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Hi! I’m Hadija, the voice behind Hadija Finance Blog. I’m deeply passionate about helping people — especially women and young adults — make smarter money decisions, break free from financial stress, and build lasting wealth, no matter their background or income level. I started this blog because I know what it feels like to struggle with money, live paycheck to paycheck, or feel lost when it comes to saving, investing, or even just budgeting. Over time, I began learning more about personal finance, online income opportunities, smart saving habits, and financial independence — and I realized this knowledge shouldn’t be kept to myself. That’s why I created this space — to share simple, clear, and practical financial tips that actually work in real life. Whether you’re trying to save your first ₦10,000,7$,68gh pay off debt, find legit online side hustles, or understand how banking and loans work, this blog is for you. My goal is to help you take control of your money, grow it, and feel confident doing it. Let’s learn, grow, and succeed together 💸💸 😇😍

5 Legit side hustles you can start with zero capital (Ghana &Nigeria-2025)

Think you need money to make money? Think again.

In Ghana and Nigeria today, thousands of young people are earning daily without startup capital — just using their phones, skills, and creativity.

In this blog, I’ll show you 5 real side hustles you can start today even if you’re broke — no investment, no fancy tools, just determination.

✅ 1. Freelance Writing or Typing Jobs

If you’re good at English or even basic typing, you can start freelancing right now.

What You’ll Do:

• Write blog posts, emails, or edit documents

• Offer typing services for students or businesses

Where to Start:

• Upwork.com

• Fiverr.com

• Facebook groups (Search: “Remote Jobs Nigeria/Ghana”)

💡 Tip: Offer your first job cheap just to get reviews — then increase your price.

✅ 2. Affiliate Marketing (No Capital Needed)

Promote other people’s products and earn commission for each sale. You don’t need to own the product — just share the link!

Good Platforms:

• Jumia Affiliate (Ghana/Nigeria)

• Konga Affiliate (Nigeria)

• Expertnaire or Stakecut (Digital products)

What You’ll Need:

• WhatsApp, Facebook, Instagram, or a blog

• A free account on the affiliate platform

💰 Some affiliates earn ₦5,000 to ₦100,000 per week with just a phone!

✅ 3. WhatsApp TV/Status Advertising

Your WhatsApp status can make you money if you have active contacts.

How It Works:

• Grow your WhatsApp list

• Promote businesses, products, or music

• Charge ₦500–₦3,000 per advert

📱 Start by posting valuable tips (money, gossip, motivation) to attract followers.

✅ 4. Online Tutoring or Homework Help

If you’re good in subjects like Math, English, or Science — this is for you.

Where to Start:

• Offer help on WhatsApp or Telegram

• Register on Superprof.ng or Tuteria.com

• Join parent or student groups

📘 Even basic tutoring can earn you ₦2,000–₦10,000 per session!

✅ 5. Selling Digital Products

No inventory. No shipping. Just upload and sell.

Examples:

• Ebooks

• Canva templates

• Digital planners

• “How-to” guides (like “how to get loans without BVN”)

Sell On:

• Paystack Storefront

• Selar.co

• WhatsApp

✨ If you can write or design once, you can sell forever!

🔑 Final Advice

You don’t need millions to start. You just need:

• A phone

• Internet connection

• Consistency and patience

Start small. Grow daily. And soon, your side hustle might become your main income.

📩 Want help starting your hustle? Drop a comment or subscribe for my next post:

“Best Free Tools to Promote Your Side Hustle in Africa”

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