Emereolevanwill:
I don't ve problem with spending make I see the money 1st.

factorial1:
www.nairaland.com/attachments/2479186_index_jpeg_jpeg44bd12f4089da9c3d97727873e4a94c3

Lilimax:

So na girls dey finish people money ?

Gejpresident:
only in Africa.


here in Melbourne no need for this

Dcaliphate:

yes, on the altar of love

Lilimax:
What would you classify as peanut if I may ask?

factorial1:
The unlimited nature, wants, and needs of man makes ‘careful spending’ a tedious task for everyone. Though money would naturally be spent to satisfy a need, it becomes a more viable asset when such need is well thought out before spending on it, after which you make a quantitative expression of a plan which would last within the period of time you want it to. i.e within the range of time you want those needs to be satisfied.

It is believed that when money is unavailable, many needs begin to flow through one’s thought thereby making one feel financially handicapped, depressed and sometimes frustrated. However, once the money becomes available these needs seem to disappear from the mind and you find yourself spending on things not budgeted for.

This is the major reason for extravagant spending, financial experts say in such case one ends up spending more money than necessary.

Therefore, in order for you to spend wisely, the following must be put into consideration:

Create a plan : It is very essential to plan before your income arrives and avoid planning beyond your income. Plan and then make reserve. This helps you to withstand problems and emergencies that comes thereafter and keeps you from borrowing and piling up debts. While doing this, don’t forget to plan your spending according to the resources and important needs that you have at hand. Hence, make a list of things needed and stick to them when money becomes available.

This created plan should not be kept in thought because there is a greater probability of it evaporating at the appearance or arrival of money, hence, it should be written down and adhered to. Lack of planning and budgeting results to spending money not originally intended for, especially when they are not of necessity at that time.

Satisfaction of pressing needs: Things that are needed most should be satisfied first before the others i.e. the highly pressing issues should be at the top of the list indicating its pressure on which it has to be met. if For instance, you want to buy an expensive bracelet and a wristwatch, bracelet portrays no economic value or purpose than the wristwatch, so you can put that aside. Don’t buy things that attracts your eyes when it sure can’t serve any positive purpose

Spending within your means : This implies spending within your capability and strength and avoiding every extra cost that is not budgeted for so as not to end up a debtor. Make sure you buy those things you have already proposed to, as you have already listed out according to your scale of reference.

Contentment: Be pleased, proud and satisfied with whatever you have, either big or small. Contentment with your salary allows you spend prudently according to the limit of your income. It takes discipline to be contented in spending. When you’re not disciplined in spending, you discover that is either you bought little or what you has worth no use at all. Satisfaction helps you to be able to ignore irrelevant purchases focusing on needs and making progress within your financial capacity. Lack of this major component leads to serious extravagant spending.

CONCILIA ONUOHA

Source: http://businessdayonline.com/2014/06/how-to-overcome-spending-without-caution/#comment-631642

lalasticlala

Burger01:
On top of how much? A civil servant that earns less than 50k, how he wan plan and be contented Op!, your writeup there na fabu...until minimum wage is reviewed, to the very least, 80k

anonimi:


Kindly delete your post and send it to dollarland.

In case you did not notice this is NAIRAland.
Thanks for compliance by doing the needful.

Cc: Seun, lalasticlala, ishilove et al.

factorial1:
LOL

soe:
u r drunk...did you have to type okay?
couldn't u have just said it in ur mind?

Bia, the fact that u r a waste of sperm doesn't give you the right to cause waste of space

xmileeasy:

I will take it you were not referring to me. As for your information am not a waste of sperm as you said in your earlier quote. I value the words that I speak from my mouth. I don't want to reply you base on the sanity of your personality.

Burger01:
On top of how much? A civil servant that earns less than 50k, how he wan plan and be contented Op!, your writeup there na fabu...until minimum wage is reviewed, to the very least, 80k

bushdoc9919:


Also....as soon as you get the salary.....save something.
(One lesson I have learned the hard way)

Burger01:
On top of how much? A civil servant that earns less than 50k, how he wan plan and be contented Op!, your writeup there na fabu...until minimum wage is reviewed, to the very least, 80k

Burger01:
On top of how much? A civil servant that earns less than 50k, how he wan plan and be contented Op!, your writeup there na fabu...until minimum wage is reviewed, to the very least, 80k

whitecat1:
Leaving your cards at home and putting small cash in your pocket go a long way. You see how the money goes out when you spend cash as opposed to 'swipe me' that you hear everywhere with your debit/credit card.