#MySubDiaries- This Lagos Content Creator Spends ₦15k/Month on Tools and Makes ₦600k
Every week, MySubShare explores how people are embracing artificial intelligence, using digital tools, and navigating an increasingly AI-powered world. From inspiring success stories to everyday struggles, unexpected discoveries, and life-changing experiences, every story offers a revealing glimpse into how technology is transforming the way we live, work, and connect.
Today, our 26-year-old Lagos creator shows us her receipts. She quit a ₦120k admin job to edit videos full-time, and now makes about ₦600k a month from brand retainers, UGC and Canva templates, all on a ₦15k tool stack. She also gets real about dollar card wahala, clients who don’t pay, and the generator petrol that keeps eating her savings.
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What’s your earliest memory of money?
My mum sold akara in front of our house in Ikorodu. Every morning before school, I counted her change for her, because she said I was “the one with sharp eyes.” I was maybe seven. She’d give me ₦20 for my trouble, and I felt like Dangote.
Love that. When did you first earn your own money?
In 200 level at LASU. I did my friends’ WAEC-style CVs and flyers on my phone with PixelLab, ₦1,500 a design. Then someone asked me to make a birthday video, and I charged ₦3,000. I didn’t even know what I was doing. I just watched YouTube tutorials till 2 a.m.
And after school?
NYSC in Oyo, then an admin job in Ikeja paying ₦120k. I hated it. I’d come back from work and edit videos for small businesses for free, just to build a portfolio. After about a year, my side gigs were bringing in close to what my salary paid. So I resigned in 2024. My mum didn’t talk to me for a week.
Omo. What does the money look like now?
On a good month, ₦600k. It’s never fixed, but it usually breaks down like this:
| Income source | Monthly (avg) |
|---|---|
| Content retainers (2 brands) | ₦300,000 |
| UGC videos & brand deals | ₦200,000 |
| Canva templates (sold on Selar) | ₦100,000 |
| Total | ₦600,000 |
The retainers are my peace of mind. One is a skincare brand in Lekki, the other a small restaurant in Surulere. I plan their content, shoot, edit and post. The UGC money depends on the month. December is mad. February is love, so brands are spending. July? Dry.
Let’s talk about the ₦15k.
LOL. People don’t believe me when I say my entire business runs on ₦14,700 a month. My stack:
- ChatGPT Plus (₦4,200): captions, scripts, content calendars, client proposals. When a brand says “send us ideas by 5pm,” it saves my life.
- Canva Pro (₦2,000): thumbnails, carousels, brand kits for my clients, and the templates I sell. Canva Pro literally pays for itself 50 times over.
- CapCut Pro (₦8,500): every video I edit. No watermark, the AI captions, the templates. Clients can tell when you use the free version.
Why ₦15k? Shouldn’t premium tools cost more?
If I paid for everything myself directly, it’d cost way more, and paying in dollars is its own wahala. My card got declined twice in one month because of the dollar limit, and CapCut locked my exports in the middle of a client project. I almost cried.
A creator friend told me about MySubShare. You join a small verified team, pay your own share in Naira by transfer, and your login shows up in your vault once payment clears. I was sceptical at first. But it’s been over a year and I’ve never missed a deadline because of a subscription.
I also just found out they have an AI Creator combo with all three of my tools for ₦12,500. I’ve been overpaying by ₦2,200 a month. Switching this weekend.
What else does the money go to?
| Monthly expense | Amount |
|---|---|
| Rent (₦1.2m/year, saved monthly) | ₦100,000 |
| Data & internet | ₦35,000 |
| Petrol for generator | ₦40,000 |
| Transport (shoots & meetings) | ₦45,000 |
| Food | ₦80,000 |
| Black tax (mum & younger brother) | ₦60,000 |
| Tools | ₦14,700 |
| Savings & investments | ₦150,000 |
| Enjoyment/random | ₦45,000 |
I save ₦150k when the month is good. When it’s bad, savings is the first thing I sacrifice, and I hate that.
Hold on. Data is ₦35k?
Uploading 4K videos in Lagos? Data is my landlord.
What do people get wrong about content creation?
That it’s just “posting.” I’m a scriptwriter, editor, designer, project manager and account officer. The ₦600k is real, but it took two years of working for free and almost giving up. Also, a lot of people quit because they think they need ₦200k worth of gear and software before they start. You don’t. I started with a Tecno phone and free apps.
What’s one financial mistake you’ve made?
Not having a contract with my first retainer client. They owed me ₦180k for two months, then disappeared. Now I take 50% upfront, no matter how nice you are on the phone.
Is there anything you want right now but can’t afford?
A Sony ZV-E10 and a proper studio light. Maybe ₦1.5m total. I’m saving for it, but generator petrol keeps fighting my savings.
How would you rate your financial happiness on a scale of 1–10?
- I’m doing better than I ever imagined at that admin desk. But I want my income to be steady, not “₦600k this month, ₦350k next month.” Getting two more retainers is my plan for 2027. Then I’ll give myself a 9.
Starting your own creator journey? You don’t need to burn your budget on dollar subscriptions. Check out MySubShare’s creator combos and pay for ChatGPT Plus, Canva Pro and CapCut Pro in Naira, from ₦9,000/month.
FAQs
How much do content creators make in Nigeria?
It varies a lot. Income usually comes from brand deals, UGC, social media retainers and digital products. Some creators earn a few thousand naira a month, and established ones earn hundreds of thousands or more.
What tools does a beginner content creator in Nigeria need?
A phone, a video editor like CapCut, a design tool like Canva, and an AI assistant like ChatGPT for scripts and captions. Start with free versions and upgrade when clients start paying.
How can I pay for CapCut Pro or Canva Pro in Nigeria without a dollar card?
Subscription-sharing platforms like MySubShare let you pay your share in Naira by bank transfer or card. On MySubShare, Canva Pro starts at ₦2,000/month and CapCut Pro at ₦8,500/month.
Is subscription sharing safe?
On MySubShare, accounts are verified and legally paid, shared in small groups, with 24/7 WhatsApp support.
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