Qc1:



I'm not (@ the bold). Yes the government use the tax payers money wisely. I'm only trying to elaborate on the amount of money left in your pocket after paying those taxes. In other words I'm saying even though you make $60000 yearly you will be richer if you can make just $6k yearly in naija. Why? because of the obvious reasons.

You can't be serious. You'll be richer making 6k yearly in naija. Again are you serious ?

kroger:


You rip what you sow, how can someone for over 25 years cant save 400$ monthly.. From your above assertion you are sunk in credit card debt "you caused it because you were not frugal in ur spending culture hence you have to pay back ". owing back taxes was solely your choice, what you did was an exempt on your W2 which we all know IRS will take what belong to them. I got $8000 on my tax refund last year, " once again you are solely to be blamed"

You mentioned OLOSHO it only tells how you have lived your life for the past 25 years. I make more than what u say u make but with my spending habit i send hone $1200 monthly to my account in Nigeria.. The focal point is if you dont curb how u spend your money in america you will run broke quickly not only in america anywhere in the world, spend wisely and avoid debt and u will see ur hard earned money in your savings Account.

Why do t you click his moniker and mayB if you have a good phone or a laptop you could at least see where he sank his money ? Assumption is meant for jobless people . Some people abroad do not have to save money as thier money get spent on various stuff in n out country .

timesup234:
Social security is not enough to live on in the United States. Presently someone over 65yrs gets just a bit over $1500 monthly from social security which is unable to pay the rent and bills, thats why people are required to fund a 401k. Most Americans dont even have $5,000 saved in 401k which spells financial disaster when they are due for social security at 65

That system you guys have is strangling I swear . Don't you guys have state and company pension scheams ?

erico2k2:

Why do t you click his moniker and mayB if you have a good phone or a laptop you could at least see where he sank his money ? Assumption is meant for jobless people . Some people abroad do not have to save money as thier money get spent on various stuff in n out country .

Bros i only replied based solely on what he wrote, i did not click his moniker.

Please kindly calm down and don"t be quick to judge people you don't know one on one.
Kindly go through his moniker and check through his post,perhaps it will let you know that you are not better than the person yor are already condemning financially and otherwise.

We that are constantly on property sections know where most people like him and others and have invested heavily and moving forward.

By the way,who told you that other people here are not sending more than your $1200 monthly to their Niaja accounts?

That is why i rarely comment here.The next thing you see now is insults here and there.Just for saying the truth.


You rip what you sow, how can someone for over 25 years cant save 400$ monthly.. From your above assertion you are sunk in credit card debt "you caused it because you were not frugal in ur spending culture hence you have to pay back ". owing back taxes was solely your choice, what you did was an exempt on your W2 which we all know IRS will take what belong to them. I got $8000 on my tax refund last year, " once again you are solely to be blamed"

It only tells how you have lived your life for the past 25 years. I make more than what u say u make but with my spending habit i send home $1200 monthly to my account in Nigeria.. The focal point is if you dont curb how u spend your money in america you will run broke quickly not only in america anywhere in the world, spend wisely and avoid debt and u will see ur hard earned money in your savings Account.

[quote author=kroger post=63124048]

You rip what you sow, how can someone for over 25 years cant save 400$ monthly.. From your above assertion you are sunk in credit card debt "you caused it because you were not frugal in ur spending culture hence you have to pay back ". owing back taxes was solely your choice, what you did was an exempt on your W2 which we all know IRS will take what belong to them. I got $8000 on my tax refund last year, " once again you are solely to be blamed"

You mentioned OLOSHO it only tells how you have lived your life for the past 25 years. I make more than what u say u make but with my spending habit i send home $1200 monthly to my account in Nigeria.. The focal point is if you dont curb how u spend your money in america you will run broke quickly not only in america anywhere in the world, spend wisely and avoid debt and u will see ur hard earned money in your savings Account.





Please kindly calm down and don"t be quick to judge people you don't know one on one.
Kindly go through his moniker and check through his post,perhaps it will let you know that you are not better than the person yor are already condemning financially and otherwise.

We that are constantly on property sections know where most people like him and others and have invested heavily and moving forward.

By the way,who told you that other people here are not sending more than your $1200 monthly to their Niaja accounts?

That is why i rarely comment here.The next thing you see now is insults here and there.Just for saying the truth.

Qc1:



I'm not (@ the bold). Yes the government use the tax payers money wisely. I'm only trying to elaborate on the amount of money left in your pocket after paying those taxes. In other words I'm saying even though you make $60000 yearly you will be richer if you can make just $6k yearly in naija. Why? because of the obvious reasons.

6k dollars in year is roughly 150k per month...
Are u serious kidding me...
Pls let's be objective the kind if analysis we give here...

What's wrong with this one..you didn't see the invited commas Abi..abeg swerve..you sha want to be noticed

justwise:
[b]

You are contradicting yourself and you are such a hypocrisy. If nairaland is the wrong place to get an advice then what are doing here giving him an advice.

Have you not being asking for an advice yourself on visa issues?

kroger:


You rip what you sow, how can someone for over 25 years cant save 400$ monthly.. From your above assertion you are sunk in credit card debt "you caused it because you were not frugal in ur spending culture hence you have to pay back ". owing back taxes was solely your choice, what you did was an exempt on your W2 which we all know IRS will take what belong to them. I got $8000 on my tax refund last year, " once again you are solely to be blamed"

You mentioned OLOSHO it only tells how you have lived your life for the past 25 years. I make more than what u say u make but with my spending habit i send home $1200 monthly to my account in Nigeria.. The focal point is if you dont curb how u spend your money in america you will run broke quickly not only in america anywhere in the world, spend wisely and avoid debt and u will see ur hard earned money in your savings Account.

I don't know you. It's only smart for me not to judge you. Unlike you I don't like to disrespect people.

Before you talk more trash about me why not help yourself and search my moniker on this forum to educate yourself?

Why must you insult people to make your opinion?

Do you think the "likes" you get for insulting me will make any difference to your life? smh

My people perished because of lack of wisdom!

erico2k2:

Why do t you click his moniker and mayB if you have a good phone or a laptop you could at least see where he sank his money ? Assumption is meant for jobless people . Some people abroad do not have to save money as thier money get spent on various stuff in n out country .

God bless you ooo my brother!

SIRTee15:


6k dollars in year is roughly 150k per month...
Are u serious kidding me...
Pls let's be objective the kind if analysis we give here...

O ya,lets do the math. How much does average naija pay in bills per month?

Qc1:


O ya,lets do the math. How much does average naija pay in bills per month?

Don't do this to yourself. Respect yourself. Unexpected expenses could eat up that 150k alone.

maternal:


Don't do this to yourself. Respect yourself. Unexpected expenses could eat up that 150k alone.

unsuspected expenses is not included.

My carpenter paid just N75k for his apartment yearly. Wait o, he goes 70 - 30 % with his wife on this.

should I continue?

erico2k2:

This is quite wrong . Therr are people who relocate back to 9ja full time.I even know of a guy who relocated frm US to Lagos and set up a mechanic workshop . If you come the auto section you will be well informed .

I'm not disputing this, ppl relocate back home, nothing wrong with that. I'm saying from the tone of what the op wrote, he's only coming back cos of issues with his status.

Qc1:


unsuspected expenses is not included.

My carpenter paid just N75k for his apartment yearly. Wait o, he goes 70 - 30 % with his wife on this.

should I continue?

This isn't a walt Disney movie where you write your own script. Unexpected expenses are part of life. A serious medical injury and your yearly budget could be wiped out. Again respect yourself. You're being unrealistic.

temitope06:


I'm not disputing this, ppl relocate back home, nothing wrong with that. I'm saying from the tone of what the op wrote, he's only coming back cos of issues with his status.

My comment was countering that which was made against QC1 . Not original poster

maternal:


This isn't a walt Disney movie where you write your own script. Unexpected expenses are part of life. A serious medical injury and your yearly budget could be wiped out. Again respect yourself. You're being unrealistic.

U r quoting the wrong person go bck to page 1

Qc1:



The guy is actually right. I've spent almost 25 years here and I can tell you that it's extremely tough to save $400 per month on a $55,000 annual salary, I'm not saying you can't but its very hard especially when when you're paying $1200/month for rent, $100/month for electric bills, $70 on phones, $250/month on car insurance, $250 on gas/month, $50 on cables/month maybe $400 or less/month on food the rest can't even be accounted for like credit cards bills, line of credit or over-draft, olosho etc.

The thing is, you pay up to $17000 in taxes alone from the $55,000 depending which states you reside, then if you owe back-taxes, IRS might garnished up to another 10% of whatever that is left after basic taxes and deductions. By the time you get your pay cheque in your account bi-weekly, you don't even have enough to cover your rent let alone to eat. This is why you have more than 10 time the number of homeless people in USA compare to Nigeria. I don't want to scare you but it is inevitable. Take the current US President for an example, he was once almost homeless too. (google it)

It's not that you cant make big money, it's just that you can't save it (easily).

Nigeria on the other hand, once you have a mindset of doing everything by yourself and ignore the government, that is just the beginning of wisdom. Naija is a shit- hole no doubt but it's also a country where you can bend the rules to your advantage. And for only that reason alone with determinations, the sky is not the limit but the beginning. I'm not here to preach, all you need is N500k.


Before you or anyone call me names, please click on my moniker and read some of my posts dated years back on this topic when I decided to relocate back to Nigeria.

Stay blessed!

Salary= $55K


Expenses:

Rent= $1200

Electric bills $100

Phone bills $70

Car insurance $250

Gas $250

Cable $50

Food $400

Taxes $17000


Total = $19,320


Now $55K take away $19.320 = $35,680

Why are you unable to save $400 a month?

justwise:


Salary= $55K


Expenses:

Rent= $1200

Electric bills $100

Phone bills $70

Car insurance $250

Gas $250

Cable $50

Food $400

Taxes $17000


Total = $19,320


Now $55K take away $19.320 = $35,680

Why are you unable to save $400 a month?

so u dont pay income tax from ur salary?

justwise:


Salary= $55K


Expenses:

Rent= $1200

Electric bills $100

Phone bills $70

Car insurance $250

Gas $250

Cable $50

Food $400

Taxes $17000


Total = $19,320


Now $55K take away $19.320 = $35,680

Why are you unable to save $400 a month?

I think you need to take into account what he sends to 9ja as well.

timesup234:
so u dont pay income tax from ur salary?

What is the $17000 taxes for?

erico2k2:

I think you need to take into account what he sends to 9ja as well.

How much? And how many times a week/month?

timesup234:
so u dont pay income tax from ur salary?

That 17k would be taxes from your income tax along with government pension.

erico2k2:

I think you need to take into account what he sends to 9ja as well.

That's a whole different matter. If his family is making him broke, why is he here blaming America? Furthermore as he returned to naija, his family automatically stopped asking him for money? He's talking nonsense.

justwise:


What is the $17000 taxes for?

You calculated the bill of a month and added the income tax. If you spend more than 2kusd in a month on bills then your annual bills surely gonna get close to $30,000

And you passed maths when you wrote WAEC...i'm dying of laughter here, save for taxes , all the other expenses are per month..so.multiply it as needed and see how much is left...kids..smh

Depending on location, $1200 Is pretty cheap for rent..
And he's not even adding other expenses, hair cut, clothing other miscellaneous expenses..

justwise:


Salary= $55K


Expenses:

Rent= $1200

Electric bills $100

Phone bills $70

Car insurance $250

Gas $250

Cable $50

Food $400

Taxes $17000


Total = $19,320


Now $55K take away $19.320 = $35,680

Why are you unable to save $400 a month?

You are actually the one talking nonsense...whip out a calculator and add everything your colleague "justwise" put up there..and let us know how much change he will.have left .

maternal:


That's a whole different matter. If his family is making him broke, why is he here blaming America? Furthermore as he returned to naija, his family automatically stopped asking him for money? He's talking nonsense.

RedGold2017:
And you passed maths when you wrote WAEC...i'm dying of laughter here, save for taxes , all the other expenses are per month..so.multiply it as needed and see how much is left...kids..smh

Correction noted,

Was looking at total monthly expense and did not multiple the total by 12.

That comes up to $55.680 on bills alone, not including the $17000 for taxes.

justwise:


How much? And how many times a week/month?

Well he can answer that but in my case I send all my balance to 9ja to strengthen my biz and projects ongoing . I got no need to save money here .

Qc1:


O ya,lets do the math. How much does average naija pay in bills per month?

150k can only make u barely comfortable in a low key city in naija.....
it can never make u rich....
someone earning 60k dollars can afford to buy a new car....
#150k per month cant secure u a 1.5million naira tokunbo......
u will safe and safe and safe....
u guys talk as if we don't know what obtain in both worlds....

remember...
what has been seen can not be unseen....
naija overseas remits 32 billion dollars every year....
a big succour to many families in Nigeria.....

erico2k2:

Well he can answer that but in my case I send all my balance to 9ja to strengthen my biz and projects ongoing . I got no need to save money here .

That is your savings, if you don't save from your earnings how are you able to send money to Nigeria?

Please also add health insurance...and you pay this insurance whether you use it or not...nothing is free in America..and nope that ain't part of your taxes..depending on plan that's another 70-100 bi-weekly which brings us to another 140-200 per month. He will do fine boy small abi e no go barb hair? let's say 50 per month..are you getting?...e go buy lotion, unless he wan dey look like person wey baff with elubo..deodorant...etc...miscellenous...

justwise:


Correction noted,

Was looking at total monthly expense and did not multiple the total by 12