₦airaland Forum

mariahAngel:
Why?

There’s so much peace in minding your business dear

I salute you sir. I don't know how much I spent daily and monthly, that's poor management from my part although I am very conservative, I mean I am a conservative person. Currently, my wife just finished learning a skill, I have been bank rolling the family as God helps me. God actually gave me a wife from heaven, I mean God personally gave me his daughter so God bank rolls us.


Sir, If you're interested, I can teach you how to save in dollars instead of naira

USDT
USDC
BUSD

So inflation won't affect your money

I don't want you to buy any volatile crypto coins pls don't buy and don't invest.


0-8-0-6-7-6-7-0-8-17

WhatsApp me
Let me lecture you
You should be saving that #20k for Dollars but dollars is too high now
I don't know what will happen later if it will crash. Well I will just teach you but I don't have strength to teach full crypto course.

rickleye:
I've sent

Seen... Thank you so much sir. Like you said earlier, for baby stuff.

I gave the money to my wife for keep. When we buy the baby stuff, I will place a tag on you with the pix attached.

Thank you bumbleBEEBEE

Paramount01:
Where did u based?

Up North

Your prudence is remarkable but I am yet to understand how 20k can feed two adults for 30 days in this present Buhari's Nigeria....there must be magic attached to it. Even if the worth of each meal you guys eat is 300 Naira which is almost impossible in today's Nigeria, multiply 900 Naira by 30 days for the pregnant woman & multiply 600 by 30 days for the man because most working class guys eat at the office in the afternoon. I don't need add weekends in this break down yet 20k can't at all feed two adults, 150 Naira per meal may do that but obviously not 300 Naira........for the records, a decent meal in our present Naija is worth over a 500 Naira.

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.

Even Joseph no dream reach you bro.

toprealman:
I wish I had the opportunity to recruit you to work or me. You are a real man!

Abeg o... If your office or branch is based in the north, I wouldnt mind working for you.

nenyewrites:
Is she having birth complications? If no, why is she at home doing nothing when she's just five months? That's how laziness starts.

I know it will come to this as I see a lot of comment complaining why my wife left her work.

My wife work in a food drug manufacturing company as a QA. The distinct drug smell of the company iritates her and makes her to throw up almost every minute.
The moment she enters the company, the throwing up starts and its already showing on her body cos shes beginning to look pale.

It was advised for her to stop.

purejustice36:
Boss pls mention me when your heavenly blessed wife has put to bed
E get why

Am placing a tag here.

Olu1000:
I hereby pledge to support your wife’s delivery with 100k.Send me a DM so we can work out the details.

Thanks so much, I have DMed you. But its good to add that except there is complications that warrant an operation during child birth. My place of work have an HMO that will cover cost of normal delivery.

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

Cash is king.

Remember his salary

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.

Your wife is the definition of an asset. Pls always remind her that you appreciate her and when God opens doors financially, remember this.
So much to learn from your original post. Thank you.

gunther6:
Oya if you don’t mind dropping your account number, take 50k. Satisfy your wife’s cravings. I salute you and your wife.

I have no words for that girl, 80% of Nigerians have less than 500k in their accounts. 40% of Americans have none at all and half of retirement age people cannot afford to retire.

Life transcends money, so long one’s life is lived with dignity. God bless you man.


I haven’t heard from the poster, @ tomtomastom4 pls reach out. Peace.

Hy...

Valoromega:
It's important that both partners should be doing something that brings money home 1. 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. 3.
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 2.

Trust me when I say, it is not really important. Na grace of God all man need. My mom never had to work until my dad lost his job and my mom took over for some years and later dad took over again. The simple truth is that we should pray, keep praying and never stop praying. No be by our strength we dey succeed. @op well done!

And I agree with most of these things you said. Spend wisely so as not to remain in penury all the time.

On a general note, I work in the finance industry... I have some little experience. Am pleading to people with connections, especially in banks. As I hear say plenty staff dey japa from banking industry, that means there will be spaces to fill up as experience hire that start with ABO grade. Please if any one have connection or link to connection, plz do help me out.

odimbannamdi:
Hi Op, I sent you a PM

Replied.

Qtrpst4:
Guy, I will advice you to learn a skill now. Why don't you learn data analysis, in 6 months you will be fine and can get jobs online while you still keep you job. See, nigerian banks are having serious problems with tech and the UK just launched a visa for tech. Learn this skill it will take you very far. All you need is a laptop and I can tell you websites you can learn from for free. See you need to do this fast before children begins to come


Greet your wife, tell her sey we dey hail her

I sent you a PM. I have laptop already. Am interested. Thank you.

How do you then service your loan

I just like that the O.P is optimistic about the future. But this pattern is frustrating and unsustainable.

So you are advising a woman just to marry a rich man... have you told them to also look at the true character and behavior of the man they want to marry...whether he has a good character and behavior and if he truly loves her in order to avoid misunderstanding, frequent quarrels, fight, and divorce later in the marriage

OP, urs is far better. I earn 41k and managing this amount for a month is hell on Earth. But thank for the understanding wife I have.
She's a fashion designer and she supports the house with the little she earns when am down.
It's really hot outside my brother.



Note: I won't stay and not get married Because am earning low, I have to start my life with an understanding woman cuz I don't know when this big money will come yet

Reinamaria:
I salute his wife even more.

Yeah, same here. Thanks for making me see the other way, because it takes two to work together

Buje1987:
Bro you married your wife not all this stupid girls around now. I’m not a salary earner but I make money and Infact sometimes I spend more than 500k to 1m a month still yet I believe I have nothing. I want to meet someone like your wife

They’re around you,u see them everyday. Those kind of gals don’t come in shinning apparels. U need to open ya eyes...open it bro

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.

Pardon me for quoting everything but as a fellow married man I totally understand you bro. Your wife is an Angel Bruv!

tomtomastom4:
On a general note, I work in the finance industry... I have some little experience. Am pleading to people with connections, especially in banks. As I hear say plenty staff dey japa from banking industry, that means there will be spaces to fill up as experience hire that start with ABO grade. Please if any one have connection or link to connection, plz do help me out.

First of all,are u resident in Lagos?

tomtomastom4:
I know it will come to this as I see a lot of comment complaining why my wife left her work.

My wife work in a food drug manufacturing company as a QA. The distinct drug smell of the company iritates her and makes her to throw up almost every minute.
The moment she enters the company, the throwing up starts and its already showing on her body cos shes beginning to look pale.

It was advised for her to stop.

I knew this will be the issue.pregnancy ko easy o rara o. Op September is around d corner,she should start sending applications to good schools. Not those two rooms and one chair kind of school o. She should look well...help her arrange her Cv now.

Innobee99:
OP, urs is far better. I earn 41k and managing this amount for a month is hell on Earth. But thank for the understanding wife I have.
She's a fashion designer and she supports the house with the little she earns when am down.
It's really hot outside my brother.



Note: I won't stay and not get married Because am earning low, I have to start my life with an understanding woman cuz I don't know when this big money will come yet

41k? Wow just wow!

Are u a teacher?

I would suggest she shouldn't go back and look for a job, because it will take a toll on her and the child, I understand things are difficult but here is an advise: She should start food business, my big sister invited me few months back to come spend some time with her, while there, I was going to shop with her after a fews weeks I understood how to sell, on the average we make 18k daily, consider it, people must eat, even if it 010 or 100 or 001. I was shocked to the extent I am considering going into the business.

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.

Mcslize:
To an extent but it depends on if you are day trader or a swing trader. With your technical analysis and price action knowledge, fundamental won't have any influence on your setups if you are a swing trader.

I learned from one of the best. As in, this guy is just too good. I follow exactly how he trades. He don't bother himself with fundamental and we are all doing very well.

Top down analysis is a process of analyzing a particular price chart from a higher timeframe to a lower timeframe to project thousands of pips into the future, using past historical price movements based on your major key levels (support & resistance key levels).

Your major key levels are the zones or areas where price respected or retested multiple times without breaking past it. Price movements are mostly reverted at major levels which directly gives you clue of where the market will move.

With that top down analysis knowledge and a proper risk and psychological management, you will hardly lose trades. Cuz you will always look out for the best setups in the market. You will 80% of the time be able to ascertain the direction of the market. It's not magic. It's something you learn and will be so good in it.

Like my mentor will always say, allow the market to come to you and knock on your door. Don't chase the market.

Top down Analysis Strategy criteria

1. Identify the direction of the trend on monthly time frame

2. Plot your major key levels on the weekly time frame

3. Look for trading opportunities on the daily time frame

4. Place your trades on the 4 hour time frame, close your laptop/phone and go about your daily life and let the market work for you.

I am grateful for getting to know about Forex and taking action I won't lie. Once you are good, you are good. Nothing can stop you.

I am interested in learning o! I don dey find side business since. Help my life.

MajorLanister:
I use to earn precisely 105k and it was just as you narrated until I made a decision to learn a skill. Yes, a skill. Skilled paid Jobs like Programming which I do now are the best. transitioned from a regular administrative role to a Technical career path.

Started building websites and Mobiles for companies. Currently, I work two jobs remotely. And am not there yet like my Other Co-programmers who work for foreign companies here in Nigeria. But I have a cumulative net salary income of 430k monthly (gigs not included). I learned to code with 250k for three months. it wasn't easy cos most of my friends who enrolled with me aren't on that path any longer.

I can offer any interesting learning coding, Precisely Frontend Development REACT JS (the Hottest stack at the moment) should hit me up. portfoliocv2022@gmail.com. Send me a mail with the subject "Frontend Development".

For those interested, we will have a 1hr google meet call where I will Orientate you on the rudiments and paths to enable you to decide if programming is for you.

For those already sending emails, I will make the reply on Friday.

Landmack:
41k? Wow just wow!

Are u a teacher?

It would have been better getting 41k as a teacher but this a government job.

I have B.sc Mass Communication, M.sc Mass Communication but staying for years without a job after NYSC was becoming a burden.
So I got a call that there's an opening but I can only use my O'Level, had to accept the offer rather than staying without any source of income. That was how I got a job using my O'Level.
Been trying for an upgrade but unless u know or have someone up there it's difficult to get an upgrade.
Life hasn't been easy fa

tomtomastom4:
Yes o... When kids come, wahala dey o. But me and my wife are already planning on how to manage things when kids arrive. With the way pampers are expensive. We are planning on using napkins. There is no shame in it. Napkins were used on me. I remeber vividly washing the napkins of our last born. None of us sick cos of that, so why waste moeny in buying pampers that will drain the fund you are managing.

No now now... **tears rolling** God forbid napkins for you r baby in this era. Before then, I decree, your income will increase. Chai!