Life is hard for many Nigerians. Almost everything is expensive these days, but most people don’t even earn enough to cover basic needs. If you have no money or connections, knowing how to make 100k a month without a job or startup capital might sound impossible.
But you probably still dream about it.
The good news is that it is indeed possible to make ₦100,000 in a month in Nigeria even if you are starting with zero naira and no job. Yes. It is absolutely possible. And you can do it.
We will show you 5 ways to make this happen.
No, we are not talking about the regular “Aspire to Maguire” stories that scammers try to sell you.
We are talking about very unique ways to make ₦100k as a broke Nigerian in today’s world.
But there’s a small catch. You have to be creative, put in the hustle, and use the resources you can find around you.
So, here are 5 realistic ways to pull it off, even if your bank account currently says “God will provide”.
Become a Local WhatsApp/Telegram Micro-Job Curator
Most people think you need skills to make money online. But what if your “skill” is simply finding opportunities and connecting people to them?
This is how to make 100k a month with your own WhatsApp or Telegram group for micro jobs.
- Create a free WhatsApp or Telegram group.
- Every day, search online for writing gigs, part-time jobs, and side hustles Nigerians can do (e.g., remote customer service, data entry, paid surveys, local events needing temporary staff).
- Share them in your group for free at first to grow your audience.
- Once you have 200+ members, offer premium access to early access job posts or exclusive gigs or short term work for ₦500–₦1,000/month.
If 150 people subscribe at ₦700 each, that’s ₦105,000/month. Your only investment is time and data.
If you don’t have money for data, you can borrow data from your internet service provider (MTN, Airtel, Glo, etc.). Or, you can borrow from a friend.
You won’t need more than 1 GB a month for this business.
Street-to-Online Arbitrage
You don’t need a shop to sell products, and you don’t need capital to start selling.
Does this seem too good to be true?
It isn’t!
Here’s how you can make money with street to online arbitrage:
- Visit local markets (e.g. Balogun, Alaba, or Mile 12, if you are in Lagos) and identify small, high-demand products (e.g., fashion accessories, phone pouches, snacks).
- Take clear photos and post them on Facebook Marketplace, Jiji, or WhatsApp status.
- When someone orders, collect payment upfront, buy the item from the market, and deliver.
Quite straightforward, isn’t it?
We advise that you start with items priced less than ₦3,000, so customers find it easy to pay immediately.
Also, offer same-day delivery in your area for extra speed.
If you sell 5 items a day with ₦1,000 profit each you’ll get ₦150,000/month. Money up!
Are you feeling motivated now?
There’s even more! Read on.
Be a Local Language Voice-over Agent
Nigerian companies, churches, NGOs, and small businesses increasingly need audio content in local languages (Yoruba, Igbo, Hausa, Pidgin) for adverts, announcements, or jingles.
If you speak any of these or other major local languages, you already have a skill you can monetize.
Seriously.
Follow these steps to make at least ₦100k a month with your language skills:
- Post on Facebook groups or community boards offering voice recording services in your native language.
- You don’t need a studio. A quiet room and a smartphone with free apps like BandLab or Lexis Audio Editor will do. You can download these apps on Google Play Store.
- Charge ₦5,000–₦15,000 per recording, depending on length.
One tip for you: if you can’t speak multiple languages, partner with friends who can and split the earnings.
If you land10 short projects at ₦10,000 each you’ll get ₦100,000.
Event-Day Hustle Partner
Every weekend in Nigeria is a festival. Think weddings, birthdays, naming ceremonies, burials. Many hosts need extra hands for just the day.
Instead of hunting for these event just so you can eat at them, you can seek them out to make money from them.
Did you catch that mindset shift?
This is how you do it:
- Offer day-labour event help (e.g. ushering, errands, decoration setup, small catering assistance, etc.) via local WhatsApp groups, Facebook community pages, or directly to event planners.
- You can do 3–4 events a week, each paying ₦5,000–₦10,000.
Now, look at this extra hack:
You can even build a small network of your friends who are unemployed. When bigger jobs come (e.g., “I need 6 people to serve food at a wedding”), you can provide your client with a team. When they pay you, you can split the money with your team after taking your share.
Makes sense, eh?
How much money can you make?
If you cater to 4 events a week and get paid an average of ₦7,500 per event, you’ll have an income of ₦120,000/month.
Neighbourhood Service Bundle Hustle
Instead of providing one small service, offer a bundle of small services for your neighbourhood in exchange for weekly or monthly payment.
Some services you can combine include:
- Filling and delivering water bottles for offices and homes
- Morning school run escort for kids
- Light cleaning/errand services for older people
- Phone charging for neighbours during power outages
This is how it might work:
- Offer all services under one “monthly plan” (e.g., ₦5,000 for unlimited errands and water refills in a month).
- Sign up customers 20 people in your area.
With 20 “subscribers” to your neighbourhood services, each paying you ₦5,000, you’ll have ₦100,000/month. And you don’t need any cash to start.
Wrapping Up…
It should be clear to you now that knowing how to make 100k a month is really you having a cheat code for exiting the state of always being broke.
But, as we noted at the beginning of this article, you must be willing to offer value people actually want.
Start on a small scale, keep your costs low, and focus on activities that bring daily cash flow.
Get going now. This is just the start of great things for you.
