light099:
Lanky fella from way back.
Back in those days, at some point in the past when Ipods, Symbian phones and Mp3 Player were in vogue and the best money could buy, on a sunny afternoon, a brief break from the busy day, with earpiece in my ear canal, blocking out any noise from the noisy outside, device on highest volume, seated on a public bench, under the shade of the tree, cooling off the sunny day. 9ice Photocopy playing back to back, wished it kept on playing till infinity.
I can't still figure out what kept me addicted to the song on repeat. It obviously wasn't the lyrics as it made no sense to me. Perhaps, it was the progression of the chord and melody, and the sweet voice of 9ice which all gave a solemn calm feeling under the shade and this peaceful happiness that felt so good.

This same 9ice could have remained a GOAT in the local/national music industry, he was lucky to have attained relevance before froggy and the rest came with their noises, unfortunately she gave his best friend nodding, he saw it with his two naked eyes and thereafter let his weed get the best of him.

That is one place Tuface excels. He has the most enduring music career of all time. He came all the way from the days of Plantashun boyz. Different noise makers, groups and acts came and went, different music eras, yet 2baba continues to remain their baba. His voice at 90 years would still sound far pleasant than Froggy in his prime.

I love the progression of your words; beautifully written. You however did not hesitate to show your strong dislike for an artist

dollytino4real:
money no go fall from sky so we need it

Okay. If the profit supercedes the interest in the short period of time. Why not! It's your choice.

Larrrr:
This was my husband some few months back, I just noticed that he kept on asking me to borrow him money that he never returns, still at that he will look worried about something.....I had to ask him and he opened up
What we did was that I asked for a spreadsheet of all the loans and got a plan to pay back based on the closest one.....we had to still get some soft loan from a relative and paid most, then had a plan to pay the relative back.
Thanks to God, we have cleared the loans ( including the relative own). Then I also asked my husband to delete the apps from his phone once paid.
We prayed about it and thank God he has not gone back to it
Pls discuss with your wife, pray to God to take out that spirit from you, have a plan to settle the debts and live within your means.
Know that you will have to endure during the time of the payment process.
I hope you see and read this and it helps you or someone else.

I almost shed tears seeing this. Maybe because I am also having this kind of problem or maybe because of how you stood by him to pay those loans.

Degunners:


I don't think I have low self esteem. I just don't know how to say know. I'm this kind of person that has free hands I can give out my last kobo just to make someone happy to my self detriment.

Truth be told, this might also be low self esteem as I also do this.

It means you love validation and will do anything to be in their good books.

Saying "No" is a actually a key element of having high self esteem.

dollytino4real:
na una dey make dis tin difficult 4 we legit people suffer! am really in need of money to do my petty business

Please, never ever borrow money for your petty business with these loan sharks.

It will never end well.

High interest with few days to pay.

Degunners:
I just need someone to scold me badly, maybe it will help me get sense.

Seriously I can't just believe at my age I still do the things I do.

Right now I am in deep hole of debts from these loan apps. Can you imagine someone taking loans from more than 10 apps? Yes that someone is me.

Presently if I should add up all the loans it will be close or more than 500k. The annoying thing is this is like 3yrs now I have been struggling with these apps.

I once was able to clear all the loans but like a dog going back to it's vomit, I still went back to them (I seriously need delivarence).

Why I'm so ashamed of myself is because I didn't take these loans mostly because I don't have a good source of income but because I don't know how to save and I am very extravagantly wasteful. I loving feeling rich, I can buy beer and flex anyone those I know and those I don't.

Thought getting married will help but for where like I got worst after that.

I seriously don't know how to come out of this mess I dragged myself into. Because these loan apps will only give you 7days loan with very high interest. I have been servicing these loans throughout last year and I don't want to continue this year.

I have already spent more than 200k this month alone on interest alone because I have to borrow again to be able to pay others.

I'm owing the following apps:
1. Fastmoney 70k
2. Imoney 50k
3. Gocash 38k
4. 40k
5. Palm credit 70k and counting this is long over due.
6. Kuda 50k
7. Next credit 21k
8. Mint loan 35k
9. 9jacash 12k
10. Add money 9k
11. Ncash 9k
12. Ducredit 70k
13. Ajeloan 15k
14. Easy Naira 12k.
15. Cashsea 26k

I'm even scared to add the total but this my current reality. Virtually all are 7days loan.

I don't know how a sane human being can get to this stage, I don't want to attribute anything to anyone or some village people. This is my owing making, and I have been living with this burden for long. I was hoping to get a job that will pay me like 500k at once but none for now.

I dont even know what next to do. I have alot of other responsibilities to cater for.

I don't even have friends or relatives I can run to. I am writing this because I deserve all the insults in the whole world. I deserve to the stoned. Though I will never take my life because of this, God forbid but I can't grow with these on my neck and it's really weighing me down.

I can't remember when last I genuinely smiled or laughed.

I'm determined to find a way to over come this problem. That's why I'm here.

I know you guys will come for my head but I'm already in this shot so I will accept any insult. But please if someone can say something to help me a little I will appreciate.

I'm not breathing fine but I'm currently harvesting what I planted.

Wish I can get a counselor or therapist who can help me because I'm scared that even if I suffer and clear these I might not learn my lesson because it has happened before.

What can I do please?

A lot of people have dropped series of advice. This is what I will tell you to do;
Try sending an email to all the loan apps and tell them how bad your financial state is, them tell them that they should consider extending the loan for you. With this, don't service any of them again. Start paying them each loan app by app, delete them when you are done.

Degunners:
I just need someone to scold me badly, maybe it will help me get sense.

Seriously I can't just believe at my age I still do the things I do.

Right now I am in deep hole of debts from these loan apps. Can you imagine someone taking loans from more than 10 apps? Yes that someone is me.

Presently if I should add up all the loans it will be close or more than 500k. The annoying thing is this is like 3yrs now I have been struggling with these apps.

I once was able to clear all the loans but like a dog going back to it's vomit, I still went back to them (I seriously need delivarence).

Why I'm so ashamed of myself is because I didn't take these loans mostly because I don't have a good source of income but because I don't know how to save and I am very extravagantly wasteful. I loving feeling rich, I can buy beer and flex anyone those I know and those I don't.

Thought getting married will help but for where like I got worst after that.

I seriously don't know how to come out of this mess I dragged myself into. Because these loan apps will only give you 7days loan with very high interest. I have been servicing these loans throughout last year and I don't want to continue this year.

I have already spent more than 200k this month alone on interest alone because I have to borrow again to be able to pay others.

I'm owing the following apps:
1. Fastmoney 70k
2. Imoney 50k
3. Gocash 38k
4. 40k
5. Palm credit 70k and counting this is long over due.
6. Kuda 50k
7. Next credit 21k
8. Mint loan 35k
9. 9jacash 12k
10. Add money 9k
11. Ncash 9k
12. Ducredit 70k
13. Ajeloan 15k
14. Easy Naira 12k.
15. Cashsea 26k

I'm even scared to add the total but this my current reality. Virtually all are 7days loan.

I don't know how a sane human being can get to this stage, I don't want to attribute anything to anyone or some village people. This is my owing making, and I have been living with this burden for long. I was hoping to get a job that will pay me like 500k at once but none for now.

I dont even know what next to do. I have alot of other responsibilities to cater for.

I don't even have friends or relatives I can run to. I am writing this because I deserve all the insults in the whole world. I deserve to the stoned. Though I will never take my life because of this, God forbid but I can't grow with these on my neck and it's really weighing me down.

I can't remember when last I genuinely smiled or laughed.

I'm determined to find a way to over come this problem. That's why I'm here.

I know you guys will come for my head but I'm already in this shot so I will accept any insult. But please if someone can say something to help me a little I will appreciate.

I'm not breathing fine but I'm currently harvesting what I planted.

Wish I can get a counselor or therapist who can help me because I'm scared that even if I suffer and clear these I might not learn my lesson because it has happened before.

What can I do please?

Ooo my goodness. A part of your story is actually a sorry of my life.

I have been in a battle with these loan apps for about 4 years now. Cleared it one time and still got back to it. Mine is currently about 100k and it has badly affected me, my work ethic, my mental health. I am just looking for a viable way out and it is definitely going to be my last because I can't deal with these series of consequences.

I am trying my hands on referrals now, I really hope this works out.

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FERNANDEZISBACK:

Good.. thanks for your conversation
Bless up king..

Stay blessed also.
Good to also have this conversation.

FERNANDEZISBACK:

Y've started with that word
Nothing mutual abeg..stop am..

Mutual in the sense that it is also embarrassing.

FERNANDEZISBACK:

Pls keep trying oo cos I can't stand that..it's quite embarrassing
If that thing stand up around me I would knock it down..

The feelings are mutual

FERNANDEZISBACK:

I meant men I have modified it..
So was that what you picked from my sentence
All I am saying in essence is you guys should control your little boy around women..

I didn't want to start another discussion and make false assumptions. So I needed clarification.

All I am also saying is that, this things happens. It is embarrassing to us also.
We try as much to control it when around women), we try to put measures in place also.

I just wanted you to know that, it doesn't mean we shamelessly sleep around because of an erection. NO! That is where discipline comes to place.

FERNANDEZISBACK:

What shoes
I can control my cute nipples from Poppin out when I am around women tho..

When around women! . I don't get.

FERNANDEZISBACK:

Really you comparing menses with your d**k in public..menses is natural your little baby boy underneath your fat lap is your mindset and mind control..

So, isn't mine natural? It ain't artificial, you know!

FERNANDEZISBACK:

Really you comparing menses with your d**k in public..menses is natural your little baby boy underneath your fat lap is your mindset and mind control..

Aswear, I expected this reaction.
I tried to be careful with my analogies but you simply cannot relate because you have simply are not in our shoes and can not relate.

What I did what simply reciprocate the same way you are being judgemental.

FERNANDEZISBACK:

That doesn't change the fact that it's an uncultured act..

Sometimes, you wish you have a remote control for this. This is biology really.
Probably, this is something you can relate with "Can you control your meneses when it comes?"

No, you can't but you can put things in place to avoid embarrassment.

That's why many guys put on pants before wearing boxers.

FERNANDEZISBACK:

Why can't you tho..you must lack self control..what happened to self respect and manners huh?

Did you read my last response carefully.
Let me more explicit;

Having an erection doesn't mean I don't have self control. It is possible to control but it doesn't always work. It sometimes picks up because you are attracted to someone and you might need few seconds to control it.


That's being written down, if an erection happens, I can always refuse not to have shameless sex just because of an erection.

That is discipline.

I hope you understand!

FERNANDEZISBACK:
Most men dey shameless oo..you can't control your little baby boy around women..is this how they go raping and sexualizing women all the time..
A real man controls himself abeg..haba which Kain sexual harrasment be this..

If only you have this little boy for a day at least, so you fully understand it's full dynamics.


Having an erection doesn't mean I follow it dictates. It doesn't mean, I will sleep with you.

I might sometimes not have the power to stop the little boy but I always have the power to discipline myself not obey it.

I hope you get

sotomayor:
A month ago, I was place on PEP after a condom burst. It took about 12 hours to get it handy.
Just 2days ago I completed it.

Doctors in the house, what's the possibility of contacting HIV , if I missed a day or wasn't exactly taking it at the specified 7pm but regularly.

I feel normal, I just don't trust the girl in question.
Am scared ASF to go get another test.

The same thing just happened to me. Please, where can I get this PEP drug during the weekend. I am really scared.

cocococo:
After I took HIV post-exposure prophylaxis (PEP) last year after a potential HIV exposure and which turned out to be successful cos I’ve been negative since then, I’m in another mess again o due to another babe I met not too long. We had something today (protected sex at first which later turned unprotected), and I then suggested we do a test cos I always have test strips in my house. She refused initially, but after my anger, she agreed. But before we even did it, she said she was positive. I thought she was joking o, until I did for both of us in my house, and really, she was positive—2 bands on her strip while my strip had 1 band. My only consolation is that she is on drugs (she said she started her HIV drugs June/July this year immediately after she found out about her status), but I don’t know whether her drugs have kicked in enough to make her have undetectable viral load in her body. Well, I just drove her home to be sure she was really taking the HIV drugs, and she truly showed me her drugs.

To cut the story short, I just asked her for one tablet of her drugs, and I took it right there to start my post-exposure prophylaxis, since it is the same as the PEP drugs. Hopefully, I will properly continue the PEP drug schedule from tomorrow when I go to one private hospital like that and get my own drugs, and I really hope I get the drugs tomorrow o. But no matter what, HIV isn’t a death sentence. Still hoping sha that I am fine in the long run, and I hope I take this as a final lesson. I really need to marry soonest or find someone who I really love for a committed relationship; it reduces the risk for infection if one is faithful. I’ll let you guys know how my experience unfolds tomorrow.

Please, I had a broken condom case last night. How can I get the prep drug?