XTRA INSIGHT HUB

Money: The Last Taboo in Relationships Money: The Last Taboo in Relationships—Why Couples Would Rather Talk About Sex Than Finances Introduction: The Silent Financial Struggle Destroying Relationships In today's economy, where 13.7 million Americans are unemployed , financial stress has become one of the leading causes of relationship breakdowns. Yet, despite money being a major source of conflict, couples avoid discussing it more than infidelity, sex, or even past traumas . A study by Joan D. Atwood in The American Journal of Family Therapy reveals that money remains the last taboo in relationships . Couples would rather argue about household chores, parenting styles, or intimacy than confront their financial anxieties. But why? And how can couples break this cycle before it destroys their relationship? T...

The Hidden Psychology Behind Impulsive Spending The Hidden Psychology Behind Impulsive Spending: How Your Past, Friends, and Social Media Shape Your Shopping Habits Introduction: The Impulse Buying Plague It's a common habit—walking past a store, seeing an attractive item, and suddenly picking and paying for something we didn't plan to buy. Or worse, scrolling through Facebook, spotting an item, and clicking "Order Now" without a second thought. Impulse buying isn't just a bad habit; it's a psychological thing deeply rooted in our past experiences, social influences, and even in the way our brains are wired. According to a study by Charlotte Doyle at Cardiff University, nearly 50% of all consumer purchases are impulsive, contributing to rising personal debt levels in the UK, which are projected to hit a staggering £2.425 trillion in the next two years. But why do we keep making these unplanned purch...

Funding Your Bank Account with Mobile Recharge Cards Funding Your Bank Account with Mobile Recharge Cards: The Future of Financial Inclusion or a Hidden Cost? Introduction: The Rise of USSD and Mobile Recharge Cards in Nigeria In Nigeria, where over 58.3 million adults remain financially excluded, mobile technology has become a lifeline for millions. Unstructured Supplementary Service Data (USSD) banking—those quick codes like *737# or *906#—has revolutionized how people transfer money, pay bills, and even buy airtime without stepping into a bank. But what if you could do the reverse? What if, instead of using your bank balance to buy airtime, you could convert your unused mobile recharge cards into cash to fund your bank account? This isn't just a futuristic idea—it's already happening. A groundbreaking study by researchers at the University of Ilorin, Nigeria, titled ...

Nigeria's New Tax Bill 2024 Analysis EXCLUSIVE: How Nigeria's New Tax Act Will Affect Your Take-Home Pay – What You Need to Know NOW! Introduction: A Tax Storm is at the Door! Nigeria's salary earners are about to face a seismic shift in their take-home pay, as the Nigeria Tax Bill 2024 was finally signed into law by President Tinubu on Thursday, June 26, 2025. The new tax reforms aim to bring Nigeria's tax system in line with "international standards". But what does this mean for the average worker? Will you end up with more or less money in your pocket? In this exclusive analysis we break down the current personal income tax rates versus the proposed changes, revealing who wins, who loses, and by how much for various categories of salary earners along the various salary cadres. Watch: UNDERSTANDING WITHHOLDING TAX (WHT) IN NIGERIA | A Simp...