Youth Counsellors' Dept.- Tlccrm

What Changed in Nigeria’s Tax System in 2026
Tabita Okodike

From January 1, 2026, Nigeria officially began using a new tax system. These changes were signed into law on June 26, 2025, and they affect how workers, freelancers, business owners, and investors pay tax. Unlike the old system that felt confusing and harsh, the 2026 tax reforms are more structured, clearer, and kinder to low-income earners and small businesses.

So what really changed? Let’s explain it with real-life style examples 👇

1. Low Earners Now Pay Little or No Tax
What changed
If you earn ₦800,000 or less in a year, you now pay ZERO personal income tax. That’s about ₦66,667 per month.

Example
Aisha, a fresh graduate, works as an admin assistant and earns *₦60,000 per month.

Before 2026, small tax deductions still came out of her salary.
From 2026 onward, no PAYE is deducted at all.
👉 Aisha keeps 100% of her salary.

2. Middle-Income Earners Pay Fairer Tax
What changed
People earning between ₦1 million and ₦10 million yearly are now taxed using clear progressive bands, with better reliefs.

Example
Kunle earns ₦5 million per year as a software support officer. With proper documentation of pension and reliefs, Kunle now takes home ₦50,000–₦100,000 more yearly.
👉 Same job, same salary — more money in his pocket.

3. Small Businesses and Side Hustles Are Protected

What changed
If your business:
- Earns ₦100 million or less per year, and
- Owns ₦250 million or less in assets
You pay:
- 0% Company Income Tax
- 0% Development Levy
- Often no VAT

Example
Tunde runs a small printing business with a turnover of ₦18 million. Under the new system, he pays no company income tax and can reinvest more into growth.

4. Big Companies Now Pay Their Fair Share
What changed
Large companies must now pay at least 15% minimum tax, regardless of incentives.

Example
MegaFoods Ltd used incentives to reduce tax heavily before. Under the new rules, government applies a top-up tax to ensure fair contribution.

5. Clear Rules on Who Pays Tax in Nigeria
Nigeria now clearly defines tax residency.
Example
Sola, who works remotely for a UK company but lives in Lagos, is now clearly considered a Nigerian tax resident.
👉 No more confusion for remote workers.

6. Small Investors Are Protected
You don’t pay Capital Gains Tax if:
- Total sales are below ₦150 million, and
- Total profit is ₦10 million or less

Example
Chioma sells shares and makes ₦4 million profit.
👉 She pays no capital gains tax.

7. Job Loss and Injury Payments Are Better Protected
Compensation for redundancy or injury is now tax-free up to ₦50 million.

Example
Ibrahim receives ₦15 million after a job loss.
👉 He keeps everything.

8. VAT Stayed the Same but Became Smarter
VAT remains 7.5%, but many essentials are now 0% VAT, including food, medicine, baby products, and farm inputs.

Example
Mama Grace Pharmacy charges 0% VAT on essential drugs but can still recover VAT paid to suppliers.

9. Digital Tax Systems Are Now Mandatory
VAT-registered businesses must use approved e-invoicing systems.

Example
BrightTech Solutions upgrades its accounting software early and avoids penalties.

10. Penalties Are Now Serious
Late filing now attracts heavy fines.

Example
Omega Ventures ignores deadlines and pays penalties running into hundreds of thousands.
👉 Compliance is now cheaper than mistakes.

WHAT EVERYONE SHOULD DO GOING FORWARD
The new tax system is not just about what changed, it’s about how you respond.

1. Know Where You Fall
Be clear on:
- Your yearly income
- Whether you earn salary, business income, or both
This helps you know what applies to you.

2. Keep Simple Records
You don’t need to be big to be organized.
Example
Zainab, who runs an online thrift store, tracks sales in a notebook and phone notes.
👉 When questions come, she’s ready.

3. Register Your Business Properly
If you have a side hustle:
- Register with CAC
- Separate business and personal money
Example
Emeka, a graphic designer, registers his business and qualifies for tax reliefs and grants.

4. Don’t Hide Income
The system is now digital, e-invoicing, data tracking, and matching are coming.
👉 Honesty is cheaper than penalties.

5. Use the Reliefs Available to You
Many people overpay tax simply because they don’t document reliefs.
Example
Bola documents her pension contributions and sees her take-home pay increase.

6. Plan Your Money Better
Clear tax rules mean better budgeting, saving, and investing.
Example
Sadiq now auto-saves monthly because his take-home pay is predictable.

7. Ask Questions Early
Confusion is normal. Silence is costly.
👉 Ask before penalties start.

Final Thoughts
Nigeria’s 2026 tax reforms focus on:
- Protecting low earners
- Supporting small businesses
- Closing loopholes for big companies
- Making taxes clearer and digital
For most Nigerians, tax didn’t increase, clarity did.

Need Help Understanding How This Affects You?
📞 08182173672 | 08063107601 | 08025667701
📧 [email protected]

Stay informed. Ask questions early. Build smart.

WHO DEY YOUR CORNER?
Tabita Okodike

Make I talk true, for this life ehh, One questions wey person suppose ask himself no be just “Wetín him wan become?” Na “Who really dey stand with me?”

Because life no be solo journey o. Who you dey walk with fit either help you reach where God dey carry you go, or make your life jaga jaga.

Relationship No Be Play Play
Many people dey think say as long as person no dey fight them, everything dey okay. Hmmmmm, wetin I talk? My people, no relationship dey neutral o. E dey either add to you or dey subtract from you.

The people wey you join body with dey influence:
* How you dey think
* The kind decisions you dey make
* Wetín you dey tolerate
* The future you go finally settle for
Sometimes no be wetín people dey talk dey spoil person life, na the bad things wey you see as normal.

People Wey Dey Your Corner For Real
No be everybody wey dey laugh with you dey wish you well. People wey truly dey your corner get pattern.
* Na people wey dey push you make you grow, no be make you settle.
* Na people wey fit tell you truth even when e dey pain
* Na people wey respect your values and know the place wey you draw line.
* Na people wey support your purpose, no be only to joli with you.
* Na people wey dey happy when you dey progress, no be say jealousy wan choke them.
* Na people wey dey pray for you, no be dey compete with you.
Dem no go always agree with you, but dem go always want your good.

Red Flag No Be Decoration O

Some people dey your life just to scatter am. Dem go smile, gist, laugh, but guyyyy, them dey slowly suck you dry.
* Them dey pressure you make you rub yourself for mud.
* Them dey drain you emotionally, mentally, or spiritually
* Them dey make bad tin dey look normal
* Them dey laugh discipline, responsibility, or even how you dey take serve God.
* Them dey vex anytime you wan grow or change
You better you wake up. Red flag no be decoration. Na correct warning.
If you like ignore am, wahala dey wait you for front.

Choose With Sense, Not With Desperation
Many people dey hold tight to wrong relationships because dem fear loneliness. Some because dem no wan start again. Some because dem don get used to nonsense.

But make we reason am well:
* This relationship, e give you peace abi make you dey misbehave?
* This relationship, e dey push you closer to purpose abi na correct distraction?
* If you sit down put for this relationship, wetin you go become las las?
To commot some people for your life, no be pride. Na maturity! Protecting your future no be wickedness, Na Sense!

Why This Talk Mata for Your Tomorrow

As you dey enter new season, come be new year, new level, new responsibility, you no fit carry everybody join body o. You no go fit cook correct soup with meat wey don spoil. Your future too dey important to dey shaped by people wey no understand your values or respect where God dey carry you go.

I go ask you again, who Dey Your Corner?
Na 2026 we just enter so ooo, sit down, ask yourself:
* Who dey push you to dey better?
* Who dey challenge you make you grow?
* Who dey pull you closer to that place wey God want may you dey?
* Who dey drain you?
Because who you dey walk with today go affect where you go land tomorrow.
No choose relationship base on wetin no carry weight.. Choose with sense
No take your life play ooooo.

Need Person Wey Go Listen? We dey for you
If this message touch you, or you dey confused about relationship wey you don chuk hand inside, choices wey dey spoil things, pressure wey dey choke, mindset wey spoil, or direction wey no clear, Youth Counsellors dey available to listen, guide, and pray with you on a personal levu.
📞 08182173672 | 08063107601 | 08025667701
📧 [email protected]
📍On Ground at Mgbidi
No carry am alone. Reach out. Bring us enter your corner this year ❤️

Fix Your Mind First
Winifred Eze

Friend, before you try to fix your life, your finances, your future, or your plans, fix your mind first. Everything you become starts from the inside. Your mindset shapes your choices, your growth, and the level of impact you make.

Why Your Mind Matters

1) Stop Comparing, Start Growing
Comparison steals joy and confidence. You were uniquely created with your own gifts, pace, and purpose. Instead of comparing yourself to others, practise gratitude and focus on your personal growth.

2) Guard Your Thoughts
Every battle is first won or lost in the mind. Negative thoughts will come, but don’t allow them to stay. Replace them with truth. Speak positive, faith-filled words over yourself until your mindset aligns with who God has called you to be.

3) Don’t Get Too Comfortable
Gratitude is important, but complacency limits progress. Push yourself beyond your comfort zone. Growth requires effort, and effort builds confidence.

4) Learn, Practise, Repeat
Talent grows through learning and consistent practice. Invest in workshops, courses, mentorship, and personal development. Apply what you learn daily; improvement comes through action.

5) Share Your Work and Accept Feedback
Growth accelerates when you allow constructive feedback. Sharing your work helps you identify blind spots and improve your skills. Stay teachable.

Know this:
You were created to grow and to make an impact. When your mind is healthy and intentional, your life begins to align. Don’t wait for everything to be perfect, start where you are, but start right.
Fix your mind first… and everything else will follow.

Need Support? You’re Not Alone
If you’re struggling with your mindset, direction, personal growth, or emotional challenges, our Youth Counsellors are available to listen, guide, and support you, confidentially and without judgment.

📞 08182173672 | 08063107601 | 08025667701
📧 [email protected]
📍On Ground at Mgbidi

Reach out. Speak up. Let’s grow and move forward together🌱

Living or Just Passing Time?
Solomon Okwuchukwu

You are not an accident.
You are not a coincidence.
Before you were born, God intentionally designed you, wrote your story, and entrusted you with a purpose only you can fulfill. Just as no manufacturer creates a product without a function, God never creates a life without a mission.

Purpose is the reason something exists.
The maker of a phone understands its function.
The inventor of a clock knows its assignment.
Likewise, the Creator of your life had a definite reason when He formed you in your mother’s womb.

When you understand this truth, you realize this: You are more than your name, your background, or your certificates. You are far beyond your earthly ambitions.
_“The greatest tragedy is not death, but living without knowing why you were born.”_

Purpose answers the deepest questions of identity: Who am I in God? Why am I here? What has Heaven deposited in me for the benefit of mankind and the glory of Christ?

The Bible says in Jeremiah 1:5 (KJV):
_“Before I formed thee in the belly I knew thee; and before thou camest forth out of the womb I sanctified thee, and I ordained thee…”_

Purpose Discovery Worksheet
Understanding My Divine Assignment
Name: _______________________
Date: _______________________

- Why do I believe God created me?________________________________
- Who am I in God beyond my name, background, or achievements? _________________________________
- What gifts, abilities, or strengths do I recognize in myself? __________________________________
- What do people often come to me for help or guidance with?___________________________________
- What problems or needs in society deeply burden my heart?___________________________________
- What activities make me feel fulfilled and aligned?____________________________________
- What situations stir strong compassion, anger, or tears in me?____________________________________
- What life experiences have shaped my perspective and values?____________________________________
- How can my gifts and experiences serve others and glorify God?_____________________________________
- What needs or injustices do I feel compelled to address?_____________________________________
- Who has God positioned as mentors or spiritual guides in my life?_____________________________________
- In one sentence, how would I describe my purpose today?_____________________________________
- What legacy do I want to leave that honors God and blesses others?______________________________________
- Am I willing to surrender my plans for God’s purpose?______________________________________

Reflection
One action step I will take to grow in my purpose:
________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

You Don’t Have to Figure This Out Alone
Purpose discovery can raise deep questions, emotions, and uncertainties. You don’t have to walk this journey by yourself. The Youth Counsellors are available to listen, guide, pray with you, and support you confidentially and without judgment.
📞 08182173672 | 08063107601 | 08025667701
📧 [email protected]
📍 On ground at MGBIDI

It’s a New Year… So What?
_Solomon Okwuchukwu_

Hi, youths, let’s talk.
It’s a new year, and everywhere you turn, people are talking about goals, resolutions, and big dreams. Some have written long lists. Others are just hoping things will somehow work out. But pause for a moment and ask yourself one honest question, “What am I actually working towards?” Because being busy is not the same as making progress.

What Is Goal Setting?
Goal setting is deciding what you want to achieve, why it matters, how you’ll achieve it, and when. In simple terms, it’s turning dreams into clear plans. If you don’t choose your direction, life will choose one for you, and you may not like where it leads.

Why Many Youths Struggle
Not because they’re lazy or untalented, but because they:
* Set goals without self-awareness
* Copy other people’s dreams
* Move fast without reflecting
Speed without direction leads to frustration.

Before You Set Any Goal, Pause
This pause can save you years.

Know your purpose. Ask yourself:
Who am I becoming? What truly matters now? What do I want my life to stand for?
Goals without purpose soon become burdens.

Do a quick reality check.
Be honest about what you’re doing well, what’s holding you back, and where you need growth. Also, seek feedback from mentors or trusted people—not for condemnation, but for direction.

How to Set Goals That Work
Every serious goal should answer these five questions:
✨Focus area – academics, skills, career, character, health, faith, finances

✨What exactly do I want to achieve? (Be clear)

✨Why does it matter to me? (Your why keeps you consistent)

✨How will I achieve it? (Daily or weekly actions)

✨When must it be achieved? (Deadline)

If there’s no how and no when, it’s not a goal, it’s a wish.

A Simple Example
Nkechi wants to improve her spoken English.

Goal: Speak confidently and clearly

Why: To express herself better and seize opportunities

How: Daily reading aloud, weekly practice, pronunciation drills

When:3 months (January–March)
That’s a goal, not a wish. Be like Nkechi 😉

Here is the deal
Don’t set goals to impress people.
Set goals that align with your purpose.
Sit down. Reflect. Decide. Act.
Growth is deliberate, start now!

Need Guidance? You’re Not Alone
If you’re confused, stuck, or need help clarifying your goals, The Youth Counsellors are here to listen, guide, and walk with you, confidentially and without judgment.
📞 08182173672 | 08063107601 | 08025667701
📧 [email protected]
📍 On ground at MGBIDI
Speak up. Reach out. Let’s make this year intentional together.

*Before You Say “New Year, New Me”*
_Tabita Okodike_

Before the countdown.
Before the outfits, vision boards, and *“This is my year”* captions, pause.
Running into a new year without reflecting on the old one is like opening a new notebook with the same messy handwriting and expecting change.

*This Year Was… A Lot*
Let’s be honest. This year came with plans that didn’t plan back, goals that ghosted, prayers that felt left on seen, and lessons nobody volunteered to learn. Some days you were motivated; other days you were just surviving. Both count.

*Look Back Without Judging*
Reflection isn’t self-attack; it’s self-awareness. Ask yourself: What did I do well? What did I keep postponing? Where did I grow quietly? What drained me that I need to stop entertaining? If you don’t look back, you’ll keep repeating the same season with different dates.

*Small Wins Still Matter*
Maybe you didn’t achieve everything you hoped for but you’re still standing, wiser, and more aware of your boundaries. Growth isn’t always loud. Sometimes it looks like not reacting the way you used to. That is progress.

*About the Ls*
Yes, there were mistakes, losses, and regrets. Learn from them. Pray over them. Then let them go. Holding onto guilt won’t heal you. God isn’t waiting for perfection, He’s waiting for honesty.

*Still, Say Thank You*
Even if the year didn’t go as planned, it didn’t leave you empty-handed. You gained experience, discernment, strength, and clarity about what you no longer want. Some delays were protection. Some disappointments were direction.

*And What Are You NOT Carrying Forward?*
Leave behind laziness disguised as “waiting on God,” fear of starting, comparison, and inconsistency. New year, new grace, but also new responsibility.

*I Know the Next Year Is Knocking… Relax*
You don’t need a perfect plan. You need direction, discipline, and dependence on God. Consistency will always outlast hype.

*So, Let’s Have It, Guysssssss*
Ending the year well isn’t pretending it was perfect. It’s saying, “I learned. I grew. I survived.” Close this chapter properly and step forward clear-headed, healed, and hopeful. The year is ending, but you’re just getting started ✨

*You Don’t Have to Do This Alone*
Strength isn’t pretending you’re okay; it’s asking for help. If this year brought confusion, pain, or unanswered questions, *The Youth Counsellors* are here to listen, guide, and pray with you, confidentially and without judgment.
📞 *08182173672 | 08063107601 | 08025667701*
📧 *[email protected]*
📍 *On ground at MGBIDI*
Speak up. Reach out. Let’s step into the new year lighter, stronger, and more intentional, together.

Testimony from one of our participants for The Lord's Chosen Youth Counselors Department Empowerment Initiative 1.0.

My name is Eze Chiamaka Comfort. I am a beneficiary of theTLCYCD Empowerment Initiative 1. 0
I must confess that this one month training was highly impactful.

I joined the content creation class and I must say that my Facilitator, Sir, Albany Iwuorieh is such a great tutor.
He simplified the learning process and was eager to ensure that we all were carried along in the class.

My facilitator made me to understand the importance of content hook, how to edit video content and how to go about creating of content in general.

It was also an amazing experience to collaborate with fellow beneficiaries of this initiative, as we were paired in groups to carry out project.

God bless the brains behind this great initiative and may you all increase on every side.

I will definitely put to practice all I learned in class.

Thank you, once again to The Lord's Chosen Youth Counseling Department.

Empowerment Initiative 1.0

Meet the administrative team of The Lord's Chosen Youth Counselors Department Empowerment Initiative 1.0

They worked behind the scene making this program a success.

They gave their all to ensure the program goes smooth and stress free.

We see you and what you do.

Thank you for the love, guidance and support you gave to every participant of this program.

We celebrate you today and always.

TO OUR AMAZING Facilitators,

We want to say a very big thank you for your amazing contributions into the lives of the participants of .0

Thank you for the your time.

Thank you for the knowledge you dish out.

This wouldn't have been possible without you.

God bless you all.

We look forward to more partnerships

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