₦airaland Forum

Poor people in Germany are equivalent to Nigerian millionaires. Q.E.D.!

Mr. President, why would they struggle when the minimum wage is far below expectations? The government is enriching itself while the masses are suffering.

I believe Iraola is coming to Liverpool.

You can imagine this man, dey play. One day him go murder person out of anger na dat time your eye go clear you for socket say you have been a bad parent all along. Fun of it my foot!

FYI @ Dayo Israel, having a false hope is not a crime. Keep it up.

Don't be deceived by the pictures, that is Ayade's country home. He was there to campaign for his senatorial ambition and for APC gubernatorial candidate. Even his people are disappointed by his failed promises. The purported crowd is just a video effect. Quote me at the appropriate time, Ayade will lose Obudu to Jarigbe. As for Tinubu, getting 5 percent will be a herculean task in CRS, the state is for Peter Obi as per presidency.

Stop dreaming, not the ill man. He's always on life support.

Tinubu was wedged to stand. Vote wisely!

What does APC aim to achieve with those Photoshopped photos up there, even a newborn knows that the vegetations are synthetic. It's high time APC stopped living in denial that 2023 is not for them, the writing is clear on the wall that there is a longing for fresh air.

Do you know the reason for your above epistle? It's because Peter Obi is the next President of Nigeria and there is nothing you can do about it, even your father @Senior Advocate of NONSENSE is having it wotowoto on twitter. You guys are bunch of failures.

Well deserved. APC has taught Nigerians a huge lesson.

Peter Obi is Nigeria president, 2023

Lelelalalele:
https://www.premiumtimesng.com/news/top-news/550663-2023-ill-handle-security-while-tinubu-will-handle-economy-if-elected-apc-vp-candidate.html

God forbid! What an irony for a patron of Boko Haram to tackle insecurity. Go and prepare your congratulatory message for Peter Obi.

ALMUSTAQIM:
https://dailypost.ng/2022/08/26/tinubu-will-fix-nigeria-like-lagos-ex-police-ig-okiro/

Some elders don't deserve respect like this one, he thinks Nigeria is Lagos. Tinubu has Dementia.

They have started again, just like in 2015. The 1 naira to 1 dollar promise crew, what is it presently? Thieves and liars. Nigerians have learned their lessons. Killers of Nigeria youths @ENDSARS.

They have started again with fake promises, his partner in fake promises, Buhari is tutoring Tinubu well.

When did he become a friend of the youth or is it not the same Agbado that masterminded the killing of youths at Lekki toll gate?

It's so unfortunate that Buhari doesn't know his political appointees.

Baby Steps to Managing Your Finance

Can’t wait to receive the next pay cheque as your last one has run out after you settle all your bills and other expenses and the cycle repeats itself?

Well, the alarm has rung! Time to plan and manage your finance properly before you fall into the debt trap!
Here are several practical baby steps to help you manage your finance in a more organised manner:

1. PLAN
Plan your budget two to three months in advanced and make sure it works around your monthly income. Do not forget to include any new commitments such as any vacations, educations, buying a new house, etc into your plan. Then, adjust your future commitments accordingly. If you are married, communicate your finance management plan with your spouse to gain understanding and cooperation.

2. LIST
Every month, list down everything you will need to pay for until the next pay cheque, e.g. utilities, car instalments, house instalments, petrol, food, groceries, insurance, etc. Estimate how much each of them will cost and deduct them from your monthly income. Ideally, you should get a positive value.

3. REDUCE
If you get a negative value in Step 2, it means you are living beyond your means. In order to reduce your expenses, you need to first eliminate all unnecessary “habitual purchases” such as snacks, coke from vending machines. Then, work on reducing your expenses on utilities. Simple steps like using energy-saving light bulbs, turning off lights and switches when you are not around, turning off the tap water when you are brushing your teeth can actually save you some bucks if done consistently.

4. SAVE
If possible, assign 20 – 30% of your pay cheques as your savings every month. Make sure these monies are non-accessible to you. Keep them in the bank. Use these regular savings to build up an emergency fund. You should also get a good insurance coverage if you don’t have one.

5. INVEST
What better way to grow your income if you don’t invest your money. Start looking for investment opportunity once your emergency fund has grown sufficiently big to last you 5 – 6 months without any income.

6. MAINTAIN
Follow Step 1 – 5 consistently and you are well on the right track to become an efficient manager of your own finance. Give a pat on your back and keep up the good work!
It is tough at the beginning to organise our messed up expenses but once you have kick-started the process and be committed to it, it will be as easy as snapping your finger tips!

https://www.singlepen.com/blogs/news/baby-steps-to-managing-your-finance

“Get paid to” programs (or GPTs as they are often called) are one of the many ways that freelancers can make money from home. If you’ve been looking for a work at home job, you’ve no doubt run across ads that claim that you can make money by reading e-mails, answering surveys and trying free samples. The good news is many freelancers make money doing those exact things. The bad news is that this particular industry is rife with scammers. If you are interested in getting involved with GPT programs, you’ll have to do your homework and take special precautions to protect yourself and your computer.
It should be noted that very few people make full time income from GPT programs. Like mystery shopping, GPT should be used as a supplemental income source at best. For many freelancers, the GPT programs are a fun and easy way to earn some extra money when they need it. People who have experience with the programs recommend that you never rely on GPT to pay your monthly bills. But they can be a perfect solution to earn money for a special occasion or holiday shopping.
Just what are GPT programs? They fall into three basic categories: get paid to read e-mail, get paid to fill out surveys and get paid to try products. Each type has its own pros and cons. Before you start any GPT program, you should take some steps to protect your personal information. You will be required to give your personal information for many of these programs and the less you actually say about yourself the better.
To start you should register a separate e-mail address for your GPT purposes. Many programs can result in a lot of spam mail, so you’ll want to keep your main e-mail address separate. You can also register with NetZero to get a free voicemail inbox and private phone number. This is helpful in keeping your home phone free of telemarketing calls.
Get paid to read e-mail programs will pay you a few cents for receiving e-mail and clicking on links. Normally these e-mails offer special deals on products or encourage you to sign up for programs. Sometimes, depending on the e-mail program, you will get more money or “points” if you try the offer. You are not obligated to try the offers, and will get paid a small amount just for clicking on the link inside of the e-mail. There are many popular paid e-mail companies. Do some research before you sign up for a program to make sure that people are actually getting paid. Try not to sign up for too many programs at once or your GPT e-mail address will be swamped.
Getting paid to fill out surveys works in a similar way. You will sign up for a survey program and then fill out some personal information. You will be matched to surveys that are looking for the opinions of people in your income bracket, of your age or one of several different qualification factors. Depending on the company, you will get paid per survey, or completing surveys will earn you points that can later be redeemed. Just as with get paid to read e-mail programs, do research on survey companies before you sign up. There are hundreds out there but only a handful are worth the time and effort.
Finally there are get paid to try products programs. These programs pay significantly more than the other GPT programs. However, you will be required to pay anywhere from $1 to $10 to try the products. When you use these kinds of programs, you have to be careful to take complete records of what you will be receiving and when you need to cancel service or return the item. Most of the time you will be registered for recurring billing for a monthly service, which can be cancelled within the initial 7 to 14 days. You can call the companies and cancel the service, yet still be paid for signing up for the GPT program.
Remember that GPT programs are a great way to supplement income but are not something to be relied on for monthly bills.

Source: https://www.singlepen.com/blogs/news/get-paid-to-programs-for-freelancers