₦airaland Forum

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 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!

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.

ireneidiva:
Your problem is that you never see the big picture. Fortune can change overnight. What makes you think he cant get a better job soon if he works hard. I also believe that his wife will get a job after the baby. I've seen rich people turn to paupers overnight and vice versa. Even if you marry a billionaire, he can lose all that in a twinkle of an eye.

Newborn27:
So also do we have ungrateful men.....it depends on your personality and upbringing....no matter how low or high your earnings are...a faithful person will remain faithful, loyal and appreciative while an ingrate will never see you hard efforts and always complain.

Oju ti ri to.....#sad

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.

Innobee99:
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

DispatcherLagos:
Op....where you come carve out your data subscription money from?
So u no dey watch football matches?

Op, so nothing like one or two bottles for you from what you wrote?

Hmmmmmm life no just balance. Btw I hope you have gotten your PVC?

Landmack:
Be honest with me,what’s your wife’s day’s job?

mariahAngel:
Did you mind your business when you told op to inform you when his wife gives birth?
Learn to take your own advice sir.

tomtomastom4:
Am placing a tag here.

tomtomastom4:
I sent you a PM. I have laptop already. Am interested. Thank you.

bennyflipy:
95k loud

You be chimney


Well everybody be millionaire for this nairaland.

Landmack:
Sadly none of the presidential candidates have hammered on this. They don’t see it as a problem yet or what?
All of dem just dey speak plenty English on tv

tomtomastom4:
I sent you a PM. I have laptop already. Am interested. Thank you.

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.


I like people who just understand life. Stay bless

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 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!

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

jeromestarks:
You have an asset as a wife.
Those idiots saying the want dangote as husband are liabilities.
Anyways, I don't wish to marry with 100k though; I don't want to go and carry somebody's daughter from her father's house only to come and suffer with me. No be wickedness be that?

opicgif:
Remember his salary

tomtomastom4:
Up North

jclassiq:
Show me one successful FX retail speculator and i will show you 90 unsuccessful ones. Is that what you call success?
I guess stock is even better.

FxPrime:
Forex is tough no doubt, but you can make a living out of forex. Forex is not for the faint hearted nor the weak. Put in your best and with the right tutor, you will become a millionaire but u need patience. DON'T RUSH!!!

SerikiFulani:
So 95k which is $160 is big money to you?

Poverty has so much dealt with nigerians Y'all enjoy being poor

Do you know how much is a satchet of Canadian loud in Lagos? Do you know some boys take as much as 10 satchet in a day? Dudes that spend 3 million in a night on drinks can't spend 95k in a week on loud?

Commanderinpips:
Don't mind OP, when they have a limited knowlege about something that's the kind of advice they give.