This is a very interesting and sensible topic but i don't want anyone to beat his or herself up because they have not been able to save the way they ought to have. it is not too late you can start today. sacrifice is the name of the game. no pain no gain. if we look deeply and sincerely into our budgets and the kind of lifestyles many of us are living,we will be able to cut off some of the extravagances and put the difference into our savings and come few months down the road,you will look back and be proud of yourself.

to cut the long story short i have lived in the U.S for almost 10yrs now and i cant boast of $5000 (five thousand u.s dollars ) in my savings account. don't blame or crucify me , after paying school fees, pay for accommodation which is close to $1K a month ,light , water and cable bills my fellow reader i will be left with nothing. oh i forget to mention car payments and insurance. and guess what also lots of family member sits at the western union location flashing my phone. i cant say NO,

way out for me was to learn how to say NO more than yes when they come with their stories. i weigh whats more important. for instance school fees or feeding will come first before broda i want to buy black berry and iphone, can you send me the money?,  i answer No to such request. sorry i might sound mean but if you dont exist or have a job the families or friends that make you not to be able to save will survive. so learn to say NO to somethings sometimes

i have set a goal for my self to save more than i spend henceforth . how is that possible huh ? its call aggressive saving. if i eat 2 meat before, i reduce it to one and eat the other the next day and that way i cut cost on food. etc. just look into your lifestyle and cut those cutable useless things down and in few months down the road u will be able to boast of some money in the bank.

don't forget your family o, if they need serious help please do o, but you have to be able to weigh the priorities. if what they are asking for is unreasonable i said No politely.

imagine my old man that doesn't even have computer skills is asking for a Laptop, what do you think my answer will be? i will leave that to you guys to answer for me, lol,  but no yab my papa o,  .  this is just my own side o, yours might be if you take  12 bottles of(star or gulder or u take shots) reduce it to 5 atleast and if na expensive champagne, reduce it to something reasonable or go cheap sometimes u wont die. its up to u well i hope we all have gained something from the post,

thanks from dualctizen.

enjoy and don't hate cos ire aka ri, eni ti o ra ankara o le je semo o,



http://www.bellanaija.com/2010/04/26/a-fairytale-come-true-bella-adenuga-jameel-disu-wed/

pdp is freemasons in disguise, anything can happen!

whats in sudan?

first mistake is to move into a guy's house before marriage, guess what? its not too late. you have to sing it to him every time but in a nice way . my philosophy is why should i pay for the milk when i can get the cow for free? and i guess that is how (your husband) feels too. goodluck doing the first thing last.

what do you think about gynecologist? i dont think they have crazy hours but i might be wrong tho.

i dont mind helping out with house chores and the kids, what do you think about specialization in areas that are not too time demanding, ?

go take collect money for bank!

As a naija guy will you marry a medical doctor here in the U.S even when you know she will be bringing more to the table than you?, everyone is welcome to say their views.