tallfish145:
400k too small for family of 4? Are u kidding me?

chiboycue:




You are a big boy earning N400,000 per month. Most civil servants in Nigeria do not earn as much as N400,000 per month. You need to cultivate the habit of saving money and fixing the money that you have saved so it can yield dividend for you. Avoid unnecessary expenses. Dont be living in a place where you are paying house rent of 1milion annually. Put your children in a good less expensive public school instead of an expensive private school. You would not have done forex with as much as N2 million. You can do other things like affiliate marketing and blogging inorder to support your income. You need to empower your wife as well.

skultrick:


Just in case you eventually see this comment, oga the truth is that 400k is very small.

I am a single man, and I over the last 6 months I spend on average 300k.

Mind you I don't have a girlfriend, I don't club, and I don't womanise.

I have to squeeze to spend 300k

So of you have 3 people to feed and very frugal, perhaps 350k would be enough. Which leaves you with 50k savings. No school fees yet.

You main aim should be to earn more that's the only way because inflation is very high and naira is very weak for a country that depends mainly on importation.

Experts are already forecasting a weaker naira in 2024.

You need to start a business, at 1m should do.

To save for a business, find a way to cut down on reoccurring expenses, even if the family have to go hungry for a while. If you can save 150k in the next 6 months you should have almost 1m.

Rejouir:
Someone just saved 4.1m still own a car o! And pays rent. from a 150k job, and you earn 400k and haven't saved shi shi.

Hmmm, this marriage of a thing ehn,a huge financial burden is tied on it. But most won't know till they sign in. You are lucky earn such, because majority on this forum haven't seen a salary of even 50k some are still looking forward to N power.

Chizy12345:
people are earning 50k and they're leaving comfortable. village at work

dawnomike:
Join a cooperative society

Rinoxy:

Pls can u give an insight to how that person achieved all u listed with a 150k job?

Duyt1798:
Hi guys!

I hope this my post gets to the FP, so I can get insights from a wider audience; even I know some might not make sense, but one thing I've learnt from the short time I joined this platform, is that - sense dey inside nonsense.

Pardon me, my write fit dey a bit lengthy.

I currently work with a multi-national startup coy. My net pay is a bit above 400k naira (this's at the moment), I've worked for about 2 years. I'm married with two kids and expecting the third.

Now my dilemma is that, I've not been able to save up funds, I feel like my living condition doesn't reflect what I earn. Shingbai like this, I no get for account. The last I could remember, I go deep hand for forex, e nearly give me hypertension (I lost about 2m). I still dey pay debt wey I incur as a result.

Now where I need assistance is, looking at the amount I'm earning, how do I spend? Please for those that will be kind enough to give suggestions, let it practically explained, as in help me break am down to the amount wey I suppose spend, how I suppose spend am, and wetin I suppose save.

I believe say many family people dey here wey get better experiences.

Thanks 🙏.

ppogba:


Totally agree with you but the truth is, Richest man in Babylon is a game changer.
All you can ever need for financial wisdom is in that book. I disregarded it for over 15 years and can only say, I regretted my action.

Surely, everything is not about books but the message for our friend is, if he is sacked today, he will survive on N100,000 monthly for months before getting another job.

Love800:
How will it be of help?

Duyt1798:
Hi guys!

I hope this my post gets to the FP, so I can get insights from a wider audience; even I know some might not make sense, but one thing I've learnt from the short time I joined this platform, is that - sense dey inside nonsense.

Pardon me, my write fit dey a bit lengthy.

I currently work with a multi-national startup coy. My net pay is a bit above 400k naira (this's at the moment), I've worked for about 2 years. I'm married with two kids and expecting the third.

Now my dilemma is that, I've not been able to save up funds, I feel like my living condition doesn't reflect what I earn. Shingbai like this, I no get for account. The last I could remember, I go deep hand for forex, e nearly give me hypertension (I lost about 2m). I still dey pay debt wey I incur as a result.

Now where I need assistance is, looking at the amount I'm earning, how do I spend? Please for those that will be kind enough to give suggestions, let it practically explained, as in help me break am down to the amount wey I suppose spend, how I suppose spend am, and wetin I suppose save.

I believe say many family people dey here wey get better experiences.

Thanks 🙏.

bigiyaro:
Cut your life style to 150k a month. After all millions of people are surviving on 100k a month.

Rinoxy:

My guy, 400k is still NOT small in this Nigeria. Because I spend 300k monthly as a single for whatever reason doesn't make ur assertion the reality for others.

dawnomike:
It enables you to save and also partake in thrufts savings. This enables you to have access to kumpsome of funds when you need such for business/investments

Love800:
Ok.
Where are cooperatives sited?

dawnomike:
You can join anyone in your city or join those reliabpe one online

emmaodet:


I don't know what people enjoy in many kids.
If you talk now, they will tell you to shut up that they are capable and can feed their kids. As if life is all about feeding alone. Even the feeding
Their lives and daily calendar is sooo Soo boring and predictable.
Monday to Friday, go to work and yansh your madam in-between, Saturday is for any event like burial or wedding invited to by co-workers, Sunday church. Finish
Yet they will be the one to first scream I can feed my kids that is why I have 5

nicho450:


Now that they are in Canada, how about the house?

Duyt1798:
Hi guys!

I hope this my post gets to the FP, so I can get insights from a wider audience; even I know some might not make sense, but one thing I've learnt from the short time I joined this platform, is that - sense dey inside nonsense.

Pardon me, my write fit dey a bit lengthy.

I currently work with a multi-national startup coy. My net pay is a bit above 400k naira (this's at the moment), I've worked for about 2 years. I'm married with two kids and expecting the third.

Now my dilemma is that, I've not been able to save up funds, I feel like my living condition doesn't reflect what I earn. Shingbai like this, I no get for account. The last I could remember, I go deep hand for forex, e nearly give me hypertension (I lost about 2m). I still dey pay debt wey I incur as a result.

Now where I need assistance is, looking at the amount I'm earning, how do I spend? Please for those that will be kind enough to give suggestions, let it practically explained, as in help me break am down to the amount wey I suppose spend, how I suppose spend am, and wetin I suppose save.

I believe say many family people dey here wey get better experiences.

Thanks 🙏.

Paramount01:



128kas a single lady not bad

Vijuchoco:
Hmmmm.. I've added business to it, the money no dey reach again

IkeGod9891:
Wch kind work dey pay like dis?

Gerrard59:


Sometimes, I am glad they have more kids provided I get to benefit from the arrangement. As long as no one tries to put the burden of taking care of their offspring and I am not living in their midst, no problem. I know how to extract benefits from such people to my advantage.

Duyt1798:
Hi guys!

I hope this my post gets to the FP, so I can get insights from a wider audience; even I know some might not make sense, but one thing I've learnt from the short time I joined this platform, is that - sense dey inside nonsense.

Pardon me, my write fit dey a bit lengthy.

I currently work with a multi-national startup coy. My net pay is a bit above 400k naira (this's at the moment), I've worked for about 2 years. I'm married with two kids and expecting the third.

Now my dilemma is that, I've not been able to save up funds, I feel like my living condition doesn't reflect what I earn. Shingbai like this, I no get for account. The last I could remember, I go deep hand for forex, e nearly give me hypertension (I lost about 2m). I still dey pay debt wey I incur as a result.

Now where I need assistance is, looking at the amount I'm earning, how do I spend? Please for those that will be kind enough to give suggestions, let it practically explained, as in help me break am down to the amount wey I suppose spend, how I suppose spend am, and wetin I suppose save.

I believe say many family people dey here wey get better experiences.

Thanks 🙏.

Duyt1798:
Hi guys!

I hope this my post gets to the FP, so I can get insights from a wider audience; even I know some might not make sense, but one thing I've learnt from the short time I joined this platform, is that - sense dey inside nonsense.

Pardon me, my write fit dey a bit lengthy.

I currently work with a multi-national startup coy. My net pay is a bit above 400k naira (this's at the moment), I've worked for about 2 years. I'm married with two kids and expecting the third.

Now my dilemma is that, I've not been able to save up funds, I feel like my living condition doesn't reflect what I earn. Shingbai like this, I no get for account. The last I could remember, I go deep hand for forex, e nearly give me hypertension (I lost about 2m). I still dey pay debt wey I incur as a result.

Now where I need assistance is, looking at the amount I'm earning, how do I spend? Please for those that will be kind enough to give suggestions, let it practically explained, as in help me break am down to the amount wey I suppose spend, how I suppose spend am, and wetin I suppose save.

I believe say many family people dey here wey get better experiences.

Thanks 🙏.

Alatise777:
one cold heineken 4 this op..you get sense bruh