Someone need advice!
Iv been working for 6 months now and the first salary was used for some personal purpose but he tried saving 8k with a co-operative will be given 84k by November that's times two what he has saved..And he will still have to be paying back te interest on the 84k each month. But still owes an app some money about 15k and that will be paid next month when the salary has been paid, but he will still need to borrow some money to avoid being broke. he can't do without borrowing to fill some gap and avoid been broke... What can he do to avoid getting into debt... Help a brother

Hmmn! Atleast e pass minimum wage.
Manage am.

Oluwashina72:
Someone need advice!
Iv been working for 6 months now and the first salary was used for some personal purpose but he tried saving 8k with a co-operative will be given 84k by November that's times two what he has saved..And he will still have to be paying back te interest on the 84k each month. But still owes an app some money about 15k and that will be paid next month when the salary has been paid, but he will still need to borrow some money to avoid being broke. he can't do without borrowing to fill some gap and avoid been broke... What can he do to avoid getting into debt... Help a brother

The best advice I can give you is to look for a sure low risk alternative income source.

Dave Ramsey will advice you never take any loan whatsoever and eat only rice and beans (no take outs) until you've improved your situation.

But with the state of Nigeria, all of the above may just be even more frustrating for you

The more the loan he collect, to the less value of the cooperatives money...
He should try cut some expenses like recharge card on calls and data.. maybe on 101( eat in the morning and night alone each day).
But 36k get as he be if he is a family man cos wife can endure it but baby can't.
May God help us all

This country eh!

You are even lucky to have a little above minimum wage take home job. Me, myself and i don't have a job at hand. I have no penny nor food to survive on. This life no just balance

Please stay out of loan. Improvise on the money and hope for better tomorrow

I hope we get it right this time around in the coming election

kelvincoke:
The more the loan he collect, to the less value of the cooperatives money...
He should try cut some expenses like recharge card on calls and data.. maybe on 101( eat in the morning and night alone each day).
But 36k get as he be if he is a family man cos wife can endure it but baby can't.
May God help us all

Even if he is single, just remove house rent first and feeding nothing is left

We are assuming here that working place is very close and possibly trekable.

It's not a crime to be able to change clothes, shoes or underwear when they get old/worn.

It's a very sad situation.

Oluwashina72:
Someone need advice!
Iv been working for 6 months now and the first salary was used for some personal purpose but he tried saving 8k with a co-operative will be given 84k by November that's times two what he has saved..And he will still have to be paying back te interest on the 84k each month. But still owes an app some money about 15k and that will be paid next month when the salary has been paid, but he will still need to borrow some money to avoid being broke. he can't do without borrowing to fill some gap and avoid been broke... What can he do to avoid getting into debt... Help a brother

Keep hustling, make your skills known and when possible learn new skills that can earn you more (secure) income. It will not be easy but very possible

Draw closer to God. That's all.

Ur own salary enter 36k... U're lucky, got paid 3 days ago, and right now na 3k remain, we Don use d remaining pay debt.

TAKE HOME PAY NO DEY TAKE US HOME AGAIN O. EVERYWHERE CHOKE

You cannot "Live" on 36,000 Naira.

You're merely existing.

Getting your PVC and voting your preferred candidate should be a good start...

Vote wisely, else, in a few years to come, it might as well be a suicide thread...

Kaycee54321:
You cannot "Live" on 36,000 Naira.

You're merely existing.

Getting your PVC and voting your preferred candidate should be a good start...

Vote wisely, else, in a few years to come, it might as well be a suicide thread...

tho I'm a peter obi supporter but its beginning to get irritating that when we are discussing reasonable things poeole like you have to centralize voting next year as a way out.. If peter obi is elected next year does it change his salary? Do you feel the price of transport and food stuff will go Down in a day of him being In office, do u feel 1dollar will equal to 1naira or the price of fuel will come down in one day of his being in office. Please face reality.. This guy is earning 36k a month is has nothing to do with politics. Don't be an ignoramus

Learn a new money-making skill

Healthrelatedjo:
Ur own salary enter 36k... U're lucky, got paid 3 days ago, and right now na 3k remain, we Don use d remaining pay debt.

Hmmm nawao

Stallionhorse:
tho I'm a peter obi supporter but its beginning to get irritating that when we are discussing reasonable things poeole like you have to centralize voting next year as a way out.. If peter obi is elected next year does it change his salary? Do you feel the price of transport and food stuff will go Down in a day of him being In office, do u feel 1dollar will equal to 1naira or the price of fuel will come down in one day of his being in office. Please face reality.. This guy is earning 36k a month is has nothing to do with politics. Don't be an ignoramus

Don't make me laugh.
If you don't know how the law makers and leaders of a country can influence the lives of the common man...then perhaps, you should go back to studying basic Government and Economics.

Funnily, I advised the op to "vote wisely" according to pure logic and didn't even mention "Obidience" but because you have a warped way of thinking, you decided to comment like a misinformed human.

Presidency won't affect economic situation, but na Una dey sing japa up and down.
Why Una wan Japa?
Vote Baboon to enter there na. That small salary sef Will get worse by the time you buy petrol for 500 Naira per litre.
Bad as e bad, no be my own go worse pass

Alaye, don't make me laugh abeg.

Oluwashina72:
Someone need advice!
Iv been working for 6 months now and the first salary was used for some personal purpose but he tried saving 8k with a co-operative will be given 84k by November that's times two what he has saved..And he will still have to be paying back te interest on the 84k each month. But still owes an app some money about 15k and that will be paid next month when the salary has been paid, but he will still need to borrow some money to avoid being broke. he can't do without borrowing to fill some gap and avoid been broke... What can he do to avoid getting into debt... Help a brother

Get a side hustle too bro