The war raising fuel prices in Lagos is also raising your energy bills in London and Toronto

If you're sending money home this month, the calculation is harder than it was in January. And it's getting harder on both ends simultaneously.

In the UK, household energy bills are rising again as global gas prices climb with the Middle East conflict. Food costs are up. Transport costs are up. The pounds left after your fixed expenses are fewer than last month. Canada is in the same position: crude-linked energy costs feeding through to everyday spending.

On the Lagos end, the naira amount your transfer buys has to stretch further because everything costs more. The ₦1,300 fuel is in every bus fare, every delivery charge, every generator bill your family runs. The food your parents buy at the market is more expensive because the truck that brought it paid more to fill its tank.

Remittances are Nigeria's largest source of foreign inflows, consistently larger than oil receipts. The diaspora economy functions as a shadow welfare system for millions of Nigerian households, absorbing shocks that the government doesn't cushion against. Right now the shock is a war nobody in Nigeria started, and it's landing at both ends of the transfer chain at the same time.

The amount you send hasn't changed. What it can do on both sides has.