₦airaland Forum

xxmoney15:
I've been learning since 2020. Why will u say?

There are people who have succeeded stop discouraging others

You can say it's a long term venture instead of ur negative comment

correct man... It's mostly those that wanted to get into live trading real quick without back testing and mastering their strategy that complain of impossibility of making a living out of forex. I've been learning since 2020 too. Just mastered my strategy last month and been making good and consistent profits. The hack here is mastery of strategy, patience, control of emotions, strict adherence to rules and risk management - there you have your professional. Keep grinding bro

pansophist:
Yes, you're right. People with strong character will be faithful and not allow money make a fool out of their union.

The worse person to be with is someone with weak moral principles. If she is a woman, then pastors will feast on her purse or her puss, she will carry family matter share like donut to everyone, and the man will be at peace in beer parlour than his own home.

If na man, he won't provide and lead his home, sleep around and gift his wive new disease monthly, their kids will be the worse hooligan that terrorizes the neighbourhood, and dumb as hell. You'll be unfortunate to live close to them because almost everyday na fuji house of commotion.

Marriage is a place where all the preparations and virtues you've been building as a single will be put to test. Like a job, you've spend years in school to qualify for that position, it's same with marriage. Lots of people don't see it this way.

So you must be trustworthy, truthful, forgiving, empathetic, understanding, tolerance, accepting, dependable, dutiful, lovable, frugal, patient, honest loyal, respectful, purposeful, dignified, faithful, and so much more. If you have money and have no virtues, your relationship will crash.

Lots of girls are searching for rich men without sharpening their virtues, which will help them get a rich man. For men, lots just bring money to the table, and think that's enough.

Marriage is work. You'll have to sharpen your virtues, because virtues are the building block of a successful marriage. Below is a link to virtues people should develop, and you must look for partners with same virtues.

https://www.virtuesforlife.com/virtues-list/

Even without money, couples with such virtues will have a good marriage.

Wow!
Bravo!!

OP I salute your courage my man.
The reason why that money dey sustain you na because you no dey womanize.

The fastest and easiest way a man can be ruined is when he cannot control his John Thomas.
It was that shit that ruined my dad's elder brother, he was a fvcking multimillionaire in the 80s towards late 90s but he failed to realize that 'money only stays where it is maintained.' I'm sorry to tell you that even a cockroach is richer than him today for you to know how bad his life has become.

Rozross:
There are rich guys everywhere, so don’t judge blindly. It’s like you want trouble? Thank your stars that I’ve grown up.

With this your entitled mentality, believe me you will be fine. It's not that deep

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.

hmmmmm. Wonderful. Me I earn 63k as salary and my rent is 210k annually. Below is how I disburse it:

Kitchen stocking - 25k.

Soup for the month (we cook soup 5 times in a month) - 15k.

Baby mama - 5k.

Light bill - 2k.

Purewater - 4k.

Stew, Beans, Moi moi: 5/6k

Gas - 5k.

Fuel: As the Lord leads but I do put on Gen almost everyday as far as there's no light.
Now if you observed you will see that I don't have any money for myself nor my baby, make sure I run other deals to meet up my rent and cater for my son. Yet my baby mama go out to tarnish my image outside saying that I am treating her as a house girl, saying that she's like a slave, that she's in an abusive relationship this and that all the young ladies around my vicinity are all keeping malice with me because of her stories, they all believed her story. Even when I try to talk people don't believe me. I got tired of the quarrels and nagging so I had to throw her things out and asked her to leave my house. Neighbors came in and intervened then asked me to consider my son that he's still a baby. I succumbed and left for work only for me to come back home that evening the 22nd of July and found out that she have left with my son that I love so much and yet all her things are still in my house. Bring my baby sef all to no avail, oya let me be seeing him at least still no way. I've talked to her mom and siblings and all of them are taking her side saying a man is not supposed to throw a woman's things outside (even my family blamed me for throwing her things outside) oya I don agree sef still dey are hiding my baby that will be a year old on the 29th of this August from me. Honestly her family wants me to settle with their daughter but to me I am no longer interested before I die of BP, so now they are using my son to blackmail me emotionally to accept their daughter back because they know that I love my son. If really I am suffering her and treating her like a slave like she always claim then I wonder why her family would want her to come back to my house to suffer. Honestly I am confused and don't know what to do because I really miss my son.

AbleBouncer:
With this your entitled mentality, believe me you will be fine. It's not that deep

I’ve always been fine, it can be deep if you want trouble.

tomtomastom4:
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.

That’s nice to know but will still love to support.

hmmmmm. Wonderful. Me I earn 63k as salary and my rent is 210k annually. Below is how I disburse it:

Kitchen stocking - 25k.

Soup for the month (we cook soup 5 times in a month) - 15k.

Baby mama - 5k.

Light bill - 2k.

Purewater - 4k.

Stew, Beans, Moi moi: 5/6k

Gas - 5k.

Fuel: As the Lord leads but I do put on Gen almost everyday as far as there's no light.
Now if you observed you will see that I don't have any money for myself nor my baby, make sure I run other deals to meet up my rent and cater for my son. Yet my baby mama go out to tarnish my image outside saying that I am treating her as a house girl, saying that she's like a slave, that she's in an abusive relationship this and that all the young ladies around my vicinity are all keeping malice with me because of her stories, they all believed her story. Even when I try to talk people don't believe me. I got tired of the quarrels and nagging so I had to throw her things out and asked her to leave my house. Neighbors came in and intervened then asked me to consider my son that he's still a baby. I succumbed and left for work only for me to come back home that evening the 22nd of July and found out that she have left with my son that I love so much and yet all her things are still in my house. Bring my baby sef all to no avail, oya let me be seeing him at least still no way. I've talked to her mom and siblings and all of them are taking her side saying a man is not supposed to throw a woman's things outside (even my family blamed me for throwing her things outside) oya I don agree sef still dey are hiding my baby that will be a year old on the 29th of this August from me. Honestly her family wants me to settle with their daughter but to me I am no longer interested before I die of BP, so now they are using my son to blackmail me emotionally to accept their daughter back because they know that I love my son. If really I am suffering her and treating her like a slave like she always claim then I wonder why her family would want her to come back to my house to suffer. Honestly I am confused and don't know what to do because I really miss my son.

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

how many bedroom flat?

twosquare:
how many bedroom flat?

One bedroom flat

djkirkoo2:
hmmmmm. Wonderful. Me I earn 63k as salary and my rent is 210k annually. Below is how I disburse it:

Kitchen stocking - 25k.

Soup for the month (we cook soup 5 times in a month) - 15k.

Baby mama - 5k.

Light bill - 2k.

Purewater - 4k.

Stew, Beans, Moi moi: 5/6k

Gas - 5k.

Fuel: As the Lord leads but I do put on Gen almost everyday as far as there's no light.
Now if you observed you will see that I don't have any money for myself nor my baby, make sure I run other deals to meet up my rent and cater for my son. Yet my baby mama go out to tarnish my image outside saying that I am treating her as a house girl, saying that she's like a slave, that she's in an abusive relationship this and that all the young ladies around my vicinity are all keeping malice with me because of her stories, they all believed her story. Even when I try to talk people don't believe me. I got tired of the quarrels and nagging so I had to throw her things out and asked her to leave my house. Neighbors came in and intervened then asked me to consider my son that he's still a baby. I succumbed and left for work only for me to come back home that evening the 22nd of July and found out that she have left with my son that I love so much and yet all her things are still in my house. Bring my baby sef all to no avail, oya let me be seeing him at least still no way. I've talked to her mom and siblings and all of them are taking her side saying a man is not supposed to throw a woman's things outside (even my family blamed me for throwing her things outside) oya I don agree sef still dey are hiding my baby that will be a year old on the 29th of this August from me. Honestly her family wants me to settle with their daughter but to me I am no longer interested before I die of BP, so now they are using my son to blackmail me emotionally to accept their daughter back because they know that I love my son. If really I am suffering her and treating her like a slave like she always claim then I wonder why her family would want her to come back to my house to suffer. Honestly I am confused and don't know what to do because I really miss my son.

She did the right thing by leaving you...so you threw her out without caring for your child or her well being because she nag?? If i were her brother,you wont see that child again.

@op I nor hear from you oo
Lets see how i can support you and your wife so long

Mehn! I'm ashamed of myself o. I think I really need to change.. With ₦110,000 and single sef, I still find it uneasy to even save properly. As last born sef, my siblings still give me money from time to time and then I get tips a lot from clients at work

Henceforth, I'll do better. Thanks for sharing..

Respect!!!

kkins25:
. Not saying there aren't though. But you'd come to discover that men earning way less than you have wives and even kids. Millions of Nigerians are living in poverty but we don't see millions of divorces. So, don't allow the silly mentality from Twitter creep into your reality..

Not to reign on your parade but you don't see millions of divorces because the vast majority of the divorce cases in the country(abandonment, brideprice-refunds etc.) go unregistered, even among the poor. Yes, divorce is equally high in low income areas but because these incidents are discreetly and unofficially, the real divorce rate is not known.

Many thanks to you. I sent a pm.

Mcslize:
Send me direct message through my profile. I will send it to your email box. Once you get it, register and start learning. It's free!

Yes. But is just to manage.

Honestly, I'm encouraged

tomtomastom4:
CC: Rozross

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.




Modified
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.

Deicide:
My Question is why did you think it was a good idea to get married while you were earning just 130k per month?

Why do you guys act so hypocritical online, asking a question you don't mean to ask,just to present yourself as someone in the upper class,who " can't imagine how people cope with N130k a month"?
Dear hypocrite,let me assume you're employed with a bogus salary,now in your establishment,how much are your gatemen, security guards, and fresh graduate or other paid? Are they not married? Why not ask them how they cope.
Let me assume you're a CEO with multi million naira gross weekly,how much are you paying your staff,from the gatemen to the security guards to the fresh graduates or even other workers on your establishment? Are they not married?
Don't be a fuc king coward,answer my question on behalf of your employer or on behalf of yourself.
The same heartless MFs who use people's time and skills to make money and pay them peanut will come here to ask " why get married on a N130k salary"

IamMobisola:
You are really trying, you and your wife are both understanding with eachother.

As a lady, I can't even think of marriage yet because I earn 200k monthly from my business. I'm currently learning UI/UX design so I can have at least two sources of income.
You should try to look for an avenue to learn a skill(tech) in particular. There are lots of free resources online.

It would help

You are a liar,it's either you're not married because you don't have anyone who wants to marry you yet,just men using you, or you don't eaen that much.
Saying you refused to marry because you earn just 200k is a blatant lie. You rejected marriage proposals because you want to earn more? Liar, a shameless one too

Please someone should help me, family on my neck, I seriously need a job. Please save a soul.

Rozross:
I’ve always been fine, it can be deep if you want trouble.

I am trying as much as possible to avoid you but it seems you enjoy my attention. Here I am dm me lemme rest

pocohantas:


Nigeria is hard abeg. I had a headache reading that. How person go take cater for his/her parents inside that kind income? Na this kind thing make me dey work 3 shifts. I don’t want to survive biko.

It's tight...very tight to keep to a very strict budget. Makes it difficult for any kind of "lau lau" (flexing).

ifihearam:
She did the right thing by leaving you...so you threw her out without caring for your child or her well being because she nag?? If i were her brother,you wont see that child again.

so make I die na abi? If I am your brother would you advise me to continue with such relationship?

djkirkoo2:
so make I die na abi? If I am your brother would you advise me to continue with such relationship?

If she were your sister how would you feel?

MrBroke:
You don't know me and I don't know you but remember today on nairaland that I did tell you Forex trading via CFDs will never make you wealthy or even rich, tomorrow when you start regretting just remember this. I know too much to say shit. I know people who make money from forex okay, but it ain't trading bro it Fucking aint. Forex is something too Broad for you guys to understand

You have to realise that i spoke from experience of many years in forex trading. I don't make noise and will never. You can be rich trading fx end of discussion.

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

My brother good evening, I have been thinking about learning Data Analysis.
Please share the website with me

Vijuchoco:
Mehn! I'm ashamed of myself o. I think I really need to change.. With ₦110,000 and single sef, I still find it uneasy to even save properly. As last born sef, my siblings still give me money from time to time and then I get tips a lot from clients at work

Henceforth, I'll do better. Thanks for sharing..

Respect!!!

Bro it's good to save oo. When I was earning less than 55k a month , sincerely I managed to save o. I have to manage the salary very well with 13th month and little bonuses. I'm not the fashion type or hype man . Last year , I was able to buy a land as God may have it. The land is 30 mins drive to a University. Infact I couldn't believe it.
You will feel the pain but it will pay at long run. Please try and be saving, local man like me hahaha even bought a "save" and be putting small small there early this year. God bless our hustles.

ifihearam:
If she were your sister how would you feel?

if the man explain all these to me and I confirm from my sister that it's true then I will definitely blame my sister for being an ingrate. I accepted my fault for throwing her things out but you as a woman you just want to defend your gender.

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.

After sharing your stories on my whatsapp page
One of my client want to assist madam with something
Pls Dm ur acct details

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 nicely said Sir

You're a good economist

Olu1000:
That’s nice to know but will still love to support.

Alright, will really appreciate. You haven't replied my DM.

Secondly:
If you are expecting me to clap for you for being this frugal, sorry I won't.

I'd rather make more money than save up.

SO you think am folding my hands sitting at home and not in search of getting more money.