₦airaland Forum

Duyt1798:
Hi guys!

I hope this my post gets to the FP, so I can get insights from a wider audience; even I know some might not make sense, but one thing I've learnt from the short time I joined this platform, is that - sense dey inside nonsense.

Pardon me, my write fit dey a bit lengthy.

I currently work with a multi-national startup coy. My net pay is a bit above 400k naira (this's at the moment), I've worked for about 2 years. I'm married with two kids and expecting the third.

Now my dilemma is that, I've not been able to save up funds, I feel like my living condition doesn't reflect what I earn. Shingbai like this, I no get for account. The last I could remember, I go deep hand for forex, e nearly give me hypertension (I lost about 2m). I still dey pay debt wey I incur as a result.

Now where I need assistance is, looking at the amount I'm earning, how do I spend? Please for those that will be kind enough to give suggestions, let it practically explained, as in help me break am down to the amount wey I suppose spend, how I suppose spend am, and wetin I suppose save.

I believe say many family people dey here wey get better experiences.

Thanks 🙏.

Two ways to do it
A vault account or contribution group (a.k.a meeting) where you forcefully put the equivalent of weekly 20k or above. Gather it 1 or 2yrs at once and purchase one investment
A loan to the tune of a particular asset or investment purchase. Of course you'd forcefully paying back from salary account within 1-2 yrs.

Well it ripens in the future when the asset/investment appreciates or start bringing returns so you have to first "suffer a little" to enjoy forever.

Meanwhile, you're most likely living above means. Consider things like your rent, kids school etc. Are there really no liveable options that save you at least 100-200k yearly which can be repurposed into feeding, healthcare or savings/investment abi you just wanted to be dragging shoulder within the neighborhood?
How's your betting, partying lifestyle costing you? Forex etc nko??

nairalanda1:
LP did not lose because fraud. They lost because they split the opposition vote.

APC had no business winning. They had mismanaged the economy, and only won in 2019 because Northern votes came out enmasse for Buhari. All PDP needed was to lead a united front.

The sad thing is that Obi and Atiku could not compromise, plus Kwankwaso was off doing his own thing. Result....APC cruised to victory.

If all the votes that went to LP, PDP and NNPP went to one candidate, they would have won, and Tinubu would have been sent into retirement.

The thing is, opposition candidates lose when the party is divided. As seen here in 2003, where the opposition to PDP was divided into three parties, and one of them ended up backing PDP.

Even if only Kwankwanso did a Joe-Biden move and ran as vice with Obi knowing the unspoken north-south rotation of the presidency in Nigeria. He would have put himself a strong foot ahead of taking over as the principal should anything happen or in time to vote for the next administration which would be North.
Add up NNPP votes to Obi and that Kano would have given Obi 13 as against other candidates 12. Well we know what happened in Rivers etc and Tinubu didn't even get 11 states but that's not the focus here.
Just put the blame on the opposition. I'm blaming Kwankwanso more cos he's move was uncalled for. It's like he just wanted to be one of the contestants with no intention of campaigning, gaining popularity nor winning even in future.

BluntCrazeMan:
Heyaa..

The craziest thing about all these things, is that the so-called Labour Party are still entered recent elections without doing anything to prevent or overcome or be above the so-called “Electoral Fraud”, and yet they are still going to enter into more future elections without doing anything different.

They are there busily harvesting people's money for nomination forms, and leaving them out there all alone in the cold and wilderness.

Their crazy outing in the recent Imo State Election was the Father of all Planlessness ever recorded anywhere.!!

Leave Imo state out of it. LP had no candidate to compete with. Athan Achonu didn't have a general recognition nor sympathy from the populace and is from the wrong zone at the moment.
Infact, no party fielded someone to drag with the incumbent supreme court mandate. PDP candidate, Senator Anyanwu was rightfully from Owerri zone but isn't even generally liked by his own people nor party to start with, neither is he popular across the state.
The APC government didn't need to stress themselves but crooks will always act like crooks and they were busy writing outrageous results when nobody dey pursue them.
Imolites had no visible interest in that election, APC couldn't have gotten up to 200k votes neither will PDP and LP be so horribly behind in count.
The incumbent was going to win but Yakubu result writing madness couldn't allow them to do so with dignity. Imo and Lagos were the top (if not only) election APC could have beat their chest and said we won and can win without voter intimidation or result manipulation but they fluffed that chance.

1,500 daily for hard labour?

Block moulder minimum 9-10k for 5bags per day
Mason minimum 7k per day
Labour/helper to Mason 4k per day
Conductor/Driver/okada minimum 4k per day
Morning market sellers 4k
Loaders at block industry or timber market make more than 5-8k per day
What of shoe mender, vulcanizer,
Fan Ice cyclist/trolley operators

Many things dey but na mumu dey enter this kind company hard labour with no pay. Use your hard labour wisely, you need money to fix your body.

SimeonOTC:
Good day sir, please I recently got a Palm pay pos, please what review can you give about it??

Palmpay, Moniepoint, Opay, Baxi are all good and same quality
About what the other person was telling you concerning hotspot and battery life, the solution is to get extra SIM of the most favourable network for browsing in your area. Share your existing data from your main SIM of your smartphone.
No need for putting and removing SIM cards in POS.
No need for buying extra data bundle.
No need for hotspot wahala

Thanks18:
Pls how much did you bought it?

Oga POS is not more than 30k
You can get from 15k
Baxi, Opay, Moniepoint etc
Go to their offices

TruthsFM:
Which one is easy to manage. Already powerbank dey to power the POS machine. Can someone in the POS machine business narrate his experience he has with the 2 machines.

All of them are equal in terms of service and popularity.
Moniepoint and Palmpay receive transfer alert directly on the machine. I don't know if Opay does it.
Make your enquiries from their offices or dealers.

Elsucre24:
I will be 31 this year. Omo the age is scaring me and I keep feeling like I’m not doing enough. I have a stable job in the private sector with a 400k monthly salary. But I still feel the impact of the economy badly. I keep asking myself, at what point will I start living the good live?
I feel stock sometimes because my job is very demanding and I almost do not have time to do other things, mind you I’m in the medical field and I work Mondays to Sundays most times but occasionally I have some Sundays to myself and sometimes a day off during the week. I can’t seem to be able to start a business as a side hustle cause most of the side hustles I can think will demand my presence at least for the first few months and I don’t really have that.
My girlfriend is pregnant, I really wanna keep it but she’s not ready, I’m not even sure I’m ready. The only way she can keep it is if I’m going to get married to her before the pregnancy starts showing and I’m as confused as hell cos I don’t know if I’m ready. Bla bla bla

Pls I need adult minds to advise me on what I can do.
1. Do I start a business, what kinda business can I start with at least 2M that will not require my full presence?
2. Bla bla bla
3. Should I insist on keeping the pregnancy and hope that things start making sense? This means I have to get married tho.

Thank y’all.

"Marry" her
You don't need to wed or do any legal protocols
Inform her people that you're too busy for the marriage rites or you can still attend if you wish
Tell them you want to close the marriage list including bride price with money
E no go pass 200-500k depending on how you wan show yourself
Have your child and Go ahead with your life and business

tasalanoni:
The idea of a babymama sounds somewhat immoral, deceitful and wicked to me. I believe that if a lady is good enough to produce a child for you, she should also be good enough to be brought close as a wife rather than a mere baby making machine

SINGLE MAN?
ADOPT?
IN NIGERIA?!

Not all ladies want to marry. Marriage is not by force. You might as well "marry" the lady traditionally that's by meeting their people and letting them know she's with someone. This is recognised but not rites are not complete. It's like what the foreigners call civil union.
You don't even need to live full time with the person and this solves the guilt, shame of just baby mama.
This is a traditional contract, no legal registration etc.

mistacoco2:
Hello guys,

For some days now I have been on a serious dilemma whether to resign from my federal government job that pays me above N200k for my current position and migrate to the UK or stay in naija and set up a business to augment my salary. I will be 34 years next year, bla bla bla bla bla..

Cc:Justwise

Business and Investments
Even it's to open POS, laundry, provision shop
Even if it's to enter transport or digital skills services
Even if it's to buy just half a plot in a bush worth 200k every year..
Even if it's to acquire just 50k worth of crypto or shares on regular intervals

beekind:
I am the 2nd born out of 2 children, my elder brother has been married for some time with no kids as a result I am super careful with issues relating to fertility.
I am in my late 30s and have been dating a 27 year old lady for 4 months now, the relationship moved so fast as she is a perfect match for me..
She complained of irregular periods so I told her to do a hormonal profile test and see a gynecologist, turns out she has got PCOS.

I have done my own fertility test and I am fine, I am at a cross road now, I cannot afford to struggle with child birth considering my age and also my only other sibling still also having issues with the wife also still trying to get pregnant after many years.

The only other option would have been to ask her to try for pregnancy before marriage but she is a virgin and wants to keep it that way till wedding, besides if I disvirgin her, how will I be able to walk away incase she doesn't get pregnant ?

My heart is heavy and I am confused, I need good advise as I cannot discuss this with anyone.

The important thing in life is getting a partner that understands situations and supports progressive moves.
Flee if she's still unwise or trying to trap you with guilt.
If you don't know how to leave her then start getting younger side chick to impregnate and marry either her head go correct or your lineage future will be corrected from fertility issues. If everything is ok with you as a man, you have no business worrying about one lady. Based on your family's situation both you and your brother should even be taking polygamy abi na polyamory very seriously.

Forget virgin anything. All of them na virgin and u na mumu.
Na u dey pressure yourself.
Church and counseling is deceiving both of you.
Marry her traditionally.
Propose, move in together, get pregnant (even have kids), complete marriage rites as time goes by or at once after first pregnancy/childbirth.
An Igbo adage says "Dem no dey marry woman finish."

The man is the table.
If he hasn't realised this, if he hasn't made the table, if he's unwilling or ignorant on how to organise the table, the union will be a failure.

okey94:
Some said that even if you prevent this laon people from getting your information for embarrassment , they can still withdrew your money with your bvn through the help of CBN only if you have delayed enough to pay back the loan .

N.O capital letter NO, they can't
Withdrawal from account is authorised by you when they ask you to bind ATM card.

The solution is to BLOCK THE CARD and UNINSTALL their apps after receiving the funds.
Then use TRUECALLER app to block spam calls. All their numbers are spam numbers.
They can't do sh"t

Map1:
Am about to download 5 loan app now with intention of not paying, what is delaying me is the inclusion of the BVN which i don't want to add.I need the money seriously.

Mention their names lemme tell you the registered ones to avoid.
e.g. owing Fairmoney, Carbon, Branch will affect your bank records incase you need loan

1)Never use the same phone number for WhatsApp and BVN/loan app. This can also save you from hackers and robbers.

2) BLOCK YOUR ATM CARD that was linked in registering on the loan apps. That's the way they can withdraw from your account.

3)Do not use your main account for loan apps or go and open another bank account for your family and business transactions.

4)Do not install or use loan apps on a smartphone filled with personal pictures/videos or Lock the gallery in Vault and privacy folders.

5) UNINSTALL the apps immediately the funds are received in your account. Copy their payback account details on a note. Do not wait to default, they run mad even before defaulting.

6) If you have not borrowed from them please hurry up and go collect as much money as possible. Let's welcome them to Naija.

Adasun:
I will try and make this story short and I need your advice please...

... I noticed my brother who is 14yrs have this spiritual paranoia...he suspect many who came for condolences as if they were coming to attack...

I left, only for my mum to call me that something is not right with my bro... He talks to himself, seems lost sometimes and have little to no regards for anyone.
...

This boy hates mum for no reason and often said she is not her mother.he sometimes threatened to kidnapped his immediate Younger brother or slap his elder sister.

He becomes aggressive and most painful part of it all right now is that he steal.

Meat, money.he just develop the habit of stealing...

How do I handle thia?spiritual, psychological and any way possible to retrieve my Lovely lad, such advice is most welcome.

Thanks...

There's nothing spiritual about this. The murmuring, spiritual utterances or paraphernalia, stealing, stubbornness and violent threats are clear symptoms of something you would not agree..

He dun join street and is on colos..
This is the beginning or intermediate stage..
Just like every other Nigerian family I've encountered, you people would rather blame it on some spiritual or blame a neighbor of evil machinations until this boy is gone far..
Solutions and their excuses
*Send him away long time to rehab with handcraft skill acquisition (una no get money)
*Everybody combine to show him greater madness before he thinks he can subdue the household, general beating even binding him with chains and metal lock (you are not around or too busy, your mom and sisters are softhearted)
*Last resort;Get him down. A heavy blow to a joint incapacitate him on crutches or bedridden if necessary

okoolori:
What are you people before, ehn?
Nna mechionu jaare ..
Wetin Una get for imo state with all Una braggadocios mouth 👄 like morufu...

What's LP business in Imo state with this argument? Voting for Peter Obi has nothing to do with LP, he could have been in PDP, NNPP, YPP or whatever. How is that your headache?
LP candidate in Imo state is not popular across Imo nooks and crannies nor from owerri zone, PDP candidate is from Owerri but still not generally popular even in Owerri, some didn't like him. With the absence of Ihedioha, Rocha's and similar people on the ballot, Uzodinma didn't really have opposition because nobody cared. But they still went extra miles with thuggery, vote buying, writing of ridiculous results. 🤦🏼‍♂️smh

There's a reason you called it obidients movement not LP movement, nobody is going to be blindly voting for anyhow person that comes under LP. That's exactly the cancer that corrupted PDP and APC.

Ezmans:
remember adeleke case

What about Adeleke case are you referring to?

EJEGBULEJE:
What about you vacate the stolen Land of the Palestine??

Was it stolen from your father?

Has there ever been a country, republic, kingdom or any sort of sovereignty called Palestine in world history even under Muslim Ottoman empire.

So the people that ran away from Bama to Maiduguri and beyond because of Boko Haram insurgency, if they and/or their offsprings return to Bama in future, you'll now be supporting the Boko Haram descendants against them. Telling the Bama returnees to vacate stolen land

Jews and Islamist invaders, which one existed first in Canaan/Judea later called British Palestine territories seeing that Islam was the last religion to come into existence?

Why are you attacking only Israel since the British Palestine territories was divided in 1946-1948 to become two countries called Jordan and Israel??

Why is Jordan not also been told to vacate stolen land, because they're Islamic but is Israel is Jewish??

Tob456:
Who were the sisters staying with

Two were staying with her and the youngest two with her aunty. At the moment they are all staying together.


And what is the age group of the sisters??

They are underage 17,15, 13 and 11 years old.

No problems then if, the lady and her aunt/relatives will be catering for the Siblings;

Peaceable option: They all not permanently in your place 24/7.
13 and 11 to boarding school.
17 can find a job.
17 and 15 should be learning a skill.
Any One of them can be rotating from the aunt's place.

Petty option: Inform and bring in any number of your own siblings/cousins too.

Hell option: Go and live in your own family house if it is close by. Save yourself costs and allow the heat of natural selection to do the job for you.
It's either they're gone away from you completely or they're going into your neighbours/relatives households as in-laws.

You can still play the games women play by accepting to what she says to go into marriage and bring in your child then give them hell out of your abode within or after a year.

In all you do, the key point is to ensure you are not exhausting yourself to cater for them. They can stay close to their sister, join her in business etc but not dependent on you for their welfare.

If your feeling is mutual with the suitor and there's love or likeness not arranged marriage then Anybody advising you against the marriage is a witch including that your relation. End of story.

@29,30 what haven't they trained you in school all this while only to pop out now to stop the marriage? Why will his condition of furthering your academics be based on unless you drop marriage? No be JuJu. Make Una dey know who tie Una destiny.

nick50:
Igbos has many sub-groups such as. Nsukka,izzi, onitsha, ikwerre,etche etc
..me as an igbo man I understand ikwerre language more than Nsukka or izzi but ikwerre deny they are not igbos

Simple facts @bolded

Ikwere is not Igbo
Ohafia is not Igbo
Ika is not Igbo
Owerri is not Igbo
Ngwa is not Igbo
Egbema is not Igbo
Izza is not Igbo
Okija is not Igbo

Nobody is Igbo. Did it stop them from marginalising you and raping your resources?

Make everybody rest abeg.

Person wey suppose dey push barrow or ride okada extra, e go dey pour all him reservoir inside ocean.

GO TO YOUR BANK AND PUT A STANDING ORDER ON YOUR ACCOUNT.
e.g if salary is 80k, immediately salary enters, mum/siblings get 15k, wife/housekeeping 45. If you like go and kill yourself with the remaining 20k and trek for another month.

I have a 6flat 2storey building along the tarred road between FUTO and Federal poly nekede.
DIRECT TO OWNER

The second plot is totally fallow for further developing and has a back gate exit to another street.

SUITABLE SITE FOR: Office Apartments, Telco/Brand HQ, Residency, Church, School, Gas plant, Pharmacy, Hospital, Supermarket, lodge/hostel, Eatery/Lounge, Hotel etc
Price 70m -slightly negotiable.
Call/Text 08058482190

coputa:
I have to tell you the truth, those cars You mentioned above are fuel gushers...

Sonata and Elantra are as economical or better than Toyota Corolla, Camry range. Put Elantra and Corolla of the same year side by side and you'll see that they're basically photocopy of each other.

Xtraordinare:
Thanks sir, but if I may ask what's your reason for preferring the Crv over others, as you know I will be buying it Nigerian used because my budget can't afford a Belgium.

Pontiac Vibe is best but small. Would have recomended Sonata but SantaFe is second due to elevation. Naija no get road.

You want to tell me there is no clean edition of belgium Cr-v or RAV-4 within that amount? Impossible How much is highlander?
Have you considered a brand new car from innoson or geely?

It'll even be better to borrow a lil bit more money and get a clean or spanking new car.
With ths kind amount, there's nothing like Nigerian used. If you hate that 4million, bring it to us who value it.

Someone slapped your mother and both of you are still alive for this story?

When we finish that one fess then you tel us whose fault it is that you are childless. Are you still virile sef or you just leave only the woman to be going to hospitals?
IVF through Egg donor or sperm donor. bt if can't pregnancy try surrogacy, 2nd woman etc

Adoption should be done out of love and finality not desperation. If you or your wife happen to bear their own kids later, wickedness might ensue. Already she hates adoption. Everything has boiled down to
Get ursef anoda woman

onuman:
Imo state governors build and maintain infrastructures 98% in Owerri only. Every Imo governor is told to build Owerri to international standards;...
Is that zoning in Imo State?

Imo governors are told by WHO? Is it same Owerri people the govs are beating &shooting?
And WHY can't you show the 98% projects in Owerri? Orlu governors have ruled 20yrs out of 24yrs since 1999. The other 4yrs was Okigwe. But Owerri people who are also suffering, are your problem instead of calling for good governance.!
Every governor anywhere in the world does eye service christmas decoration and painting of medians in the capital. How is that project?
Every institution since 1999 is outside Owerri mostly in ORLU zone.
UDENWA built orlu road, international market, stadium, teaching hospital etc.
ROCHAS and UZODINMA built and rebuilt same orlu road, uni ideato, poly omuma, made umuagwo to uni, malaysia market obowo, nursing school and college of education etc all outside Owerri.

onuman:
Bolded: from Day 1 till today, (OWERRI PEOPLE) hurriedly dragged and located..
..(THEY) never thought of what could be left in Okigwe and Orlu..
..does that look like (OWERRI PEOPLE) like development in Okigwe and Orlu? What do you think that made (OWERRI PEOPLE) force then gov Evans Enwerem to locate Imo State University in Owerri..

Should we also blame Asaba, Enugu, Abakiliki or Portharcourt people for other parts of their state that is not rapidly developed?
You're either a child who don't know history or ur blind hate is irredeemable.
Imo Uni Uturu, FGC Okigwe, Adapalm ohaji, Avutu poultry, College Umuagwo(nw university), Imo Airport etc were they all located in Owerri? FUTO was the only uni, Alvan and Nekede were jst colleges in diffrent communities.
You've continuosly failed to show me the Owerri community where these ur modernisations happen?
I'm not Indigene of Owerri but U just sound like the bigots that hate Igbo people no just reason.

onuman:
Hate Owerri? No.
Point is let's have Okigwe and Orlu modernised by IMSG, at least 1/3 of the rate it has been modernising Owerri. Will you not like that?
When Imo state was created, the three towns were nearly at the same rate in modern development. I don't understand why you brought in matter of other rural areas in Owerri that are not on the same status with Okigwe, Owerri and Orlu.

Just prove what i said that you don't know Owerri. I just mentioned communities inside Owerri. Show me the Owerri community that is so modernised as you portrayed. Douglas rd and Wetheral rd is not the beginning nor end of Owerri.
And if you keep blaming the people of Owerri for the useless rulers in the state or the eye service projects governors do in capital then furthering this discussion with you is useless.
Have you seen an Owerri person that wants Orlu and Okigwe to remain less developed?

TsbAfrica:
I nor call anybody name o ... Nah you drag grv enter the matter Kai

never said u did. Na una still drag am come and started mentioning he has an igbo parent forgetting that the likes of Desmond Elliot and 3 of current S/W governors have igbo wife/mothers. We were not even interested in him. I personally wished and knew quite well that Sanwo-Olu will be retained if he's working like some Lagosians are saying. And like i said before, Igbo people don't pick interest in other people's governorship.