Joyce Ibitoye

Joyce Ibitoye I'm Joyce - I help diaspora women master personal finance and lay the foundations of lasting wealth. ACCA accountant. 25 years in finance.

I've walked this road too. Author of The Black Woman's Guide to Building Wealth.

01/09/2026

Day 13 of testing how to make money on social media at 57, and £24 just landed in my account.

It is a modest start, but £24 beats zero every single day of the week.

When you reach your 50s, retirement planning and the rising cost of living sit heavy on your mind. Many of us face job insecurity or navigate life on a single income, so building a steady side income over 50 is a real step toward financial independence.

The internet is packed with hype about making money online. Most of it sounds completely unrealistic. Women over 50 carry decades of practical skills that hold genuine value, and midlife reinvention is about putting that experience to work.

The momentum shifted once I focused on the single daily action that moves the needle, repeating what works and ignoring the distractions.

I broke down the exact steps behind this first £24 in today's video, right before my tea went cold on my kitchen counter.

30/08/2026

Day 12 of finding How Can I make Money On Social Media. Today, a moment of pause at Lake Issyk-Kul. We plan our course, but God establishes our steps. Taking today to reset, reflect and pray for the week ahead and keeping those hurting around the world in our prayers.

You can also follow on Instagram to see more.
29/08/2026

You can also follow on Instagram to see more.

29/08/2026

Day 11 — The Saturday Audit.

This week I failed.

I missed Wednesday. I missed Friday. And I am sitting here writing this post at 7pm on Saturday evening from scratch.

Making zero pounds this week is expected. Building an income stream takes time. But falling off my posting schedule is the real sting when you set out to show up daily.

In the past, missing two days meant throwing in the towel. That happens when we do not give ourselves grace.

A missed day is just data. It shows where the routine broke down so I can prepare earlier next week.

I am still here. Better late than never.

Did you give yourself grace when things slipped this week, or did you give up? Let me know in the comments.

25/08/2026

Day 9 of my 30-day making money online challenge.

Today, I stopped researching and started pitching.

Emails sent. DMs sent. And now I’m making a UGC video for a brand I already use.

I’m nervous, but I’m doing it anyway.

Let’s see what happens. 👀

24/08/2026

Day 8 centred around the fact that I have no results yet.

I feel under pressure to say I’m making money eight days in. But nothing yet.

I also need to start looking for the money, then record myself doing the work.

So much to do, with so little time.

But I must press on until I can answer this simple question:

**Can I make money online?**

23/08/2026

Day 7 — Rest is part of the plan

Rest isn’t something we invented because modern life got busy.

Genesis 2:2–3 tells us that after six days of creation, God rested on the seventh day.

So today, there’s no strategy. No planning. No chasing the next thing.

Just the Word and stillness.

May God bless your rest today. 🙏🏾



AI was used in the production of this video.

22/08/2026

Day 6 — My Saturday reset

I used to treat Saturday like another working day.

It didn’t make me more productive. It usually meant starting the next week already tired and behind.

Now I give myself three focused hours on Saturday morning. Then the computer goes off.

Shopping. Cooking. Cleaning. Life.

My weekly reset isn’t about squeezing more work into the weekend. It’s about making Monday easier.

Do you use part of your day off to prepare for the week ahead?



AI was used in the production of this video.

21/08/2026

Day 5 — How much should I charge for UGC?

How much should you charge for a UGC video?

There isn’t one correct UGC rate. Experience, niche, the work involved and how the brand plans to use your content can all affect the price. Current UK guides show a wide range even for beginners.

A few UGC rate calculators to try:

UGCJobs — UGC Rate Calculator
Collabstr — UGC Creator Price Calculator
VeLena Lifestyle — UK UGC Rate Calculator
Miniclass — Creator Rate Calculator

Use them as a starting point, not as your final quote. Remember your filming, editing, revisions, equipment, software and usage rights all have a cost.

Save this for when you’re working out your UGC rates.



AI was used in the production of this video.

The calculators above are currently available, including UK-specific and UGC-specific options.

20/08/2026

Day 4 — UGC vs brand deals

UGC vs brand deals: what’s the difference?

The simplest distinction is this:

With UGC, you’re mainly being paid to create content the brand can use.

With a brand deal, you’re usually being paid to create content and put it in front of your audience.

But the lines can overlap. Usage rights, paid ads, exclusivity and where the content will appear can all affect what the work is worth.

UGC may be an easier place to start without a large following. I’m interested in where it can lead.



AI was used in the production of this video.

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