Author: Lucy Akokotu

  • 5 Proven Ways To Lower Electricity Bill At Home

    5 Proven Ways To Lower Electricity Bill At Home

    Are you tired of those hefty electricity bills that arrive each month? If so, you’re not alone. Many of us are seeking practical ways to lower electricity bill at home and reduce the financial burden that comes with it. And it’s not just electricity, we also want to save money on food and transportation. In today’s blog post, we’re going to explore a variety of methods to help you lower your electricity usage at home. So, if you’re ready to save money and reduce your carbon footprint, keep reading to discover how you can take control of your energy consumption and enjoy a more sustainable and cost-effective lifestyle.

    Key Takeaways 

    • Buying energy-saving appliances consume 9-25% less energy than less efficient ones, making them a wise investment.
    • Even in standby mode, electronics consume energy. Be sure to switch off all appliances when not in use.
    • Overcharging devices, like mobile phones and laptops, can increase electricity consumption. Turn off chargers when not in use.
    • Opening the fridge frequently and placing hot food directly inside it can lead to increased energy consumption.

    1. Turn off the lights

    A simple habit of turning off the light when you are not using them or when leaving a room can make a difference in your bills at the end of the month. Replacing all your lights with LED bulbs is even better. Both can help you save a good amount on your monthly electricity costs.

    2. Buy energy-saving appliances

    Appliances like your freezer, washing machine, AC, and pressing iron consume roughly 13% of the total electricity used in the house. So, when next you want to replace your appliance, consider buying energy-efficient systems with five-star ratings. They consume 9-25% less energy than energy-guzzling ones with little or no ratings.

    3. Unplug electricity from socket

    Just because your electronics are on standby mode, doesn’t mean they don’t consume energy. Standby mode, also known as “phantom” or “vampire electricity” accounts for around 15% of your household electricity bill. Switch off all appliances when going to bed or leaving the house. Not only is it safer, but your pocket will thank you for it.

    4. Stop charging devices for long

    Charging your devices such as your mobile phone or laptop for long hours or keeping your chargers on, might increase your electricity bills. Always remember to turn off the chargers from the switch when not in use.

    5. Don’t open the fridge too often

    For every 10–20 seconds a fridge door is left open, it takes 45 minutes for it to recover lost gas. And don’t put hot food straight into the fridge or freezer. The fridge or freezer will have to draw more energy to cool it down.

    Bottom Line

    Sometimes, our electricity bills are high and it may be due to our daily habits. So, you might want to try some of these tips to reduce your electricity bill at home.

    What other tips should be added to this list?

     

  • 10 Fantastic Valentine Day Gift Ideas to Get Him or Her

    10 Fantastic Valentine Day Gift Ideas to Get Him or Her

    Everyone loves getting gifts, especially on Valentine’s Day – we know we do. But the real struggle is getting the right valentine day gift ideas so you can give your loved one, friend or colleague the perfect gift, to show how much we appreciate them.

    Don’t forget yourself – oh yes. Show self-love, if you have no boo.

    So, what gift(s) are you giving this year?

    Please don’t say chocolates, flowers, and stuffed animals(emoji with the eyes rolling). Don’t you get tired of giving out the same cheesy gift every year? No need to panic if you are still stuck on the usual Valentine’s gifts.

    10 Fantastic Valentine Gift Ideas Your Love Ones Would  Appreciate.

    Gifts for Men

    1. T-Shirt 

    When in doubt, go for a classy T-Shirt to spice up his wardrobe. It literally can be dressed up or down depending on the occasion. You are sure to win a smile from him.

    2. Men Bracelet

    Just so you know, men also love accessories. A durable hand band bracelet might just be what he needs to compliment his style.

    3. Rechargeable Hair Clipper

    There’s something about a clean-shaved man- even the beard gang needs a trim occasionally. With the rechargeable clipper, you get to take care of all his hair needs.

    4. Wristwatch

    You can never go wrong with a wristwatch as a gift. A quality wristwatch makes him look stylish and takes his fashion game to another level.

    5. Money Transfer

    We saved the best for the last. Use your NowNow app to either transfer money to his wallet, buy data or pay for a subscription for him. This is the best surprise ever.

    Gifts for Her

    1. Jewelry

    “I have enough jewelry,” said no woman ever. You can never go wrong with gifting her either a wristwatch, necklace, ring or earring.

    2. Wig

    Getting a lady wig is always going to be a hit and never a miss-even the ladies who wear low cut hair. She will definitely remember your gift on days when she wants to look beautiful without the stress of going to the salon.

    3. Handbag 

    Ladies love to carry handbags-small or big. Pay attention to the usual size she loves to carry and you are good to go.

    4. Massage 

    A massage is a guaranteed winner all year round. Use your NowNow app and pay for a relaxing session at the spa. You can even book a couples massage, to make the experience memorable.

    5. Money Transfer

    Nothing says I love you to a woman than a money alert. Use your NowNow app to either transfer money, buy data or pay for a subscription for her. All three will blow her mind.

    There you have it.

    Bottom Line

    You can’t go wrong with any of these gift ideas to surprise that special someone or treat yourself special this Valentine’s Day. You can start preparing early but taking advantage of  the Christmas discount run by businesses during the holiday to get the most bargain. 

     

  • Download and Get 500 Naira

    Download and Get 500 Naira

    NowNow mobile banking app is all about giving you full control of how you spend your money-on your terms. And one of the ways to be a Boss Boss is to have money- even if it’s the dash kind. As one of the ways of giving back, we are launching Download and Get 500 Naira.

    What is Download And Get 500 Naira?

    The Download and get a 500 naira campaign is an instant bonus is for new users who want to manage their money right using their phone.

    How can I get the Bonus?

    To be eligible for the bonus, you’ll need to download the NowNow app on ios or play store. Once you successfully register, an instant bonus of 500 will be credited to your wallet ID. It’s that easy.

    Share the love

    Already have the NowNow mobile banking app? Then give friends and family members a chance to enjoy this bonus. Or you can share the flier on Twitter, Facebook, Instagram or Whatsapp for your friends or family to see-they will thank you for it.

    Get NowNow app and enjoy the new new way to bank. Good luck!

  • NowNow Debit Mastercard Don Show

    NowNow Debit Mastercard Don Show

    My Padi, NowNow debit Mastercard Card don show!

    NowNow is introducing the debit Mastercard, and we’re ready to take your card requests!

    If you’re wondering why you need to get the card, here are a few compelling reasons

    ✨One app connected to your card

    Your card links seamlessly to your wallet, enabling you to make payments via POS, ATM, and the web anytime, anywhere!

    ✨Card is free

    Yes, you read it right! NowNow card is free. You only need to have a minimum of N1,000 in your wallet before you can request a card. Once you activate your card, the N1000 will be promptly refunded to your wallet. Plus, we ship to any location within Nigeria of your choice.

    ✨100% Secure

    Worried about card theft or compromise? No need to stress! Simply block, unblock, or freeze your card with a tap from your app.

    ✨Set transaction limit

    If you’re the type who likes to keep a close eye on your spending, this feature is tailor-made for you. Set your desired spending limits on a daily, weekly, monthly, or yearly basis for POS, ATM, or web transactions – all from your app.

    ✨QR Code Enabled

    If you’re a fan of scan-to-pay, you’re in for a treat. The NowNow card comes with a QR code, so the next time you encounter a NowNow Agent, give it a try!

    ✨3Ds Safetoken

    With our 3D and safetoken features, you can enjoy peace of mind when making online payments. Access your virtual card details from the app (it’s free), and you’ll even receive an OTP request to verify your identity during online transactions.

    Want to Pay With Confidence? Order your card:👇

    For existing NowNow customers, follow these easy steps

    ✨Tap the menu button on the top left of your app
    ✨ Select Card and it lands on the virtual card screen
    ✨Swipe virtual card image to the left to see “Get a Physical Card’’
    ✨Tap “Order a Physical Card” button
    ✨Enter your NowNow app 4-digit PIN
    ✨ Enter 4 digit OTP sent to your phone number
    ✨Specify your address
    ✨Confirm your address
    ✨ Click on Order a Physical Card
    ✨Card Successfully Ordered
    Congratulations! Your NowNow card is on its way to your doorstep!

    If you’re not a customer already, Download the NowNow app on Ios or Android to get started! Don’t wait around though, there’s only a limited time for free shipping.

  • 6 Ways To Save Money on Groceries or Foodstuff

    6 Ways To Save Money on Groceries or Foodstuff

    The National Bureau of Statistics (NBS) report in December 2022, places food inflation at 23.75 percent. The cost of food prices is persistently going high.  This means you will need to employ smart shopping strategies to save money on groceries- especially if your paycheck (probably) remains the same.   

    If you want to achieve your financial resolutions in 2023, you might want to cut down on how much you spend on groceries. Here are some tips to help you save money on foodstuff

    1. Cut Out What You Can

    Stocking varieties that do almost the same thing makes you spend more. 

    Instead of stocking margarine, jam, peanut butter and so on, reduce it to one or two options. The same thing goes for drinks. Cut down on carbonated drinks, processed juices, and beer. Instead drink more water. With the shockingly high prices of foodstuff, now might be the best time to figure out what you can cut off completely.

    2. Don’t Go Shopping Without A List

    Now is not the time to go shopping without a list. Take inventory of what is in your fridge or storeroom before heading out to go shopping. Write a list of what you need to buy, the quantity and stick to your list when you go shopping.

    3. Buy In Bulk When You Find Deals

    Once you come across items like meat, fish, egg or foodstuff on discounts, don’t hesitate to buy in bulk. For instance, if you love eating rice, then it makes sense to buy a bag of rice. Just remember to be careful to only stock up on non-perishable items or those that you can refrigerate 

    4. Shop on a Budget 

    When shopping for groceries, it’s important to have a list. To help you stick to your budget, use a debit card like the NowNow debit card, which allows you to set a transaction limit on how much you can spend. This way, you won’t go overboard with your spending.

    5. Consider Cooking With Groceries in Season 

    Most food items have a season. For example, if you buy plantain when it’s in season, it will be cheaper and you can make different meal recipes from it. The same thing goes for vegetables and fruits.

    6. Switch Brands

    Big brands are good but most times they cost more. Instead of buying the known names for condiments or other ingredients, buy generic names. This also applies to shopping in big supermarkets that are not pocket friendly, except they offer discounts and cashback. Rather, stick to local markets or stores that can give you the most out of your money.

    7. Don’t Shop On An Empty Stomach 

    This is very great advice. Eating before going to buy food will reduce the tendency to buy on impulse or buy things that you do not need. 

    Finally, doing a single one of these tips may not help you save much but making deliberate changes to what you eat, how and where you shop for groceries, can help you save money on groceries and attain your financial resolutions

  • Introducing MyBiz by NowNow for Merchants and their Businesses

    Introducing MyBiz by NowNow for Merchants and their Businesses

    For the past months, we’ve been working hard and smart (winks) to make the NowNow Agent platform bigger and better. Today, the platform has now been revamped to give better value proposition for Merchants to manage their businesses without stress and delay. The NowNow Agent platform is now known as MyBiz by NowNow. 

    MyBiz is a business tool powered by NowNow that makes it easy for you to run your business in a box. Well, we don’t really mean a box but through your smartphone. .

    The impact of this new change is significant and we want to make the process as seamless as possible for both our new and existing users.

    The new improvements on the MyBiz platform cater to three categories of business owners:

    • Agent
    • Merchant 
    • Agent + Merchant 

    As a Cash-In Cash-Out Agent, you can process financial transactions on behalf of customers in your neighborhood. These include making transfers and withdrawals, accepting deposits, recharging airtime (MTN, Airtel, Glo, 9mobile) and data, paying bills like electricity, WAEC, Internet data, and TV subscriptions. 

    In return, you get rewarded by earning attractive commissions, quick settlements, cashback and bonuses for transacting on MyBiz platform. 

    Now here is where the true value proposition lies. As a cash in cash out Agent, you can also be a Merchant and sell online and offline on the go. Not just that, you also get a POS device that you can use to accept payments from your customers. You can sell Fashion and Beauty products; Consumer Electronics; Home Appliances; Food & Groceries.

    Benefits Of MyBiz by NowNow To Your Business

    • Create a merchant wallet in 5 minutes 
    • Accept multiple payment options (mPOS, POS, (NIP) Transfers, NFC (Tap & Pay), Payment links and QR code)
    • Receive instant notifications on sales
    • Manage customers and get business insights 

    We are also looking to add more features in the future where merchants can sell their products and services online to thousands of customers  searching for your products and services at zero subscription fees.

    Additionally, MyBiz is more user-friendly, intuitive and secure. We are confident that with this revamping relaunch, MyBiz by NowNow will be the go-to platform for business owners looking to  securely manage their business from a mobile phone and offer multiple digital cash payment acceptance options , thereby meeting the demands of a cashless society. 

  • How to Check Transaction History on NowNow Wallet

    How to Check Transaction History on NowNow Wallet

    The new new way to bank is about you being a boss, in full control of your money. But to be a Boss, you must keep track of where and how much money you spend daily.  In this post, we will show you how easy it is to view your transaction history on NowNow wallet.

    How to Check Transaction History on NowNow wallet.

    • Login to the NowNow app on your mobile device
    • On the home screen, tap the menu bar, click on Transaction History 
    • Enter your PIN
    • Scroll down to find your entire transaction history
    • You can click on any particular transaction to check status of transactions (whether successful or not), transaction time, amount, and so on.
    • You can also share the details of any particular transaction by clicking on the ‘Share’ option on the top right corner of this screen.

    Bottom Line

    Staying on top of your budget is easy when you understand how and where your money is going. Luckily, NowNow gives you the insights you need to monitor your daily spending and reach your financial goals-all from your mobile phone.

    Download and register on the NowNow app today. Signup in 5 mins and discover a new way of banking that suits your lifestyle.

  • Viewing your NowNow Debit Card Details Is Super Easy

    Viewing your NowNow Debit Card Details Is Super Easy

    Have you ever wondered why the NowNow Debit Card is not visible on the card? If you guessed security reasons — you got it right. While we are all for convenience, we also believe in security. They are inseparable companions, especially when it comes to managing your finances. Let’s show you how easy it is to view your card details. 

    Before we delve into the “how,” let’s talk about why. Why is essential to be able to view your NowNow Debit Card detail? Simple, because, your debit card is your key to online shopping to even bill payments. So, it’s essential to know your card details is security. Now, let’s get started on how to view your card details.

    Key Takeaways 

    • The NowNow Debit Card prioritizes security by not displaying card numbers on the physical card.
    • Your 16-digit card numbers are accessible through the NowNow mobile app.
    • The hidden card number provides a secure online shopping experience.

     

    Where To Find Your 16-Digit Number?

    Your unique card number is tucked away safely on your virtual card– which is on your NowNow mobile wallet. For example, it makes it easy to use your card details for online transactions without any worries about security breaches.

    How To View You NowNow Debit Card Number?

    To access your card details, follow these simple steps:

    Step 1: Log into your NowNow app.

    Step 2: Click the hamburger button at the top left corner.

    Step 3: Select “Cards.”

    Step 4: Flip the card up to reveal your card details.

    Step 5: Enter your 4-digit mPIN and tap the arrow to confirm.

    There you have it, your card details right at your fingertips, ready to be used for secure online transactions.  Additionally, NowNow contactless debit card provides a convenient and safe way to make payments anywhere, anytime. Equally important, this extra layer of security ensures your financial transactions is safe and protected.

    Bottomline

    Finally, pay with confidence the next time you want to shop online. Rest easy knowing NowNow card has your back. Simply follow the steps above to access your card details whenever you need them and enjoy a worry-free online shopping experience. 

  • 10 Habits To Achieving Your Financial Resolutions In 2024

    10 Habits To Achieving Your Financial Resolutions In 2024

    The beginning of the new year is a great time to add some financial resolutions to your routine list of resolutions. Why financial resolutions you may ask? Because making and achieving them can make a difference in your personal finances in 2023.

    Certified Financial Planner Board of Standards, Inc. (CFP Board) survey shows only 35% of American adults have a written financial plan. This means that the majority of Americans do not have a clear idea of their financial goals, nor do they know how to achieve them, or what steps they need to take to reach them. If you want to have a great financial year, then there are some habits to financial goals to consider this year.

    10 Habits To A Having A Successful Financial Resolutions In 2024

    1. Review Your Finances 

    Go through your financial statements from last year and see what you did right last year (victories) and the mistakes (misfalls) you made from last year.  This will help you plan better for this year.

    2. Write Down Your Financial Resolutions

    Want to buy a car this year? Travel outside the country? Be free from debt? Start an emergency fund. Whatever your goal is this year, write it down. Adding the reason why you want to achieve the goal will act as an added motivation  

    3. Creating a Budget

    The next stage is to start by understanding how much you earn. Then take note of how much regular expenses like food, fuel, transportation, electricity school fees, data subscription and other monthly expenses costs. This will help you to know how much comes in and how you spend your money each month.

    4. Save Something Every Month

    Since you now know where your money goes, the next step is to evaluate how you spend your money and look for areas to save. Regardless of the amount, try to save something every month. Do you order food every day? Cook more at home. Shopping at the right places can help save money on foodstuff.   Do you spend so much on data subscriptions? Try to take a hobby so you spend less time online. Whatever it is, you may need to change some of your spending habits to achieve this. 

    Just in case you haven’t been saving before, now is the time to start. 

    5. Pay Yourself First.

    Start by paying yourself first because if you pay yourself last, chances are you won’t pay yourself once you have settled other expenses. You can pay yourself by putting money into savings, emergency funds or retirement accounts.

    Another way to pay yourself is by investing and reinvesting. Setup investments account for different goals like saving to buy a house, and early retirement. Investment can also be in buying gold, stocks, lands and other things that will yield returns over time.

    6. Pay Fast, Buy Slow

    One way to achieve your goals this year is to live by a simple rule ‘‘pay fast and buy slow’’. Be fast in paying crucial bills like rent, light, transportation, feeding and so on. This will help you know exactly how much money you have left. Then the ‘’slow’’ here means to minimize impulse buying. Have a pause period on when you first thought of buying something and when you actually buy it.

    7. Have An Accountability Partner

    To make sure you stay on track this year, get someone to hold you accountable for your finances. It could be a friend, loved one or colleague that will keep track of your progress in achieving your financial goal. It could also be in the form of helping you reduce the number of times you order out or go shopping. 

    8. Have Multiple Ways To Make Money

    Sometimes, cutting down on spending just won’t cut it- you need to expand your streams of income. For instance, starting a side hustle like freelance writing or a POS business can be a great way to have more money to save, pay debts or even help pay for daily expenses.

    9. Improve Your Financial Score

    One way to have financial freedom and meet up with your resolutions is to be free from debt. If you cannot be completely free from debts, then try to improve your financial score. Pay your loans on time, whether it’s collected from friends or financial institutions. Take control of how much money you owe and work towards paying it off.  

    10. Educate Yourself on Financial Literacy

    Learning more on financial literacy this year is one of the best investments you can make for yourself this year. It could be as simple as taking a class or course on how best to manage your money on budgeting, savings, retirement, etc. This will not only help you to achieve your financial goal this year but in years to come.

    What other tips do you use or think we should add?

  • How to Build Trust With Customers

    How to Build Trust With Customers

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    Building a longstanding relationship, whether professional or personal, hinges on trust. Trust, a product of time and nurturing, doesn’t come without effort, often presenting a herculean task. However, it is achievable. When misunderstandings and errors are addressed meekly and ethically, trust begins to take root.

    Key Takeaways

    • Build trust through respectful interactions, acknowledging customers’ time, resources, and finances.
    • Actively seek and utilize customer feedback to  improve customer satisfaction.
    • Go above and beyond exceed customer service
    • Practice active listening to understand customers’ words and create a comfortable environment.

    How to Build Trust with Clients/Customers

    To cultivate trust with customers, it’s crucial to set aside the purely transactional aspects and create an environment where they feel genuinely comfortable. The rewards of such a relationship can extend beyond a singular sale. A trust-based relationship not only fosters long-term business but also opens avenues for valuable recommendations. If you’re wondering how to establish a long lasting relationship with your customers or seeking effective ways to build trust, let us guide you through it.

    4 Ways To Build Trust With Your Customers Quickly

    1. Respect Your Customers

    If treated with respect, chances that your customers will reciprocate it,  Respect can be shown in various ways. For instance, being respectful of their time, their resources or finances, proper communication, feedback, etc.

    In view of this, during interactions with clients, be sure to address them properly, ensure your tone is genuine.  Also, some of your customers may not be fully grounded in your subject matter, hence, explain things clearly and in simple terms.

    see also: 4 ways to improve your financial status

    2. Ask for Feedback

    Business requires a great deal of hand-holding.  A way to ensure you are doing things right is by encouraging feedback. Actively seek feedback to understand how well you’re meeting your customers’ needs. Additionally, use constructive criticism as a tool for improvement, showcasing your commitment to their satisfaction. In other words, building trust with your clients or customers come naturally when they have a place to voice their opinions.

    3. Great Customer Service

    Beyond following to best practices, go the extra mile to exceed customer expectations. Great customer service means following best practices like valuing customers’ time, having a pleasant attitude, and providing knowledgeable and resourceful resources, but that you also take things a step further to exceed — rather than just meet — expectations.

    4. Listen to your customers

    Active listening plays a big role in effective communication because if no one is listening then communication can never be effective. We hear words and then try to understand the underlying meaning of words that is the time we start listening. listening is very different from hearing. Sometimes customers just need to be heard, so be sure to listen actively to what they have to say. By listening attentively, you can understand exactly what your customer needs from you.

    Bottom Line

    In conclusion, building trust with customers doesn’t come easy, but with the right gameplan, it is doable.

    How to become a NowNow Agent in 4 ways! 

     

     

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    Download the NowNow app today to enjoy the New New way to bank

    Available On

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