ehix89:
Bros you too sabi book, i have always been of same opinion with you, when i air my view, my friends always think i am dumb but i know i think smarter than them, building a house is very very good but building it with little or no stress (it doesn't have to completely affect your life balance i.e the quality of school your children goes to, the quality of food you eat and your quality of life in general) is best. My opinion is for the OP and the husband to sell the house if that is the investment she is talking about and set up a business or two that will yield steady cash inflow.

SirVintageCock:
2k can clear the bush pending when you fix your net. Or you can get the net and pressure him to put it up. No matter how crude it is, it will still serve.

Stop having kids until things turn around.

sexysage:
Ma'am you've gotta carry your cross. This is what my mom faced for twenty years before my dad died 2013. This man's case isn't ordinary aside from the fact that he himself is foolish .I can bet he won't change cos people like this are usually reprobate minded. Leave him to himself ma'am and face your children squarely. Do not open leg for him anyhow cos you're the bread winner else you poo where you eat.
My mom did this and today she has two potential medics and a diplomat in school. In all I can boldly say God has been faithful to her cos she was faithful to the man when he was alive.
Keep pushing ma'am, your children are the benefit and investment that will profit you from the marriage.

midnighter:


Politics is like music or acting, in fact all of them are forms of entertainment

For every person that "made it" there are a million failures still waiting for their "big break", and their families suffering needlessly behind them

That guy is not being realistic. In fact he is being vain and selfish by allowing his wife to shoulder the whole burden while he wastes time

Acidosis:
So as inflation is rising, you will bury your money in the ground and sleep on like the unprofitable servant in the New Testament?

dazzlingd:


Your myopic views make u think this way, if every one owns a house, by now, your world would have been destroyed.'

For every new land developed, think of the impact on the ecosystem, from the little insects to the grasses and forests you wipe out, to the rocks you break and materials you gather to construct your buildings lead to deaths, loss of habitats and extinctions of plants and animals.

Then think of the congestion and pressure you will add to drainage, waste, pollution.... The flooding, earth quakes, landslide etc u are experiencing are signs
U people should continue exploding in population and expanding, sooner or later, the earth will fight back in form of natural disasters and eventually an apocalypse that will restart your civilisation all over again

Acidosis:


Owing a house is not vanity but it shouldn't be placed above owing a viable income source or liquid investment. By liquid, I mean, investments you can easily turn to cash/withdraw. A personal home is not an investment. It appears like a money-saving strategy, but it barely saves anything.

kevoh:

You are mixing every thing up and do not see where I am going with this. Like I said what works for person A might not work for person B. You are still making the mistake of one size fits all.

Building on the outskirts and renting it out as long as you have the financial capability is fine by me. This means your only worry will just be when will your tenants pay to recoup your investment and also means that your financial power is not low.

But struggling to put up a house on a low income, for example, only to move your family to some far away community with no good roads, no good schools, no light, burglary attacks e.t.c just so that you can avoid rents of 50k or 100k and still struggle to feed your family makes no sense.

Acidosis:


It is NOT going to pay off on the short or long run. Not having a job and not being able to pay rent is more than enough reason to avoid spending all resources on a building project. Many of our aged parents made this mistake. A lot of them died poor with nothing. Only the children benefited at the end of the day by selling off the property.

Landlord harassment is not enough to provoke one into building a personal apartment. That anger should make you work harder to pay your rent, not spend what you don't have raising a shanty house.

The desire to raise one's income should supercede the desire to "lower" expenditure/expenses.

How can you even lower expenses by spending so much on a personal house?

Do a quick calculation;

Annual rent = N100k

Personal apartment/land = N2-3m (in a small town)

What's the sense in the above? 3m is rent for 30 years (assumed 0 inflation). Add 30 to your current age and tell me what you have.

That 3m in mutual funds, or a risk-free investment like TBills will yield at least 350k annually with 0 work. From that, you pay your rent easily, and increase your networth in a sporadic manner over a very short timeframe.

Sanchez01:

So many of your angles are wrong!

Rent accounts for over 50% of the problems in marriage. In a country where the average Joe barely earns 100k monthly, breaking the barrier of rent is like winning a jackpot. And if you think becoming a broke landlord is insane, wait till you get overwhelmed by financial demands in another man's house while your rent due date edge closer.

Most people think venturing into a business automatically translates to steady inflow. What you don't realize is that mishaps are very common with personal businesses and just one would have been a problem in another man's house as you'd need to secure loans or borrow to temporarily stay afloat. Typical business folks who mostly survive this ugly phase often go as far as selling other stuff they own to stay alive in business. It is not the same with people who don't have other money raising properties to fall back to when things get ugly.

My family stopped paying rent in Lagos since 1999 and growing up, there were moments when money would be scarce but the single thought of not worrying about paying rent eased so many things.

Plus while you brazenly suggest they sell off the property, you failed to ask what state it is situated, which should have been your major concern before going further to talk about whether or not the move was wise.

I think we all should learn to put 'just my opinion' after suggesting some things in this section so that we don't end up destroying lives in the name of counseling. Opinions are opinions and some, if not most are somewhat dangerous.

As unwise as you think the move is, I'd advise you invest your last penny in a landed property and conveniently add swag to soaking your Cassava flakes in your own property, after developing it to a reasonable extent.

lereinter:

Broke family and still doing project

SirVintageCock:
2k can clear the bush pending when you fix your net. Or you can get the net and pressure him to put it up. No matter how crude it is, it will still serve.

Stop having kids until things turn around.

tonididdy:


So apparently the animals and insects deserve to live a better life than humans.

Well done sir.

bukatyne:


Welcome to the Nigerian Christian praying to the Nigerian god.

Uchechi20:
I just created a new account for this post, please i need mature advice. My husband has been so broke for years now, he never ever gets money if we have any emergency for my kids sickness, school fees, etc. He likes hallucinating about how he will be rich by getting one juicy political appointment cause he is into politics. Sometimes he hustles to just get food and it ends there(this does not come often), no basic needs like school fees etc. Before you judge me as not being supportive, i am not employed at the moment but i struggle and hustle the little way i can to assist in the house upkeep. I paid school fees, i even gave him a large some to add to our ongoing project but the money unfortunately didn't complete it.

Now our room window net spoit and there is a big bush just around the window. He is not doing anything about fixing the window net as usual, i didn't nag him. I just closed the windows permanently, but i noticed this morning that he opened the windows through out last night, same as the night before. My two children sleep on the same bed. He had to put us at risk like that just for ventilation sake without considering what could creep into our room.

Please i need serious advice on how to handle this, he collected all my savings to add to the project.
NOTE: He leaves the house everyday to come back very late, cause he still serves this political big guys yet there is nothing to show for it.

kevoh:

Lol...don't see it from that angle. See it this way, their presence leads to a balanced ecosystem which in turn leads to a better quality of life for humans.

showafrica:


I tell you, tie money down in one useless structure. When a good business can just return that money 100% in few days

opeano:
I feel your plight. You have been a good woman all along and it's evident that you are patient with him...

From the look of things, your patience is still needed. Looks like he is not comfortable with Heat and you are also not comfortable with Cold. If you actually point it out subtly to him how dangerous it is opening up that window while it's having a Bad Net. I believe he wil reason with you.


When a Man is Broke, he is always ready to fight. Don't bruise his ego for no reason and please Pray together. If you both don't do that. You may struggle for longer

Uchechi20:
I just created a new account for this post, please i need mature advice. My husband has been so broke for years now, he never ever gets money if we have any emergency for my kids sickness, school fees, etc. He likes hallucinating about how he will be rich by getting one juicy political appointment cause he is into politics. Sometimes he hustles to just get food and it ends there(this does not come often), no basic needs like school fees etc. Before you judge me as not being supportive, i am not employed at the moment but i struggle and hustle the little way i can to assist in the house upkeep. I paid school fees, i even gave him a large some to add to our ongoing project but the money unfortunately didn't complete it.

Uchechi20:

Please i need serious advice on how to handle this, he collected all my savings to add to the project.
NOTE: He leaves the house everyday to come back very late, cause he still serves this political big guys yet there is nothing to show for it.

Elliot2:
U don't know this life. Someone I know too well was in Op husband's shoe. As far back as 2008 he had been serving politicians but got nothing. I saw how the wife nagged the man to death considering that she was the one footing the bills in the house. Just recently he got an appointment in Bayelsa State. Nigga has more money than all his mates now. Now the wife is humbled. If I were him I would get a second wife.
P.s. The wife is my blood relation.

Mursz:
She just had to let us know he is broke! Loving, caring, supportive, all that one no dey o. “ My broke husband” was the title she could come up with.

Men work hard, if the money never show stay away from these women so we no go dey labelled broke.

Elliot2:
Life itself na entertainment. it may sure for u,but not the other. Na God.

Sterope:
With this mindset, you should be comfortable spending all your money on lottery hoping one day you will be set for life.

Acidosis:


It is NOT going to pay off on the short or long run. Not having a job and not being able to pay rent is more than enough reason to avoid spending all resources on a building project. Many of our aged parents made this mistake. A lot of them died poor with nothing. Only the children benefited at the end of the day by selling off the property.

Landlord harassment is not enough to provoke one into building a personal apartment. That anger should make you work harder to pay your rent, not spend what you don't have raising a shanty house.

The desire to raise one's income should supercede the desire to "lower" expenditure/expenses.

How can you even lower expenses by spending so much on a personal house?

Do a quick calculation;

Annual rent = N100k

Personal apartment/land = N2-3m (in a small town)

What's the sense in the above? 3m is rent for 30 years (assumed 0 inflation). Add 30 to your current age and tell me what you have.

That 3m in mutual funds, or a risk-free investment like TBills will yield at least 350k annually with 0 work. From that, you pay your rent easily, and increase your networth in a sporadic manner over a very short timeframe.

babyfaceafrica:
you too noticed abi?..we all should stop fooling ourselves, no money,no happy marriage..love died a long time ago!!

Elliot2:
lol. I have seen people several times packing sands from the road sides after rain fall. They build their houses from those residues. Those ones cannot save money up to 100k for house rents. Every little 2k n 5k they get,they put to the project. It is not foolishness.

seyijosh:
My advise to this family not to sale the house but should both get job that can meet with their needs and from the extra put aside should continue with the project. the project is an investment for old age when they can no longer work. and by then it will worth the hustles.

pocohantas:


Oh pls, enough of this I know someone. We all someone, we all know life.

Lots of you guys on NL love to whip up senseless logic to support your own. Are men the only ones with grass to grace stories? Should that stop a sensible man from providing for his own as e dey hot?

Spare me the bullshit and deflections. He should work and take care of his family FOR NOW!!