Welcome, Guest: Register On Nairaland / LOGIN! / Trending / Recent / New
Stats: 3,162,763 members, 7,851,601 topics. Date: Thursday, 06 June 2024 at 12:14 AM

Arambetimofeda's Posts

Nairaland Forum / Arambetimofeda's Profile / Arambetimofeda's Posts

(1) (of 1 pages)

Politics / Re: Wike, Not Atiku, Frustrated Peter Obi Out Of PDP – Paul Ibe by Arambetimofeda: 11:27am On May 13
Indeed One of the most damning verdict on Wike as an aspirant was that no governor from his zone supported his aspiration. He was busy courting and asslicking the North while taking the granted that the sS govs will simply follow him cause he saw himself as superior to the rest. It's a basic rule in politics. You can't lack home support and expect to win outside.
But he seems to have not learnt his lessons. Till now, he is still like a fish out of water in the SS.

[b][/b]IT IS NOT TRUE, OBASANJO LOST IN HIS WARD AND STIL WON THE PRESIDENTIAL ELECTION
Celebrities / Re: The Other Side Of Life: The Movie That Took Junior Pope's Life by Arambetimofeda: 2:12pm On Apr 11
thought another news was making rounds that he was revived and is alive? [/I HEARD IT TOO]
Phones / Re: Whatsapp Is Trying Hard To Kill Unofficial Whatsapp by Arambetimofeda: 10:09pm On Mar 15
Here is the flash message WhatsApp sent to me. I really don't know if they know or Investigate why people are using the unofficial WhatsApp?
YOU MAY NEED TO CHANGE YOUR PHONE, I HAD SIMILAR EXPERIENCE WITH OPPO I WAS USING BEFORE, I WROTE SEVERAL MESSAGES AND THEY REPLIED THST I NEED OFFICIAL WHATSAPP BUT THE MOMENT I CHANGE TO TECHNO UP TILL NOW, I DONT HAVE PROBLEMS WITH WHATSAPP AGAIN
Travel / Re: How Long Does Embassy Keep Record Of Visa Denial by Arambetimofeda: 5:22pm On Jan 10
Oluwole

grin[/quote]
Nairaland / General / Re: In Nigeria, 5 Habits That Can Make You Go Broke by Arambetimofeda: 12:00am On Jan 02
Bet9ja is another one, the writer did not mention[color=#000099][/color]
In Nigeria, 5 Habits That Can Make You Go Broke

In the intricate dance of personal finance, individuals often find themselves grappling with habits that, unwittingly, lead them down the precarious path of financial instability. The choices we make in our daily lives, particularly concerning money, play a pivotal role in shaping our financial futures.

This exploration centers on a critical aspect of financial well-being — the five habits that, if left unchecked, can pave the way to financial hardship. Understanding and dissecting these habits is not merely an exercise in financial literacy; it is a proactive step towards cultivating a resilient and secure financial foundation.

Impulse Spending:
Impulse spending is a pervasive habit that can significantly contribute to financial instability. This behavior involves making unplanned purchases without careful consideration of the consequences. Whether it’s succumbing to the allure of sales, purchasing items just because they are trendy, or engaging in retail therapy, the financial impact of impulse spending can be profound.

Many people find themselves swayed by the momentary satisfaction of acquiring something new, only to face buyer’s remorse later. This habit can erode savings, increase credit card debt, and hinder progress towards long-term financial goals.

To combat impulse spending, individuals need to cultivate self-discipline and create a realistic budget. Tracking expenses, prioritizing needs over wants, and implementing a waiting period before making significant purchases are effective strategies. Developing a mindful approach to spending can help break the cycle of impulsive financial decisions.

Living Beyond Means:
Living beyond one’s means is a habit that involves spending more money than one earns, often leading to a reliance on credit cards, loans, or other forms of debt. This can create a precarious financial situation with long-term consequences. Maintaining a lifestyle that exceeds financial capabilities not only depletes current resources but also jeopardizes future financial security.

Individuals living beyond their means may struggle with debt repayment, incur high-interest charges, and find it challenging to save for essential goals such as homeownership or retirement.

To address this habit, individuals must conduct a thorough assessment of their income, expenses, and financial goals. Creating a budget that reflects a sustainable lifestyle is crucial. This involves distinguishing between necessary and discretionary expenses, cutting back on non-essential spending, and developing a savings plan. Living within one’s means requires a shift in mindset, emphasizing financial responsibility and long-term stability over immediate gratification.

Lack of Emergency Fund
Failing to establish and maintain an emergency fund is a habit that can leave you vulnerable to financial crises. Unexpected expenses, such as medical bills or car repairs, can arise at any time, and without a financial safety net, individuals may resort to borrowing money or accumulating debt. Building an emergency fund that covers three to six months’ worth of living expenses provides a financial cushion and helps prevent going broke during unforeseen circumstances.

Ignoring Budgeting:
Ignoring budgeting is a perilous habit that can set the stage for financial turmoil. Budgeting serves as the financial roadmap, guiding individuals toward their financial goals by providing a clear understanding of income, expenses, and savings.


When this essential tool is neglected, individuals lose control over their spending patterns, making it difficult to allocate funds effectively. Without a budget, it becomes challenging to distinguish between necessary and discretionary expenses, leading to a potential overspending trap.

The consequences of ignoring budgeting extend beyond the immediate impact on one’s spending habits. Without a well-defined budget, individuals may overlook opportunities to save for future goals, whether it be an emergency fund, a down payment for a home, or retirement. The absence of financial planning can leave individuals vulnerable to unexpected expenses, pushing them into a cycle of reactive financial decision-making, often resorting to credit cards or loans to cover immediate needs. Over time, this can result in mounting debt and a compromised financial future.

Furthermore, the habit of ignoring budgeting can hinder the development of financial discipline and awareness. A budget not only provides a snapshot of one’s financial health but also encourages thoughtful consideration of spending priorities. Without this tool, individuals may find it challenging to make informed choices about their money, leading to a lack of accountability and a higher likelihood of succumbing to impulsive spending behaviors. Embracing budgeting is not just about managing money; it is a foundational step toward building financial resilience and achieving long-term financial success.

High-Risk Investments:
Engaging in high-risk investments is a financial habit that, if not approached with caution, can lead individuals down a path of significant financial loss. High-risk investments typically involve the potential for high returns but come with an equally elevated level of uncertainty and volatility. This habit often manifests as a desire for quick and substantial gains without due consideration for the associated risks. Investing without a clear understanding of the market, risk tolerance, and diversification strategies can expose individuals to the possibility of losing a substantial portion, or even all, of their invested capital.

The allure of high-risk investments is often fueled by the prospect of rapid wealth accumulation. However, the reality is that the markets are inherently unpredictable, and high-risk ventures can be subject to extreme fluctuations. Without a comprehensive understanding of the specific investment and market conditions, individuals may find themselves susceptible to emotional decision-making, such as panic selling during market downturns. This emotional response can exacerbate financial losses and, in extreme cases, lead to financial ruin.

To mitigate the risk associated with high-risk investments, individuals should prioritize financial education and seek professional advice. Diversifying one’s investment portfolio and aligning investment choices with a realistic assessment of risk tolerance and financial goals can provide a more balanced and resilient approach to wealth accumulation. The key lies in informed decision-making, strategic planning, and a long-term perspective that considers the potential for both gains and losses in the dynamic landscape of financial markets.


https://www.osundefender.com/5-habits-that-can-make-you-go-broke/[/quote]
Politics / Re: Military Is Working Against Us In Brass And Southern Ijaw - Dayo Israel by Arambetimofeda: 6:15pm On Nov 12, 2023
See your life are you close in anything when compared with Yoruba
Politics / Re: Obi: Failure To Electronically Transmit Results Nullifies Presidential Election by Arambetimofeda: 8:52pm On Jul 22, 2023
Tinubu is not the president that Nigeria want.
You can even out to your street and ask 10 people who they will prefer to be president. I bet it that it will be very hard for tinubu to get 2 people out of the 10 people
WHO CARES, LOVE NIGERIA OR LEAVE
Politics / Re: Obi: Failure To Electronically Transmit Results Nullifies Presidential Election by Arambetimofeda: 8:52pm On Jul 22, 2023
Tinubu is not the president that Nigeria want.
You can even out to your street and ask 10 people who they will prefer to be president. I bet it that it will be very hard for tinubu to get 2 people out of the 10 people
WHO CARES, LIVE NIGERIA OR LEAVE
Politics / Re: “Nobody Can Be Nigeria's President Without Getting 25% In FCT”—Kadaria Ahmed by Arambetimofeda: 7:59pm On May 22, 2023
YOU DIDN'T INCLUDE APGA
Most of u talk as if P. O was from another continent

Same thief that has been masquerading as Pdp, now Lp is now saint, the way u reason is below average...

Someone that cant control his party want to rule Nigeria okay.
[/quote]

1 Like

Politics / Re: Nigerian Men In Diaspora Destroy Their Nigerian Passports Over The 2023 Election by Arambetimofeda: 7:58am On Mar 21, 2023
Good riddance to bad rubbish
Politics / Re: There Are Plans To Assassinate Lagos LP Candidate, Gbadebo: Bode George by Arambetimofeda: 1:22pm On Mar 07, 2023
BABA LEAVE THAT ONE, HOW SOON ARE YOU GOING ON EXILE, TINUBU IS PRESIDENT-ELECT
Politics / Re: INEC Has Breached Nigerians’ Trust – CSO by Arambetimofeda: 12:08pm On Mar 03, 2023
All these Agbado people rejoicing and celebrating evil may evil never depart from them.

BACK TO THE SENDER, NIGERIA IS NOT LIMITED TO SOUTH EAST AND SOUTH ALONE. GET A LIFE BRO.
Politics / Re: Do You Regret Not Working With Peter Obi: See Atiku's Reply by Arambetimofeda: 9:45am On Mar 03, 2023
[quote author=Fahdiga post=121418908]Atiku is full of regrets that Obi left him. He knew he would have easily won with Obi as his running mate but Nigerians prefers Obi as the president because he is the most qualified amongst all of them. Obi is the president elect.

KEEP DECEIVING YOURSELF, PRESIDENT ELECT OF BIAFRA
Politics / Re: Peter Obi Sighted today At the Asaba Airport. In High Spirits by Arambetimofeda: 7:04pm On Feb 28, 2023
[quote author=chizidgreat post=121335999]001
The incoming President of the Federal Republic of Nigeria
The only credible man among them all
The anointed one who will retire the old thieves for us
No matter how they try, Peter Obi is the next president of Nigeria
Tinubu and Atiku will never rule Nigeria
WHY CAN'T YOU STOP DECEIVING YOURSELF ARE YOU FOLLOWING COLLATION AT ALL?
Politics / Re: 2023 Presidential: Peter Obi Floors Atiku, Tinubu, Kwankwaso In Anambra by Arambetimofeda: 3:46pm On Feb 28, 2023
This is no news
Politics / Re: Nigeria Presidential Election Results 2023: INEC Official Announcement by Arambetimofeda: 2:07pm On Feb 27, 2023
Accredited Voters 315, 056 please get ypur facts right[color=#006600][/color]
EKITI STATE REUSLTS

TOTAL LGA 16
987,647 REGISTERED
301,558 ACCREDITED

A- 69
AA- 29
AAC 108
ADC 1,0337
ADP 737
APC 201,494
APGA 268
APM 46
APP 91
PP 46
LP 11,397
NNPP 263
NRM 131
PDP 89,554
PRP 46
SDP 2011
YPP 81
ZLP 460..

Lets do some mathematics..
If Total number of accredited votes is 301,558 and APC scored 201,494
301,558---(Apc)201,494=100,064
100,064 remaining minus PdP( 89,554)
100,064--89554=10,510 remaining.

Now i ask how did LP get 11397
887 extra??
Where did other political parties get there figures from?? ADC 10337??..

This results were clearly doctored..
This is Not the credible Election INEC promised us...���
INEC Nigeria. Please somebody should correct me if I'm wrong �� obi agbawalam!!

INEC Nigeria Come and explain this confusion to us[/quote]

1 Like

Politics / Re: How The 2023 General Election Was Systematically Compromised - Dr Rex Osagie by Arambetimofeda: 8:38pm On Feb 26, 2023
DO YOU HAVE MORE THAN ONE LIFE, STAY ALIVE FOR YOUR FAMILY

Rigging or no Rigging

Tinubu can not rule Nigeria

They wanna fuckkk with us

End sars is gonna be like a rehearsal


I be Bini boy
You know how our matter dey be..we go lock am for 30 days

Na there united nation go show face for the matter after about maybe 30 days abi
Then una eye go clear

[/quote]
Politics / Re: Nigeria Presidential Election Results 2023: INEC Official Announcement by Arambetimofeda: 1:37pm On Feb 26, 2023
[b]]Yoruba people are making the same mistake they made 8yrs ago!

This particular tribe really got no sense
SO NA YOUR TRIBE GET SENSE

8 Likes 1 Share

Politics / Re: Atiku Given Assignment To Fix Nigeria Within Four Years – Primate Ayodele by Arambetimofeda: 7:24pm On Feb 24, 2023
Must he give prophecy, why is he always seeking attention. If God really spoke to him as he claimed, there is not going to be IF Atiku wins the election because God knows the Winner already. Let this man park well
Politics / Re: Peter Obi: The One Of PDP Is Over 70 Yrs; The Other One, We Don't Know His Age by Arambetimofeda: 8:27pm On Feb 11, 2023
How old was Atiku when you were his vice presidential candidate in 2019

2 Likes

Politics / Re: Bayo Onanuga: Obasanjo's Endorsement Of Mr. Peter Obi Is Worthless by Arambetimofeda: 7:37pm On Jan 01, 2023
Arambetimofeda:
Why dont you correct your grammar first
My question is """IF OBASANJO IS NOT RELEVANT, WHY DID TINUBU VISITED HIM ?

To say the truth, u can't support apc and not look stupid.
Politics / Re: Bayo Onanuga: Obasanjo's Endorsement Of Mr. Peter Obi Is Worthless by Arambetimofeda: 7:35pm On Jan 01, 2023
Why dont you cirrect your grammar first
My question is """IF OBASANJO IS NOT RELEVANT, WHY DID TINUBU VISITED HIM ?

To say the truth, u can't support apc and not look stupid.
[/quote]
Travel / Re: Why There Is No Point Going To The Uk Again by Arambetimofeda: 4:54pm On Nov 15, 2022
There used to be a time wheN the UK was very sweet. i would not even lie to you and that era was the pre- internet days. you see the beauty of the UK back theN was that

1 The world was not yet commercialized. it was strictly about culture and fun aNd having a great time. nobody was worried about money or making lots of it because everything was cheap. and also back in those days you could find like five of us naija guys sharing a flat and it was just fun and party all throughout and like all of us were british citizens back then ( yeah those who used to come pre-internet were mostly british citizens ) so we used to get all kinds of benefits so we didnt really have bills lol. just party life

2 Also what made the UK sweet back then was because there was no internet to tell you what it looked like, so you enjoyed it so much more because its like you are stepping into a world that you have never experienced before. there were no pictures of what to expect and so it wasnt cheapened ( no see finish ). it was all a mystery. now everything is on the internet

3 The caliber of naijas in the uk back then was quality guys and girls. now na every tom dick and harry oooo lol

4 Also the fact that the nigerian market was not open back then and so there was no uk goods in naija and so when we went to naija with our uk clothes everyone looked at us like celebrities. like peoppple would be admiring your uk baffs. of course today there is even no need to go to the uk because everything in the uk can be bought in nigeria now so that aspect of it has also being cheapened. like there are levis and nikes and every shop in the uk in any mall in naija now. like you can be in naija and baff better than someone in the uk now. and so there is no need to go to the uk again. Just buy your baffs in naija and flex

5 Like i said earlier the uk was not commercialized heavily back then but now its all about money. now they can even tax you for the air you breath if they can get away with it. its like the fun has been sucked out of the country and it is now all about survival

6 It has become overpopulated by immigrants from all over the world. its like that unique britishness has being lost.

AND SO BROTHER THE UK WAS ONCE A SWEET PLACE BUT ITS NOW A SHITTY PLACE. LOL. I NEED TO TURN THIS INTO A THREAD LOL AND SO TO ANSWER YOUR QUESTION BRO THERE IS NO POINT IN BEING IN THE UK AGAIN IF YOU CAN FIGURE OUT HOW TO LIVE WELL IN NAIJA BECAUSE EVERYTHING IS IN NAIJA. EVERYTHING THAT IS IN THE UK IS IN NAIJA EVEN KFC AND DOMINOS AND NIKE AND APPLE AND POSCHE AND SKETCHERS ETC ETC ETC . SO IF YOU CAN DEVISE A WAY TO EARN POUNDS IN NAIJA, ITS THE PLACE TO BE

You are 100% on point, I was in UK for over 10 years came back 1997, till date I have never thought of going back

3 Likes 1 Share

Sports / Re: World Cup: 4 Possible Locations For The FIFA World Cup In Africa by Arambetimofeda: 8:06am On Jul 31, 2022
Reigning bandits go just kidnap Portugal team carry Ronaldo and demand for $100b.

Wetin Dey give those bandits guts na him be the mystery. Our once powerful military appears helpless.

Something is happening

SO RONALDO WILL STILL BE PLAYING FOR PORTUGAL IN 2030?

(1) (of 1 pages)

(Go Up)

Sections: politics (1) business autos (1) jobs (1) career education (1) romance computers phones travel sports fashion health
religion celebs tv-movies music-radio literature webmasters programming techmarket

Links: (1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Nairaland - Copyright © 2005 - 2024 Oluwaseun Osewa. All rights reserved. See How To Advertise. 70
Disclaimer: Every Nairaland member is solely responsible for anything that he/she posts or uploads on Nairaland.