₦airaland Forum

you are getting these person wrong,most time majority of us are educated illiterate that can not differentiate between our needs from want.When you have not reach or achieve financial freedom,you have nothing to do with bottle water all the time or full package of subscription etc,someone earning salaries taken children to high payng school,when the job is loss it become problems to meet up.i built my 2 house because when I get a job I was paying myself the salary of npower my married friends got then.

Ade1177:
Motivation adviser

He should live in a face me and face you
Because any decent roomself in the city is from 700 upwards

He should eat groundnut and garri 1ce a day that's 1k daily

Fly to work not spending anymoney on transport

Don't pay for electricity

Don't pay for general maintenance

Only visit nairaland and never do any subscription above 1k monthly. He dare not visit YouTube or tiktok

Starve his love for football, have zero hobbies

If the person stays in lagos or Abuja

With 300k you are very poor after expenses are deducted from your money

That is the reality of an average Nigerian in 2026

In 2023
You're not poor

Some people transport in a month just to go and make that 300k is around 40k to 60k
Imagine 1k to
1k from
2k x 25days =50k

If your advice is live closer to your work, apartments are more expensive in the main city

If your advise is go cheaper
Apartments are cheaper in far distance =more money spent on transport to work

Brother,you have done wonderful on this ur analysis of how income go,may God bless you for me.For those in doubt you can contact me to buy a land in ogun state,itori,wasinmi and her environment,then I can help you to plan the building with that income.You we come and see what you want to buy ur self,just DM me on WhatsApp 07065512071

advanceDNA:
lol….. continue eating ur 9k food…..
when landlord evict you comot for house or increase rent to 2Million ….u will find out how pple build house with 300k per month…

A friend earning 600k and was making the same complaint you are making now…I opened his eyes to just two things that saved him over 1.2M

Cost of water: he drinks nestle bottled water with his folks: which cost him 15 per week = 60k per month and 720k per year…

Dstv: he does full package dstv that cost him 44k per month = 528k per year..

By the time i showed him his annual mtn data and alcohol expense he almost cried ….

See if u want to survive with 300k …first make a list of all ur expenses annually,,u will see that you have not been spending wisely and u will easily see what you need to cut down to have extra u can save to do more ….

U have no business eating with 9k per day when u are earning 300k….. but hey …what do I know…

both of you are on point,but you missed one factor,economy of the nation.If citizen are happy they we gladly do such.

lordm:
Like I said , you haven't been to a stadium to watch their league match.
Try picking a team to support and watch

no sir,that stupid idiot mean his own immediate family not even extended.

Apcpalava:
you mean clowns in Apc that are supporting failure in Aso rock?

guy,may be me and him,that before he became president my daily income is minimum of #50k close to #600k is certain every week but now #100k no sure per week is the one is talking to,may God of thunder strike that pacts

Artiiclebeast:
You and who are renewing pact?

No be me and you oh.

Nice one and behold to see.

your contributions is very deep and insightful,I never been depressed in my entire life,am 38years,but last week I was depressed without me even knowing until my wife told me,money solved 99℅problem I swear.

KTerzaghi:
You can still learn a skill.
My neighbour wey been dey work for local government find better job tire. He no see. Na so he summon courage go learn building materials business, afterall local government people no dey go work. His family helped him start a business. The guy dey soft on money now. He don buy lands and also build one bungalow where he dey stay with his family.

He still dey collect salary for local government and still dey do his business.

The grass is greener on the other side. Some people wey learn skill no see work do.

Some people wey do boi boi were never settled by their masters after years of hardwork.

Uwa enweghi ebe o dobere isi

seeing this post make me emotional,you might be right to some extend sir,but is it how we are going to continue?what is the way forward,we are now in a situation where by people that left Nigeria for other countries are now doing wondefully well in life.I had opportunity to leave this country 2020 I said no,now sorry is my name as their is no fund to embark on that journey,am just stocked.

IamPatriotic:
You just couldn't control the urge to insult the President. Sadly, he won't be here forever. Some came before him, and others will come after his departure. He is not solely responsible for the decadence in the country, and whoever you are desperately and unethically supporting to succeed him must, in one way or another, have contributed to Nigeria's decline. So, please, cut Asiwaju some slack. 🙏

greed,greed I mean over greed.

causewahala:
King of Saudi and the entire royal family members received medical treatment at UCH from 1962 to 1966. . Nigeria, what happened to us

all the past glory gone,all bcz of greed and corruption,me that see traveling out of the country as slavery has now collected my passport looking for which country to go,as this administration has made me poor that thinking as now take over me.

Racoon:
Looking at this picture brings back memories. For me it was all tears reading the comments. Mentioning great names in the field of medicine all practising in Nigeria then. It is heartwarming to see these legends.

These are the core professionals of the golden era of Nigeria as far as medicine is concerned. They straddled the terrain when Nigeria was a good place that UCH hosted foreigners from all over the world especially members of the Saudi royal family.

Now, imagine how deeply things have gone bad for this once-beacon-of-hope for the country. Imagine UCH now is a shadow of itself where diesel is being rationed to provide electricity while suffering patient are being billed for it according to some report from there late last year.

These gurus were products of Awolowo's free education policy but despicable man that is forging certificates is now giving loans to students. I kept wondering where we got it wrong such that now are best brains no longer want to stay here. What a shame.

Nigeria, a country where yesterday looks better than today. We used to dream of a brighter future but now we wish for a better past. We do not lose hope; we continue to strive for a better tomorrow.

very deep and insightful

TheChameleon:
When raising a child... Discipline and building mental fortitude matters a lot.

Yes we complain a lot. But I saw a video recently where it was said

Globally, over 43 million are in total darkness (blind), over 300 million homeless & over 2 billion don't have clean water.

Yes we all have sorrow but shouldn't take what we have for granted. JIGSAW

No matter how bad your situation, there are probably 3 billion people better than you and 3 billion people worse than you.

you are one of the lucky person on earth,hope you blessed the mistaken person?[img][/img]

Riddlemark:
I went to a betting shop and while I was there in 2021 someone came to play a game and the cashier played a wrong code for him.The man refused to collect the game and he told the cashier to play his game again.I had only 300 naira on me so I told the cashier to give me the game and I gave him 150.he thanked me and played the man's game for me.my ticket was eighty nine million.i did not even follow the game.it was on Monday afternoon when I came back from my private school work that I checked the game and discovered that it entered.i applied for Us visa and japad.I didn't tell anybody but all my peeps got something from the largesse

Am sure the writers have not married and without responsibility.

Akpaamunsi:
My prick never rise for d past 1year. Too many bills left right and centre.

eweeeeee.

FairlyUSEDpussy:
Bro stop explaining yourself ….
We all going to hospital sometimes will make health conditions turn worst……

I have a case where,a man walk to hospital unaided Jux to lay complain bout slight pain in his leg……and ended coming out with one leg shorter than the other after being discharged…..

brother let us always careful as well with chatgpt,I did a general test on my self in health center,I was told the sugar level is ok,but chatgpt told me otherwise that is high,I was on 5 days off from work,I began to eat bitter leaf and saints leaf,brother the the following week I nearly collapse on getting to hospital I was told that my sugar levels is relatively low that is a miracle for me to still be alive,I was placed on carbonated drinks for 2weeks.

koladata:
I'm sorry about your case, but going forward please never ever rely on this doctors, try to do a paid chatgpt of about 7k per month. ensure you upload all his drugs and scan for proper analyses. This doctors are just toying with people's life , they give my mom Tramadol and Dihydrocodeine, chatgpt says that was a very wrong combination for a 75 years old and now she has lost her memory.

hmm,you are right,but did she keeps the herbalist contact?

koladata:
I don’t really trust Western medicine. My mother was perfectly fine last month. We went to UCH Ibadan because she complained of weak bones, and they gave her some medication. Now she has lost her coordination and is almost like a different person. This is a woman with an excellent memory and a sound mind, now she can’t even remember my name.

When I was about six months old, doctors said I had an eye problem and needed surgery. My mother was on her way to the hospital, crying because she didn’t want her only son to undergo eye surgery and not even at that age. On the bus, she met a woman who directed her to a herbal practitioner. They gave her a mixture, and the next day my eyes opened.

Today, I’ve been in the tech space for over 15 years, spending at least 15 hours a day on computer screens, and I’ve never needed glasses for one day... If I had gone through that operation , only God knows what other complications would have followed

Are these people mad or what? you want to empower disabled people with this?

People should stop tribalism, the huge for. money knows no tribe,crime knows no tribe and wickedness has. no tribe, the best we actually accept this we are going to grow as one, my submission.

am not sure it's was 2012,the amount was #100,brother I was part if the protest,I trekked from.onipan to obtain that year.I was naive and young back then.

SatanIsAllah:
N500! Kai!

I remember back then in 2012 when GEJ removed subsidy and increased it to N312.

I remember how I couldn't move an inch anywhere in Ojota because a certain Chicago "graduate" locked down EVERYWHERE. Na trek everybody dey trek. No single car or maruwa or danfo on the roads.

And now those same Nigerians are begging for N500 a litre while that same Bobo Chicago who threatened to raise hell over N312 is bragging about how he enjoyed himself while in a 5 star luxury hotel on a 3 week junket in France.

Samples of Nigerian brains must be collected for detailed chemical and biological analysis because there is a lot about this country that has never made any sense.

I seconded,because he is a performer,unlike useless people we have here.

TheStoriesOfMan:
News I love to hear.

Remove that "junta" tag. Very insulting.

People should stop de marketing play for God sake.

they just love selling cheap propaganda,the country that was under sanctions for 47years and not crippled is now the one that will cripple in 2weeks,they are story teller.

Cyberterror:
Iran can still conduct trade through the Caspian sea.

I tell you,God we let us witness 2weeks and beyond,after 2weeks another story will follow again.

XtremeConsumer:
us government sounding like a 2 dollar amazon bot.

repeating same garbage over and over again.

i cant believe believe anyone can demystify america this much until this orange clown

good write up sir,I spent close to #20m on room and parlor self contain in itori ewekoro ogun state,I only got 900k as rent annually.

iamonpointa:
For those asking how much the man who is getting 100k on his fixed deposit invested, it must be around N9m (if it's at the typical 15% interest). It's pretty simple to calculate. He gets 15% of his investment every year, and 10% of that will be deducted as tax.

For example, on 10m fixed for a year at 15%, the total interest will be 1.5m. 10% will be deducted as tax on the 1.5m, so 1.350m. Divide 1.350m by 12 (months) to get the monthly return.


I have a friend who fixed 100m, and he gets 1.120m monthly on his investment. It's not a lot of money (at least for someone who has a spare 100m to invest), but it will surely cover a lot of bills. This country has systematically impoverished all of us.

For those who think he should be doing business with the money, he already has a business that is doing well—that was how he made the money in the first place.
Besides, the business environment in this country is volatile. If you come across some big money, it will be better for you to put it into fixed deposit than go into a business that you aren't 100% familiar with. You will lose the money, your energy, and your sanity.

My friend gets 13.5m (net) on his investment every year, without having to do anything. If he used that money to build a house, there's nowhere in this country where he will get 13.5m (net) as annual rent—on a house of 100m. That is not including the stress, time, and energy that will go into building/acquiring the house, getting tenants and getting them to pay promptly, and maintaining the property (which might take a lot of the money).
The common counter is that the house will appreciate in value. It won't, it will depreciate. ONLY the land will appreciate. And if I truly believe that a land will appreciate, I would rather buy the land (say for about 30% of the capital) and find a way to secure it (because owning a land can sometimes be a headache), then invest the 70% in fixed deposit.
NB: fixed deposit is nowhere near the best investment you can do, but until you find a low-risk investment you are certain will make you better returns, you will be better off with fixed deposit.

NB: even though the example I gave up there is about owning a rentable property, I believe a lot of other investments in this country are worse.

If you're stuck in Nigeria, you can't afford to be financially illiterate.
Always seek out information on how to best handle your money—no matter how small the amount is. Otherwise, you'll be running on a financial treadmill.

you may be right,I believe platform like this should be a community where we can give members link to success and also collect link,always share the.information link.

dauntless15:
Why would i wait that long for such chicken change, they're making more profit holding your money for 90days then give you the crumbs, i rather trade futures with it.

please sir,on which amount?

herald9:
Mutual funds returns are better when you invest substantial sum. For instance, my Stanbic IBTC Mutual funds gives me at least a 100k monthly

brother,I don't tired,I stopped all drinks some months ago,now we are hearing again adulterated palm oil,wet in we go chop like this.

IBB007:
Omo…how person wan live long for this country…we leave alcohol for them…dem don jump to juice again

brother you have a good idea which can be translated to money as ur writing will solve a long term problem,can you please contact me to see what can be done based on your suggestions,it we surely fetch billion if not trillion.

Bluna:
Somebody needs to invent a new technology for making homemade palmoil for families. Palm oil is 100 percent sourced from oil palm fruits. We only need a kind of potable milling machine that can process the oil palm fruits in the house. It will help families to make the oil they consume by themselves. Such innovation will surely sell like hotcakes.

Nigerian technicians, where are you?

I am an influencer with over 600k, let me do the job for you love.

I tell you,I have been surviving sincev2002 age 14years that I became ophan,we are just 2myself and kid sister,I saw hellfire.

obeegee:
Correct. On your own, you will survive in nigeria. But certainly it will be difficult for those 2 kids to aspire for the kind of life you have now.

Every parent's goal is to see their children and subsequent generations live better than they did.

That is almost impossible now