tomtomastom4:
I created this thread in response to the post on front page about ladies that date men who earn less than 100k. Below is the link.

https://www.nairaland.com/7292274/ladies-relationship-men-earns-100k

Of a truth, its not easy to manage such amount, but when one is already in such situation, you just have to manage and improvise.
Now like the OP of the above thread requested, here is the break down of how we make our expenses.

To start with, I was earning about 130k previously before we got married by March this year, but I changed job and the pay of the new job is 95k. STarted the new job around Feb this year, even though there was a loan I was paying off.. Need I add that my wife was working in a firm where shes paid 45K, but two months after our married, she quit the job due to pregnancy stress. Am sure ladies will understand.

This is our break down.
Monthly salary 95k
I remove 40k first from the salary and transfer it to 3 different acct.
The first acct receives 20k. This acct is not touchable except on extreme emergency. Its our main savings acct.
The second acct gets 10k and its for our rent, also non touchable. Rent is 150k per year. Before u say my rent is high compared to my salary, I like my privacy very well. and the cost of rent isnt friendly in my state.
The third acct also gets 10k. This one is for semi savings. This acct is touchable when cash at hand have been exhausted before the next month salary.

From the remaining 50k,
I send 10k to my family acct. I and my brothers do contribute 10k+ every month and its been used to run expenses WRT our parents and last born.
I gv my wife 10k for her monthly up keep. Its small. But its the sacrifice we all have to make for the good of the family.
I hold 10k myself for logistics and transport. I must confess, is not enough. But One have to strive. My wrk place isnt far. SO transport is N100 to and fro, thats approximately 3k per month. The remaining money i use it for other logistics. 4k out of this money goes for gas wch last for abt 2 weeks. And when we want to refill and there is no other money left, we fall back to the 3rd acct.
The remaining 20k is strictly for food ( On this food issue is where I "duff my hart" cos shes really managing things well and trying.
Sometimes, I really feel for her, cos this her pregnancy makes her to crave for things that is not on our food menu, but then when the money is not there, she just surpress the cravings. At times I feel bad.

.

imadiyi:


Hello xxmoney15, sorry for a kind of divert in the thread discussion. Please, how does this forex work; is it really worth trying?

Please, I don't mind meeting you in person, so we can talk more on it. I resides in PH, as well.

SageOfChelsea:
You dey try. I'm single and I earn 70k and yet I goa borrowing be4 27th of the month. I'm not getting married until I am earning 200k plus. And future wife must be earning 100k plus.

xxmoney15:
Guy u need to start learning skills or getting a better job.

My salary is 76k as a teacher but my living with 2 kids n my wife isn't working yet is a miracle. Just that as a physics teacher I do get private lessons, waec registration business.

Currently I'm learning forex seriously because I want to be in charge of my future. Rent is pH is not cheap, 300k for that matter.

But na God de run am for us

internationalman:
Nor be online 100k for dey be like small thing wey common among Nigeria citizens?

70% of the population nor even dey earn 100k but online them go dey mention million like 1k but if you look around you in real life, 70% of the citizens wey you go see na extremely poor people..

Na Nigerians live fake life pass for this life.

Mercury12:
Hmm men sha. All these sacrifices we made for families our reward is in heaven. These women still call men names and kids cleave to their mothers breast. They don't
even appreciate their father efforts

xxmoney15:
Guy u need to start learning skills or getting a better job.

My salary is 76k as a teacher but my living with 2 kids n my wife isn't working yet is a miracle. Just that as a physics teacher I do get private lessons, waec registration business.

Currently I'm learning forex seriously because I want to be in charge of my future. Rent is pH is not cheap, 300k for that matter.

But na God de run am for us

xxmoney15:
Guy u need to start learning skills or getting a better job.

My salary is 76k as a teacher but my living with 2 kids n my wife isn't working yet is a miracle. Just that as a physics teacher I do get private lessons, waec registration business.

Currently I'm learning forex seriously because I want to be in charge of my future. Rent is pH is not cheap, 300k for that matter.

But na God de run am for us

tomtomastom4:


E no easy brotherly. But am happy I have an understanding wife. She always tell me not to bow to pressure from anything or any one. If na one cloth I dey wear go wrk, as long as the cloth is neat, make I no send anybody.

I believe after birth, once shes up and doing, she will get a job to do to support our finance.

tomtomastom4:


An early advice. You cant make a living out of forex trading. Better stop wasting you little resource and time.

Valoromega:


It's important that both partners should be doing something that brings money home because as a married man earning that amount it can be really difficult because you have more responsibilities now. It also boils down to how you spend your money.
Just pray you get a wife who will be able to help you spend your money well. Cus even if ur a millionaire, a wasteful woman will wreck you

xxmoney15:
Guy u need to start learning skills or getting a better job.

My salary is 76k as a teacher but my living with 2 kids n my wife isn't working yet is a miracle. Just that as a physics teacher I do get private lessons, waec registration business.

Currently I'm learning forex seriously because I want to be in charge of my future. Rent is pH is not cheap, 300k for that matter.

But na God de run am for us

SageOfChelsea:
You dey try. I'm single and I earn 70k and yet I goa borrowing be4 27th of the month. I'm not getting married until I am earning 200k plus. And future wife must be earning 100k plus.

yungz:


like the op said, don’t waste your time and resources. those forex millionaires you see on youtube made their money by selling trading courses. instead try stocks, bond or cryptocurrency.

tomtomastom4:
I created this thread in response to the post on front page about ladies that date men who earn less than 100k. Below is the link.

https://www.nairaland.com/7292274/ladies-relationship-men-earns-100k

Of a truth, its not easy to manage such amount, but when one is already in such situation, you just have to manage and improvise.
Now like the OP of the above thread requested, here is the break down of how we make our expenses.

To start with, I was earning about 130k previously before we got married by March this year, but I changed job and the pay of the new job is 95k. STarted the new job around Feb this year, even though there was a loan I was paying off.. Need I add that my wife was working in a firm where shes paid 45K, but two months after our married, she quit the job due to pregnancy stress. Am sure ladies will understand.

This is our break down.
Monthly salary 95k
I remove 40k first from the salary and transfer it to 3 different acct.
The first acct receives 20k. This acct is not touchable except on extreme emergency. Its our main savings acct.
The second acct gets 10k and its for our rent, also non touchable. Rent is 150k per year. Before u say my rent is high compared to my salary, I like my privacy very well. and the cost of rent isnt friendly in my state.
The third acct also gets 10k. This one is for semi savings. This acct is touchable when cash at hand have been exhausted before the next month salary.

From the remaining 50k,
I send 10k to my family acct. I and my brothers do contribute 10k+ every month and its been used to run expenses WRT our parents and last born.
I gv my wife 10k for her monthly up keep. Its small. But its the sacrifice we all have to make for the good of the family.
I hold 10k myself for logistics and transport. I must confess, is not enough. But One have to strive. My wrk place isnt far. SO transport is N100 to and fro, thats approximately 3k per month. The remaining money i use it for other logistics. 4k out of this money goes for gas wch last for abt 2 weeks. And when we want to refill and there is no other money left, we fall back to the 3rd acct.
The remaining 20k is strictly for food ( On this food issue is where I "duff my hart" cos shes really managing things well and trying.
Sometimes, I really feel for her, cos this her pregnancy makes her to crave for things that is not on our food menu, but then when the money is not there, she just surpress the cravings. At times I feel bad.

The remaining 5k, for now is used to pay back a tailor who sewed multiple pregnancy gowns for my wife.

Its good to add that any small money I make like 1k or 2k on side hustle, I directly buy mudu of rice, beans or flour for swallow.

Its not easy at all. But there are families with kids leaving below that.

My wife is abt 5mnths pregnant, we plan to divert the 20k savings to buying baby things in preparation for child birth.


The truth is that the economic situation in this country is bad and so cost of leaving is very high. But then one have to survive.
But then in Nigeria now, how many percentage of the population earn above 100k. In fact how many jobs out there pays such as amount.

The only advice I have for ladies is that if you are not working and you parent family is the type need financial help from your husband after marriage, or you are the type of lady that is high class and wont settle for less or manage with your man. Plz kindly wait and take your time to look for a man that is RICH or financially capable of taken care of you and maybe your family. Please dont hide under the cover of you want to marry quick and then accept a struggling man only to start putting pressure on his head. Plz wait and marry a rich man.

Most responsible men wont really appreciate it if you are always demanding for things you knw fully well that he can not afford.


It is also good to note that no condition is permanent, things will definitely get better. A better job might come or my wife might get a job after her maternity which will increase our income.

The bottom line is, as a couple, but of you will have to work things out to improve your finances.

tomtomastom4:
I created this thread in response to the post on front page about ladies that date men who earn less than 100k. Below is the link.

https://www.nairaland.com/7292274/ladies-relationship-men-earns-100k

Of a truth, its not easy to manage such amount, but when one is already in such situation, you just have to manage and improvise.
Now like the OP of the above thread requested, here is the break down of how we make our expenses.

To start with, I was earning about 130k previously before we got married by March this year, but I changed job and the pay of the new job is 95k. STarted the new job around Feb this year, even though there was a loan I was paying off.. Need I add that my wife was working in a firm where shes paid 45K, but two months after our married, she quit the job due to pregnancy stress. Am sure ladies will understand.

This is our break down.
Monthly salary 95k
I remove 40k first from the salary and transfer it to 3 different acct.
The first acct receives 20k. This acct is not touchable except on extreme emergency. Its our main savings acct.
The second acct gets 10k and its for our rent, also non touchable. Rent is 150k per year. Before u say my rent is high compared to my salary, I like my privacy very well. and the cost of rent isnt friendly in my state.
The third acct also gets 10k. This one is for semi savings. This acct is touchable when cash at hand have been exhausted before the next month salary.

From the remaining 50k,
I send 10k to my family acct. I and my brothers do contribute 10k+ every month and its been used to run expenses WRT our parents and last born.
I gv my wife 10k for her monthly up keep. Its small. But its the sacrifice we all have to make for the good of the family.
I hold 10k myself for logistics and transport. I must confess, is not enough. But One have to strive. My wrk place isnt far. SO transport is N100 to and fro, thats approximately 3k per month. The remaining money i use it for other logistics. 4k out of this money goes for gas wch last for abt 2 weeks. And when we want to refill and there is no other money left, we fall back to the 3rd acct.
The remaining 20k is strictly for food ( On this food issue is where I "duff my hart" cos shes really managing things well and trying.
Sometimes, I really feel for her, cos this her pregnancy makes her to crave for things that is not on our food menu, but then when the money is not there, she just surpress the cravings. At times I feel bad.

The remaining 5k, for now is used to pay back a tailor who sewed multiple pregnancy gowns for my wife.

Its good to add that any small money I make like 1k or 2k on side hustle, I directly buy mudu of rice, beans or flour for swallow.

Its not easy at all. But there are families with kids leaving below that.

My wife is abt 5mnths pregnant, we plan to divert the 20k savings to buying baby things in preparation for child birth.


The truth is that the economic situation in this country is bad and so cost of leaving is very high. But then one have to survive.
But then in Nigeria now, how many percentage of the population earn above 100k. In fact how many jobs out there pays such as amount.

The only advice I have for ladies is that if you are not working and you parent family is the type need financial help from your husband after marriage, or you are the type of lady that is high class and wont settle for less or manage with your man. Plz kindly wait and take your time to look for a man that is RICH or financially capable of taken care of you and maybe your family. Please dont hide under the cover of you want to marry quick and then accept a struggling man only to start putting pressure on his head. Plz wait and marry a rich man.

Most responsible men wont really appreciate it if you are always demanding for things you knw fully well that he can not afford.


It is also good to note that no condition is permanent, things will definitely get better. A better job might come or my wife might get a job after her maternity which will increase our income.

The bottom line is, as a couple, but of you will have to work things out to improve your finances.

TheOldGods:

Sometimes you humans thinks from your ass. You just got married, with a very low paying job, hardly enough to leave a decent life, you have already impregnated your wife, to bring another human being, that will finally send you back to "face me I face you compound". Who told you that marriage is for having kids? Marriage is for companionship. Children are extra and should be planned. Because if your lack of planning, you got your wife pregnant, and your wife has decided to quit her job, knowing fully well she is about to bring another human to the world. So other women who are pregnant, yet going to work are stupid, or foolish. She wants to sit down and enjoy riches for being pregnant, why you suffer. It's fine, it's none of my business.