₦airaland Forum

When ur wife is due kindly take her to a maternity home rather e hospital, cos na just 45k i paid for hospital bills when my wife delivered if not u will spend close to a 100k,abeg wẹre una de sẹẹ job, I de find job. My location is benin

AfroKnight:
All these broke girls having opinions.

You better hustle so you can afford your fake standards.

Grandpa, you're still on this forum. Tufia!

Who's broke? Lol.. you wish..back to sender!

Rozross:
And what makes you think I’ll ever agree to marry a man that earns 100k? You must be high on some cheap drugs. Well, from his explanation I now agree that there are women who can survive with such, they are very strong women and it’s not my fault that I don’t have such strength, we all have where our strength lies.Nothing like biological clock, women still get married at 60 and above

I doubt if any sane man will even marry you at 60. Me high on something akwaya? Come no vex me o cos I did not set you on feet in search of a man but your stup*ti. You wanted ready made and now it's too late, don't cry go to shiloh

It's well bro. But when your child eventually arrives or even grow to start school things won't remain the same again. I pray God increase your finances soonest. But on the other hand, how many of Nigeria household even earn up to this amount? The country is really messed up!

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.

this write up is theory u can’t put it to practical sir.una no Dey sick?ur wife mo Dey buy pad.Abeg make we hear word

Lord knows I ain't getting married till I'm worth at least 50 million naira....This country is too harsh to be a family man with a meagre salary.

wunmi590:
Lol @200k...

Remove your mind from that 200k and aim higher, I'm earning 200k with just a kid, and money is not enough, I don't smoke, I don't drink and I don't womanise and I also don't live beyond my means, but the 200k is still not enough, things are over expensive my brother.

Wow this inflation is something else

bonnyhope:
Op wife is not your type

So keep quiet

Who's talking about type?

We are talking reality about the economy, you're yarning dust.

You men want a woman who'll be collecting peanut for upkeep and not complain. That's why they cheat on you with better men who can drop better bar.

Continue shortchanging yourselves.

AbleBouncer:
I doubt if any sane man will even marry you at 60. Me high on something akwaya? Come no vex me o cos I did not set you on feet in search of a man but your stup*ti. You wanted ready made and now it's too late, don't cry go to shiloh

You’ll be fine, it’s not that deep

opicgif:
I got married at 65/70k

Some tips:

- marry a good wife (you already have this covered)

- never buy food outside. Take home food to work

- learn a skill that can urgently get provide another source of income ( you can lose your job any day. even if it's your family member that owns the company, be prepared to leave at a moment's notice)

- invest. Don't save cash. The money you save in January, is not the same money in December. It has lost value. Exchange rate is getting worse every month.
Invest in treasury bonds or any safe thing. Don't invest in what you don't know.


- avoid side chicks, girlfriend, old female friends, or however they want to come

- avoid "rich friends". All fingers are not equal. Stay your lane

He can save but mostly in foreign currency, Digital currency or in assets that can be easily converted to cash.

Cash is king.

Abeg,life is too short and harsh to get married and have kids when you ain't rich.

Blessedmercy8:
Grandpa, you're still on this forum. Tufia!

Who's broke? Lol.. you wish..back to sender!

Babe, what’s your old monicker? Hope I’m not insulting my online side chick.

Yes because the market is moved by supercomputers programmed to move the market in such a way that investors lose their funds in both buy or sell positions one at a time. I bet the bigger position falls victim first

tomtomastom4:
An early advice. You cant make a living out of forex trading. Better stop wasting you little resource and time.

Oh boy!
Even with 95k see austerity family budget!

Naija moni don finish!

See poverty budgeting.

Oh man, if you come dey frustrated and begin run street now, EFCC go dey look for you.

But, you sure say that your woman nor go run after she don download that baby for you?
Na question I ask, nor be quarrel now.

Blessedmercy8:
Who's talking about type?

We are talking reality about the economy, you're yarning dust.

You men want a woman who'll be collecting peanut for upkeep and not complain. That's why they cheat on you with better men who can drop better bar.

Continue shortchanging yourselves.

See yourself
So your love is for man who can give more

You should be ashamed of yourself

tomtomastom4:
Its also good to add, No special outing to buy fancy things. We just dey do our thing on a low key. What ever fancy thing we crave for, whenever we have the extra cash, we buy and eat at home.

I doff my hat for you, some earn way more than you and can't boast of any savings. They are already owing before the next pay day even as singles.

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.

Chaii na oga you be ooo
Kudos to madam
May Almighty God open better doors and send helper
95k in this present nigeria situation ko easy at all

AfroKnight:
Babe, what’s your old monicker? Hope I’m not insulting my online side chick.

Not your chick, was never your chick. In fact were cat and rat but I made an open apology to get you off my back. Here you are again doing the same old thing.

Grow up abeg

somehow:
You can't be struggling financially, then delve into Forex trading. You will suffer 10 folds.

Forex trading is not for people with basic financial issues.

of all the people chanting forex forex only you made sense.
forex is for only less than 10% if the world's population.
gabsonfx , infofirst, fxwarrior, charlly, samfelly etc all understand.
Don't tell them.

bonnyhope:
See yourself
So your love is for man who can give more

You should be ashamed of yourself

Siddon there.

SageOfChelsea:
Wow this inflation is something else

Yes it is.....

Nah God and clothe dey cover most people you see...

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.

it is well with you and your wife. But I hope she's feeding well, I mean getting all the right nutrients from food. She needs lots of fruits and veggies please. I doubt 20k can cover your feeding needs without compromising on essential nutrients. It's well with you

Blessedmercy8:
The kids have not started coming and you're already living like this. Now imagine when you have to buy diapers, baby food, school fees and all that in this harsh economy.

Even me as a single, 20k no do me in a week for feeding how much more two people.

You're lucky you're residing in a state where you can still get a decent apartment for 150k. In Lagos you can't get such.

With 10k for upkeep I can imagine how your wife will be living an unsatisfied life. Though she won't complain just to answer a good wife. For how long?

My take on this break down is, if a man goes ahead and marries with such income, he'll subject his family to hardship.

I'm out!

Hardship is part of the circle of life for some it financial and for some otherwise. If u eventually wait till you hammer before you start a family you might not know how long it would take you to hammer. My dad last born defiled all advice to get married early but was waiting to make enough money which eventually did not come even though he tried all form of legal business but it was always from one misfortune to another eventually he ended up marrying at 45 and his first child is 3 year and would be starting school this September. Eventually even at 60 he would still be paying school fees.

The bottom line of the whole matter is live in the moment and enjoy it however possible.

I Duff my heart for the op. Things would always get better. Regards to your wife.

Someone I know will say to spend more you should work towards earning more.

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.

Very good analysis/breakdown. My only advise is that you should just get the few extremely required items at birth for now and be keep enough cash till after delivery before you start buying other things.

What do you want someone collecting #30k

Naija will honour u..... E no easy... But better patner..... Na swift cool ride to greatness.... Nice piece..

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.

I'm short of words, I salute you, this month alone I've used #25k data already. Now I have 3kids, I dey spend more than 100k in a week, my 3boys will finish #1000 bread in one sitting. I can never survive on salary, never. Even on #300k salary, never. Best is business.

tomtomastom4:
Thank you so much sir...
I sent u a DM

I've sent

MrBroke:
Please don't waste your time, go and learn a skill rather, forex is somebody else's business, you will understand better if you continue

That shit is so addicted if you join. You will keep losing money and still funding your account till it wreck you finally. It is the elder brother of betting. The two really dealt with me till sapa humble me last last.

But the ogakpatakpata of them all is binary options. I will never advice my enemy to try that one at all.

ashewoboy:
I nor dey like this type of talk. Which something aside? Do you know where he lives? Do you know how much he uses for transportation? Wouldn't he feed? Abeg, if you don't know his story, keep quiet.

Bros na so habits dey form, until it becomes part of you.

As someone just starting with career/life you could benefit from developing these habits early on. It doesn't have to be a significant amount.

If you reason that way, Even N3m nor go reach you spend monthly. Learn about lifestyle inflation.

People are earning 400k USD per year and still living paycheck to paycheck.

Nor be juju, habits are difficult to break.

EmeraldHash:
Na man you be. I salute you from here

I salute his wife even more.