If you earn 130k, try and set aside 30k every month for your house rent,

15k every month for medical insurance if your work place does not have one for you.

5k every month for extended family related expenses.

80k should be managed by you and your wife for clothing, feeding and commute to work and social life.

If you can, try and save 10k as àjọọ (group saving) at your workplace.

If your wife has a business or work, then she can contribute to the family either in savings or paying the bills.

But in my honest opinion, if you are less than 32 years and your bride to be is less than 27, then you need to wait for one year to find your feet, have savings, and try a side hustle to supplement your income.

God bless you in your new journey to starting a family.

Am here to read comments

stinflame:


Do u consider other factors at all
Such as closeness to work and Elimination of a high transport fare,coupled with the stress.

My rent is three months my salary,but hell no I can't be caught up in the traffic.At least my yearly transport fare from my previous far less location is been used in to for the rent and I argument with the balance.I practically stroll into the office daily now.
Will move to a lesser on when am able to save up for a car,at least with that I know I aren't running late to work and appointments.
Was able to start up a business also,and money comes in bit from there,so many factors determine

That's nice, which kind of business is that no vex oo

Waaawu!!!! Op, God bless you for bringing this up... I have really learnt a lot from several comments here. But be like na only Lag ppl full here... Where are my peeps from Abj nau
I need your contributions too!

bluefilm:
If you can set up your residual income sources, no amount of salary will ever be too small for you again.

You may be earning just 50K monthly salary, meanwhile your residual income is drawing in over 1 Million for you every month.

The only people who consider their salary first before they do anything else are people whose only source of earning is that their salary.

So my friend, start thinking big.

Think residual income!!!

Residual income is the way to go!

And the more residual income sources you can set up, the better for you and your family.

You may not even have the need to touch that your salary anymore!!!

Which kind of side business can someone working do without much headache of monitoring, that's my own issue

Skoopy:


My salary is 177,000.
My rent (2bedroom flat all ensuit) is 505,000
I'm married with 2 kids, of which the first is schooling and school fees paid.

The only thing I did differently from many other salary earners out there was to diversify. Hence I make minimum of 200,000 in addition to my salary each month. All you need do is safe some money, think out of the box and invest wisely for additional income.

Note: I married 4 yrs ago with an income of 100k only, No other source of income. But with careful planning and God's favour, today things have Changed as we live very comfortably.

Baba what kind of side business, I need to know please

Onbami:


I got a job in January 2016 with salary of 70k. I paid tithe.. I was also married with my son of 1 months old then. A year later had a daughter. I rented apartment I was paying 180k (A room and parlour self contained). In 2017 I started doing another business of buying and selling to join with my salary job that salary was later increased to 106k till now. I managed my income well, I left from the RP apartment to my owned well furnished, classy house, I have 2 cars now and my business is flourishing by the day using my wife to run it while I resume my salary Job cos salary is constant... all am saying is bros, 130k is over enough if you can plan and manage well with your spouse.

Bro, which kind of business

beauty7:

That money is not bad at all.

How many Nigerians are earning up to that?

Most Nigerians are living below N1,000 daily,ie N30,000 monthly and they are married.

(Although I am earning far more than N300,000 per month)

Looks like you reside in the north, can I get to know you?

Thegeneralqueen:
130k this money can give you 33 inches of Brazilian hair not to talk of full inches and you're talking about getting married oga go double your hustle

lol...is he working because of your Brazilian hair? My dear a woman is not handicap or an amputee...lol. if you need Brazilian hair go and work for it

Goodplace:
Pls advice... If a person is earning 130k Monthly and having the intention of getting married soonest and paying rent of 270k/ yearly can he consider that job a good one and moreover can he get married comfortably?

More than enough, if you use it well.

bonnyhope:


it is planning

even if you earn 500k without planning, you will still be scared to take major decision

Baba I comfortably save and plan. But I still need more

be experimenting the 130k in my life every month and i will put u tru....relocate from the house and get a cheaper one

Make your choice

Wow.. While I am saying if I don't earn at least 10m per annum no marriage for me...


Someone is earning less then 2m per annum and considering marriage

sofiscatedmoron:

earning 130k and paying a rent of 270 doesn't make sense

Not in lagos sir

People ask stupid questions most times.
Reject the job. It's not good for you. Wait till you get the one that pays 300k. Just wait.

smartleo:


Children of this generation sha.

Okay let me set the record straight.

I live in a 3 bedroom apartment with tiles and borehole water .
Each of the rooms has a mattress with the visitor room having 2 mattress.
In case you need pictures I can send them to you through WhatsApp .

My kids are attending one of the international school here in Ibadan.
Gods grace is all not my salary.

Learn to respect your elders .

You need not explain yourself to anyone sir..

Why should one be paying that kind of rent, its much o, one can see a good one for ₦150,000.

beauty7:

That money is not bad at all.

How many Nigerians are earning up to that?

Most Nigerians are living below N1,000 daily,ie N30,000 monthly and they are married.

(Although I am earning far more than N300,000 per month)

Yes, it's not bad.

Good for you�

Goodplace:
Pls advice... If a person is earning 130k Monthly and having the intention of getting married soonest and paying rent of 270k/ yearly can he consider that job a good one and moreover can he get married comfortably?

130k is good for a job. Remember save and invest.
You can invest through contributions and other means. Make sure you budget and stick to your budgets. When you get married and start having kids. Put your kids in affordable schools. Budget for home maintenance can be 50 or 60k

Stallion93:
OP this is the conclusion of the whole matter:
Except the Lady u want to marry earns at least 100k Don’t marry just yet. U won’t be able to sustain children and That 200kplus houserent and still meet other needs, period! Nigeria is a very difficult place o! So don’t bring forth any other human being(child) inside this place without proper preparation. Forget all those deception of how 20-30k sustain people, Las las na u go suffer am. Do not get married period

Haba!!! He's not having children immediately na

okpalaAnambra:

Which kind of side business can someone working do without much headache of monitoring, that's my own issue

If it were to be that easy that you can just set up some hustle and you won't be monitoring it anyhow, then I think everyone will be doing it!

But be that as it may, I will be pointing to some of the hustles you can actually set up and run without so much monitoring.

Unfortunately, most of such hustles are online.

And the problem with online hustles is that you need some level of specialized skills to get them off the ground.

But don't be deterred by that statement because you can learn whatever you want to learn once you put your mind to it.

So here we go...

1. Make YouTube videos
You can teach others from your experience. You can share what you like with others. You can do so many things. Google will monetize your videos assuming you videos are interesting enough and has a lot of traffic. That Naija guy in Russia on the frontpage is a clear example of this. He could be pulling in a lot of dough through his Youtube videos just by sharing his life experiences while studying in Russia assuming he monetized those videos with Google AdSense. You won't need to be monitoring your videos all the time.

2.Write a book and put it on okadabooks
If you can write a storybook, then do so and upload it to okadabooks. You set the price of your book. Once you make a sale, Okadabooks takes 30% while you take 70%. No stories. Depending on how good your story is, you may become the next Adichie. I believe you know what that means, in terms of fame and financial returns, huh?

3. Write guidebooks and put it on amazon kindle
Similar to writing on okadabooks, you can also write and publish your ebooks/guidebooks, manuals and stories on amazon kindle for the international audience. You simply just write and publish. If your targeted audience like your work, they will buy.

4. Start your own blog and monetize with AdSense
This one needs no more explanation anymore. Set up your blog. Publish your thoughts on the blog. Pull some traffic. Monetize those traffic with adsense or sell your own products on the blog.

5. Create an android app and monetize it with admob
This is just similar to creating Youtube videos and creating your own blogs only that this time, you are creating an android mobile app that you can monetize with Google Admob. Once people like your app and they start using it, Google will be showing ads on your app to all your users. If a lot of people use your app, that means you have a winner there!!!

6. Start trading _bitcoin
This one needs no introduction. Just buy some _bitcoin from bitcoin dealers. Then sit back and hope that the price of _bitcoin will rise. If it does, you can sell. The only thing you will be monitoring here is the price of _bitcoin.

7. Join a referral program
Many businesses out there run their referral programs. Just select the referral programs ran by reputable companies which you think you can do and then start referring your friends to join the program. You get paid when your referrals join and purchase something from the company. One reputable company I know that is offering this type of opportunity is Quickteller. There are many others. Just do your research.

8. Sports _betting
Oh la la... this is my best. So simple and easy to start. You can even start today with just 100 naira. But you must be VERY conversant with the sports you are _betting on. In other words, you need to know what you are doing in this business, if not sorry will be your name. You don't need to have any specialized skill at all except the skill of following your teams and knowing their weaknesses and strengths. Let me give you one tip, Liverpool currently is the strongest team in England. So is other teams like Barcelona, Juventus, Inter Milan, etc. These teams rarely lose. So if you stake that these teams will not lose, you will most likely, be making some returns, no matter how small it might be.

So that will be that for the online hustles. You will agree with me that most of these online hustles will not require you to be developing unnecessary severe headaches while monitoring them.

You just set them up and viola!!!

Now, what if you don't have those required skills like writing, designing, programming, etc?

No problemo.

Find people who do and get them on board. I saw on frontpage today that some of Davido's hit songs were actually written by some other guys. Hope you get the idea now?

Cool.

Now, let me give you one offline hustle that came to my mind just this morning. A lot of people are already doing it so don't think it is anything new. But I just saw a lot of potential in it. Guess what it is?

9. Rentals

Yeah. People do rent plates, pots, seats for different occasions and all that at a price. You can get into the biz yourself. Nothing do you.

So those are some of my tips towards getting your residual income off the ground.

I must add that this list of hustles is not exhaustive. You can do your own research to add more hustles to it. Also do your research to find out more about some of these things I'm talking about here. That is what the internet is for, not just for watching porn . These hustles I listed here are just the ones I, personally, am so conversant with.

Remember, you don't have to kill yourself doing all of them. Just pick the ones you think you can cope with and get on with your life.

If you noticed, I tried to be brief in some of those explanations. Yes. That is because those hustles are not as easy as I have tried to present them and some of them can be quite cumbersome, really.

But then again, that are all doable, once you have the passion and determination on your side.

One last thing before I drop the mike, none of these hustles is a GetRichQuick solution to your financial breakthroughs.

For instance, think of creating android apps that I mentioned earlier. Let's say you wanna make an android game. You must have a very good idea/s you want to translate into android game to start off with. Then you must master Java or find someone who is a Java guru. Then you learn how to develop android app. Then you start working on your app. My guy, I no go lie you, all these can take you years to reach the finishing point.

But like I said earlier, don't be deterred.

People have done it. People are doing it. People will still do it.

So you can do it.

So go and do it.

Ngwanu nwanne, k'odigodu later... k'emesia!!!

House rent is generally expensive in Lagos but with your salary, it's a fair deal. I got married earning less than that. I was on 114k montly. My house rent was 250k per annum, Even had a baby.
Plus my woman was without a job.

Cultivate a savings habit, cut unnecessary bills and You will be fine. Do note that you need to look for other streams of incoming or probably get another job that pays much better. The larger the family the more your responsibility and expenses.

You will be alright. No do pass yourself sha.

gpmorgan:


Unless u have decided to continue punishing self, How much is ur own rent and how much is your salary?

Paying above 25% of ur salary on rent is considered as living above means

I agree with not paying over the board for an apartment but if you live and work in Lagos. Believe me this rules don't apply in most cases.

If you work in Ajah for instance with a salary of 130k. Believe me you cannot get a RP for less than 300k_400k in that area. You can only pay less in areas like Igando and Ikotun. Then created another problem for yourself in terms of transportation cost and Health.

You spend longer hours and traffic, you wake up by 5am to get to your work place. Person go just die early.

airex:
oga u well so?

i was wondering if he is even sick. My salary is #60k and I am paying #140k rent and we never lack money to pay bills..

omotowo2:
i was wondering if he is even sick. My salary is #60k and I am paying #140k rent and we never lack money to pay bills..

Dont mind him.

If buhari knows you collect that salary and you want to marry also

DSS or sarsbwill visit you soon..

His plan is for you to be a leper..you should thank your stars.

Graduates have sex for as low as 2k everyday to live and stay alive..divide it by 130k in. Month..that's a lot of dicks man..

sofiscatedmoron:

earning 130k and paying a rent of 270 doesn't make sense

How please because the 270k is annual payment while his salary which is 130k is monthly so how does it not make sense.

it's a good start

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dazzlingd:


Olodo, wife material because of what u read online...pls dont be an asslicker

pepper body.......asslicker ko sweet ni

270k house rent? that's expensive compared to ur 130k earning. I earn 124k with a 90k rent. tho I jst started d job in July and no wife yet. 270k is part of d unnecessary expenses u need to cut