Before Your First Salary: How to Manage Money, Invest & Avoid Scams | A. T. Lawal

What should you know about money before you begin earning a regular salary? In this practical session at the Craft Innovation Hub (CIH) SIWES Career & Workplace Readiness Series, Associate Professor A. T. Lawal, Dean of Student Affairs, Al-Hikmah University, speaks to students and young people about building financial intelligence early, before greater income and financial responsibilities arrive. The session, held on 3 October 2026 at Craft Innovation Hub, Agbo Oba, Ilorin, explores some of the financial mistakes that can affect young people as they transition from school into employment, freelancing, business and independent adult life. Key issues covered include: Building financial discipline before earning a regular salary Understanding the difference between saving and investing Creating a realistic personal budget Managing lifestyle pressure and unnecessary spending The dangers of irresponsible borrowing Understanding investment risk, liquidity and potential returns Recognising Ponzi schemes and fake investment platforms Developing habits that support long-term financial stability Making responsible financial decisions as a student, graduate or young professional The practical focus of the session encourages participants to begin thinking beyond simply earning money to understanding how to manage, protect and grow it responsibly. About the Programme The CIH SIWES Career & Workplace Readiness Series complements students' technical SIWES experience with practical knowledge for life after school, including workplace readiness, communication, financial literacy, entrepreneurship, responsible citizenship and career development. The initiative reflects Craft Innovation Hub's commitment to moving young people from learning to practical competence, opportunity and sustainable income.