With what you are earning, focus on increasing your income....please forget marriage and kids for now, focus on increasing your income 1st.....

Mcslize:


You said it all. But people like ogbonti and pansophist will still tell you that Nigeria is heaven on earth where people enjoy and live like Kings.

They believe people are enjoying in this Nigeria, living and doing pretty well like Kings and Queens. Little do they know that many are suffering and dieing inside and can't even eat a square meal a day. Some go to bed with empty stomachs.

And yet, you will still find some persons that will always turn a blind eye to the hardship, kidnappings and terrorism that is plaquing the whole country and will rather tell you that those living abroad are suffering and living miserable life.

How heartless can some humans be!

Just 2 years abroad - she dey yan turenchi - she is still converting $1 to N1,800 - feeling better than her peers they went to JAMB lectures together - I get it - we all went through that phase -- give her 10 years now - when marriage comes or single motherhood beckons - bills happen - mortgage, car note - student loans payback --- car insurance - energy bills - racism @ work and many more come up -- she will start singing a different tune - so if you are moved about a rookie's testament of 2 years overseas- you are dumm ba than the rookie

Mcslize:


Brother abeg, reduce from that your tithe. Instead of giving tithe of 20k a month, do it this way. Share that 20k into 4 places (5k each). Add 5k to your saving. Go to an orphanage home and give them 5k. That is the best tithe so far you will ever give. Then the remaining 10k should go for your church tithe.

I will rather give more to the orphanage than to give such for church tithe. You will feel fulfilled cutting out of that huge church tithe and give a portion to an orphanage children in an orphanage home.

Baba rest. Tithe is a mystery!

lokoventurex1:
It is not easy in Nigeria even before this present administration, talkless of what we are facing now. I run a POS business and was making over 300k monthly in 2021 till 2022. In 2023, my monthly profit reduced to 240 something, i was still managing it. As at Nov., 2022, marriage came. Wifey got preggy and we had our child in 2023. Still making more than 240k every month.

Long story short, it has not been easy, but we are doing fine, maybe because of my past savings though, but past savings don even finish now cos man has done a whole lot with money. Monthly profit has even gone back to 175k this month. Last month was 153k. But i still save ooo cos how i will pay my 300k yearly rent if i don't save and my wife and baby eat well. My baby monthly expenses for now is still 25k. We dont use 12kg gas, but 6kg. My prepaid metre no dey pass 4k in a month. Last time i bought half bag of rice was last year November, but we dey eat well to the glory of God and have never ran out of money. And still pay Tithe. Na only project i no fit do for now, but we can feed and do some basic things with some agidi. If wifey start work, we go balancw again

OP you can cut unnecessary expenses. You dey make more than me now sef..

You dey try.
Pls, try get the 12KG gas cylinder and table gas cooker, it will help you save more than the 6kg. You refill once in 2-3 months.

Intergrated:
rice how much what about provisions for the kids? How about indomine you know the current price. Yam and all my brother 80k would go for food stuffs.

Weekly we buy 3dozens off 20biscuit and juice..dat one is about 2500 to 3000
1500 yam per week
Indomie na like 2ice a month ooo may be 800 twice.
So I just gave her 20k weekly she dey manage am.
Na poor man standard ooo no be say average life.
U want mk the money finish in 5days like OP

easzypeaszy:
Weekly we buy 3dozens off 20biscuit and juice..dat one is about 2500 to 3000
1500 yam per week
Indomie na like 2ice a month ooo may be 800 twice.
So I just gave her 20k weekly she dey manage am.
Na poor man standard ooo no be say average life.
U want mk the money finish in 5days like OP

some states yam na 2k5 for one how much to cook pot of soup? Omo your wife dey try. That 20k 6 to ,,7k go enter soup wat of stew?

Jennyclay:
You earn 200k monthly and in your mind you’re earning much Mtcheww!!

If you carry me for shopping with that money I can’t even pick up to 4 clothes and the money will be exhausted not to talk of bag and shoes

Biko, just stay away from a relationship in order not to put someone’s daughter in abject poverty.

Why would he take you on shopping?
Of what significant use are you?

LegallyBlunt:


Did I read this well or this is some joke?

How can you blow 200K in less than a week? Doing what exactly? The economy is bad, yes, but 200K can still go a long way and last a full month if used wisely. Even married people would be great to earn this much money now!

Is it transport?
Do you eat out only/buy food?
Do have dependents?

If you don't know how you spend your income, then you're one very unserious fellow.

Hmmmm! You won't understand. What OP said is true. Sometimes you would hold money and over a period of just 4 days your 150k have become 7k. Sometimes I would be very angry and would sit down to calculate. Only to discover that all the money were used wisely and excluding feeding because I hardly eat any dish that was not prepared by my wife.

Jennyclay:
You earn 200k monthly and in your mind you’re earning much Mtcheww!!

If you carry me for shopping with that money I can’t even pick up to 4 clothes and the money will be exhausted not to talk of bag and shoes

Biko, just stay away from a relationship in order not to put someone’s daughter in abject poverty.

This is obviously coming from a lady, that can never manage or give account of money handed over to her. yet them no get chichi

BItt:

Enter a contribution so save and raise money. That's what our older generations did

Chairman, it's not about joining contribution, let me give you a breakdown for a family with one child, me ooo

1)Loan auto deduction/monthly ----85k
I collected the above loan last year when my money nor reach for my wife CS during child delivery.
2)Feeding money to wifey ---30k
She go still later come back before month end say the money nor reach
3)Additional foodstuffs/condiments ---15k
(I already have a full bag of rice, so the money above is for beans, garri, tomato pastes etc)
4)My car fuel(for the first week of salary)--10k
5)Light bill/dstv -----9k
6)Gas--------14k
7)Baby milk(weekly)-----#4,200each=16,800
Baby pap/month------5k
9)Baby Pampers(monthly)---7k
10)Generator (for this heat now)---- 7k/month
11)Security fee/month------2k
12)Wife pocket money -----5k
Total here is already 205,800k compulsory

13)on top of this I go still save for house rent, which I never even start sef.

*THE ABOVE IS APART FROM*
If my wife see yam------6k
If her cream/soap finish ---5k support
If she wan make hair------10k(but she dey on wig for some time now because of money)
If anyone need hospital ----HMO(80k yearly)
I promise her dress I couldn't fulfill for her new job for area, she don go collect 10k okrika dress for credit on my head for month end.

As I dey talk to you, my baby nor get shoe and he don outgrown his clothes, I need budget like 20k least for this

My brother, with all this bill, how 200k salary wan take reach person.

Anytime I dey spend, if I wan vex, instead I go come dey thank God, because I get job that pays monthly, how about people wey nor get or dey even earn reach 100k dey take survive with family. I will always thank God ooo, am among the privilege few.

if I nor fit fuel car, I park am dey use for only church services and important movement.

Guy u get mindoo, ur take home salary is 250k and ur paying annual rent of 500k even though you don't live there. And is not even in Lagos, Abuja or Ph but Abeokuta. Anyway, wateva that works for you is fine. But make sure ur saving because salary job can't last forever. Best of luck

wunmi590:


Lol, I don't over spend the money I sweat to make, this is how I spend my money...

I work in Lagos and my wife and 2kids ate based in abeokuta, and I stay in my family house in Lagos, which is close to my work place...

1. Transport/feeding for the month =N38,000
2. Fuel for my small jalopy for wify to take my daughter to school =N20,000 (Note that my daughter attended same school with my neighbour, so she drop them in the morning and her way to work and my wife picks them only in the afternoon, the distance is just the next street, which is trekkabke.
3. Savings =N20,000 (Mutual for my daughter and son)
4. Wify =N30,000 just incase of emergency
5. Kid (Buscuit and juice) to take to school =N20,000
6. PHCN meter =N7,000
7. Satchet water =N2,500 @500/bag the water is big
8. Soup every weekend as I home twice a month =N40,000 (10k weekely)
9. House rent =42,000 (My rent is 500k yearly)
10. I pay Gotv also
10. I keep the remaining for emergency in my pocket.

Total =N219,500

I will have with me =N30,500

NB: I've almost all food at home, my 13th month salary and leave allowance is what I used to stock more food at home, sometimes, my monthly rent savings I don't save it, because my leave allowance and 13th month salary covers 85% of my rent.

I get rice and some food also that would last me well..

Lastly, in my family house, I only eat once at work, so I eat the rest in my family house when i get home (free)

erico2k2:

Its wiser to spend N60k on a pot of food than spend N30k treating your kids in a hospital cos they are low on nutrients.
What do you want to cut down?
Buying fuel for your Gen so that mosquito can cause illness?
Reduce diet?
Stop driving your car?
stop your wife from driving her car and doing school runs?
or you won't top up your meter/ or pay light bill?

Exactly my brother, which one should really be cut down, because they are all important. I was almost weeping when I woke up at night seeing my baby of six months and wife sweating due to heat, and I couldn't buy fuel for the generator. Instead of buying fleet Everytime, I installed a mosquito net for wife & baby, once in a while, I buy the ring coil of #100 light am

flexyrule:


Baba rest. Tithe is a mystery!

So giving to the orphanage is not misery right? Don't let anyone deceive you, church tithe is a scam. Go give your tithe to the orphanage. That's the best tithe a man will ever give. At least you know where your money is going to.

nifemi25:
Thou the economy is not friendly now but still wondering how you spent 200k in just a week...since you said you don't womanize neither drink or smoke ..... Definitely you are into gambling or spend lavishly....


I can assure you if you earn 1million as salary , you will still complain at the end of the month...most family man here in Lagos earns between 80 and 120 and they still survive..try as much as possible to spend wisely so as to know where your problem is...

You don't read hook and sinker that's verbatim. You read to understand the theme of the message. That's the main point behind the message.

The OP may use metaphor, oxymoron or satire to explain a situation does not translate to the import of his message.

What he ideally mean is that 200k is not enough even in a month and sometimes quickly finishes before he realizes it.

Thanks

icankel:
Guy u get mindoo, ur take home salary is 250k and ur paying annual rent of 500k even though you don't live there. And is not even in Lagos, Abuja or Ph but Abeokuta. Anyway, wateva that works for you is fine. But make sure ur saving because salary job can't last forever. Best of luck

Thank you brotherly for this advice...

I stay where I pay 300k yearly, but the light there is dead, we might not have light for straight 3months and if they even bring it, we might not use it more than 24hours for 2month..

So I decided to move to a place where light is very constant, where I was living before, I burn fuel of 50k every month, my wife and kids must use light at night to power their phone and lamp to use, so I spend 600k yearly on petrol excluding servicing of generator, so I decided to move to where I won't be buying fuel at all, since I moved there I have not bought any fuel at all.. the highest I've ever spent on meter 7k sometimes I even have left over till the other month, as the light there is 18hours steady..

My gas usage has also reduced and my transport has also reduced, the only thing that increased is my kid school fees as we live in an estate where school fee and quality and qualify teachers handle kids...

I hope you understand my reason for this

Most of the commenters haven't seen money. That's why N200K is big to them. A lot of them don't understand economics. N200k is not what it was ten years ago during Jonathan's regime. In this Tinubunomics era, that amount is the equivalent of N100k or less. A lot of these guys aren't exposed and come from very humble homes. If not, they would understand that the cost of living crisis is affecting even high income earners. Your car alone will gulp a quarter of your salary. Where you live also determines your cost of living and lifestyle. If you live on the Island, that amount isn't much. A lot of these people here talking about providing for their families with a lesser amount have not asked themselves what kind of food /lifestyle are they living with that kind of salary. Everybody's reality is different.

PepeXKermit:
Poor men in the comment section telling the man that he can use 200k a month....shebi na one plate of food person buy here for 2800 una dey say 200k a month go do a full blown man for a month. I send pay my mother 200k a month and she is an old woman, i even think its not enough talkless of full blown man with responsibilites. its obvious many people in this comment section do not even make that much, for them its decent amount. peasants !

Judolisco:
200k is enough if u r not married.... Na people wey dey earn 60k or 70k for dis economy go get issues.... D people wey I dey pity na hustlers like me wey no dey collect salary from anyone....

My February Salary was 90k.
I felt bad but it's all good.
I still have it intact tho, yet I flex everyday.
Foodstuffs, family and shitt will take N60k, Car, gas and other shitts will take another N60k.

Even after all the spending, man still gallant.



@Op, it's not about the salary, it's about the kinda people you roll with.

God no go Shame us

Stay away from people that drains you!

Some of us will survive this. Some of us won't.

We pray for hope to come alive and rescue us.

wunmi590:


Honestly, I always feel for them, even me on a 250k salary with 2 kids, if you see how my heart dey always beat fast...

Tomorrow is pay day, I've fished more than half of the money already without collecting it yet

Divoc19:
Sis,
Some of us will survive this. Some of us won't.

We pray for hope to come alive and rescue us.

Amen 🙏....

I'm a man

What do u mean by hustlers? U mean businessmen and women?

Judolisco:
200k is enough if u r not married.... Na people wey dey earn 60k or 70k for dis economy go get issues.... D people wey I dey pity na hustlers like me wey no dey collect salary from anyone....

Love800:
What do u mean by hustlers? U mean businessmen and women?

no b dat kind hustle wey u dey think oh... I dey run uber, I dey write academic project, I dey do housing agent...

Ravenna:


My February Salary was 90k.
I felt bad but it's all good.
I still have it intact tho, yet I flex everyday.
Foodstuffs, family and shitt will take N60k, Car, gas and other shitts will take another N60k.

Even after all the spending, man still gallant.



@Op, it's not about the salary, it's about the kinda people you roll with.

God no go Shame us

Stay away from people that drains you!

b like say u neva marry...

Pardon me.

I sensed gentility in the tone of your message.

You must be a very gentle man.

wunmi590:


Amen 🙏....

I'm a man

Divoc19:
Pardon me.

I sensed gentility in the tone of your message.

You must be a very gentle man.

Lol, I'm a gentle man to the core, I no want whala

Judolisco:
b like say u neva marry...

I am..
I got a beautiful gal too.

sunmarouk:


Exactly my brother, which one should really be cut down, because they are all important. I was almost weeping when I woke up at night seeing my baby of six months and wife sweating due to heat, and I couldn't buy fuel for the generator. Instead of buying fleet Everytime, I installed a mosquito net for wife & baby, once in a while, I buy the ring coil of #100 light am

My brother teh country rumple like this just now.I nor even know which way

Ravenna:


I am..

I got a beautiful gal too.

u be strong man oh

Judolisco:
u be strong man oh

It's the circle bro..

I have only two friends who are also colleagues in different departments at work, they're richer in money but I'm richer in doings and patience.

It is still the same thing na. As far nobody is paying u salary.

Judolisco:
no b dat kind hustle wey u dey think oh... I dey run uber, I dey write academic project, I dey do housing agent...

flexyrule:


Baba rest. Tithe is a mystery!

I have to take my time to open your eyes to this. With your clear conscience, I pray God open your mind to understand this. What is it? Please, take out your time and read these verses of the Bible below and tell me what you think:

Mathew 25:34-46

25:34 Then the King will say to those on His right hand, ‘Come, you blessed of My Father, inherit the kingdom prepared for you from the foundation of the world:

25:35 for I was hungry and you gave Me food; I was thirsty and you gave Me drink; I was a stranger and you took Me in;

25:36 I was naked and you clothed Me; I was sick and you visited Me; I was in prison and you came to Me.’

25:37 “Then the righteous will answer Him, saying, ‘Lord, when did we see You hungry and feed You, or thirsty and give You drink?

25:38 When did we see You a stranger and take You in, or naked and clothe You?

25:39 Or when did we see You sick, or in prison, and come to You?’

25:40 And the King will answer and say to them, ‘Assuredly, I say to you, inasmuch as you did it to one of the least of these My brethren, you did it to Me.’

25:41 “Then He will also say to those on the left hand, ‘Depart from Me, you cursed, into the everlasting fire prepared for the devil and his angels:

25:42 for I was hungry and you gave Me no food; I was thirsty and you gave Me no drink;

25:43 I was a stranger and you did not take Me in, naked and you did not clothe Me, sick and in prison and you did not visit Me.’

25:44 “Then they also will answer Him,[d] saying, ‘Lord, when did we see You hungry or thirsty or a stranger or naked or sick or in prison, and did not minister to You?’

25:45 Then He will answer them, saying, ‘Assuredly, I say to you, inasmuch as you did not do it to one of the least of these, you did not do it to Me.’

25:46 And these will go away into everlasting punishment, but the righteous into eternal life.”

Now, I am not saying that giving tithe to the church is wrong, but it's one of the least things you can do as a Christian and God will be happy with you.

Taking a handful of your money to give to a pastor as tithe when their are orphanage children out there you haven't even given a dime to, is the least good thing you can be proud of to do as a Christian and will feel fulfilled.

Instead of giving out 20k as a tithe, I am asking you to remove from that 20k and give a portion to the orphanages.

One thing about majority of Christians today is that they respect their pastors more than the actual words of God; the Bible. We don't read the Bible to know things but instead we listen more to what pastors say, even if they are leading us astray.

As an individual, try as much as possible to read the Bible yourself, so that you won't just be following what pastors say blindly.

The best tithe any Christian will ever give is the one he or she gives to the needy, not the one you give to the church. God will not come down to collect that tithe you give to the church. He will bless you more if you prioritize giving to the needy ones aside the church.

Who are the needy ones? Those without any helper. The orphans, the windows that live in your street, your neighbor that needs your help. That stranger that comes to you to beg you for money on the road. Majority of us will see these people and won't even have sympathy on them.

But rather we will prefer to carry the chunk of our money to go give as tithe in the church while we really have people that have serious needs for that money.

It's high time we Christian really need to prioritize things in our daily lives. We will rather take our money to the church as tithe to give to the church, of which God won't come down to collect that tithe than to help someone who hasn't gotten anything to eat since 3 days.

We prioritize our pastors more than the needy ones, which is supposed not to be so. Most of those pastors already have enough.

The reason I said split your tithe into two parts and give a potion to the orphanages every month and watch how things will change for you.

God will value that portion you will give to the orphanages than the one you will give to the church itself, trust me.

I just pray God should give you the understanding to understand this deep info I just shared with you. May God open our eyes to understand his words.

200k salary don finish few days after receiving it ooo
My car nor gree start after not using it for a while (na fuel matter)
Bank Loan auto deduction ----85000
Car repair -----15k
I con buy enough fuel-----15k
Follow madam go market and we spent the following
Beans(4mudu @1800)-----7200
Garri(3mudu @800) -----2400
Egusi/ogbono-------2500
Yam---------2500
My baby shoe-----2000
Months feeding money ------30000
My wife debt cloth payment ---10000
My baby monthly day care -----12000
Total is almost 185,000 already gone

How man wan take manage the remaining 20k till month end, so i can understand the OP

ogbonti:


Just 2 years abroad - she dey yan turenchi - she is still converting $1 to N1,800 - feeling better than her peers they went to JAMB lectures together - I get it - we all went through that phase -- give her 10 years now - when marriage comes or single motherhood beckons - bills happen - mortgage, car note - student loans payback --- car insurance - energy bills - racism @ work and many more come up -- she will start singing a different tune - so if you are moved about a rookie's testament of 2 years overseas- you are dumm ba than the rookie

Cock and Bull stories. Did you just say just 2 years? Someone that has been living abroad for a whole 2 years, landed and everything was going pretty well for her as against all the lies most of you do concoct for the gullible ones, you are still waiting for her to fail abroad. You will wait till thai kingdom come, if that's what you are looking for.

How do you even reason most times, and you do lie about that you have lived abroad before. You don't sound like you have ever stepped out of Nigeria, if not, you are supposed to know what is obtainable in all the saner climes.

Even if she has children, do you know that most parents do cash out with their children abroad from the federal government through child support? Oh you haven't heard about child support from the government. I understand why you are not informed about simple things like these.

You are not just exposed about what's going on in the saner climes. Ask those in Canada and Australia, the federal government do support parents if they have children. They get paid a portion to support kids. That's saner climes for you.

To tell you that most of you do lie alot about this abroad of a thing, watch what someone who lives in the UK said below. He said most of your type lie alot about most of the things you folks concoct:

https://www.facebook.com/comediantripleu/videos/765470902164233/


Copy the link and paste on your browser to watch what he said and also do well to read through the different comments and see how all of you guys lies have been exposed by some genuine ones that live in that same abroad you guys do paint as hell on earth.





cc: pansophist