract from your process of eating and take away from the experience.

Tune into your hunger: How hungry are you? You want to come to the table when you’re hungry, but not ravenous after skipping meals. Know what your intentions are in eating this specific meal. Are you eating because you’re actually hungry or is it that you’re bored, need a distraction, or think it’s what you should be doing?

Give gratitude and reflect on where this food came from, the plants or animals involved, and all the people it took to transport the food and bring it onto your plate. Being more mindful about the origins of our food can help us all make wiser and more sustainable choices.

Continue to eat slowly as you talk with your dining companions, paying close attention to your body’s signals of fullness. If eating alone, try to stay present to the experience of consuming the meal.


Stress Management Tips

Not managing stress, wreaks havoc on your personal health, as well as emotional equilibrium. Effective stress management helps you break the hold stress has on your life, so you can be happier, healthier, and more productive. The ultimate goal is a balanced life, with time for work, relationships, relaxation, fun and the resilience to hold up under pressure and meet challenges head on.

Below are some stress management tips:

A. Connect to others: There is nothing more calming than spending quality time with another human being who makes you feel safe and understood. In fact, face-to-face interaction triggers a cascade of hormones that counteracts the body’s defensive “fight-or-flight” response. Its nature’s natural stress reliever (as an added bonus, it also helps stave off depression and anxiety). So make it a point to connect regularly—and in person—with family and friends.
Keep in mind that the people you talk to don’t have to be able to fix your stress. They simply need to be good listeners. And try not to let worries about looking weak or being a burden keep you from opening up. The people who care about you will be flattered by your trust. It will only strengthen your bond.

B. Create time for fun and relaxation: Don’t get so caught up in the hustle and bustle of life that you forget to take care of your own needs. Nurturing yourself is a necessity, not a luxury. If you regularly make time for fun and relaxation, you’ll be in a better place to handle life’s stressors. Set aside leisure time, Do something you enjoy every day, Keep your sense of humor.

C. Manage your time better: Poor time management can cause a lot of stress. When you’re stretched too thin and running behind, it’s hard to stay calm and focused. Plus, you’ll be tempted to avoid or cut back on all the healthy things you should be doing to keep stress in check, like socializing and getting enough sleep. The good news: there are things you can do to achieve a healthier work-life balance. Prioritize tasks, break projects into small steps, delegate responsibility.

D. Learn to relieve stress in the moment: When you’re frazzled by your morning commute, stuck in a stressful meeting at work, or fried from another argument with your spouse, you need a way to manage your stress levels right now. That’s where quick stress relief comes in.

E. Identify the sources of stress in your life: Stress management starts with identifying the sources of stress in your life. This isn’t as straightforward as it sounds. While it’s easy to identify major stressors such as changing jobs, moving, or a going through a divorce, pinpointing the sources of chronic stress can be more complicated. It’s all too easy to overlook how your own thoughts, feelings, and behaviors contribute to your everyday stress levels. Sure, you may know that you’re constantly worried about work deadlines, but maybe it’s your procrastination, rather than the actual job demands, that is causing the stress.

At Credit Direct Limited, we enable Peace Of Mind, we encourage you to stay healthy always and ensure to keep fit. We provide unsecured loans within minutes. all you need do is call 01 4482225 or log on to

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