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Secret To Saving Your NYSC Allowance.
1. Set a saving goal:
Set a target on the amount you want to save monthly from your allowance. It could be 5,000, 8,000 or 10,000. Do the calculation yourself and see how much you’ll earn during your service year. You can even save beyond 10000 if you are posted to a village where the cost of living is
minimal.
2. Understand the different between want and need:
That you want something does not mean you need it at the time. After receiving the first allowance some corpers will fund irrelevant things like expensive (more than half of their allowance) phone, shoes, iPhone out of the allowance. There is nothing wrong with this but before going for these these things, Think! (Will this stuff be an asset or liability) if it will serve as an asset, good! Go for it. If otherwise ignore it and discipline yourself. It is a known fact that as you grow older your toy becomes expensive but you need to be careful and make good use of your scale of preference.
3. Control your eating habit:
Don’t eat anyhow, eating from a canteen where a plate of food is say 200 and you don’t cook, you will eat all your allowance there. If l assume you eat twice in a day that is 400 per day for a month you have spent 12000 on feeding alone. You are left with 7800 and there are other needs. So buy food stuffs, stove, pot etc with your first or your next allowance. If you don’t know how to cook, that is not a crime, meet your mates
and they’ll put you through and you’ll see it as an opportunity to learn.
4. Self dependence:
It is good to be friendly but don’t let friends take advantage of you. I know of a lodge where corpers will contribute money to a girl, just for cooking. It is not wrong but don’t make it a regular thing there are differences between” I OWN ‘ and” WE OWN”. Buy what you’ll need and keep it jealously. By the time you buy food stuffs together and then you have a female corper to cook, that is where deliberation of what to eat starts coming in, you wait for someone at times before everyone eats just like partnership in business. Except you can be mature enough
to handle it, do not settle for that.
5. Falling in lust:
Dont date your fellow corper if you know it will not lead to marriage as most of them will help you spend your money and keep their own in the name of love. Don’t be deceived! You can imagine! Paying someone recharge card money, hair money, cloth money, body cream money or feeding a guy that claimed he did not receive alert., the list is endless…he/she may have a fiancé and that makes you an assistant boyfriend/
girlfriend. And for some smart guys they’ll eat the girl dry and complain of being a debtor.
6. Skills:
God has settled every one of us. You either acquire skills or you have inborn skills. So develop it, all you need is packaging. Some corps members earn what their three months allowance will not yield in a month. Even though l said earlier that you should assume
that N19800 is a huge amount, think of earning more than that in a month on your own. How? Mind your own business.
7. Grow up:
You are not a kid again! forget your age, do not deceive yourself. Stop calling your parents for financial help, stand on your own, take responsibility of your own actions and they will be proud of you. You will also feel fulfilled and believe that the future is for you to manage and not your parents.
8. Be business minded:
If you can manage that 19800 for your needs and business, if you get 19.8 million, managing it and establishing a standard business venture will not be hard, but if with this little money, you can do nothing then you will fail even if you have the whole world at your disposal. At times I borrow my allowance for business and I make sure I return it in due time.
If you complain of little, you will complain even in plenty.
Jesus is Lord and Christ.