I'm going to be MIA for a few hours. I'm on my way to the US
with my parents. They made them Chief and Lolo in our village and I
wanted to take them abroad to spoil them a little...:-) (My dad's first
time). Anyway, while I'm flying, I wanted to share a story that I've
been meaning to share here for a while now...about why I decided to
help some young ladies with start up capital for their small scale businesses. Please
continue to read! (It's quite long o, so...-))
Before I became the popular blogger that I am today, I was a struggling
entrepreneur. I started my modeling career in 1998 before I turned 18
and started my company Blackdove Communications in 2004 when I was just
23+. Blackdove was a modeling agency/events company and I operated from a
2-room office in Jibowu, Yaba for almost three years.
In 2006, I decided to try something that I'd always wanted to do -
become a magazine publisher. My dream growing up was to be a journalist.
These days many people argue whether I am a journalist or not. I don't
consider myself one. I'm a blogger, though being a journalist was my
dream. In fact, I wanted to study Mass Communications in the university
but I unfortunately didn't get it. I got English instead. But I've
always had a love for writing, putting stuff together, informing people
about what's going on etc.
In in 2006, I mustered the courage and saved enough money to publish my
own magazine. It was called FM&B (Fashion, Modeling and Beauty)
magazine because that was my industry at the time.
For my first edition, I used my photo (duh...lol) left. It took me
months to put this together and I used money I made from my business to
print the magazine. I did a grand launch and really hoped for the best.
After it was released, I didn't recoup the money I'd spent on it but I
knew I couldn't become a successful magazine publisher over night. I
knew the road was long and hard and I had to keep at it, I knew I had to
print more editions before people and sponsors could take me serious.
Anyway, I printed my second edition (right) and didn't recoup either.
The vendors will take the magazine and not pay you. Some would claim
they didn't sell...some, you would chase for your money for so long
you'd get tired of chasing them and then you leave them alone. And it
was especially hard to get adverts for a new magazine. I would go to
companies and sit in their offices for hours, hoping they would buy
advertising space in the magazine, but for where? Lol. I remember I
offered a telecoms company my back page and inner pages for N100k but
they were not interested ...lol. (now, na them they chase me with
adverts...lol).
But I managed to get a few companies to advertise (I talked about it
here in 2008 and later in
2009)
- it took months of being on the road - going from one company to the
other, convincing them to support the effort - still it wasn't enough to
print the next edition so I had to once again use my own money to print
the magazine. It was tough but I didn't want to give up. I wanted to
succeed by all means and I knew consistency was the key. I figured by
the time I was on my fifth edition, some companies would take me
seriously and start to advertise and by the time I was on my 10th
edition, I would be a well known magazine publisher like my mentor back
then, Mrs Betty Irabor of Genevieve magazine. So 10 editions of the
magazine was my goal - but I didn't go past the 4th edition - though I
paid part payment for the 5th edition but it never came out.
Something happened with my 4th and last edition (right) that almost broke me...and that inspired 'I'd Rather Be Selfmade.'
You see, right from when I was young, sleeping with men for money/come
up was never an option for me. In fact, I found girls who engaged in
such back then, disgusting. Now that I am more mature, I kinda
understand it, I don't condone it but I understand it and I am not so
quick to judge these girls. That's why I'm trying to help girls with
dreams instead of condemning girls who find different ways to survive.
It's tough out there, guys!
Anyway, for my 4th edition, I didn't have enough money to print it...and
I was so sad about it. The magazine was ready but no money to print. It
was going to cost me N500k back in 2008 to print 2,000 copies and all I
had with me was N150k. I needed N350k and I was determined to print
this magazine. I wanted it to succeed by all means so I decided to do
something I'd never done before. I went to the bank to get a loan.
There was a neighbor of mine back then who I found out was the chairman
of a community bank on Ogunlana Drive Surulere (all community banks have
since shut down). So I approached him for a loan ...N350k, the exact
extra amount I needed to print the magazine. I promised that I would pay
back once the magazine was published and I was able to get ad money
out. This was in 2008. After weeks of going back and forth and the bank
staff coming to my office in Surulere then to see where I was operating
from, I was given a loan of N350k. They actually made out the cheque to
the printing press so the money didn't come directly to me. It was a
short loan - just three months - and I was supposed to pay back with
interest and I was so sure that I would pay back - I had three months
and I was a hard working girl, I believed I could do it. But you see,
sometimes, life does what life is supposed to do - it happens! With no
questions...life just happens.
For some weird reason, I was only able to pay back N100k after the three
months deadline. By now I was owing close to N400k including interest. I
asked them for more time, and they gave me time ..and I managed to pay
another N150k or so after a few months. After then, I became stuck.
My business wasn't going well...and for months I was struggling. The
guys from the bank came to my office and told me I had a month to pay up
or they would have to do what they usually do get their debtors to pay,
that the reason they hadn't done it up until then was because of my
neighbour relationship with their chairman. I promised I was going to
pay and a week or so later, I was able to pay another N30k.
And then very early one Monday morning, sometime in 2009, my younger
sister, who used to work with me at Blackdove, Sandra, quietly entered
my room and told me that some men were looking for me, that they were at
the door and that she'd seen them talking with the bank chairman. She
said she suspected that they were police men.
If I tried to describe to you how I felt at that moment, I wouldn't be
able. I stopped breathing for at least 3 seconds. I told her not to let
my parents or any other member of our family know the men were outside
(Only she knew about the loan and actually went with me to get it). I
found something to wear and went to meet the men outside. To be honest, I
was hoping they were from the bank and not police men but when they
introduced themselves to me (three of them) I froze. They said they were
men from the Special Fraud Unit, Ikoyi, and they had been sent to bring
me to their office to answer for a loan I took from a community bank
and refused to pay back. I was going to ride in their marked anti-fraud
unit car - sandwiched between two men.
I didn't want my parents to know what was going on (it would have killed
my mum) so I quickly went back in, put on more appropriate clothes,
told Sandra to follow their car in my car so she would go with me to
their office. I remember sitting in that vehicle as they took me to
their office in Ikoyi, and wondering how I got to that point. It was
like a nightmare. I couldn't believe it was happening. I got to their
office and they made me sit down in front an officer who was handling
the case. (Sandra was allowed in but she was sitting in another area.).
The officer brought out my case file, and said I was owing the bank
N190k for almost a year and I wasn't going to leave their custody until
the money was made available. You know, I've had bad days in my life...I
mean, who hasn't? But up until that point, I'd never felt worse in my
life. Nothing I'd ever experienced up until that day, sitting in front
of this man, and beside other offenders/debtors, was anything close to
this. Nothing! Even now, I can't even express how I felt that day, what
was going through my mind. I felt like a failure. I remember my eyes
welled up, because I knew I didn't have N190k and I didn't know anyone
who could loan me. I started to explain to the officer, then I began to
beg...and I talked and talked and then I began to cry. I couldn't
believe the situation I was in. I knew it would break my parents hearts
if they found out where I was.
I remember Sandra just sitting there and looking at me...and trying to
be strong. She was broken to see me so broken but she kept it together.
She started calling people, asking for a loan, I heard her from where I
was sitting, calling friends and asking if they could loan her money. No
luck. We were there for hours, eventually the officer came to me and
said they'd decided to be lenient, that they would give me a month to
pay the N190k back to the bank and failure to do so would be automatic
arrest and I would not be released until the money was paid. They gave
me a form to sign but said I needed a surety and without a surety I
would not be released that day. I called a friend who came and signed
for me. The officers told him they were releasing me to him and would
also pick him up if I failed to pay up. Fortunately he agreed and that
was how I was released. I was there from morning till evening and those
hours were some of the worst hours of my life. Thankfully, other members
of my family didn't immediately know this happened to me. (They found
out months later).
But fortunately I recovered quickly. I knew there was no time to mourn. I
had just one month to raise N190k or myself and my surety would be
picked up and locked up.
Today, I have shoes that cost more than N190k, but back then, that was a
lot of money to me...and I didn't have it. So for the next two weeks, I
put myself on the road. I started chasing all the agencies owing me
money. I ran up, down, to a hole, up a ladder and every where in between
and finally raised the money which I paid back to the bank. It was an
ordeal but it was finally over!
Months later, I raised some more money to print my 5th edition (above).
The content was finished but once again, I didn't have enough money to
print it. I had only N200k and I needed N500k. I wasn't ready to give up
on this dream. No way! But of course I wasn't going to go to a bank
again..lesson learned there...lol. So instead I turned to the printers. I
told them I had only N200k and would pay them the balance of N300k when
the magazine was out. One printer agreed, took my money and half way
into the job told me he couldn't go further without any more money. He
basically held me to ransom. I pleaded and threatened for months and
they wouldn't budge, wouldn't print without more money and one day I was
like, 'you know what?' I give up! I'm done!' I told them to keep the
money and the magazine, that I was done. I was just tired of it all. And
that was the end of that dream.
Then I decided to face another business idea. I wanted to start a
fashion, modeling and beauty school. This time I went to real banks (not
community banks..lol). None, not even one looked at my business
proposal. I was hoping to get N1million to start this business, but no
bank was even willing to talk to me. After months of chasing this idea,
looking for money etc, I also gave up on it and moved to the next thing!
A few months later, I shut down my office (after my landlady increased
my rent - I could not afford to pay it). I gave out some of my office
equipment, sold some and packed the rest of my things and went home. I
was going to continue operating my business from home.
This was in 2010. I turned 30 that year and I remember having the worst
day of my life - so far - on my 30th birthday. I'd lost my office, I'd
given up on my magazine dream. My other businesses weren't doing well.
I'd been hustling since I was 17 and I thought that by now I would have
made it, but here I was at 30, losing it all (or so I thought) and
starting all over again.
But you see, in all of it, no matter how bad a day I had, no matter how
tough it was, no matter the other dreams I gave up on, there was
something I never stopped doing, I never stopped blogging. I would cry,
wipe my tears, pick up my laptop and blog. If I didn't have internet at
home, I would go to a cybercafe, pay for time and blog there. This
work/passion ultimately changed my life.
Sometime in 2012, when I'd started making money from blogging, a young
lady talked to me about her struggles. She needed just N85k to start a
nail and eye lash studio. She had someone who was willing to give her
space to operate from, but she needed money for other equipment needed
for the business. She told me that N85k would change her life and that
of her family. She wasn't even asking me for the money, she was just
talking about her struggles and how hard it's been for her to raise
capital. She mentioned she'd approached a bank for a loan and no bank
was willing to give her. She said she didn't know how else she'd get the
money but sugar daddy wasn't an option. I remember smiling and I made
the decision right there and then to give her the money for her
business.
I remembered my life as a struggling entrepreneur, getting picked up by
the Anti-Fraud Unit over N190k. I remembered how much help I needed and
how little I got. How nobody could really help because they had their
own issues and struggles. I remembered my dark days. I remembered all
the people I begged to help me, to believe in me, to believe in my
dreams. I remembered all the doors that were shut in my face. All the
office receptions I sat in for hours. All the Nos I heard. All those who
turned their backs. And how sometimes, I just wanted to give up. And I
knew there were plenty girls like me out there, with ambition, with
dreams, with fire burning in their soul...but who can't get far because
they have no one to help, not just with money but also with words. And I
made up my mind that day, that whenever I get to a position where I
could help other young ladies with dreams and aspirations, I would help.
Because I've been through it myself, I know how difficult it is to
start or run a business in this country. That's why I want to focus on
young ladies with dreams and good business ideas.
So far, I've touched 15 lives (see
here)...I
hope in my lifetime, that I am able to touch thousands more. God
willing. This is the project I've decided to take up. For as long as I
remember my over 8-hour ordeal at the Special Fraud unit in Ikoyi, I
will always be here to help a female entrepreneur - if not with money,
then with advice and guidance.
I struggled o. I used to do an annual fashion show called Style Night. I did it from 2004 to 2010. (see some pics
here, and
here here).
I also tried to do a reality show called Nigeria's top model search
with Linda Ikeji...no sponsor. I give up...lol. Catwalk with Linda TV
show..no sponsor, I give up! Lol
In 2010, I wrote an inspirational book titled 'It Takes You' to
encourage people not to give up on their dreams. I spent a lot of money
to get this published because being an author was one of my dreams and I
was determined to realize that dream. I made it come through!...:-)
I was still working on my dreams when companies started asking me for
advert rates for my blog. I created my ad rate in early 2011 and my life
hasn't been the same since. I left everything else and concentrated on
this. Sandra is now the CEO of Blackdove...:-)
Sandra and I pictured above (She worked with me at Blackdove from 2004
when I started until 2011 when she took over the company. She was my
rock for years! I doubt I love anyone more. She's older than my other
sister you all know, Laura. )
The assets of President Buhari and Vice President Yemi Osinbajo have
finally been disclosed. Below is a press statement from the presidency.
“Documents submitted by President Muhammadu Buhari to the Code of
Conduct Bureau (CCB), show that the retired General has indeed been
living an austere and Spartan lifestyle, contrary to what many might
expect of a former Head of State of Nigeria and one who has held a
number of top government positions, such as governor, Minister of
petroleum and the head of the Petroleum Development Trust Fund (PTDF).
“The documents submitted to the CCB, which officials
say are still being vetted and will soon be made public, show that
prior to being sworn in on
May 29,
President Buhari had less than N30 million to his name. He also had
only one bank account, with the Union Bank. President Buhari had no
foreign account, no factory and no enterprises. He also had no
registered company and no oil wells.
“The Vice President, Professor Yemi Osinbajo (SAN) who had been a
successful lawyer before his foray into politics declared a bank balance
of about N94 million and 900,000 United States Dollars in his bank
accounts.
“President Buhari declared however that he had shares in Berger Paints, Union Bank and Skye Bank.
“This is entirely unlike what one might expect from a former head of state of a country like Nigeria.
“The documents also revealed that President Buhari had a total of five
homes, and two mud houses in Daura. He had two homes in Kaduna, one
each in Kano, Daura and in Abuja. One of the mud houses in Daura was
inherited from his late older sister, another from his late father. He
borrowed money from the old Barclays Bank to build two of his homes.
“President Buhari also has two undeveloped plots of land, one in Kano
and the other in Port Harcourt. He is still trying to trace the
location of the Port Harcourt land.
“In addition to the homes in Daura, he has farms, an orchard and a
ranch. The total number of his holdings in the farm include 270 heads of
cattle, 25 sheep, five horses, a variety of birds and a number of
economic trees.
“The documents also showed that the retired General uses a number of
cars, two of which he bought from his savings and the others supplied to
him by the federal government in his capacity as former Head of State.
The rest were donated to him by well-wishers after his jeep was damaged
in a Boko Haram bomb attack on his convoy in July 2014.
“As revealed by the same forms, highlights of the Vice-President,
Professor Yemi Osinbajo’s asset declaration include his 4-bedroom
residence at Victoria Garden City, Lagos and a 3-bedroom flat at 2
Mosley Road, Ikoyi. The Vice President also has a 2-bedroom flat at the
popular Redemption Camp along Lagos-Ibadan Expressway and a 2-bedroom
mortgaged property in Bedford, England. Aside from these, the Vice
President has no other landed properties on the form.
“Apart from his
law firm, known as SimmonsCooper, the Vice-President also declared
shareholding in six private companies based in Lagos, including
Octogenerium Ltd., Windsor Grant Ltd., Tarapolsa, Vistorion Ltd., Aviva
Ltd. and MTN Nigeria.
“According to details shown on the form, the Vice-President has about
ninety four million naira, nine hundred thousand US dollars and
nineteen thousand pounds in Nigerian Banks with the foreign currencies
kept in local domiciliary accounts. His personal vehicles are one
Infinity 4-Wheel Drive SUV, one Mercedes Benz and a Prado Jeep.
“As soon as the CCB is through with the process, the documents will be
released to the Nigerian public and people can see for themselves.”
Signed :
Garba Shehu
Senior Special Assistant to the President (Media and Publicity)
Anyway, I plan to do all I can to help as many young women as I can. I'm
using my money for now but I would eventually talk to rich people and
corporate bodies to get involved and raise as much as it's possible as
start-up capital for young female entrepreneurs. Too many unemployed
individuals in this country. Let's start creating jobs instead of always
looking for one. Plus I don't want anti-fraud people coming to knock on
your door...lol.. or you turning to men. I hope all your dreams come
true...and I hope no matter how tough it gets, you never give up.
I will catch you guys later. For now, let me take this new Chief and his
Lolo to America to spoil them a little. Lol. Kisses. Catch you soon!
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