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Re: 7 Basic Steps To Improve Your Financial Condition In 2018 by WHIZKIDEFE(m): 11:52am On Jan 13
Preetiex:
for inside 15,000 salary, u go enter motor,chop food,buy recharge card & other little tins,how u wan safe for dis buhari change hardship
Lol
.
You go fit save jare, just change your mindset, na the way you take dey see things, na so dem go take happen.
.
No matter small amount, save.
Even if na 1k, 5h or 1h, just dey save am dey go, at the end wey you go check, you no go believe the amount wey you don gather.
*smiles.

1 Like

Re: 7 Basic Steps To Improve Your Financial Condition In 2018 by Beedude(m): 11:52am On Jan 13
DollarAngel:
Avoid Oloshos, work harder, pray more, have a relationship with God, pay your tithe and sow seed
And What If U Are Neither A Xtian Nor Muslim ? Its Becomes Impossibe To Manage One's Finances Abi ? Everything Isnt About Religion And That Is Our Problem In This Side Of The World. If U Pray More And Pay Ur Tithe, If U Dont Apply What Op Has Stated There Is Nothing God Can Do To Help U.
Re: 7 Basic Steps To Improve Your Financial Condition In 2018 by Geofavor(m): 11:58am On Jan 13
Preetiex:
for inside 15,000 salary, u go enter motor,chop food,buy recharge card & other little tins,how u wan safe for dis buhari change hardship
Miss, why do you blame everything on the president?
Re: 7 Basic Steps To Improve Your Financial Condition In 2018 by fortunejum: 12:04pm On Jan 13
chidichuddo:
avoid liabilities e.g women
Honestly, woman is the greatest liability of a man.
Re: 7 Basic Steps To Improve Your Financial Condition In 2018 by ukelament(m): 12:18pm On Jan 13
Nice job
Re: 7 Basic Steps To Improve Your Financial Condition In 2018 by BiafranBushBoy: 12:20pm On Jan 13
OvaSabi1:
You will know a copy and paste article when it is using foreign currency and foreign terms like 401k.

I write for foreign audience Sir. American traffic pays better
Re: 7 Basic Steps To Improve Your Financial Condition In 2018 by churchee(m): 12:30pm On Jan 13
I'm in need of an online business I can start with just 5k.
cryptocurrency or anything that is not PONZI.
Re: 7 Basic Steps To Improve Your Financial Condition In 2018 by ImaIma1(f): 12:30pm On Jan 13
Stop spontaneous buying. Stick to your budget and funds assigned for miscellaneous

Reduce visits to the bar and hangouts and declaring free drinks.

Stop ojukokoro. Don't buy that human hair at the detriment of investing or saving.

Don't try to form big boy or girl by leaving above your means.

2 Likes

Re: 7 Basic Steps To Improve Your Financial Condition In 2018 by fajob: 12:39pm On Jan 13
BiafranBushBoy:
If you have decided to improve your financial condition this year, then this post is a must-read. Inside this post are some of the mindsets you should avoid if you want to succeed this year.

Just like most working class graduates out there, my finances aren’t perfect; but within the last few months of last year, I learnt a lot I implemented, and it worked wonders for me. Making progress on financial issues can prove to be difficult. To say “I want to be debt free” is general – as there is no starting point or call to action. Setting up your financial house isn’t impossible; you only need to start from somewhere.

These are the basic steps I took, and you can also use it to improve your financial condition as a white collar jobber man.




Pay yourself first

This basic step to improving your financial situation is to pay yourself first. It might seem a little bit odd, but it is the one convenient ways to improve your financial condition. As soon as the paycheck drops, you should take out an amount and pay yourself first, before looking out for other debts to clear. This was how the richest man in Babylon came about.

Paying yourself means taking out a portion of your income daily, weekly, or monthly, then you save or invest it. If I were you, I will choose the former as the best way to pay myself.

Several times when an investment opportunity springs up, one of the common excuses to hear is “I don’t have enough to invest.” This isn’t because you don’t have enough; it is because you didn’t pay yourself first.

Just learn to pay yourself first, and then you will be fine.

Don’t Save to Spend, Save to Invest

Nothing scares me more than when I hear someone say “I need to save to buy a new car.” No one should save his hard earned money to spend it; rather you should invest it into something reasonable, then you use the passive income and accomplish your needs.

According to Wikipedia, passive income is a cash flow received on a regular basis, which requires minimal to no effort by the recipient to maintain it.

Passive income has been the best thing since pizza. To improve your financial condition or status, you should have your eyes all opened for streams of passive incomes.

There are several ways to earn passive incomes and improve your financial condition, and a few of them are;

- Invest in an already established enterprise
- Negotiate for higher pay
- Take up side jobs/projects

You can either speak to your financial advisor or reach out to me using the comment section and I would guide you properly.

Have a Budget and a Financial Calendar

Have you ever seen the big corporations and organizations making financial plans and projections? That’s exactly how you should run your finances. The only way to improve your financial condition without any side income is to stay with or below your budget.

But what if you don’t even have a budget?

You should really learn how to draw up a budget now, keep it real with a financial calendar and then make projections.

Having a budget is one task, spending within your budget limit is one hell of another task on its own.

Read and Master Financial Numbers

It might not sound too interesting at first, but it is a crucial and basic step to improving your financial situation. I was never a finance student in college, but I am working on correcting that right now. I need to know what the banks know, so I am reading up on stocks, taxes, interest rates, and 401(k).

There is a lot to learn, so I am taking my time, and it has really helped me make better plans. This means I can now take decisions without hurting my financial condition.

Put money out of your reach

Credit cards and ATMs for those in Nigeria are one of those things that will aid you go broke before you say Jack Robinson. A simple rule is to make sure you don’t have any of them for your ‘real’ savings account.

You should also not keep a large sum of money in the house, as the urge to spend on irrelevant things will always crop up.

Learn to shop online during festive periods

Easter, Halloweens, Christmas, Black Fridays, and New Years are known for one thing “DISCOUNTS”. If what you need to get now isn’t so urgent, you can wait for a festive period to buy it at a more discounted price.

A premium theme I bought $65 is now selling for $9 just because of the New Year promotion. It was urgent then, so I have no regrets.

Start Something

The best was saved for the last. If you sincerely wish to improve your financial condition, then you need to stop running from poverty and chasing wealth. How long can you keep cutting cost just to stay afloat, when you can live the way you want by minding your own business?

No business is little as long as it generates revenue for the owner. As a working graduate, couple or single parent, all you need do is start something no matter how small. If you manage it properly, you may just live the life you dreamed of.

To improve your financial condition is not rocket science. It is all about making plans and getting down to work. You may plan all you want about improving your financial situation; but if you don’t take actions, you might just keep making movements without covering any distance.

Remember to insert your email below and get articles like this delivered to your mailbox.


Nice write up


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Re: 7 Basic Steps To Improve Your Financial Condition In 2018 by Chlorin: 12:42pm On Jan 13
Nice one Op! mavogadros@yahoo.come
Re: 7 Basic Steps To Improve Your Financial Condition In 2018 by Mrflyguy: 12:43pm On Jan 13
Preetiex:
for inside 15,000 salary, u go enter motor,chop food,buy recharge card & other little tins,how u wan safe for dis buhari change hardship
Even if its 2000 that you can save in a month from that your 15,000 . it is always good to have savings
Re: 7 Basic Steps To Improve Your Financial Condition In 2018 by Fabulous7(m): 12:47pm On Jan 13
IdiAmin2:


After all the tithes and seed sowing for the last 30 years, where did it get us as a nation Nigeria is about to overtake India to number 1 position of the country with highest number of people living in extremes poverty. While at the same time we are producing the highest numbers of the richest pastors in the world. 3 out of 5 richest pastors in the world are from Nigeria and we have the highest number of people living in poverty

let me pray for you

MY GOD MY GOD. BLESS THIS MY BROTHER WITH COMMON SENSE, SENSE FALL ON YOU!!! IN JESUS NAME
I think it's you that needs prayer more bro..... only when you know that its God that you are using all that resources to not pastor or human being,it is a way of having or building your treasure in heaven.Shalom
Re: 7 Basic Steps To Improve Your Financial Condition In 2018 by prejulsuc(f): 12:49pm On Jan 13
BiafranBushBoy:
If you have decided to improve your financial condition this year, then this post is a must-read. Inside this post are some of the mindsets you should avoid if you want to succeed this year.

Just like most working class graduates out there, my finances aren’t perfect; but within the last few months of last year, I learnt a lot I implemented, and it worked wonders for me. Making progress on financial issues can prove to be difficult. To say “I want to be debt free” is general – as there is no starting point or call to action. Setting up your financial house isn’t impossible; you only need to start from somewhere.

These are the basic steps I took, and you can also use it to improve your financial condition as a white collar jobber man.




Pay yourself first

This basic step to improving your financial situation is to pay yourself first. It might seem a little bit odd, but it is the one convenient ways to improve your financial condition. As soon as the paycheck drops, you should take out an amount and pay yourself first, before looking out for other debts to clear. This was how the richest man in Babylon came about.

Paying yourself means taking out a portion of your income daily, weekly, or monthly, then you save or invest it. If I were you, I will choose the former as the best way to pay myself.

Several times when an investment opportunity springs up, one of the common excuses to hear is “I don’t have enough to invest.” This isn’t because you don’t have enough; it is because you didn’t pay yourself first.

Just learn to pay yourself first, and then you will be fine.

Don’t Save to Spend, Save to Invest

Nothing scares me more than when I hear someone say “I need to save to buy a new car.” No one should save his hard earned money to spend it; rather you should invest it into something reasonable, then you use the passive income and accomplish your needs.

According to Wikipedia, passive income is a cash flow received on a regular basis, which requires minimal to no effort by the recipient to maintain it.

Passive income has been the best thing since pizza. To improve your financial condition or status, you should have your eyes all opened for streams of passive incomes.

There are several ways to earn passive incomes and improve your financial condition, and a few of them are;

- Invest in an already established enterprise
- Negotiate for higher pay
- Take up side jobs/projects

You can either speak to your financial advisor or reach out to me using the comment section and I would guide you properly.

Have a Budget and a Financial Calendar

Have you ever seen the big corporations and organizations making financial plans and projections? That’s exactly how you should run your finances. The only way to improve your financial condition without any side income is to stay with or below your budget.

But what if you don’t even have a budget?

You should really learn how to draw up a budget now, keep it real with a financial calendar and then make projections.

Having a budget is one task, spending within your budget limit is one hell of another task on its own.

Read and Master Financial Numbers

It might not sound too interesting at first, but it is a crucial and basic step to improving your financial situation. I was never a finance student in college, but I am working on correcting that right now. I need to know what the banks know, so I am reading up on stocks, taxes, interest rates, and 401(k).

There is a lot to learn, so I am taking my time, and it has really helped me make better plans. This means I can now take decisions without hurting my financial condition.

Put money out of your reach

Credit cards and ATMs for those in Nigeria are one of those things that will aid you go broke before you say Jack Robinson. A simple rule is to make sure you don’t have any of them for your ‘real’ savings account.

You should also not keep a large sum of money in the house, as the urge to spend on irrelevant things will always crop up.

Learn to shop online during festive periods

Easter, Halloweens, Christmas, Black Fridays, and New Years are known for one thing “DISCOUNTS”. If what you need to get now isn’t so urgent, you can wait for a festive period to buy it at a more discounted price.

A premium theme I bought $65 is now selling for $9 just because of the New Year promotion. It was urgent then, so I have no regrets.

Start Something

The best was saved for the last. If you sincerely wish to improve your financial condition, then you need to stop running from poverty and chasing wealth. How long can you keep cutting cost just to stay afloat, when you can live the way you want by minding your own business?

No business is little as long as it generates revenue for the owner. As a working graduate, couple or single parent, all you need do is start something no matter how small. If you manage it properly, you may just live the life you dreamed of.

To improve your financial condition is not rocket science. It is all about making plans and getting down to work. You may plan all you want about improving your financial situation; but if you don’t take actions, you might just keep making movements without covering any distance.

Remember to insert your email below and get articles like this delivered to your mailbox.
What of if you are not a salary earner and you have a small shop.For the time been, your hubby is not financial stable.You have two kids .This is what am experiencing.I really want to save to boost the shop, but I cannot. The money am suppose to put back into the business is been used to run the home.How I wish I can get a small job along with it to be able to save at the end of every month.Baba God this is a new year answer me and blessed my hubby unmerited favour so I will labour less and be able to save for future purpose.

1 Like

Re: 7 Basic Steps To Improve Your Financial Condition In 2018 by IdiAmin2(m): 12:58pm On Jan 13
Fabulous7:

I think it's you that needs prayer more bro..... only when you know that its God that you are using all that resources to not pastor or human being,it is a way of having or building your treasure in heaven.Shalom

chai!!!

brainwashed sheeples full this country sha.

so it is god in heaven that is using the resources abi?

Latest figures in Forbes:
Adeboye: 39 million dollars - personal wealth!!! PERSONAL WEALTH OOO. Not in heaven ooo, in some foreign account in his name. MUMU
Oyakhilome: 50 million dollars - personal wealth!!! Key word is PERSONAL. The money is not some treasure in heaven
Oyedepo: 150 million dollars personal net worth. Personal Wealth, U hear that? Personal net worth -

when Bob Marley sing: "Emancipate yourself from mental slavery, no one but ourselves can free our minds" Na people like you he dey sing for. I will buy you the CD if you want.

Baba Fela tell una soooo tey, till he die, but una no wan hear either. "suffer suffer for earth, enjoy for heaven, Na pastor dey wear build fine fine house, the people no fit build so"

As the saying goes: when Mugu fall, guy man must chop

1 Like

Re: 7 Basic Steps To Improve Your Financial Condition In 2018 by Preetiex(f): 1:07pm On Jan 13
WHIZKIDEFE:
Lol
.
You go fit save jare, just change your mindset, na the way you take dey see things, na so dem go take happen.
.
No matter small amount, save.
Even if na 1k, 5h or 1h, just dey save am dey go, at the end wey you go check, you no go believe the amount wey you don gather.
*smiles.
thank u jaree,i know saving is important
Re: 7 Basic Steps To Improve Your Financial Condition In 2018 by izuch(m): 1:24pm On Jan 13
BiafranBushBoy:
If you have decided to improve your financial condition this year, then this post is a must-read. Inside this post are some of the mindsets you should avoid if you want to succeed this year.

Just like most working class graduates out there, my finances aren’t perfect; but within the last few months of last year, I learnt a lot I implemented, and it worked wonders for me. Making progress on financial issues can prove to be difficult. To say “I want to be debt free” is general – as there is no starting point or call to action. Setting up your financial house isn’t impossible; you only need to start from somewhere.

These are the basic steps I took, and you can also use it to improve your financial condition as a white collar jobber man.




Pay yourself first

This basic step to improving your financial situation is to pay yourself first. It might seem a little bit odd, but it is the one convenient ways to improve your financial condition. As soon as the paycheck drops, you should take out an amount and pay yourself first, before looking out for other debts to clear. This was how the richest man in Babylon came about.

Paying yourself means taking out a portion of your income daily, weekly, or monthly, then you save or invest it. If I were you, I will choose the former as the best way to pay myself.

Several times when an investment opportunity springs up, one of the common excuses to hear is “I don’t have enough to invest.” This isn’t because you don’t have enough; it is because you didn’t pay yourself first.

Just learn to pay yourself first, and then you will be fine.

Don’t Save to Spend, Save to Invest

Nothing scares me more than when I hear someone say “I need to save to buy a new car.” No one should save his hard earned money to spend it; rather you should invest it into something reasonable, then you use the passive income and accomplish your needs.

According to Wikipedia, passive income is a cash flow received on a regular basis, which requires minimal to no effort by the recipient to maintain it.

Passive income has been the best thing since pizza. To improve your financial condition or status, you should have your eyes all opened for streams of passive incomes.

There are several ways to earn passive incomes and improve your financial condition, and a few of them are;

- Invest in an already established enterprise
- Negotiate for higher pay
- Take up side jobs/projects

You can either speak to your financial advisor or reach out to me using the comment section and I would guide you properly.

Have a Budget and a Financial Calendar

Have you ever seen the big corporations and organizations making financial plans and projections? That’s exactly how you should run your finances. The only way to improve your financial condition without any side income is to stay with or below your budget.

But what if you don’t even have a budget?

You should really learn how to draw up a budget now, keep it real with a financial calendar and then make projections.

Having a budget is one task, spending within your budget limit is one hell of another task on its own.

Read and Master Financial Numbers

It might not sound too interesting at first, but it is a crucial and basic step to improving your financial situation. I was never a finance student in college, but I am working on correcting that right now. I need to know what the banks know, so I am reading up on stocks, taxes, interest rates, and 401(k).

There is a lot to learn, so I am taking my time, and it has really helped me make better plans. This means I can now take decisions without hurting my financial condition.

Put money out of your reach

Credit cards and ATMs for those in Nigeria are one of those things that will aid you go broke before you say Jack Robinson. A simple rule is to make sure you don’t have any of them for your ‘real’ savings account.

You should also not keep a large sum of money in the house, as the urge to spend on irrelevant things will always crop up.

Learn to shop online during festive periods

Easter, Halloweens, Christmas, Black Fridays, and New Years are known for one thing “DISCOUNTS”. If what you need to get now isn’t so urgent, you can wait for a festive period to buy it at a more discounted price.

A premium theme I bought $65 is now selling for $9 just because of the New Year promotion. It was urgent then, so I have no regrets.

Start Something

The best was saved for the last. If you sincerely wish to improve your financial condition, then you need to stop running from poverty and chasing wealth. How long can you keep cutting cost just to stay afloat, when you can live the way you want by minding your own business?

No business is little as long as it generates revenue for the owner. As a working graduate, couple or single parent, all you need do is start something no matter how small. If you manage it properly, you may just live the life you dreamed of.

To improve your financial condition is not rocket science. It is all about making plans and getting down to work. You may plan all you want about improving your financial situation; but if you don’t take actions, you might just keep making movements without covering any distance.

Remember to insert your email below and get articles like this delivered to your mailbox.


Pm me bro
Re: 7 Basic Steps To Improve Your Financial Condition In 2018 by Preetiex(f): 2:17pm On Jan 13
Mrflyguy:

Even if its 2000 that you can save in a month from that your 15,000 . it is always good to have savings
yes i know thanks
Re: 7 Basic Steps To Improve Your Financial Condition In 2018 by nowpresence(f): 2:32pm On Jan 13
taking notes....
Re: 7 Basic Steps To Improve Your Financial Condition In 2018 by dancok(m): 3:07pm On Jan 13
Preetiex:
for inside 15,000 salary, u go enter motor,chop food,buy recharge card & other little tins,how u wan safe for dis buhari change hardship
i wonder o,saving is for big earners o,i may be wrong sha
Re: 7 Basic Steps To Improve Your Financial Condition In 2018 by eniorisha(m): 4:05pm On Jan 13
Preetiex:
for inside 15,000 salary, u go enter motor,chop food,buy recharge card & other little tins,how u wan safe for dis buhari change hardship


Nah my villa u dey ni? Because that's one of d highest they can pay a graduate here. Nah big money here though. It's equivalent to 50k in Lagos. DT 15k can get a decent one-room apartment here. Lol
Re: 7 Basic Steps To Improve Your Financial Condition In 2018 by ZickoZick(m): 4:47pm On Jan 13
ogbehisaac303@gmail.com
Re: 7 Basic Steps To Improve Your Financial Condition In 2018 by miraclear: 5:00pm On Jan 13
You may Choose the waste to wealth way of investment to avoid been broke come December 2018 Again.

I found out that everybody have contributed well enough.I have this to add on what I will do and anyone one could as well do that will help keep our society clean free of dirty and reduce blockage of our drainage.

Steps below :

Sourcing for the materials :

1 I will first go to your street and my streets and high highway sweep and bag as many sand/ dust by the road side as I can.
2 Go to the cannal and drainage, remove every pet bottle from coke to pepsi bottle as I can gather as well
3 Get my Mixer with tap, Cooker and Interlocking Stone Iron Mold ready

Production :
1 Fire the cooker readily
2 I will pour into the Mixer - Sand , then Powdered Pet Bottle , then sand again
3 The mixer will keep turning.
4 I will turn and turn the content of the mixer through the tap till it become uniform
5 Then Pour is slowly through the Tap at thebottom of the mixer to each Inter - locking stone Mold
6 This is a waste to wealth approach that any and everyone can do to keep our environment clean, free the drainage and as well Interlock our dusty street and stop blaming it on the government.
7 Note : You as well sell it or send details as a business proposal to any Local or state government im sure they will appreciate it.


There some other few ideas with time will share or you can mail me on kolapope2@gmail.com
rootworks
Re: 7 Basic Steps To Improve Your Financial Condition In 2018 by Preetiex(f): 5:03pm On Jan 13
eniorisha:



Nah my villa u dey ni? Because that's one of d highest they can pay a graduate here. Nah big money here though. It's equivalent to 50k in Lagos. DT 15k can get a decent one-room apartment here. Lol
for a year or a month,bikoo where are u staying
Re: 7 Basic Steps To Improve Your Financial Condition In 2018 by Preetiex(f): 5:06pm On Jan 13
dancok:
i wonder o,saving is for big earners o,i may be wrong sha
let we d small earners start with sometin small like my brother above said
Re: 7 Basic Steps To Improve Your Financial Condition In 2018 by Chidex93(m): 5:32pm On Jan 13
I Am Interested Chidiebere4000@gmail.Com[b]I Am Interested Chidiebere4000@gmail.Com[/b]I Am Interested Chidiebere4000@gmail.Com
Re: 7 Basic Steps To Improve Your Financial Condition In 2018 by Tyche(m): 6:09pm On Jan 13
darlenese:
Nice one !

i have never owned or used an ATM card , this has really l helped me alot.

How do you manage it as one needs cash from time to time? You be market woman ni?
Re: 7 Basic Steps To Improve Your Financial Condition In 2018 by athana11(m): 6:13pm On Jan 13
here is my email ubongathanasius@gmail.com send me update
Re: 7 Basic Steps To Improve Your Financial Condition In 2018 by Jhamzy(m): 6:59pm On Jan 13
Thanks for the tips bro!
hamzajatto@gmail.com
Re: 7 Basic Steps To Improve Your Financial Condition In 2018 by cutechioma1: 7:48pm On Jan 13
I love this write up especially the " don't save to spend". Since I started reinvesting my saved money,I never lack cash and with the cosmetics biz I'm in, life is good.
Re: 7 Basic Steps To Improve Your Financial Condition In 2018 by BiafranBushBoy: 8:35pm On Jan 13
Preetiex:
let we d small earners start with sometin small like my brother above said

I see your comments and I smh
Re: 7 Basic Steps To Improve Your Financial Condition In 2018 by Preetiex(f): 9:22pm On Jan 13
BiafranBushBoy:


I see your comments and I smh
ur smh ur wahala,for ur information u gave a good advise & Mrflyguy was d brother above i was writing abt obeying his advise of saving 2k out of d stipends we earn so dont think i am mocking u.good night
Re: 7 Basic Steps To Improve Your Financial Condition In 2018 by BiafranBushBoy: 9:45pm On Jan 13
Preetiex:
ur smh ur wahala,for ur information u gave a good advise & Mrflyguy was d brother above i was writing abt obeying his advise of saving 2k out of d stipends we earn so dont think i am mocking u.good night

OK.

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