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IceColdVeins's Posts

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FamilyRe: Not Your Money But Your Honest Advice by IceColdVeins(m): 1:10pm On Dec 30, 2024
Please and please...crypto is not for someone like you.
Jerchance:
Thank you for reaching out @gerizzim! I’m open to giving Crypto a try. How can I get in touch with you?
FamilyRe: Not Your Money But Your Honest Advice by IceColdVeins(m): 1:05pm On Dec 30, 2024
Jerchance:
Hello Nairaland!
I'm reaching out for your honest advice:
Today, I woke up feeling overwhelmed by the uncertainties of life as a father,with a 9-5 job that doesn't pay much. I've struggled to make ends meet. I have no savings to fall back on, and the pressure is mounting now that I'm married with a new baby. My salary of 300k is quickly depleted by responsibilities and debt.

Could you offer some guidance on how to improve my financial situation? What skills can I learn or what steps can I take to increase my earnings, considering I don't have any savings to rely on?

Thanks!!!!
Let me advice you as someone who was also in debt for a long time sometime ago. I also got into debt when my net salary was about 300k. I took the loan due to my impatience to sort an issue. I even had to take a few more loans to sustain whats lost in servicing the initial loan. It grew worse months after months as I had to start relying on salary advances and payday loans to survive. It was only my love for cars that made me not to put up my car for sale in a bid to start afresh. Light started shining upon me, when my salary rose to 730k after about two years of financial darkness. It was crazy and I understand how you feel, I was single though, so it helped a bit. I learnt great lessons and experience on how to survive on zero budget no matter what.

My advice:

- Your wife needs to support if she is employed, if she isnt, then she needs to get a job no matter how small (some jobs are underrated but there's a lot of money in them if you know your way, for example: fuel attendant). It will ease the burden a bit. My then Girlfriends did a lot to support me, one was a sales rep in a big pizza eatery (name withheld), her salary was 30k but she made a lot of money on the sides. This girl gave me over 500k in total, fueled my car a lot of times bought me clothes and all from her side hustles on the job.
Your wife can start some petty food business if she cooks really well, it will expand with time

- Start cutting down on payday loans or salary advance, if any

- Look for side hustles, take a leave of absence and register on indrive/bolt/uber if u have a car or there's a car u can hire for a short time (I even had to register my car on indrive at some point)

- Stay away from betting

- If you have skills (electrical/wiring, artistry, interior design (painting, wall paper and panel designs etc), you can learn and put the skill to use. Just build an online portfolio for people to reach out to you...You'd be surprised.

- Jump on sales deals like car sales, gadget sales, apartment sales and rent etc..referrals for sales deals bring cuts and commission. You dont evn neeed to know the buyers or sellers...You hear someone wants to sell or buy a car, connect with car dealers on Jiji and add your commission to it. Same for phones, go to computer village to look for best deals for anyone that wants tobuy a phone. I have made hundreds of thousands this year on referrals. And guess what, they will call you again when they need similar deals and you are already building connections for yourself already. That was how i started my gadget business and now i'm a registered seller.


- Start aggressive job-hunting....if your salary was a bit higher, things wont be this tight. The real liberation came when my salary rose
Car TalkRe: Which Of These Should I Go For As A First Car by IceColdVeins(m): 6:31pm On Dec 24, 2024
AirBere:
It depends on your line of argument.

Do you mean that Nigerians complain too much? I'll say yes.

In the UK precisely Scotland where I stay, the line of thinking is different and it's true that the average Nigerian is mentally poor which I also agree.

But the fact is that AC consumes fuel. May be not much but this is fact. Without doing your research via Google, you can put it to test with your own ride.

Drive same distance without AC and same distance with AC fully powered on and check your fuel consumption level.

May be not by much but AC do consume more fuel...this is fact!
He was making sense until he mentioned AC.
PropertiesRe: Find A Roommate In Lagos(only Graduates Please) by IceColdVeins(m): 9:42am On Dec 24, 2024
A lady needs a shared apartment in surulere or yaba environment..
please dm
BusinessRe: What Has Been Your Biggest Source Of Income In 2024? by IceColdVeins(m):
- my salary
- Gadget sales
- Domain flipping shocked (this one na owo blow if you are a genius with a sprinkle of luck)
- Sugar boy AKA (small boy big God)


Lost a little to crypto while i was learning.
FamilyRe: How So Many 'Straight' Husbands 'Cheat On Their Wives With Other Men' by IceColdVeins(m):
I wonder how it sounds when two dicks clunk like swords and ball sacs rub against each other with tiny sparks like samurai shields.
.................I guess I'll never know
FamilyRe: Which Hand Are You Saving ? Picture on it by IceColdVeins(m): 3:03pm On Dec 06, 2024
The day you find a cure for cancer is the day you start counting down on your life.
It wont be up to three years that the big pharma guys will have you murdered.

Y'all think no one found the cure for cancer all these while?
FamilyRe: . by IceColdVeins(m): 4:32pm On Dec 03, 2024
Go check your blood pressure
FamilyRe: Smart Tvs Available For Sale by IceColdVeins(m): 4:13pm On Dec 03, 2024
Its high time y'all learned that buying a used TV is like playing russian roulette.
I'll rather buy a 32 inches brand new TV by a reputable brand and from a legit showroom than buy a buy 50'' inches used TV. I know y'all wanna save money but it always ends in tears most of the times.


Cut your coat according to your cloth....when it comes to home electronics, whatever your money can afford, pls buy brand new.
Only buy used stuff when the seller provides a proof that the item was bought brand new not long ago.

My 2 cents
CrimeRe: FCT Police Stops Notorious Car Theft Ring , Recover Vehicles (photo) by IceColdVeins(m):
16 cars in four years.
Even if you make 1 million naira (which I doubt) profit from each car. Technically, thats 16 million in four years, which translates to 4 million in a year (smh), thats not so different from 350k per month on the average, with this amount, you cant even live an average life in an urban area and that's what you gonna end up in jail for?... It's a really low ball and not worth it. Smh

@lalasticlala
Technology MarketRe: House Clearance Sales.. Come In Here!!!! by IceColdVeins(m):
Sold
Technology MarketRe: House Clearance Sales.. Come In Here!!!! by IceColdVeins(m): 8:42pm On Nov 07, 2024
johnstar:
Number?? Condition
7046160300
No issues, serviced ... I have a bigger one so stopped using it a very long time ago.
Technology MarketRe: House Clearance Sales.. Come In Here!!!! by IceColdVeins(m):
Sold
Technology MarketRe: House Clearance Sales.. Come In Here!!!! by IceColdVeins(m):
Sold
BusinessRe: What To Do To Make Money Online? by IceColdVeins(m): 12:27pm On Nov 02, 2024
Rwshd:
Something as simple as a Google search can solve many questions posted nowadays on this thread, but people will rather use that time to type their question, only to be at the mercy of other people like them who might decide to respond or not. Perhaps, It's because Googling, as a skill, is still underestimated.

My people, time and attention are vital tools in this craft o, and many of us only frequent the thread for valuable updates and solutions to novel problems (e.g., Afternic ACH palaver, virtual card failures, price promos, etc.).

So, before heading over here to ask a question, you can simply visit Google first and search "how to [your specific problem]" or "what is [your question] (without quotes, of course!). For example, "what are DaaZ nameservers?" or "how to transfer my domain from Namecheap". You'll be surprised by the amount of info you'll get and how much time that'll save the domainer community.

Many websites (registrars, marketplaces, payment apps, etc.) also have live support accessible via their chat box; feel free to explore that option, too.
I don't totally agree to your assertion.
Asking questions and getting responses on platforms like this forms a part of documentation and guide for future inquiries.

If noone had asked in the previous pages, I'm sure you won't have been able to point anyone to that direction.

I can't count the number of times that I googled something and it brings me to nairaland cos someone had asked the same question on the platform earlier.

While I admire your platform recommendations for quick resolutions, I still insist that information can never be enough. Policies and things change, so allow peeps to keep abreast of updates and gather info however and as much as they can.
Technology MarketRe: House Clearance Sales.. Come In Here!!!! by IceColdVeins(m): 12:11pm On Nov 02, 2024
Mercylike:
Is the sound bar wireless?
wired
Technology MarketRe: House Clearance Sales.. Come In Here!!!! by IceColdVeins(m): 7:36am On Nov 02, 2024
IceColdVeins:
TV 32 inches for sale 100k
Sound bar 70k

Not negotiable
Both bought new three months ago and average use time for both is below 15 hours cos I have two apartments and I rarely visit the other apartment where the gadgets are.
TV sold
Sound bar available
7046160300

Technology MarketRe: House Clearance Sales.. Come In Here!!!! by IceColdVeins(m): 11:15pm On Nov 01, 2024
Pejubae:
Share your contact, please
7046160300
Technology MarketRe: House Clearance Sales.. Come In Here!!!! by IceColdVeins(m): 4:39pm On Nov 01, 2024
Caleb4show:
How about the soundbar picture

Technology MarketRe: House Clearance Sales.. Come In Here!!!! by IceColdVeins(m): 11:46am On Nov 01, 2024
Malamkwabo:
Your contact?
070
46 1
603
00
Technology MarketRe: House Clearance Sales.. Come In Here!!!! by IceColdVeins(m): 11:45am On Nov 01, 2024
Malamkwabo:
Your contact?
070
46 1
603
00
Technology MarketRe: House Clearance Sales.. Come In Here!!!! by IceColdVeins(m): 11:45am On Nov 01, 2024
Kindledlight:
Where is your location or how can I contact you?
070
46 1
603
00
Technology MarketRe: House Clearance Sales.. Come In Here!!!! by IceColdVeins(m): 11:44am On Nov 01, 2024
tziz:
Picture of Soundbar..
070
46 1
603
00
Technology MarketRe: House Clearance Sales.. Come In Here!!!! by IceColdVeins(m): 1:58pm On Oct 30, 2024
Kindledlight:
Where is your location or how can I contact you?
Lagos pls dm
Technology MarketRe: House Clearance Sales.. Come In Here!!!! by IceColdVeins(m):
AutoChick4U:
Ok. Dash me the blender
hmmnn
I don't cook actually, so I have an extra blender to spare you though
Technology MarketRe: House Clearance Sales.. Come In Here!!!! by IceColdVeins(m): 8:56am On Oct 29, 2024
achorladey:
No contact and location.
Lagos TV sold
Technology MarketRe: House Clearance Sales.. Come In Here!!!! by IceColdVeins(m): 8:55am On Oct 29, 2024
AutoChick4U:
you won't leave it for ur side visitations?
Planning to refurnish next month
Technology MarketRe: House Clearance Sales.. Come In Here!!!! by IceColdVeins(m):
TV 32 inches for sale 100k sold
Sound bar 70k sold
Not negotiable
Both bought new three months ago and average use time for both is below 15 hours cos I have two apartments and I rarely visit the other apartment where the gadgets are.

BusinessRe: What To Do To Make Money Online? by IceColdVeins(m): 6:42pm On Oct 25, 2024
Colleagues,

Is it advisable to outbound via imessage, my iphone has a usa phone number configired on it, I used to make free calls and sms on it before it stopped working lately but imessages still works fine.

What y'all think?
BusinessRe: What To Do To Make Money Online? by IceColdVeins(m): 11:09am On Oct 25, 2024
Favourdman:
Sold
Congrats
Hold time?
Outbound?
RomanceRe: Facts About Bluefilm by IceColdVeins(m): 12:38pm On Oct 24, 2024
I disagree with some your opinions here.
FamilyRe: Nairalanders Help Me Choose An Apartment by IceColdVeins(m): 9:23pm On Oct 23, 2024
I live in one of the best estates in lagos and it's totally worth it.
So I'll pick apartment 1

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