Give yourself the gift of balance this festive season
Copy from the web)
The festive season is upon us and as much as we all relish letting go, balancing spending and other indulgences with a bit of discipline can go some way to curbing January’s financial hangover.

The festive season hype lures us in. From special deals and discounts to holiday offers, it is very hard to resist temptation. By taking small steps towards changing entrenched habits, you can enjoy the festive cheer without fearing the consequences.

In the wake of what has been a tough year for most of us, with the VAT increase, fuel price hikes and volatile markets, spending more cautiously than usual, and earmarking a portion of any unexpected income for saving, will set you on a steadier course for 2019.

Below are three tips on how to give yourself the gift of balance this festive season:

1. Have a plan, and be accountable
Put a realistic budget together that accounts for your holiday spending as well as the demands of January. Your budget may also include ways to cut down spending, e.g. using vouchers, looking out for specials on items you may need over the festive season, and group discounts on activities or entertainment.

Consider how much you can afford to spend on groceries, gifts and entertainment on top of your standard monthly outgoings and build in a bit of room for unexpected expenses. Remember that the amount you are comfortable with spending should not be a target – if you spend less than intended, you could consider saving the balance. Careful planning can allow you to exercise financial discipline while still having fun and spoiling your loved ones.

2. Think differently about any windfall
If you are lucky enough to get a bonus or an unexpected windfall, take some time to think about how to maximise it. Consider paying off your debt or contributing to a unit trust or a tax-free investment.

While investing deprives you of some short-term pleasure, it may help to keep in mind that investing is just deferred spending – you put money away to grow so that it can meet your needs in the future. Eventually that money should return to you as spending; delaying your gratification just means that you may have more to spend later.

3. Don’t fall for the shopping spending cues
Clever marketing tricks – both online and at the stores – encourage us to spend. Key retail periods, such as the popular Black Friday, are designed to make you spend more, through targeted deals and with tactics such as ‘mega savings’.

Do your research on whether a deal really is a ‘saving of a lifetime’, or whether it is something that you can do without. When you are shopping instore, be aware of your own behaviour. We subconsciously aim to fill up our shopping baskets without thinking about it – a trolley doubly so. When you’re looking for one or two things don’t pick up a basket.

Spending more may feel inevitable this festive season, but smarter planning and savvy saving can alleviate the pressure. You hold the power to your purse strings; make sure that you come out the other side with a financial benefit, rather than a deficit.

Yayira:


Ha! I bought 3.47 !
Not selling when I was told I bought far above the fair was my mistake but I take it as a lesson and glad I bought with very little portion of my Ghana must go..

l like very wealthy/rich smart ladies,realising mistakes,learning from it and moving on.

ndidigood:
l like very wealthy/rich smart ladies.

I hope it's not what I'm thinking?

Agbalowomeri:


I hope it's not what I'm thinking?

what are u thinking?UA soo funny

Agbalowomeri:


I hope it's not what I'm thinking?

Me too

Agbalowomeri:


I hope it's not what I'm thinking?

If he is thinking what you are thinking then smart would not be included

arduino:

Me too

u guys are kidding me right?au insinuating m a man BC l SD l like rich ladies.?l awz admire rich women,and l like saying it to their faces .l also like very tall woman beautiful or not.
My darling,m a mother of 2..BELIEVETHAT.

ndidigood:
u guys are kidding me right?au insinuating m a man BC l SD l like rich ladies.?l awz admire rich women,and l like saying it to their faces .l also like very tall woman beautiful or not.
My darling,m a mother of 2..BELIEVETHAT.

And you are still repeating it!!!

Woman - woman na 14 years oo.

Mcy56:

Lol. I just trust CP on it and I have tashere units.
OGG and Monkeyhunter recommended it too. Just trust their judgement.
I believed they will alert us should anything wants to go wrong with it.

i have not comment on the stock based on their Q3, the reason is the stock Q3 failed to met expectation. its movement so far not surprise especially when mkt is full of bonanza with less risk.

ndidigood:
u guys are kidding me right?au insinuating m a man BC l SD l like rich ladies.?l awz admire rich women,and l like saying it to their faces .l also like very tall woman beautiful or not.
My darling,m a mother of 2..BELIEVETHAT.

Ok. I believe you my darling

RabbiDoracle:


And you are still repeating it!!!

Woman - woman na 14 years oo.

For those wey dey feign ignorance of the law

We need to read to get a better grasp of why things happen.

The price movement of FCMB and Diamond has nothing to do with market makers (the argument over whether they really exist is another debate). Stock price movements (excluding manipulation) are based on investors' future perception of the company's performance relative to the PRESENT

Too many people keep getting carried away with Profit without looking to understand how the profit or loss came about. Diamond Bank's future has more potential than that of FCMB at this time. The last missing piece for Diamond is to get the under-performing CEO out.
FCMB declared a Q3 profit based on a fictitious revaluation of assets that generated N10B that was wrongly included on the income statement.

I will always cape for him that is down and acknowledges that he is down than him that says he is up but is in reality down in the dumps.

mendes911:

All those members that have claimed in the past of having insider information and those that see the future should speak up now oooo. Let them not re-surface once the bulls return with their talk and talk and talk.

I just love this.

ndidigood:
u guys are kidding me right?au insinuating m a man BC l SD l like rich ladies.?l awz admire rich women,and l like saying it to their faces .l also like very tall woman beautiful or not.
My darling,m a mother of 2..BELIEVETHAT.

Lol don’t mind agba..

tiar:
We need to read to get a better grasp of why things happen.

The price movement of FCMB and Diamond has nothing to do with market makers (the argument over whether they really exist is another debate). Stock price movements (excluding manipulation) are based on investors' future perception of the company's performance relative to the PRESENT

Too many people keep getting carried away with Profit without looking to understand how the profit or loss came about. Diamond Bank's future has more potential than that of FCMB at this time. The last missing piece for Diamond is to get the under-performing CEO out.
FCMB declared a Q3 profit based on a fictitious revaluation of assets that generated N10B that was wrongly included on the income statement.

I will always cape for him that is down and acknowledges that he is down than him that says he is up but is in reality down in the dumps.

So what happens in the next three years if the CEO can't be pushed aside?

Fitch Downgrades Union Bank’s National Rating to 'BBB-(nga)'
https://businesspost.ng/2018/12/05/fitch-downgrades-union-banks-national-rating-to-bbb-nga/

Fitch Affirms Fidelity Bank at 'B-'; Outlook Stable
https://businesspost.ng/2018/12/05/fitch-affirms-fidelity-bank-at-b-outlook-stable/

currentprice:


i have not comment on the stock based on their Q3, the reason is the stock Q3 failed to met expectation. its movement so far not surprise especially when mkt is full of bonanza with less risk.

Really! CP so no more comment from you now that i finally got tasere units @my 23k Target price. and still hope to top up @myTARGET PRICE.

Well come April 2019 their FY result will justify the means.

LOCO will bear me witness.

*ThE OcToPuS*

PETERiCHY:


Really! CP so no more comment from you now that i finally got tasere units @my 23k Target price. and still hope to top up @myTARGET PRICE.

Well come April 2019 their FY result will justify the means.

LOCO will bear me witness.

*ThE OcToPuS*

Make you no dey lie joorrr. See your statement attached.

mendes911:


Make you no dey lie joorrr. See your statement attached.

Three taaaazan naira portfolio. No be small something.

mendes911:


Make you no dey lie joorrr. See your statement attached.

You can look for trouble.....

mendes911:


Make you no dey lie joorrr. See your statement attached.

Well if that will put smile on your face I concur.

Mpeace:
Three taaaazan naira portfolio. No be small something.

Before nko go try stealing Three taaaazan naira and get caught if you won't be lynched

mendes911:
Make you no dey lie joorrr. See your statement attached.

Hahaaaa, you can look for trouble o, see as you dey throw stone at Peter.

ndidigood:
u guys are kidding me right?au insinuating m a man BC l SD l like rich ladies.?l awz admire rich women,and l like saying it to their faces .l also like very tall woman beautiful or not. My darling,m a mother of 2..BELIEVETHAT.

Dont mind them jorr, it's not a crime to appreciate the goodness of God in another lady's life.

RabbiDoracle:
And you are still repeating it!!! Woman - woman na 14 years oo.

Lol.

PETERiCHY:
Really! CP so no more comment from you now that i finally got tasere units @my 23k Target price. and still hope to top up @myTARGET PRICE. Well come April 2019 their FY result will justify the means.
LOCO will bear me witness.
*ThE OcToPuS*

At least we know you are in this bus now. I pray they remain in profit and exceed expectation in the FY result.
God will keep us all alive and healthy till then and even beyond.
Loco is your witness, issorite........ noted.

Mcy56, mendes911 which broker would you recommend and their minimum deposit.

tiar:
We need to read to get a better grasp of why things happen.

The price movement of FCMB and Diamond has nothing to do with market makers (the argument over whether they really exist is another debate). Stock price movements (excluding manipulation) are based on investors' future perception of the company's performance relative to the PRESENT

Too many people keep getting carried away with Profit without looking to understand how the profit or loss came about. Diamond Bank's future has more potential than that of FCMB at this time. The last missing piece for Diamond is to get the under-performing CEO out.
FCMB declared a Q3 profit based on a fictitious revaluation of assets that generated N10B that was wrongly included on the income statement.

I will always cape for him that is down and acknowledges that he is down than him that says he is up but is in reality down in the dumps.

My brother, diamond bank is in a big mess and getting out the CEO will not bring miracle.
The problems with diamond is far deeper than what most people can see on the surface.

Sir Wanaj0 has open my eyes on most of these banks ,I can understand better now why he doesn't do tier 11 banks..

- in bear market , u will hear bearish ''facts''
- in bull markets , u will hear bullish ''facts ''

#naso

Stock Simulator

Anyone used this before ?
- http://vantage.investment-one.com/simulator/

- if u want to put on a dummy trade, there u go

See me smiling since at the 2 friends quoting each other and all that. Congrats!

Mcy please don't wait for anybody to tell you when to leave UD o. Shey you see that they didnt like the Q3 result and they didn't tell you.

For market, them dey escort person enter shop but them no dey escort am comot.

Me I don't even have money this period to be checking for what is up or down. Eku market.

fxuser:



Fidelity /Zenith

-macd above zero line but below d signal line


#timing

both in a range , u dont want to trade a ranging mkt