₦airaland Forum

Who cares? Nigeria is doomed in all ramifications.

Nice game 100 points uhmmm

the guy no gree

I still RESPECT T.B Joshua from these list because at least he's "giving" back to people who truly needs help, i am yet to see any other pastor (rich) doing half of what T.B Joshua is doing.

Call him a fraud or an "evil" pastor, but then he's still more useful of most of the rest. he's like a robben hood of Christianity lol

J12:
This has to be the worst year in my entire life. I hate myself right now.

You ain't alone!

Try working on how to get a job on your own, NO MAN WANTS A LEECH for a woman.

Africans and their mentality.

rokiatu:
My stomach is killing me ooooooooooooooooooooooo. Like seriously as if I am in labour.

Have u ever been in labor before?

Because of whom you're, i give you glory.

Ultrame:
^^^^
Thanks Bro. Glad i could share.

^^^^^
Ok Bros, I get where you are coming from and it’s a very steep climb.

Let’s extract some facts from your posts
1. Total debt portfolio: 2M
2. Monthly income: about 150k
3. Monthly expenses:
      a. transport to church: 2k
      b. transport to school: 11k
      c. Internet: 16k
      d. Fuel: 12k
      e. PHCN: 0.5k
      f. Others (feeding, rent, domestics): 20k at most
Total Expenditure: 61.5k
This leaves you with a wiggle room of about 89K (150k - 61k)for your repayment each month.

Now let’s see how much you need to repay on a daily basis if you’ve got a 12-month (365 days) tenure
= N2, 000,000/365
= N5, 480/day or 164K (N5, 480 x 30)/month

At your current income, it’s quite clear you can’t meet your goal, so something’s got to give. You may either adjust the tenure or jack up your income by either cutting more on expenses or looking for a supplementary income source for the remaining 75K.

Good luck my brother. Make it work.

Thanks bro, i know it's like a hopeless case, anyways wetin man pikin go do, maybe make i run comot for house for a while so i can go "hustle"

Lack of money and the pressure of life!

biology ko, geography ni

Ultrame:
^^^^
Bros, if you want to become debt-free, the very first thing you've got to do is to work out a REPAYMENT PLAN. A basic plan is to divide the Total Debt Volume (plus interest) by the Tenure. (Tenure here is the number of days you've been given for repayment).

The result of this calculation is how much you have to "repay" on a daily basis in order to meet your plan.  Work towards it.

But if your income is significantly lower than your debt volume, then you've got to even out the odds and tip the balance in favor of your income by cutting your expenses. ALL SECONDARY EXPENSES that will make your life more comfortable, but you can still survive without must STOP.

That means no more Mr. Biggs for your chick, no more Amala and assorted binge in shita, and those fine pair of crocodile-skin shoes you saw in that show-glass? They never got made. (A shark probably ate THE crocodile at a baby age or something… It doesn’t matter all you know is that those shoes never made it to production!)

You'll be surprised how much you save by plugging your income leakages.  Be disciplined and prudent with your spending. If its not a basic need, it doesn’t get bought.

The next thing you need to get out of the debt trap is up to you. Its called DETERMINATION. Stick to the plan. Don’t get tempted into spoiling yourself prematurely. Wait till you’re cleared of all debt before you go out on a date with the flyest girl in town. - she’ll probably just take off the moment she knows you’re neck deep in debt-muck anyway. So do yourself a lot of favor and stick to the plan!

Remember, you’ve got all it takes.  You can do this.

I wish you luck my friend. I’m still loving this thread.

Bros, thanks for taking out time to help "analyse" what's needed to be done.

Since i got into the debts (didn't even use any to buy anything tangible on myself, it was good business gone bad/fraud/unfaithful colleague), i have not bought anything on myself, hardly spend on things i don't need, not even my GF gets anything from me (more than 1yr now)

Things that use to eat into my finances are things i shouldn't joke with but i am making changes (transport to church alone cost me close to 2k monthly, transport to school every month is like 11k, internet is like 16k monthly (2 network provider because of my nature of job), fuel like 12k monthly, PHCN like 500 monthly, feeding is there, house-rent, domestic items needed and all that.
With a monthly budget of 100k or thereabout, if i remove all these stuffs, i find it hard able to face the debts, calculating it alone gives me heartache, sometimes i feel i am living another person's life since i hardly think of mine.

I don even stop going to school, concentrating on working out a plan on paying my debts off (stopped going to school but not dropping out), when exam time is near, i go start to dey jack.

Even church self dey fear me to go, always tasking members money
Sunday school = offering
Normal church service = offering 2 times
You are even propelled to always put money in 2 hands when coming to give offering

I am not saying it's bad to give offerings in church but the issue i am having is the fact that they don't even know how the people they are cajoring to give offering are fairing. (the frustration from the debt + the sweet mouth of the pastor = ANGER)

Maybe i am doing something wrong?

I can't borrow to pay off debts, it puts me in another DRASTIC situation or how can i borrow and still manage to overturn the problems of loans?

^^^

Is it not too early for dirk talk?

Ojoyi:
Mr 10ceniroh,these are steps u'll take to pay your debts.
1. Pray 2 God 2 see u thru.
2. Borrow 4rm a frnd or siblings 2 pay due debt now,i.e recyle your debt,till u're buoyant 2 clear all.
3. Credit immdtly any money that come in2 your hand.
4. Make paying back your top priority.
5. Remain +ve,despite u're in debt.

Thanks for trying to help, but can you elaborate on the bolded?

Secondly, how can i use lets say 100k=150k to sort a debt of 2milla in 6 year, how feasible is it?

pady2:
@10chirenor, very funny,i say again ,very funny.but then again, everyone to their own.life aint easy menh! but seriously,as long as you are breathin, there'll be things to worry about.the solutin is to take /tackle one at atime or you'll kill yourself wit worry.

What is funny about what i listed? do i sound like any of the jokes from Alibaba or i go die?

^^^^

Maybe she's guilty of all the charges? GUILTY AS CHARGED

Whether to jump from the cliff or to keep hoping : THIS DEBT IS KILLING ME SLOWLY, CAN'T THINK STRAIGHT WITHOUT THE DEBTS RUNNING INTO EVERY THOUGHT!!!!


Does anyone know how to pay off one's debt even when the source of income is as low as 5% of the total debt?

FACE THE MESSAGE, LEAVE THE MESSENGER AGAIN


DOES ANYONE REMEMBER THE STORY OF BALLAM AND HIS AZZ?

I praise you oh Lord!

I can't dream now because PHCN always gives me sleepless nights.

When there's light, i will start dreaming.

Thank you.

Abeg pick one jor, ok u're African!


Make i see your hair to be sure

^^^^

Posting in a senseless thread makes you same of the same, when you know a thread is senseless, the best a sensible person should do is to ignore the thread.

You alone is worthy o lord!

Where are you from again?

Who can stop the heavy weight champion?

Survival of the fittest

Chop and die

Chop and quench

Eat away your future

Chop and forget PDP

Chop and forget PHCN

Chop and never wake up again


Abeg chop chop chop, tomorrow may be too late.

kandiikane:
@10cirinoh, stop been stup[i]i[/i]d my picture has been on my profile since the day I started on here. Yes I know who she is.

@queensmith, It was permed and gel was used to get that effect. It was most likely with hot curling irons and there is this black tint(forgot what it is called) the hair dressers in Gambia usually use to make the hair look so black.

C'mon, can't you see the sarcasm? see your head like leftover kpomo