₦airaland Forum

Even if we advice you, you won't take it. Anyway, you'll end up training another man's wife in school. Better use your head.

Scam

Bro, build your estate you don't rush into marriage. Marriage is not an achievement. Use the little amount you've to build the estate. Establish yourself solidly. Most of those ladies that are pestering you to marry them that you guys will hustle together, baba na wash... Don't even listen to them. Build yourself financially, spiritually and physically strong. Don't forget to pray very well before getting married in order not to make any mistake. God bless you.

Pay your tithe to any bible believing church. But I urge you to be going to church no matter what's happening the bible said we should not forsake the gathering of the brethren. It's very important. God bless you sir.

FirefliesSun:
I am so mad right now. I am so confused.
Today around 5:30, I had to visit my friend to pluck hibiscus flowers.

One thing led to another while at the flowers, I saw my friend's mother making eyes/wink and pouting to my friends husband. He just smiled back although he noticed I saw it but the mother didn't.

I can swear they are having a fling and it's

shameful. I don't know how to tell her. I am just here, very confused and bothered. Even if I wanted to tell her, how do I even start?

You didn't caught them doing anything it's just eyes wink and you've concluded he's sleeping with her. I pity you sha and the person that'll Marry you because you'll suspect everything and anything you come across with.
Better mind your business madam. If you felt something is going on only pray to God to expose and disgrace them. Because ur guess might be wrong. I don't know what you'll gain by spoiling somebody's happy marriage in the name of Amebo.

NovesaTillie:
I moved to this city because of my new job and my neighbors have been very homely and helpful to me especially the ones next flat,a young man and his wife with a kid . They have been very kind to me, sometimes when I get home late from work his wife calls me to join them for dinner and hangouts. M
My issue now is I am beginning to grow fond of the man because of how gentlemanly he treats his wife and how dotting he is of their son. He ticks all the qualities that I dream of and sometimes I just feel like inviting him over to my place when his wife is out to tempt him a little
What can I do to stop this feeling?
I don't want someone else man or to destroy a cute family

Please don't insult me. I am in a relationship though very young relationship. I'm just human admiring someone else.

Tell yourself the truth, you want to snatch somebody's else husband and it's so disheartening that this same family is very close and good to you and yet imagine the evil you're conceiving.
Pls let's be careful of the kind of people we keep close some are wolf in sheep clothing. There are just there to kill, steal, destroy and take away our joy.
My candid advice for you I'd this, better begin to distant yourself from the family or else if you succeed in your evil mission,. You've have a devastating and useless family.

[quote author=Afodot0022 post=106945464]Good day my fellow nairalanders. Pls pardon my typo errors and will just make this brief as i can. I need your inputs in this scenerio that is giving me some sort of concern.

I have been married for close to five years now and have two kids to it. My marriage to my wife has been ups and down but have always tried my best to be a responsible husband and also father. I ensure I take care of my home financially to my capabilities.

My wife happens to be a good wife though with her own flaws as she is not perfect. She always has the notion that am cheating on her and have a side chick. But to be honest to you guys, i have never had sex with any other woman except my wife ever since i married her. Though at times the temptation might come to catch some flings out there but will later decline such thought and abort any action have made to do it on the long run.. At times my wife will read chats I do have with some random girls and have the notion that am cheating. I know i have been wrong in this but attimes a man will want to be a man but as i said earlier, have never had sex with those girls. Just random chats that all and it doesnt go further or lead anywhere.

So it happened that me and my wife had a very serious misunderstanding recently that resulted to verbal abuse and also almost physical violence from the two of us. The last time i intended to have sex with my wife, she denied me and this had been in my mind and got me so angry towards her. So it happend that she needed my help for something and did not help, she started shouting and nagging and this got me angry and i almost hit her but i didn't. During those heated moment she started saying things about my cheating and so on. She said if am not cheating that i should swear with bible but i refuse to swear that night. Upon the following day i decided to even swear with bible that i have never had sex with any woman ever sinced i married her. I know i was innocent and i truely swear that very day to make her change her mindset and perception about me.

After the swear, something happened that makes me confused till this very day, I ask my wife to also use the Bible to swear that she had not cheated or slept with any man ever since she got married to me. Could you imagine that despite all my efforts to make my wife to swear using the bible, she refused bluntly that she will never do such. I asked her why but she insisted she is not going to swear.

This got me concerned and was asking myself why is this woman refusing to do this if truely she is innocent and doesnt have any skeleton in her compound. Her excuse was that she cant use the world of God to swear but mind you she is the one that prompted me to do such at first. I even seized her phone that if she doesnt swear i wont return the phone to her but despite my threat, my wife didn't not.

This lasted for hours and I later gave up on the quest. Ever since then have not being myself and have been thinking alot. My wife doesnt look like someone that can cheat on me cos have not seen any traces as such but with this her action, its making me to have a rethink about her.

Pls house i dont know what step to take as i need your mature advice on way forward on this issues troubling me. Every input will be well appreciated especially from married and experienced people.

You mean she made you to swear and right now she's refusing to swear, ogA your wife dey use your brain. Infact are you sure you're the father of those two kids ni ?
She must swear since you've sweared. Don't take any excuse from her, make her to swear.

[quote author=Dskillful post=106506136]Please don't mind my errors but I need help because I am really confused...

To cut the story short, I dated a girl for 2 years which her family and mine are fully aware, she's an Igbo girl and I am from Rivers State.

2018 I wanted to get married to her all of a sudden her parents refused, they started talking about tribal differences, I told them even my mum is an Igbo woman but they don't want to to listen. It got worst when the Rev. Fr said no they should not allow her marry me because they are Catholic. I felt very bad, but how will I do, I moved on with my life.

That same year they gave her out in marriage to one guy who based abroad, I congratulated her without any grudges. They got married and this year the man died but they have a son, the man has been buried but I still love her and she is willing to come back to me, infact as it stands we are more than lovers.

But I am giving her space so that she will mourn her husband very well and I don't want people to feel I prayed for the man to die so that I can take her back, because she said nothing will stop her this time. My problem now is should I let her go or marry her because I love her so much 100%?

If not for anything I would've called you idiot. Just because her hubby is late you're now going back to her. If you've sense you should know that the family is looking for a yanky guy that has money it may not really be because of tribal differences. Pls move on with your life, get another lady out there... You should be very concerned if the family dare give their consent for you to marry their daughter now because her hubby is late. Better think well.

Iamagoodgirll:
So I came across this post in a group

NL guys have you experienced this?, also share your view.

I NEED ADVAISE FROM A MALE READERS:

And no, my story is not made up. It’s for real, actually very real. I am a top executive of a very successful conglomerate my father founded. I resumed the job early this year when I returned from the U.K after completing my MBA.
As a result of my job, I usually find myself frequenting places I ordinarily wouldn’t want to- Ikoyi club, society weddings, conferences, etc. I’m a geek for the most part, and something of a recluse. I would rather stay in my house at the end of day and watch TV. When I became Deputy CEO of the company, I realized that I had to start hanging out at these places to build a social circle, mostly for business reasons. I am not a very sociable person, but with the help of my more outgoing cousins, I have been able to build a pretty decent network of Lagos ‘big boys’ between January when I returned and now.

During a conference in Lagos this year, I was approached by a young lady banker. She was working in the Marketing department at one of these banks, She’s pretty young- about 7 years my junior. I’m 28; this lady is about 21. You know how young these graduates are these days.

Anyway, she walked up to me and started persuading me to consider opening up a bank account with her bank and told me all the benefits of the account, etc. She looked so innocent and desperate, and practically begged me for an opportunity to see me again so that she could convince me. I ended up giving her my complimentary card. I usually don’t just give out my card like that, but I did.
Three days later, when I was hanging out with my new-found friends and my cousins at a bar at one of the Hotels on the Island during the early evening, this girl called me and reminded me who she was. She said she really needed me to open an account, and that she was eager to convince me on why I needed to open an account. My friends noticed I was talking to a girl on the phone. You know how guys are; they teased me and asked me to just play around with her and invite her for drinks.
I asked her to come over to the Hotel, and surprisingly, she said she would be there in 20 minutes. The branch she worked in is on the Island, so she apparently took a Bike and came to meet us. This was about 6pm. The girl came, and my friends all saw her. They smiled and talked among themselves in hush tones, and I talked briefly with her for like 5 minutes and told her I would make a decision on banking with her or not. She was desperate from what I could see, and she was eager to get my account.

When she left, my friends all laughed mischievously and told me in plain terms that I had to sleep with the girl. They went on talking about how all these bank marketers sleep with different men before getting deposits, and insisted that I must not be any different. Now, I’m not a virgin; I’ve had my own fair share of sex in the past, but I’ve never been one to take advantage of a girl. I knew she was desperate as she had a target to meet up to, or something of the sort. But when you’re a guy hanging out with guys, it’s pretty difficult to be the odd one out. All my friends made me promise that I’d sleep with the girl. I promised; I didn’t want to look like some geek. And I’m really trying to feel among these guys.

To cut a long story short, two days later, when I was in my office, this girl called me and tried persuading me to bank with her. As she was talking to me on phone, I asked her jokingly: “What are you willing to do in order for me to open an account with you?”

She hesitated and then she told me: “Anything you want sir.”

Gbam! That was my cue. I asked her to meet me at one hotel for drinks later that evening. I asked my PA to book a room for me at the Hotel. She came to meet me. We had drinks, we chatted. She told me that her bosses had ordered her to deliver N10million to the bank that month, and that so far, she hadn’t gotten anything. Her job was on the line, and she had only just started working there 3 weeks before. I asked her to follow me to the room. She did. I slept with her.

Surprisingly, it turns out she was doing it for the first time. She was actually a Virgin. The bed sheet was stained with her blood and all that stuff, and I was just amazed. I thought being a marketer and all, that she would have been sampled many times. But no, she was a virgin. When we finished, she was shy of looking at me in the eye. We didn’t talk much. I gave her money for a Taxi, and gave her the name of the Finance director of the subsidiary I am in charge of. I asked her to meet him the following day to open up a corporate account. I instructed the guy to open up an account worth a few hundreds of millions- probably enough to meet her target for the next 2 years if there is such a thing in commercial banking circles. I don’t know how these banks work.

Anyway, she called me and thanked me profusely for saving her job. My friends now know I have slept with her, and I have solidified my place among them as a ‘bad’ guy.

The issue is this: I haven’t been able to stop thinking about her. It’s been like six weeks now. I haven’t called her since then, even though she keeps sending me text messages asking after my wellbeing and thanking me for banking with her. She deals directly with my Finance guy so we don’t talk money ever. But I think about her every day. I think I actually have feelings for her, and the idea that I was her first makes me feel like she should belong to me. I’ve never been a Lady’s first. I’m actually going crazy with thoughts about this girl.

Am I crazy? Should I call her up and ask her out? How would that feel? How would she react? Also, considering that my friends all see her as the bank ‘LovePeddler’ would it be a good idea to still ask her out? How will my friends see me? I’m not looking for sex from her; I’m looking for something real, something intimate. I want something that’d last- probably forever.

I’ve never felt this way about any other lady in a really really long time. What should I do?

Firstly, you followed the wrong part by listening to ur friend... Imagine she's your sister or cousin and somebody took advantage of her just because she wants to save her job. Anyway, the deed has already been done. Since you've feelings for her, why not let her know definitely she'll accept you it's very certain but make sure she's not seeing another guy.

[quote author=Hopebringer post=105530868][s][/s]

No one cares.. everyone should allow the North to be overrun by Bokoharam and ISIS the way Taliban were allowed to overrun Afghanistan.

Allow them enjoy the monster they made. We should stop.wasting resources to rescue a people who can produce the likes of buhari, a nincompoop, an idiotic waste of biological matter, that thinks like an animal.

Someone who opened his stupid mouth to say an attack on bokoharam is an attack on the north

What a race these people are . What baffles me is how unintelligent these people are but they are quick to threaten,abuse and shout violence as if that's what makes a race advanced.

These horde of uncivilised people should be allowed to enjoy the monsters they made.

Imagine a race waking up and saying terrorists should be granted amnesty just because they heard we granted militants amnesty in Niger Delta in the past. They didn't sit down and intellectually analyze the pros and cons , no they seem unable to criticality think .. they are used to a life of trial and error and totally resistant to change .

What a race . Fact is even the si called quota system graduates amongst them think the same.

These guys have never been used to earning anything via merit. No

They are used to bullying and threatening their way to everything hence why in their small minds having every soldier from the North guarantees them the right to bully the south

What a foolish way of thinking again this shows how handicapped these people are at critical thinking.

I feel sad for what is coming to the North.. the entire north will be swept by famine, disease and Terrorism.

WHO, UNICEF , transparency international , World bank etc have all warned of the coming disaster in Northern Nigeria , but as always they ignore facts and follow only religious sentiments and violence . So they will make no plans to avert the warnings, and instead they will face a never before seen crisis. Trust me in all this they will find a way to blame the south.



This is big . This is eye opening and truthful

Ekele22:
Oh women! Oh women, FEAR WOMEN oo.

Well, let me not bore you guys.i will go straight to the point.

I met this girl,and we became friends,then lovers.

She likes my looks and we both share time,massages and motivational talk together.

I though I could just be friends with her,just random friend until we became so close that she practically confess she love me.
Though I have so many girlfriend which I told her but she said no problem,since we both love each other.

I ask her about her past as she told me,she has only dated a guy but they are no longer together.

I ask her why did they break up,she told me, he cheated on her and so she ended the relationship.

I did not believe this girl,my instinct was telling me,how can a 27years old girl has only dated once and they broke up three years ago.

My suspicion grew when I bleep her and she was wide down there.

I said ok ooooooo
I discovered she was so regular on facebook,what did I do?

I opened a fake facebook account added some friends and added some nice pictures I randomly selected.
I sent her friend request.

She obliged my request.
I waited for a week before I started chatting with her,meanwhile we are seeing, also keeping in touch.

This girl like bleep die but she like to pretend say she no dey bleep.


When I chatted her through my fake account,she responded,

To cut the long story short,girl way dey say na only me she get was ready to go and see a guy who just chatted with her.

Since I was the fake guy na,I was just reluctant to see her,if not na bleep she for get again.

Since now,she hasn't know am the guy with the fake account.

But am not interested so much with her again.

Fear women!! Fear women!!!

Bros u wicked ooo... Gal wey everybody on the street dey enjoy u want come personalize am... make u dey calm down abeg. Just allow guys to dey collect ooo.. na public property be dat.

[quote author=BigCabal post=104869059]Every week, Zikoko seeks to understand how people move the Naira in and out of their lives. Some stories will be struggle-ish, others will be bougie. All the time, it’ll be revealing.

This 23-year-old has an investment banking job and a couple of side hustles, but that’s not the most interesting thing about him. It’s how he makes much more money from his side businesses than he does at his 9-5, and how leveraging his privilege and connections got him there.

What’s your oldest memory of money?

I can’t think of a specific memory but growing up, my cousins and I danced for my uncles and aunts at weddings and other family events, and they sprayed us money. I liked balloons, and I understood that I needed money to buy balloons. I had to dance to get the money. It was that simple.

Haha. That makes sense. Can you tell me what growing up was like, financially?

My dad works in financial services and is a senior employee at a company he has worked at for decades. My mum did and still does a lot of business. I grew up comfortable although I didn’t understand how well the family was doing until I was older. A part of it was because I was too young to understand how money works. Also, I was exposed to a lot of kids who came from wealthier families, and that skewed my perception of money. At some point, I may have developed a bit of an inferiority complex.

For context: I went to a private secondary school and the kids there could spend $500 on an item when they go on vacation without blinking. There was no way my parents would sign off on such purchases.

However, once I started to get a wider perspective, I understood that my family was indeed doing well.

When did you come to this realisation?

That would be around 2014. I was 15 and about to leave Nigeria for uni. My dad had planned for me and my sister’s education and had a university fund for us. I had to go for my A-Levels first and I decided on a private college in Canada. The tuition was C$50k and my dad told me he couldn’t afford it at the time. Subsequently, I got a partial scholarship at the college and my dad still paid about C$30k. That was a lot of money, but he made it happen. Later that year, I moved to Canada.

Lit.

At first, I was living on a C$100 allowance every month, but my dad always ended up sending more money before the month ended. When he realised that it was more expensive sending smaller sums of money to me, he started sending C$2k at a time. Now, it wasn’t a monthly thing. The money was supposed to last me for a few months before I could request more. On average, C$2k lasted me for three to four months.

I finished my A-Levels in March 2016 and got into a university in the US to study Economics. I moved there in May 2016

How did it go in the US?

Nigeria was in a recession in 2016, so I knew that my dad must have been stressed having huge expenses in dollars. He was sending $200 every month, and I was determined to make do with it.

In my first year, I lived in school housing and was on a meal plan which had been paid for. I wasn’t saving money or working, so the $200 was everything I lived on. I finally picked up a job at a call centre on campus in my second year but I wasn’t completely committed to it. Thankfully, the minimum wage was $14 in the state I lived in. On average, I worked 20 hours in a month, which brought in an extra $200-$300. At that point, I’d say that at least half of my income went into feeding. I managed to save some $100 a month if I didn’t party a lot in the month, but those were far and between. I partied a lot when I was in uni.

Haha.

2018 was when I became intentional about making money.

How?

I saw what was happening in the financial market in Nigeria, and I was like “Wait, this could be a gold mine.” Here’s what happened: the CBN decided that they were going to start a “promo” and would be giving between 13% and 15% returns on short-term government securities. I thought that was a sweet deal and went in.

With ₦100k, I started buying and trading treasury bills. The returns weren’t a lot but I started to understand how money compounds over time. I did the math and the ₦100k would compound into millions of naira in 30 years, and I wouldn’t even have turned 50 years by that time.

However, in the short term. I realised that to scale, I needed to increase my capital. The way I saw it, it could happen in two ways: I could work more hours to earn more money or I could convince people to let me manage their money for them and charge them a small commission. I went with the second option.

Mad. Tell me how it went.

I started with my dad. I pitched the idea to him and managed to get ₦1m from him. I bought a few equities and invested most of the money in treasury bills, and it did very well. I made about ₦200k in fees I charged him.

I managed to convince a couple of other people in my family to help me invest for them and I got small sums of money here and there. I put whatever money I made from them into my portfolio and by the end of the year, I had about ₦500k in it.

That’s interesting.

I had been coming to Nigeria every summer since my first year in uni to intern at investment companies, so I was plugged into the climate. This came in handy in 2020 when COVID hit. Prices of assets all around the world dropped like crazy. I reacted quickly and sold as many treasury bills as I could and started putting money in the Nigerian stock market, which was also pretty risky at that point. But when I was returning to Nigeria in August 2020, my investment portfolio was worth about ₦2m and I had another ₦250k in cash.

You want to know why I returned to Nigeria, don’t you?

Now that you mention it, please.

I’d been thinking about it since my second year at uni. For the most part, I got my summer internships in Nigeria through my dad’s connection. My privilege became clearer and I thought it wouldn’t make sense not to take advantage of it.

Also, something happened when I was in the US that solidified this decision.

What was it?

I tried to get into an internship program at a big investment bank. During one of the interview stages, I met a girl I knew from school and her dad was one of the managing directors at the bank. We were in the interview room when one of the analysts came and was like “This is so and so daughter.” They took her from the interview room and gave her a tour of the facility. It was very clear that she was going to get the internship. I felt like I had this in Nigeria, so it made perfect sense to return and explore the opportunities I have here.

That makes sense.

I knew getting a job here wouldn’t be a problem. I had an understanding with one of the investment banks I had worked with to return to work for them when I graduated. I reached out to them, took a few tests, and that was sorted. In October 2020, I resumed work. My salary was ₦100k.

That didn’t make all the difference though. What I did between August and October did.

What did you do?

A couple of my old friends had returned to Nigeria before I did, so they had their feet on the ground already. When I got back, one of the first things I did was reconnect with them. I realised how much money they were spending when we went out.

We could go to the club and by the end of the night, they would have spent ₦1m on drinks. They split the bill but each person chipped in at least ₦150k. For the first few times we went out together, they didn’t ask me to chip in but I knew it was only a matter of time. The first time I dropped ₦50k, I knew my cash savings couldn’t possibly sustain that kind of lifestyle. I figured that they must be making a lot of money if they could afford to spend like that, which was interesting because they weren’t working 9-5 jobs — they had businesses.

What kind of businesses?

They did everything they thought could work. Eventually, I spoke to a couple of my friends and asked about businesses I could do with little capital. They gave me a couple of ideas but the most viable one was pushing large volumes of commodities. In my case, it was finding a rice supplier who needed to sell their trucks of rice and a buyer who was willing to buy.

A truck takes 600 bags of rice. Now, if the supplier sells a bag for ₦24500, I could add my markup, sell a bag for ₦25,500 and make a profit of ₦600k. The good part was that I didn’t need capital to start — I was just a middleman. The hard part was finding a buyer, but I committed to it.

The easiest way to find the right buyer was by leveraging my contacts. I asked everyone in my family and someone linked me to another person who knew the right person to call. Ultimately, it was about my connections. Between August and December 2020, I was able to sell three trucks of rice, and I made about ₦1.8m from these deals.

Sweet!

This was also the period my perspective started to shift away from my job. It would have taken me 18 months to make ₦1.8m at my day job. Naturally, I started looking out for more business opportunities. The next one happened in January 2021.

I’m listening.

In December 2020, I met someone looking to sell two plots of land in an upscale neighbourhood on Lagos Island valued at ₦350m. I told them that for a commission, I would ask around and see if I could find a buyer, and they agreed to it. I was pretty confident about it because a few of my friends’ families are into real estate development and are constantly on the lookout for properties. Within a week, we found a buyer. Less than a month later, the deal closed and they bought the land for about ₦340m. I got the biggest lumpsum amount ever in commissions.

How much?

₦20m. It was a complete dream. I mean, it was the kind of thing I envisioned would happen for me in Nigeria — being able to use my contacts for opportunities like that but I had no idea how it would materialise. Then this happened.

I was just looking at my phone over and over again, trying to take it all in. Once I got over the excitement, I knew I wanted to keep grinding. Now that I had some cash, I could afford to join a few of my friends in one of the businesses they were so big on — importing cars.

These moves. Inject it!

I wanted to see how it would work out, so I dropped ₦1m the first time when the total cost of bringing the car in was ₦4m. My cut on that was ₦100k when the car arrived and we found a buyer for it. Afterwards, I started increasing the amount of money I had in the business.

What types of cars were you bringing in?

At first, it was the old 2008/2009 Lexus RX and Toyota cars. We have a car dealer in the US who finds these cars at auctions and ships them to us. On average, it cost ₦3m or ₦4m to bring one of such cars in and we typically added a 30% markup, but it’s not set in stone.

Later, we noticed an uptick in demand for higher-end cars, so our focus shifted to the Highlanders, the newer Lexus RX, and Mercedes C-300 cars. We could make a profit of about ₦2m each on these cars. It’s only been a couple of months but we are growing and expanding the business.

I put ₦18m in the last batch of cars we imported from the US. They should arrive soon, and I expect to make about ₦4m in profit, which I think is very fair. Fingers crossed on their arrival.

Fingers crossed. I’m curious about what your earnings look like now.

Well, I still make ₦100k from my day job. But I make anything from ₦3m-₦4m every quarter from importing cars. Usually, I re-invest whatever I make back into the business and only take money out once every quarter.

What about your investment portfolios, how much are they worth now?

Most of my money is tied up in physical businesses, mostly car importation. The total value should be about ₦30m now. My other major investment is primarily in the Nigerian stock market and my brokerage account has about ₦10m in it. Because my portfolio is liquid and I can take money out any time, I don’t feel the need to save a lot of money in Naira. I have less than ₦500k in cash at the moment.

I’m very focused on opportunity cost and returns. If I think that I can make more money from my portfolio in the period it would take to ship and sell a car, I will pull money out of the business and put it into the portfolio.

Interesting. Let’s break down your monthly running costs, please.

How much do you think you should be earning now?

At least ₦600k at my 9-5. I’m underpaid at my day job, and that’s mostly because I haven’t done my NYSC yet. I love my job but I’m starting to value my time more than I value the work and the experience. The original plan was to work in the capital market for five years, then branch out on my own to start a business in fund management. Now, I’m not even interested in managing money for other people. I’m all about generating money from multiple businesses and pumping it into my investment portfolio. That’s always been the end game.

Nice. How have all your experiences shaped your perspective about money?

Working in the capital market where my job is to bring people who need money and the people who have it together has shown me that the best way to make money is to have money. It gets exponentially easier to grow wealth when you have some of it.

Also, the people around me have always been wealthy, and the more I see the way they spend and make money, the more confident I am to take risks.

Do you think there’s a part of your finances you could be better at?

Ah, yes. My investments are not as diversified as I’d like them to be. Most of my money is currently tied up in the car importation business. If something goes wrong — like if a ship sinks — it will wipe out most of my net worth.

I could be better with budgeting as well. Sometimes I need to make a purchase but can’t because I don’t have liquid cash around. For the most part, this wouldn’t happen if I’d budgeted better.

Speaking of purchases, is there anything you want right now but can’t afford?

It’s not a pressing need but I’d like a new car. I only started thinking about it when our focus shifted to higher-end cars. A Mercedes GLE-63 will be great but I need around ₦20m for it. As much as I want it, I can’t spend that much money on a car right now. My net worth has to be at least 10x what it is now before I consider it.

What about a purchase that significantly improved the quality of your life?

I paid for a one-year subscription to an online service that provides data in financial markets across Africa. It cost only $300, which was such a good deal and since I paid for it, it’s been way easier to do research. The quality of my life has improved because of it.

On a scale of 1-10, how would you rate your financial happiness?

7. I’m not doing badly for a 23-year-old, and I acknowledge that I had a lot of help to get here. I know the role my privilege has played, and I’m proud of the ways I have leveraged it. My salary from my day job is only enough for my baseline expenses, and I don’t know where I’d be if I didn’t have people to help me get into these side businesses. I’m definitely in a better place than I was a year ago. However, there’s a lot of things I want but can’t afford yet but I’m taking it one day at a time.

Source: https://www.zikoko.com/money/naira-life/privileged-nairalife-of-the-investment-banker-with-multiple-side-businesses/



I'm proud of you ... I don't mind joining in you business bro. Get me involve and I'll be most grateful.

farous:
Can a graduate with over 13 years working experience accept job offer of N85,000 monthly salary simply because the person's company had challenges and is out of job.

The daily transport to and fro to work is atleast N1,500 and such a person will still have to buy and eat morning and afternoon food,dress well and has a family. Above all,because of traffic and distance to workplace,such a person will be leaving house atleast by 5am and coming home can reach 10pm.

Is it worth it?,Kindly advise

Bondage..
But if you've no choice you can be managing it for the mean time.

don4real18:
Some months ago, I was supposed to get married to a lovely lady (Alias-Celia) whoem I thought the universe made just for me. I find it unfortunate that this beautiful story was just never meant to be. This write-up is my story.
______________________________________________
Five years ago, while we both stared at the moon sitting in my compound and telling tales of our childhood, I studied her profile. She had a perfect-shaped jaw with rounded edges, full lips, and her ability to smile with so much ease. Her skin glowed against the moonlight, and her aura filled with so much innocence. It was no surprise when I finally popped the question asking her to be my girlfriend.

Four days later, I got a yes as her reply, and it became a beautiful relationship. Our companionship was a show of true love, or so I thought. She taught me to be a better kisser, and I made her be a better lover. We did almost everything together, and when challenges came, we solved them even though she was stubborn; A bit more than me.

Many moons down the line of love and sometimes distrust, she was to relocate to the FCT, the state where her family resides. I knew I was going to miss her, and it wasn't easy letting her go.

We did part ways at the airport, and ever since then, we were always on calls. I did notice later that I did most of the calling, and as time went on as it must, the regular calls became once in a while, and soon, it became longer.

I did play a little with other girls and tried getting into a relationship with others, but it just didn't work out. Perhaps, I wanted the kind of love that they could not give in return. It was no surprise when years later, my calls with Celia became regular and, I didn't mind doing most of the calling.

Soon, I traveled to Abuja, and she didn't seem enthusiastic about seeing me, even though my love clawed at my heart with a renewed burst of energy. This time, I decided that I wouldn't let go. I stayed in FCT for a while, I met her family, and I guess her feelings returned.

I returned to Lagos to continue working, and some months down the line, I was in Abuja again to see the one that I loved. We agreed that she would have to come to Lagos, and some months after I left Abuja, she arrived in the rowdy Lagos.

She met my family, and I popped the question, "will you marry me?" in a romantic atmosphere, and she was so happy that she was going to spend the rest of her life with me.

We made plans until the event of Corona took place, and it greatly affected my business. I became broke, but that didn't stop me from traveling to 3 different states to meet her family members and her pastor in FCT.

We did agree that we were going to have a small wedding, and the day of the introduction came, and I traveled with my family, spent a lot of money on hotel bills, etc. It did go well, and that was when it started.

She reneged on our agreement on the size of the wedding. She told me that she wanted to have her dream wedding although she had no money. I could not bring myself to spend so much on a wedding only to end up eating hand to mouth in my marriage. It became a back and forth argument. Her dad wanted it small, but her siblings wanted it big. My mum did try to advise her, but she felt my mum shouldn't have a say in her wedding being a supposed generation Z.

I did have to look for ways she would be happy without spending too much. Then the counseling issue came, and I was informed to come back to Abuja by her pastor. It was inconvenient, so I told her to recommend virtual counseling because I'm not ready to go and spend a lot staying there. She was mad at my response, saying that it was disrespectful, suggesting such to a supposed man of God, making it disrespectful to God.

I did try to let her know that we could use the money to do something else, but she was adamant. After some time, I did succumb to her demand, but she felt that it should not have led to an argument in the first place and decided to call the wedding off. I tried calming her down and even suggested that we postpone it, but she wouldn't budge with a reason so petty. It hurt at first. It made me lose focus for a while, but I guess I've pretty patched up now hence my decision to share with you all.

God bless us all.

You try ooo.. thankGod you allowed her to go... Yku you made the right choice.

Golden147:
Good afternoon everyone..
Please I'm kindly in need of advice... ignore my typing ERROR..
There's this girl I love and I want to settle down with her. She's still in school while I'm still in school too. She's 22 while I'm 24 nd also in final YR and we both love each other..my mum has supported me to marry her.
I proposed to her and she said yes...I plan going her house next month next to start official martial rites but I'm afraid.
Here is my reasons

She's the only girl and the last daughter in a family of 5boys. Ever since we started dating, she's in 100l then, all her school burdens are on me..I take care of her and mine own...with this people around who knows about our RELATIONSHIP ask me to marry her to avoid story that touches the heart..which he has accepted , her mum nd dad have accepted it too.
My major concern about this girl is that those his brothers are not willing to do anything, istead the came asking me for small small money when I'm back, knowing fully I'm just dating thier sis....most times the my girl always feel ashamed of her brothers nd keep cursing them. The can't even call her on phone unless she calls them...nd the will keep asking why she didn't call them all this while knowing fully thier sister is in school nd not working.

I have thought about this over and over again, how do I marry from a family that can't even assist in anything...I know marriage is not always Rosy, what if something happens tomorrow nd I needed thier financial support..the can't render to me.
I discussed with my mum nd she told me I'm marrying thier sister who is well trained nd not the brother..that I can decide not to give them money again... But I'm very sad over this.
It's only the father and mum that acknowledge I hay been trying to see their sister through school expenses, including food and wears.
I discussed with my woman, she started crying, saying she knows her brothers are such a disgrace, telling me how she may commite sucide if I didn't marry her... She cried that she can't visits her house again... that her only hope will be to start prostitution which she can't see herself do that nd that's why she is going to commite sucide if I eventually leave her, all her social media handle is full with my picture, including her profile pictures.

Please what advice do you have for me.... should I let go of this girl, I don't mind letting go all I have already spent...I just want to make sure I won't regret the marriage tomorrow...I have already discussed with my mom nd we plan on going her house officially by August ending..but I'm still very worried.

Matured advice please

Face ur studies and still marry her forget her siblings...

adaperry25:
I checked a job website and found a company advertising for 2 positions and they fit my job description perfectly. Is it ideal for me to apply in both or select one and apply? Need some guidance

You can apply for both.. there's nothing wrong except it's stated otherwise.

Igbojihadist:
Good day nairalanders there is this very girl I love so much. I have expressed my feeling to her but she keeps telling me she is not ready yet. It has been four years now and am finding it difficult to move on or love any other girl.

Its ruining me as all i do each day is to think of her, atimes I might decide not to call her again within three days or what she would call me telling me is this the type of love I have for her. I am overwhelmed but she doesn't understand how i feel (please i need advice) plz anyone who would remind me of the present economy should stay off as ur problem is not mine.

You're only lusting after her. And honestly you're not a correct guy at all. How can a man be wooing a lady for four years and you're still willing her and yet nothing is working. Bros abeg receive Sense.

Onyi90:
Good evening great minds of Nairaland. Please i need your honest contribution.
I currently work with a private clearing company that pays me weekly allowance of #30,000 - #35,000 and a monthly salary of #60,000 totalling 180 - 200 thousand every month.
However, I was among successful shortlisted candidates of a paramilitary agency recruitment exercise of the FG as a BSC holder.
I made enquiry on the start up pay and discovered is around #75,000- #83,000 for my level entry.
I don't know if i should go for the federal job with a lesser pay or remain with my current job.
NB: Date to resume to the training camp for the FG job is just around the corner.
Honest thought are welcome. �

To be honest with you, if you're planning to become your own boss, continue with your current job and be diligent in it... Don't just be earning salaries also learn the job
But for job security and for steady growth baba abeg go for the Fg job. Tho considering the Naija security situation joining a security agency job in naija is at ur own pery because you could be deployed anytime to confront drugs peddlers and you know what it's means. So just do ur critical thinking very well and make the right decision.
Tho Fg Job is a bae... But joining the security agencies baba ur life join ooo .

Abeg connect me right now I'm job hunting... I need a job

alexola20:
Dis one no get sense.

Just hear urself... The guy did the right thing ooo... He'll definitely get another lady out dere ... He shouldn't go Into marriage with such lady if not he'll regret it.

andronite:
HI guys,

My friend who is a US citizen, single, no kids, no wife, and has been working in the US for close to 10 years. Things have gone well and he was planning to settle down this August. So he came to Nigeria about one and half years ago to do introduction and engage his high school sweetheart. Note, this is also when they officially / seriously started dating . All has been well, and the both of them, their families were preparing for the wedding in August. However, last week he just discovered that his fiancee recently went to visit her ex boyfriend. When he confronted her, she said she went because she was bored, and she refused afterwards to change her phone number (he wanted to stop them communicating), saying she didn't sleep with her ex, and she only went for a hangout in his house.

My friend has cancelled the wedding as we speak, and everybody is begging him to re-consider. Between, the lady's age is within the range of 33 to 36. And my guy is between 37 to 40. He is confused as we speak, because he is taking a hard line on the issue, he doesn't want to start his marriage life on a wrong foundation. At the same time, he is feeling hurt because of her unseriousness.

What should he do?

.


She go receive Last banging.. he did well by calling off the wedding. That's the best option.

[thankGod you already know she's using you for her own financial benefits probably she will collect money from you and give to another guy. Baba, runaway she's a gold digger and a fair weather friend.. they're so many ladies out there better dump her and get urself a better lady.

Talk to higher authority. This is ur career we're talking about. But, better still, put it to God in prayers.

Marriage is meant to be enjoyed & not to be managed. Sir, I feel ur worries and pains. Pls, run for ur dear life, that lady will kill u, take all ur properties, & still go ahead to marry who she truly loves. I can tell u she came for the money. Get a good lawyer, file for a divorce base on threat to ur life I'm telling u, ur request would be granted by the court as long as u can u ve prove...pls, run for ur life, some women are evil, jezebel, agents of darkness.

File a divorce immediately before u die b4 ur time...get rid of such woman and her family in order to save ur head.

What transpired in ekiti state yesterday was a sham, a show of shame..
Well, ekiti ppl be ready to face herdsmen in ur state because hmmm...

I would suggest u move on with ur life...life is too short to be spent with a wrong fellow. Even if she change for now in d latest future she will still go back to it. Just, forgive her but pls don't marry her. Just an advice bro.

Just imagine what a bastard is saying...Ur family blood is next online to be wasted..Amen.
Sorrow and misfortune shall forever be ur lot.

the exact statement:
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