₦airaland Forum

I just can't continue like this.
I appreciate the few responses.

Hello Fam,

I feel something is wrong with my finances.

Please what can I do differently.


I have been living Pay-to-Pay Check.

Please help review the family finance status outlined below.

Monthly Income: 400k

Monthly Expenses: (on family upkeep):250k

Number of Kids: 4 (Ages: 7yrs, 5yrs, 3yrs and 7month)

Residency :Port Harcourt

Savings: less than 100k

Investments: Nil

Liabilities: 750k (being outstanding balance for 1 Plot of Land I am paying for)

My colleagues who are on the same pay are living better off...(saving,investing,building houses)

Our company drivers earn 50K and I wonder how the cope.


I have considered side hustles such as:

1. Bought "KEKE" and give out as hire purchase. The driver did not fulfill his part of agreement. I sold off the KEKE after some squabbles.
2. Blogging (still researching)
3. FOREX Trading (researching...quite risky)
4. Mini Import (researching...I need help...a mentor)
5. Farming (gave money to a friend for cassava and maize cultivation in Oyo) awaiting returns
6. Produce marketing (Limited capital and time...my 8am to 5pm job won't permit )
7. Investment in Treasury Bills(Limited Capital)

The slim cash flow is putting a stain on my relationship. I feel spending 250k monthly is too much but my feels I am accusing her of spending carelessly.

Dear Autodudez,

I know next to nothing about cars.

I just got my first car ( TOKS 02 Toyota Sienna) 2weeks ago.

On my first visit to mechanic workshop, I was talked into removing the thermostat.

Now I know better.

Will the thermostat work normally if replaced?
Should I insist that the guy replace the thermostat.....if he replaces it I am supposed to pay him for the replacement?

Thanks.