Good day my fellow nairalanders.
I am presently awaiting NYSC, but ASUU is holding me from doing my clearance.
I just got a job that pays 100k monthly, it's a remote work so I don't accrue transport expense luckily.
At first I was happy, but with time after dropping like 20k for parents, monthly clothes and shoes shopping before the end of the month the remaining balance would be barely 5-10k.
I stay with my parents, I get fed. But I want to start living on my own but I believe I am not ready.
I don't pay rent, okay sometimes I feed myself, friends sometimes ask me for money, it's very hard to say No.
I noticed that i manage well when I have little but when I have cash I can't resist to buy shoes and clothes and even those expensive snacks or resist helping people financially.

So how can I save money that I can't touch even if I want to?
And those family people that earn less than 150k how do you survive?

They supplement it with excess water intake...

You earn 100k

You're not paying house rent..

You're still getting fed by your parents.

Your work doesn't require transportation fare.

Listen to me bro, i think you're living an extravagant life. If you aren't doing those things above, you should be able to save at least 25% of your income even if you want to assist your parents and a few friends. If you were married with kids, then I'll say saving such will be mission impossible.

Learn how to be frugal and try to resist the urge of spending money on things unnecessarily and confine your expenses within your income.

Parsimony is a virtue.

You can't go about buying expensive clothings and expect to save enough. 100k of today is no longer as valuable as it used to be.

I earn a little above 100k. I take care of my needs and that of my younger sister's I'm sponsoring in a polytechnic and i still save 25k every Month -sometimes more than that. And, yes, i don't pay rent as you.

That money you're earning is a stepping stone. Don't blow it all.

A typical Nigerian in this category will answer;
"Na God O, my brother".

100k salary now is like minimum wage. Whoever earns it as pay should have small portion of basic needs of life (food, clothing and shelter) only. If you try add any other thing, na mission impossible.

The questions is
Do you spend for a purpose or just spend because yr have the money.

For me i spend with purpose

This one dey talk 100k...
U never ask people wey dey collect 10k per month...

.100k is not that horrible if its just you.. as long as you no get
No nigerian girlfriend...
Dey Manage one room...
No club flexing every friday...
No pass your boundary dey find iphone promax...

We steal

You fit start hook up... it boost income very well.

My colleague refused 5o marry... Promised to marry soon as Buhari steps down... He doesn't want to have his child under the dullard....

For some of us, we've been able to do different things to feed the house and to have little to save and jolly on a daily.... Even with that, we're not finding it easy.....

But Sha, e no go better for FGN... And anybody weh the under FGN...

Na God dey sustain us.
I no get money to cook today, my salary finished 4 days ago so I went to do offloading work, omoh, we offloaded tonnes of bottle water, nutri milk, Bobo and others. I made #1700, went to market and bought rice and stew ingredients, currently enjoying my food now

With your behaviour with money, if you earn 5m, you won't still be okay.

When I was earning around 60k I was doing okay, and was staying in a self contain at that time.

You cut your coat according to your size.

Leave your parents house now!

ademasta:
They supplement it with excess water intake...

King of Sapa nation

Mrs Cynthia Okpara went to her husband's office to report him to his boss. She told her husband's boss how her husband Mr Odogwu Okpara usually squander his N60,000 salary and only gave her N30,000 for upkeep.

After her narration, the boss told her to come back on the last day of the month.

On the said day, she arrived as planned. The boss called Mr Odogwu and they all sat down in the boss' office.

The boss started,' Mr. Odogwu, your wife reported to me some days ago that you squander your salary outside and only give the family N30,000 for upkeep. So right now, I'm going to personally hand over your salaries to her from today henceforth.'

'How much is your transportation to work daily?', the boss asked.
'N900 sir', Mr. Odogwu replied.
The boss handed over N19,800 to Mr. Odogwu. 'That should take you for 22 days'.

'Do you take breakfast at home?', the boss continued.
'No sir, I leave home very early to beat traffic jam'.
'How much do you spend on breakfast and lunch daily?'
'N500 sir',replied Mr. Odogwu.
The boss handed over N11,000 to Mr. Odogwu.

'Who pays the children's school fees', the boss asked facing Mrs. Okpara.
'He does', she replied pointing at Mr. Odogwu.
'How much is the school fees and how many kids have you?'
'N30,000 per term for the two kids we have?'
'In other words, you save N10,000 monthly for each term's school fees right?'
'Yes sir', replied Mr. Odogwu.
Once again, the boss handed N10,000 to him.

'Who pays the rent and how much is it?'
'I do sir. The rent is N36,000 per annum.' Mr. Odogwu replied.
'That's N3,000 monthly right?', the boss added as he handed over N3,000 to Mr. Odogwu

'I don't want to ask about clothings, electricity bills, etc as I know both of you might be handling that', the boss said as he handed over N16,200 to Mrs. Okpara
'What's this for sir', Mrs. Okpara asked surprised.
'Money for upkeep', the boss replied her.
'But it wouldn't take us anywhere', she exclaimed.
'So why don't you appreciate the N30,000 your husband sacrifices for you monthly?', the boss asked.
The woman hugged her husband tightly and the rest is history.

*Moral:*

Mrs Okpara and a lot of women reading this don't know what their husbands sacrifice to put food on the table. Most times, they go hungry. Sometimes, they swallow their pride and engage in menial and debasing jobs just so their families can eat. A lot of times, they can't even buy good clothes to wear rather they sacrifice so that their wives and kids can get one.

A man might not tell you what he goes through to get you the cash he gives to you as telling you might make you start underrating his person but to tell you the truth, men go through a lot and need to be appreciated.every married woman reading this should say "God bless my husband".

God Bless everyone

PerfectStranger:

King of Sapa nation