@ Odunnu, awwwww dont worry, everything is gonn be alright, sis,,,,,,

Damn! Im bothered at the rate of unemployment in the land(9ja) and even more bothered that my two brothers are being caught in d web of unemployment after graduating almost 2yrs. God provide good jobs 4 them pls!

I need to stop lending  people money, its always trouble paying back. I need to get a new laptop ASAP

Donlittle:

i thought u said your a millionaire and going to be a billionaire be4 u turn 40?
why bother?
hmmm i guess alll lies then

Yes I'm a millionaire and intend to become a billionaire by the time I'm 40
Does that mean I shouldn't serve my country?
Does that mean I shouldn't have fun that my mates will be having?
Does that mean . . .

Cant we jst asist eachoda to solv any of dis probs? At least any1 U CAN help,wif diff. Problem here and there.
Me dnt hav problem o, jst dt i neva believ i could be caught up wit dis unemployment issue, way forward, babe desertion jst fed up right now. GOD HELP ME    oR Send som1 to my rescue hurggh@_@

Turns out she wasnt cheating afterall. She's really hurt. How do i make this right?

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?

@ SOPRANO

Thnx

@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.

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?

DEATH, DEATH,DEATH. i HATE that word a lot, aside that, nothing bothers me

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

^^guy abeg no vex eh.wasn't makin light of what you said, just addin to the fun the thread is about.take it easy ,aight! by the way, how can you pay back your debts wit that percentagenbracket you statedd?

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?

seems like i fallen behind my peers in life by some distance

and to catch up, will have to skip somethings they have already done other wise i risk always being behind,

Give all your worries and cares to God, for He cares about you.

im bothered about this girl i love so much, she's 19 and ibo, im 31 and yoruba! kai, i may end up being lynched!

10cirenoh:

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?

^^^^
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.

blackmale:

@ Odunnu, awwwww dont worry, everything is gonn be alright, sis,,,,,,

thanx mahn.
Whats bothering me now? The cost of diesel. Its getting out of reach

Skii:

seems like i fallen behind my peers in life by some distance

and to catch up, will have to skip somethings they have already done other wise i risk always being behind,

the day you realise you are not running the same race with any of your peers (or any one else for that matter) will be the begining of your redemption.
As long as you are making progress and the devil has not snatched the wheel of your life and is driving it at a break neck speed to life, there is hope.
Just keep on walking, Johnnie Walker style ,

@ultrame, nice and selient points you made there. you see pple workin and can't just figure how to spend their monies on a -strictly need to have basis but on impluse and then come here to whine.thanks man!dats wot i do exactly myself.hope pple learn from this knowledge you shared.

I tot I have the greatest problem ooooo
I now see reason y I shouldnt be frowning
my face cos of my problems.

I need to change my job and settle down with the love
of my life, I need moneyyyyy

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?

.some section of our neighbourhood have power supply and there is none in my apartment

. i have written three semester examination and yet to see any single result.

.i havent done anything on my project

.i need money to move in to my own apartment ASAP

.when will i ever get married

.If i die now, will Allah be pleased with me


ITS A CRAZY WORLD. as soon as one problem is solved, am sure another one emerges

i need to get a job fast, the money im spending is less than 1k now, its going to finish very soon how am i going to survive.

Money is what i need now and i am lonely

@fizzybaba,e no easy at all.and like you rightly stated,life is just dat way.u take k of one problem and say it's time to rest, and you have another problem needing your attention almost immediately.life is not easy at all.but you hv to kip kipin on and hope things will improve someday.we all do.

Wow! MONEY EVERYWHERE, Hw cum evrybuddy is talkin bout money? Long life and prosperity is dia u didnt request dat, 80% of all da priorities here lies in money, I tire o!
BTW! Dia must be smth good bout dis tin, i tink i'd beta stick 2 it too, Hey! Me too,,, I WANT MMMONEY OOOOOOOO!

[/quote]de-naija (m)

My neighbor's generator:the noise is killing[quote]

ok, this is an interesting one. That is killing me right now too.

Ok, my own worries.

I'm worried sick of my job function, I so want to change departments and positions but where do I really want to change to? The big worry is that I'm not sure.

I'm worried about my old parents, Christ, I've not been able to do as much as as I want to, please let them not die, part of the worry and fear is that my Dad could die anytime soon.

I'm worried that my spiritual life is not as good as it should be.

I'm worried that I don't exercise enough

I'm so worried about my relationship, I really really want to have a good, happy and successful marriage but am I 100% sure I'm in the right relationship? I fear, I fear that he's so sweet and understanding he'll probably change once he slips that ring into my finger and we exchange those vows.

for all those that are saying " i want money" definitely you all know that money will not fall from the sky, so what are you thinking of that will bring in the money? by the time you have your plans and work on it, i believe the money will come. also for those looking for jobs, why not think of creating one yourself?

i honestly believe the market in nigeria is very virgin waiting for bright ideas, anything you believe you are good at, then look for a way commercialising it.

i will also recommend this book for all here, it will at least bring out some of your wicknesses. THINK AND GROW RICH by Napoleon  Hill

yimiton:

Ok, my own worries.

I'm worried sick of my job function, I so want to change departments and positions but where do I really want to change to? The big worry is that I'm not sure.

I'm worried about my old parents, Christ, I've not been able to do as much as as I want to, please let them not die, part of the worry and fear is that my Dad could die anytime soon.

I'm worried that my spiritual life is not as good as it should be.

I'm worried that I don't exercise enough

I'm so worried about my relationship, I really really want to have a good, happy and successful marriage but am I 100% sure I'm in the right relationship? I fear, I fear that he's so sweet and understanding he'll probably change once he slips that ring into my finger and we exchange those vows.

babes i feel u on these worries, just know that we can never know tomorrow. what we have is today.

Do you tell your parents you love them? those are gestures and tokens that surpass any money you want to shower on them(not saying thats not important. You could set aside a stipend (no matter how small ) to give to them every month( i take it you are working?)

Be thankful you have a man that cares about you, instead of worrying what will happen in the future.

Cheers!

P.S Im a girl, ignore ma supposed male status 

Tolulop001:



[sub][/sub]P.S Im a girl, ignore ma supposed male status

For real
Chei how come u on the hide and seek loooonnngggg thang