I am strangely one of those people who really enjoys working out. I love the rush it gives me …..on the days I actually do workout. There are numerous articles telling us the benefits of working out including benefits to our skin. When you exercise, you sweat and blood flow increases, carrying oxygen, nutrients (and waste) through the body so if you fail to cleanse properly you may be inviting problems for your skin.

Before your workout

  • I know you want to look really pretty on the treadmill but please take off your make up before you start exercising. All that sweat and make up may clog your pores. You can use a light mist for hydration
  • When running outdoors, don’t forget to wear SPF and try to get your run in before 10am or after 4pm. If in cold climates, apply a light moisturizer or facial oil as well.
  • At your local gym, take along antibacterial wipes to wipe down the machines and benches before you use them as you may be transferring someone’s dried up sweat to your face!

During your workout

  • Have a clean face towel to wipe sweat off your face.
  • Drink water during your workout
  • Put your hair in a ponytail or high bun or better still wear a headband (don’t forget to take it off immediately after you finish your workout.

After your workout

  • Wash your face immediately after your workout. If it isn’t convenient to do so at your gym, have a travel sized micellar water and cotton pads in your gym bag or worst case, face wipes and ensure you finish your full night routine as soon as you get home.

I hope these tips help you especially if you are still working on your summer bod


Till next time


Olabisi is a Medical Doctor and Skincare Blogger based in Lagos. When she is not busy working with vulnerable women and children, she is writing blog posts on www.thatgeminigirl.com.

You can find her:

Instagram @that.geminigirl

Twitter: @geminigirl03

Email: olabisi@thatgeminigirl.com 

We’ve gone P?NK for Breast Cancer Awareness Month.

We would LOVE for every single one you to join in, which is why we’ve collaborated with some of the best Nail Techs/Salons to offer deals/discounts off Pink Manicures:
@kennysnailbar , @michaels_nails , @thenailboutiqueng & @anneeliserealhair
We’ve also partnered with The Painted Nail to offer 20% off all pink polishes retailed on their site. This is for our all you guys who prefer to paint their nails themselves. So we’ve got EVERYONE covered. Let’s all lend our hands (voices) to Breast Cancer Awareness Month. Who’s in?






Manicure: Kenny’s Nail Bar

Location: 9B Emma Abimbola Cole Street, off Admiralty Way, Lekki Phase 1, Lagos.

Service: Nail Art Manicure



As part of our #BiLPinktober, BiL Readers get 20% off Pink Manicures at Michael’s Nails all week! Simply quote ‘BiL’.


We’ve gone P?NK for Breast Cancer Awareness Month.

We would LOVE for every single one you to join in, which is why we’ve collaborated with some of the best Nail Techs/Salons to offer deals/discounts off Pink Manicures:
@kennysnailbar , @michaels_nails , @thenailboutiqueng & @anneeliserealhair
We’ve also partnered with The Painted Nail to offer 20% off all pink polishes retailed on their site. This is for our all you guys who prefer to paint their nails themselves. So we’ve got EVERYONE covered. Let’s all lend our hands (voices) to Breast Cancer Awareness Month. Who’s in?







Manicure: Kenny’s Nail Bar

Location: Plot 14B Adebayo Doherty Street, off Admiralty Way, Lekki Phase 1, Lagos.

Service: Nail Art Manicure

Price: N6,000



As part of our #BiLPinktober, BiL Readers get 20% off Pink Gel Manicures at Kenny’s Nail Bar the entire month of October. Simply quote ‘BiL’.


If you thought you’d missed out on our Beauty Discount Week, you didnt! We still have a lot of Deals valid through till mid-October. Including this relaxing Swedish Massage + Mini Facial deals with Oriki!

Checkout the BeautyClubNG platoform to browse even more deals: BeautyClubNG



Click to shop this deal: Swedish Massage + Mini Facial

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BeautyClubNG subscribers will always receive the links to purchase voucher deals first, before it is shared here on the site and social media. Vouchers are very limited, so make sure you’re subscribed, if you aren’t already.


An Entrepreneur earning a steady income from their business(es), is a sign of sustainable growth and success. Unfortunately not a lot of Entrepreneurs know this, most people believe that once they step into the world of entrepreneurship, salaries become a thing of the past.

As an Entrepreneur one of the crucial ways to monitor if your business is growing or successful is when you are able to put yourself on the payroll.

So at what point does an entrepreneur start earning a constant salary? The business’ ‘Break-Even Point’ is the key determining factor.

“The Break-Even Point is the production level where

Total Revenue = Total Expenses.”

Basically in layman terms, this means when the money coming into your business is enough to cover all the costs associated with running the business; essentially the business is running itself. Until you achieve this benchmark, you have no business putting yourself on a fixed salary. There has to be discipline on the part of the Entrepreneur not to touch their business’ earnings till the business can cover its costs of production.


The second key factor is to identify ‘Indirect Costs’ associated with running your business. These are usually things most Entrepreneurs overlook and consider as their own personal costs, it is crucial that all Indirect Costs be identified and captured, otherwise you will, unknowingly, be running your business out of your own pocket. Indirect costs are usually things like petrol in your car/transportation costs if you’re an Entreprenuer that moves around (e.g. MakeUp Artist, Nail Tech, etc.) or if you’re a Influencer: data, editing software, phone credit etc are indirect costs. For more about Direct/Indirect see my previous post here, where I explained how to determine the direct & indirect costs in your businesses. It’s a MUST READ!


Once you determine your indirect costs, you realize that it takes a huge burden off you, these then become part of the costs & expenses that contribute to production of your goods or fulfilment of services. When your business’ income can cover these costs and expense, then you may begin to consider a salary.

The next stage…..

How do you determine your salary?

First you divide your needs into the sub categories in order of priority: Healthcare, Feeding, Rent, Transportation, Bills, Pension, Grooming & Leisure.

Healthcare & Pension

There are so many options for healthcare and pension in Nigeria these days AVON, AXA MANSARD, STANBIC PENSIONS to name a few. The HMOs offer a variety of packages at very affordable premiums to cover a range of healthcare services at multiple hospitals all over Nigeria. You may decide to cover the one-off fee from your personal funds and the company will make monthly remittance to you as part of your salary earnings.


These can be remunerated monthly at your own discretion and can be as high or as low as you decide to set it.


If rent is one of your expenses or you are considering living on your own, then divide your annual rent and service charge costs(if any) by 12 months and see how much it will cost you monthly. There are a number of property websites in Nigeria now one that really caught our attention was www.fibre.com for those individuals who do not mind shared accommodation. Platforms like this create options for monthly rent payments. However if you currently have accommodation and your business is your only source of income and said business cannot bear such a cost it is advisable to table that cost until you scale.

Bills & Transportation

It is also important to calculate how much transportation and bills cost you monthly and include in your salary breakdown. Bills include phone & data costs, DSTV,gym etc. However if your business requires frequent use of your phone and constant internet, then these should be covered in your business’ costs & expenses.

Grooming & Leisure

In this area, you can calculate how much you spend on grooming yourself in a month or socialising? For example, hair appointments, going to the cinema, drinks with friends, etc. There is a reason why these are the last sub categories; they are not necessarily priorities even though the saying “all work and no play makes Jack a dull boy” is relevant. These are the luxuries you can afford to scrimp on for the first few months till you can steadily cover your other more important expenses.


Below is a salary breakdown for a female entrepreneur in her mid 20s. She recently invested in an HMO policy with premium of NGN42,000 for the year and is making a monthly remittance to her company. She has also decided to start depositing NGN100,000 annually into her pension account with plans to review upwards. She was fortunate to find a beautiful studio in Lekki via www.fibre.com. Her leisure budget is currently too high but she feels she deserves it especially since she hadn’t taken money out of the company for 8 months.

The breakdown should look something like this:


Its important to state that the sub categories listed are based on our research and client demands and can be tailored to include domestic staff salaries and other expenses. This is just a blueprint to get you on your way.

If you’re interested in learning more about MASAL Consultants “Budget & Savings” services feel free to contact us and sign up for a free consultation. (contact details below)

Muna is a finance professional and beauty enthusiast based in Lagos. She is the Principal Consultant at MASAL Consultants, a financial management firm that provides: public accounting, bookkeeping, financial planning & advisory services to SMEs, Entrepreneurs and Private Individuals.

You can find her:

Instagram @Masal.Consultants

Twitter: @MasalFinance

Email: consult@masalconsultants.com

photo source: cosmopolitan.com

We’ve all heard how great protective styles can be for our hair – they protect your hair, they help you retain length and moisture and they can give you a much needed break from your hair. Plus there are so many cute styles you can do, from box braids to two strand twists to buns. But the same styles that help your hair flourish and grow can have some unintended consequences for your hair. There are certain mistakes that people make when protective styling that can actually lead to breakage, excessive shedding, dryness and hair loss.


So to define it, a protective style is a hair style that protects your hair from the elements, physical damage and general wear and tear. The aim of these styles is to help your hair retain moisture and, therefore, retain length and potentially even gain thickness. We ALL love the convenience of getting braids or having your hair neatly woven into cornrows under your wig, knowing you won’t have to comb and detangle for the next couple of weeks but where do we cross the line into ‘destructive style’ territory? As the name suggests, a destructive style is a style that causes damage to the hair, usually in the form of breakage, excessive shedding, hair loss and even heat damage.

photo source: Instagram – Anitabrows

Here are a few tips to help you avoid a destructive style:

  • Don’t keep your protective styles in for too long – I know we all love the extra time we save in the mornings from having our hair braided up but keeping your protective style in for too long is a recipe for disaster, particularly if your hair style involves synthetic hair. The hair tends to get extremely dry and the prolonged tension on the strands can cause severe breakage – this is worsened when your hair is woven with synthetic hair because it tends to absorb a lot of the moisture in your hair as well as weighing the hair down. Of course, you know your hair best, but when it comes to box braids, I suggest a maximum of 4-6 weeks to maintain optimum hair health.
  • Don’t make your styles too tight – yes, your braids may last longer and look neater when you braid tightly or your wig may lay more nicely but it can wreak havoc on your hair, ESPECIALLY your edges. Traction alopecia (the loss of hair due to tension on the scalp) is real and VERY common – and in some cases, it can be permanent. So loosen up!
  • Remember to moisturise your hair – your protective style is not an excuse to completely forget about and neglect your hair. You still need to moisturise your hair and keep your scalp clean even with that protective style. All it takes is a spray bottle with water, your favourite leave in conditioner and a few drops of oil – spray it on a few times a week and off you go! Don’t forget to protect while you sleep – as I said in the last point, a protective style doesn’t mean you should forget all about your healthy hair care practices. You should still sleep with a satin pillowcase, scarf or bonnet regardless of the style your hair is in. This will keep your hair neat and prevent dryness.
  • Size matters – okay so this one is always up for debate but the size of your twists/braids/cornrows do matter. If you make the braids too big and the extensions are heavy, it can literally rip out strands of your hair. If your twists or braids are too small, it can cause problems for your edges. This is particularly a problem for the wig/weave-wearing ladies – try not to make those cornrows too small. It really puts a lot of pressure on your edges!


There we have it guys! Just a few tips to make sure that protective style doesn’t ruin all your progress.


Happy styling!

Tara is a hair and skincare blogger living and working in Lagos. She works a 9-5 job whilst building the business she is passionate about, Nature's Locks (a hair and skincare line of products and tools), which started out as a blog, natureslocks.to. You can find her:

I’m sure you’ve heard a ton of people talk so much about their face routine that it’s almost as if they forget that their body is also skin and should be cared for. That’s why I’ve put this piece together on how you can have naturally glowing and beautiful skin without having to turn to bleaching creams to do the magic.

1. Exfoliate. Honestly, the first guide to naturally glowing skin is exfoliation! There are many ways to exfoliate your body and you can either explore the physical or chemical route. Lately, I’ve been using viscose mittens which are quite popular among Koreans to slough off dead skin. Only recently did I get to know about dry brushing, which is an excellent way also to physically exfoliate the skin and improve blood circulation. If you’re too lazy to do any type of scrubbing at home, there are spas that offer full body scrubs. Alternatively, there are quite a number of body care products that contain AHAs/BHAs which gently removes dead skin cells to reveal smoother, brighter skin.

2. Choose products with skin brightening ingredients. I love to glow, and another thing that aids that, asides exfoliating my body, is using products with natural brightening ingredients like Turmeric, Licorice extract, Papaya, or Lemon. My favorite skin brightening ingredient is Turmeric. I usually love to have them in my body washes as turmeric also helps to fades dark spots on my body. The good thing about these lighteners is that they gradually help to fade discolorations while evening out the skin tone without making you three to four shades lighter like bleaching creams do.

3. Choose body care products with skin-loving ingredients like Shea Butter, Cocoa Butter, Aloe Vera, Cucumber, Vitamin E and plant oils. I especially love Cocoa butter and Vitamin E because they help to even out my skin tone so I reach for body butters & lotions with these two ingredients. Oils also make the skin glow so you could opt for body butters with light oils or just light body oils themselves to keep your skin glowing. I have dry skin on my body and in the colder months of the year, I always mix my body lotion with body butters to keep my skin hydrated for a longer period of time.

4. Choose hydrating bath and body care products. Truth is dull skin is not only skin that isn’t exfoliated but also skin that isn’t hydrated either. When skin is well hydrated, skin glows from within so look for body lotions and creams that contain ingredients like honey, aloe vera, hyaluronic acid, glycerin, ceramides and squalene that will help maintain your skin’s moisture levels.

5. Eat fruits and veggies! As cliché, old and over-flogged as this may sound, taking fruits and veggies will really help your skin glow from the inside out. Fruits and vegetables supply antioxidants and vitamins that help protect our skin from free radicals, help blemishes heal fast and properly and promote radiant skin. They also help to detoxify, regenerate and renew the skin from inside out.

6. Take supplement for beautiful skin; Vitamin supplements are an easy way to help your skin stay healthy and glowing. Some good vitamin supplements to take include Fish oil, which is rich in Omega-3 fatty acids which support collagen growth and promote skin moisture, Zinc and calcium which helps fight wrinkles, keep skin tight, promote cell regeneration and cell growth, evening primrose which smoothens skin, improves its elasticity, moisture and firmness, Probiotic supplements that help to reduce skin conditions like acne, rosacea and eczema to mention a few. Because of the stress associated with having to swallow many tablets, there are actually supplement tablets like well woman which combine all the essential vitamins for good skin and health in one capsule. That way you get to only take fewer tablets.

7. Exercise! Probably another cliché statement but by increasing blood flow, exercising helps nourish our skin cells with nutrients that repair damage from the sun and from environmental pollution. When we work out, our sweat carries toxins to the surface of the skin to be released. More so, exercising encourages the production of the skin’s natural oils (although in moderation) which help to grease the skin and made it plum and healthy.

8. Wear Sunscreen: Don’t be that person who would religiously wear SPF on the face but leave out their body. I can be very guilty!! Just as you protect your face, it’s also super important to protect your body from the harmful effects of the sun. It’s really common knowledge that the sun causes sun burn, wrinkles, rapid aging and makes you more predisposed to skin cancer so slather your body as well with SPF 30 or above!


Ifeoluwa is a skincare blogger with growing interests in esthetics skincare & product photography. She shares most of her knowledge on caring for acne-prone skin on www.sheisnaturallybronze.com.

You can find her:

Instagram @sheisnaturallybronze

Facebook: sheisnaturallybronze

Pinterest: sheisnaturallybronze