₦airaland Forum

gerizzim:
drop me an email

jerchance123@gmail.com

gerizzim:
dear brother,

It is not strange as a man along the line of meeting needs in the family, we take loan to sort out som emergency. I hope the loan you took was for a wise course or project.

You said you earn 300k. it is not dt bad. some earn lower Dan dt and still try to stay debt free.

Let me quote you. " the pressure is mounting now that I am.married with a new baby". that means you had an antecedence of not managing your finance well.

I guess, you are spending money the way you were when you were a bachelor now that you are marid.
the way a man spends when he was single shud be different Frm the way he spends when he is marid.

I know times are hard but still you have to be flexible to the changes we all are passing tru.

It is not a must you eat chicken all the tym now dat you are marid . If it is fish, you can afford , go for fish. I had to take a brk frm.meat and be doing fish because meat don dey pass my power.

If you were use to generator 24/7 when you were single . It is not a must you keep maintaining generator usage 24/7 now that you are marid.

Gotv and dstv is not a must. If it is affecting your pocket, pack it one side . you can be getting news updates online Frm your fone.

it is not a must to wnt to be impressing in-law by sending money all the tym to them. Tone it down. Na when you are doing them well , they wil sing your praises. The day you no send, dem go call you stingy. you can't please them

huz rent is now getting expensive. change apartment to the one you can comfortably afford. if it is 2bedroom or room nd parlor you can afford, go for it. No go do 4bedroom when go dey hard you to pay the rent. Moreover, how many hrs you dey spend for the huz in a mnt.

Reduce the times and amount you spend on happy hour. All those regular outing should reduce. you see the little 5k ..10k ...20k you see as small money and blow. It can cook pot of soup or pay light bill.

you are likely doling out huge amount of money to relatives anytime they ask you. while it is good to give . Do it with sense. If you are doing that, reduce it. you can't solve relative or family problems with your salary. do some and leave some for other of your siblings to do.

don't spend ur money like those bizness guys. don't do regular sitting with frnds dt can make your salary in one or two days and be drinking beer with them except you both agreed to meet at the bar for such meeting or such moment wil bring gist dt wil help your finance.

you said you don't have savings..that is not a good thing. it is very possible to have savings even with that your 300k salary.
you are the one that doesn't have a scale of preference on how you spend.

I can recommend a crypto trading platform you can leverage on as side income if you are interested.

All the best!

Thank you for reaching out @gerizzim! I’m open to giving Crypto a try. How can I get in touch with you?

Stevenbright:
How many people earn 300K per month in around you?

In most cases, it is not how much you earn or have that matters but how you deploy it.

In your case, I guess you are probably living beyond your means! Or you are servicing loan(s) that makes it impossible to have access to greater part of your monthly earnings.

If you are currently not servicing any loans, then it is your life style that is the problem. You are probably living a fake life just to try to measure up to a particular standard.

You need to retrace your steps. First and foremost, know that you must not live your life to please anybody, not even your wife?

So, if your house rent is too expensive, don't renew it, rather go for a smaller one that will still adequately meet the need of your family while you invest and save towards buying a land and build yours. House rent is always the number one source of this kind of financial strain.

Equally look out for other areas of financial drains like clubbing, drinking, womanizing etc and eliminate them.

After the above steps, plan for and work out other sources of income as a side hustle.

Also, don't allow any external factors put any unnecessary pressure on you henceforth.

Thanks for your submission, bro. However, I’m not living beyond my means. I completely understand that some people live and survive on much less than 300k. That said, in one way or another, it’s still a small amount, especially considering how tough things are right now and how life has turned around me

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!!!!

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!!!!

arcttayo:
The cost of fixing the screen is 300k. A brand new one is between 600 and 700k.

The tendency of it developing more faults after repairs is extremely high oo

Kindly assist with one

Please can anyone assist with where I can play lawn tennis around Alimosho? I stay in Egbeda

Osanoghodua1:
Give your life to Jesus, learn a skill, learn Crypto currency, start with Airdrop and bounties, get married through the leading of the Holy Spirit, don't Marry a well endowed woman but be led by the Spirit of God, there is no much time to correct many errors.

Go deep into Crypto investment especially Airdrop and bounties, look for a community and join and be faithful. You will surely make it, see recent crypto Airdrops: Penguin (I got over 31,000 Penguin spanning over 9 wallets, I got Deepbooks worth over $5k+ at the current price for staking just about 5 SUi which was worth over $3 as at when staked. You shouldn't leave your life to chance, Jesus is waiting to help you.

Can you help me with skills and training. I would like to learn

Nothing big for me jare, but thank Jah nonetheless for life and gift of a child. I'm just hear to be thrilled and motivated by your success stories

Sometimes I really wonder if it is the same God that created all of us. Some people are just too weird

Kung:
Get in here

https://chat.whatsapp .com/Do8TgQ8it8MDIfaQ4lA6WW

Bro, this link is not opening.

It's unbelievable that APC will win an election under this current government.

What do we do?

Why do I feel this very accusation is cooked up against him. I'm not saying he's innocent but America is not Nigeria, that the victim is threatened with death and they keep quiet. Plus parental control would never have allowed the entire moment Diddy allegedly carried out this evil, without suspecting or finding out what's going.

Democrat Candidate is a puppet; I fear for what could happen under someone like her. Just like someone said up there, Trump is no saint, but the best candidate if you want sanity in America and the world..
As for Nigerians, they have no clear reasons why they don't want Trump but their usual APC ways and bad luck in reasoning. Little wonder we are where we are today in this country

Rivers men sef . That's how One Rivers man was boasting of how he would have used matchete to cut another man into pieces for not giving his little son , his change of 50 naira after buying sth at his shop. They are too violent

Nonsense. Their reasons are inconsequential. Most of them saying he doesn't help with the kids, but could not cite the other things their husbands do. All I see here are women who don't know their homes , and have been taking lessons from the wrong places and classes

This is where we always get it wrong: the issue is not about Obi, but bad policies and implementation causing untold hardship. Tribal sentiments won't solve the matter. Nonetheless, the president can't face half the interviews Obi faces, about economics engineering and systems for sustainable growth and development; he dodges it. Too bad this is where we are - tribal sentiments and urgent 2k deluding us from realities

helinues:
Make una try and watch any of Obi's interview or debate discussing about economy, una go vomit sha ni as dude don't even know the basic terms in economy

You can't fight the solution. The people calling China in are the problem, and the damn solution. It begins with us - It's simple.

moatacad:
Sponsored Post

What are the chances of someone who doesn't have any IT skills of learning in 3months?

[quote author=MasterJayJay post=131596741]You are the coward. After voting for Tinubu, you are now wailing. If you want to protest, go to asorock if you are brave.

When we were making noise that Tinubu is bad market, a weapon fashioned against Nigeria. Some of you ignored the noise and voted for Tinubu.

Voted? Like he actually won the election? Then France must be in Africa on the map

villagereporter:
Súpo so it is only Yòrúba that is affected? Until we unite to fight our common enemies which is this politicians, Nigerians will also be taken for granted.

Our politicians are evil and manipulative, but they are not our only common enemy. Nigerians as a whole are wicked and too tribalistic. This is nonsense for me, taking sides with another based on Language; even when the other is on the wrong side

Keep deceiving yourself. Of all girls to come cook for you, it's your insatiable ex abi?

Because the hardship and hunger no reach your side na. How can you feel the pains, when the government pays you pretty well every month.

Learn Empathy

Disaster in progress. I bet you, she's struggling to hide how wicked and insensitive she truly is, even with the little red flags you are getting. By the time you marry her, you will be sorry for yourself.

Who will like to fight that Portuguese boxer again?

Cynical!

This man likes brewing trouble, and has plenty negative energy

Gomez is playing nonsense for some time now, all in the name of being versatile. Endo too slow. Szoboslai na over shakara - playing crap on top plenty shakara. Tsimikikas na ode from time- he can't even run. Nunez na waste. Konate, na shaky shaky daddy.

All in all, klop, gambled his opportunity to win Europa for a nonsense experiment.

All hopes are not lost though. Who knows

YNWA!

Salah jinxed this game. I knew his involvement would cost us this game. Liverpool play very well on 2nd half In the period Salah was injured. Now the story has changed.

jmoore:
They are flying to many countries looking for foreign investors and at the same time trying to come out with policies that will scare the foreign investors.

That's the sad thing. Why travel in search of foreign investors, wherein existing ones are leaving. Why not work on managing and keeping existing ones first.

The prospective investors have ears; they will also do their findings to still find out, Nigeria has a lot of internal issues that can hamper their investments.

So fix the internal issues first: security, Banditory, kidnapping, Energy and Power ( very important), Petroleum resources availability, etc

Year wey just dey start??