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.

Wonderful analysis, but kindly state your location, where you stay and work and don't you buy data? before I make any further comment. Thanks.

bigpicture001:
My girlfriend whom I have planned to settle down with simply started acting cold and eventually stylishly slide out of our relationship because I sat her down and made a family financial support proposal to her in which she will be financially committed to running the proposed family we intend to raise...

These are the proposal...

1. She earns about 80k wile I earn about 300k.. I asked that we jointly contribute for all the children's Career funding starting from when we get married even before any of their birth.. I proposed 10k monthly from her and 40k from me to a trust account. From it we plan to fund all the children's Career from kiddagatten to varsity or which ever path they choose..

2. That sh choose between Nepa bill or DStv or gotv sub monthly..just one for her

3. I will be responsible for rents

4. We pay into another joint account for vacation once in two years..like sh puts in 20k I put in 50k monthly..

5. I provide all the heavy food stuffs required in the house in large quantities including gas ND change of electronics, but sh provide all the daily food supplements to mk mine complete.

6. She buys her clothes ND I buy mine but we can both surprise ourselfs with gift to the other..

7. I will buy the family car ND maintain it. If she buys no p.

8. I didn't rule out surprise gifts once a while and outting which I bankroll ND expect her to do same occasionally..

Plz oo nairalanders are these responsibilities to a wife too much for her, I mean one who works and earn over 50k...?

Look for a lady that earns above 150k and she’s an orphan, no father, mother and siblings.

A lady earning 150k, and has been catering for her family and siblings will still run away with this your foolish plan, continue listening to those hailing you ooo.

Some women are the breadwinner in their father’s house, she should drop all those immediately she marry you, so she can be contributing 20k monthly for vacation inside 80k?

You are internationally mad...... That lady right there, just dodged a bullet.

ahnie:
I was wondering wetin concern my mum and me falling on the floor of the church?
We were placed as a group and instructed to form a circle.

Pastor hope started moving from one person to another praying and casting out imaginary demons.

My mom came back again and I cud hear her pleading with the pastor...
The things I don see for my mama hands eeh.

Thank God say,I'm married,if not my mum would have taken me to all the pastors in abraka.

I’m Hoping, pastor hope get hope

Operation DAN AND DNA Activated.

paulolee:

sure...DTS why dey say "form is temporary but class is permanent"
its funny bringing sallah into messi n cr7 debate because sallah havnt even finished a season with thia current form
DTS d same mistake british media made wen de started hyping d good form of kane wen he did 50+ calender goals a season n dey said he is d latest goal machine bt kane never reached dt peak again
same with pep talking sterling with d likes of cr7 n messi wen sterling was on form but we all know how it ended
my point is dt, coaches can hype their inform players without involving messi n cr7, those guys are aliens n should b given respect bcox dey av mad d bar too high for other players..
am not surprised bcoz human gat short memory..

Salah has been consistent for 4years in the epl, winning 2 golden boots and breaking Ronaldo’ s record. So salah has got the class.

Kobojunkie:
Are you living today under the same Law that Abraham lived under back many 1000s of years ago?

This your response nullifies your argument.

Kobojunkie:
"Fornicating" with one who is your wife? Is that even possible? I don't follow at all .

So in a nutshell we are permitted to marry more than one wife?

It's not adultery, so far we are married to the person, up till the 4th wife, is that what you are saying?

Miscellaneous:

Bro, in Nigeria it's what it is. I said what I said, architect only work on buildings. (In abroad they can work on other structures or even as little as a sitting chair, but we are talking about Nigeria here bro)

In nigeria, I've seen architects work in furniture store designing chairs.

Miscellaneous:


Architects will employ civil engineers when job gets complex because they dont have broad knowledge of the behaviour of buildings. On the contrary, a civil engineer can do what an architect does so no need for him to hire one

NB: I'm talking about the Nigeria. So dont relate my posts to the abroad work atmosphere


Oggolden001 Ahmerdibnz

My point exactly

touchLife:
Go for civil engineering or building technology, it is very promising, you can serve as a project manager and have all the best architects to interpret your ideeas while you cash out big time. This I’m saying from experience.

Wow. This is the first time I'm seeing someone encourage another person to study Building Technology.

Nice one

Ahmerdibnz:
Go for civil Engineering, not because I'm a civil Engineer but i think it's better than Architecture

As a civil engr you will be the one to employ the architec.

Alot of architects employ civil engrs more.


Professionally why would a civil engr employ an architect?

Miscellaneous:


Bro, look at the profile of those giving u advice and know where to pitch ur tent. Im a civil engineer and I must tell u the truth, architecture has no single advantage over civil engineering in the present day Nigeria. In fact, no course really has an edge in today's Nigeria - there's no job. As a civil engineer in Nigeria, u can do everything an architect does and even more. The truth of the matter is that there's no job in Nigeria, but a civil engineer has all the options an architect has and more. Architect focuses only on buildings and civil engineers can also do that, but on the flip side, a civil engineer can work on roads, drainage, water supply, construction management, surveying and a host of others; whereas an architect only works on buildings!

N.B: If I were to advise, go for electrical engineering, computer engineering, computer science, chemistry, physics or mathematics if u are an excellent student. After many years you will thank me.

Architects only work on building?
And you said you are civil engineer?

Please review that statement, it should be coming from someone in the construction industry

Omon605:
Go for Civil Engineering, it covers all the areas in building and Engineering construction. I'm a Builder and I'm talking from experience

Do you think you should have studied civil engineering instead of building?

drealcivilceno:
3500 in lagos!

4000 in some parts e.g Ibeju lekki

Ciscogod:


I stay at ajah presently , you want me to go as far as abijo?

No vex

Ciscogod:


My office is in lekki phase1 , lagos traffic , mental and physical stress , daily running of your car ..

I always feel tired after work .

You'll get a decent room self contain for 160k/year(240k total package) around abijo-gra-awoyaya-lakowe-bogije axis

joey150:
Truth be told, cryptocurrency, with its "anonymity', have given several unscrupulous scamming elements the propensity to scam unabated and without fear.

Having an unregulated and largely anonymous global currency might sound cool, but when you think of all the harm that 10% of the world population can and will do with it, it would greatly outnumber the benefits for the other 90%.

I know yahoo boys that have made a killing through scamming people, getting the funds converted into crypto and using one of the multiple exchanges here to withdraw their funds. A regular banking system would leave a paper trail that's easy to follow. Blockchain can be traced, but it's a very complex process that can be made even harder for those that can get around it.

We know some people are genuine crypto traders and have positive use for crypto. But the fear is, in a country like Nigeria, scammers will do the worst with it.

The government should rightfully be worried that millions of dollars that they cannot regulate, trace or control, is being syphoned in and out of this country via cryptocurrency.


Point of correction, cryptocurrency wasn't banned. The government cannot ban cryptocurrency because it's a digital currency. The government has only told exchanges that we cannot continue to allow you to exchange and covert naira to a digital coin that we have no direct control over.

It's a controversial decision, but given that politicians can launder money with it in seconds, yahoo boys can dupe with it in minutes and kidnappers can demand untraceable ransoms, you'll see why this extreme step may have been taken.

If your first response to this is afterall the politicians are already stealing, then you should seriously question your education. If one man gets away with murder, must we then use the excuse to pardon all murderers?

My thoughts after carefully weighing the pros and cons.
We are fighting terrorism as well, could easily be funded through crypto.

Denique:
Congrats to yhu and yhur daughter. Same three and four letter words yet...

Lol.....that's what some graduates copy, all to feel trendy.
Why not spell it right if it requires same effort?

I will be shocked if he visited kankanra

Biglittlelois:
Mistakenly pretend you didn't see anything and continue with your peaceful married life.

He didn't state if his marriage is peaceful or not.....so you can't just ask him to continue

Alexaonfleek:
Abeg remove that music from there ooo.
I don't understand how someone will use 4 years as an undergraduate to study a course like that.
Most top musicians we have or we had,how many of them studied music

Fela created a genre that even the whites play today, and gave inspired the new kids on the block today.
Shola Allyson, Asa
Sir shina peters, just to mention a few.
There's always a sharp contrast between those who read music and those who didn't.

And music have alot of branches, it's not about singing or making hit songs alone.

Sweden. Masters scholarships 100% free.

Shortyy:
Very soon bring back SARS will trend. Youths should use this energy and demand for a better government not this misplaced priority.

You are just one of the very few youths that know.
This campaign has turn to something else. And very soon bring back sars will trend

BestGospelMusic:
Study to show yourself approved....e get why Bible talk am

Study in what language?

James4bright:


Bloody simp. Someone who pays her bills, it's obvious he's still responsible for the business success.

He only did this act once, if he was repeating the same act then I'd understand. Don't be a simp.

Okay

seanwilliam:
I wanted to say you're very stupid and daft but I will not..

Okay

rexcharlie:
I've gone through ur posts on this thread and all I can say is that you are a low budget simp, u lack basic sense bro... No offence

Okay.

James4bright:


You are quite dumb. All these simps won't keep their damn mouth shut.

You just spewed a whole lot of ignorance. So you are saying most early hardworking women were all dumped?

So men should prefer lazy girls because they won't get dumped? You are really not smart, you know.

If you were close to me, I'd definitely whoop your ass.

Something is consistent with all of you that have responded. I'm a simp to you for reasoning the way i did.

Yes I'm a fuvking simp.
Ladies should beware of guys like you.
Assume the stupid guy's business fails tomorrow, and her gf keeps doing free hair for everyone he sents there, will that lady be able to help?
Must the guy send his mother to her shop?
Can't he ask her to come make her hair at home?
The guy is a bossy and proud idiot.
He should have given her brother the phone for free too, and not mind the cost price.

One idiot above is talking about the services. Standing for hours is easy abi?

NobleAngell:
I have seen such happen to a couple of people in my church and I believe it's true. But faith isn't madness. My church will never even wed you both. There'll ask you to find someone else. But if you insist, they will ask you to wait until the genotype changes before they wed you both. They will keep praying for you until God decides whether to do it for you or not. Remember it's entirely His decision.

SS can't change to AA by praying. This is just one of many products sold in the name of religion. Same once happened in my church too, though we never saw the result,but they gave testimony. Guess what, the beautiful young lady has gone to rest with Lord now. Did the genotype revert back to ss or was it a scam all along?
Again SS can't turn to AA, let's stop deceiving ourselves

Kamdil:
I believe AS And AS can still marry, they only need to increase their prayer life. AS can marry AS and not have ss child

Were

adexpa:
We all understand that business should remain business (Do not mix family with business) but many business owners plays around it when there is a need. The guy still help her in most of her bills, will the money she collected from the woman make her independent, will she not still go to ask for support from the guy again. she will get triple of the money back from the guy n still earn her to be inlaw's respect suppose she doesn't allow greediness. That's one way she would have appreciated what the guy has done so far but most women feels men does things for them because of sex, they mostly assumed they paid back with sex.

Isn't sex enough payback? Guys can aswell have sex with there sisters if it isn't much of big deal.

techmaster092:
I think the guy is just disappointed and i will too, she shouldn't have collected money from his mother with all the assistance the guy have given to her in the past, she should have used that as a form of appreciation, worst of all u guys r planning a future together u still go dey bill him mama, d girl no wise or her village pple jst flash her line

The puna the girl is giving is not a form of appreciation? Abi it's her duty to give the guy sex too? This is 2020. Wake up. That girl is damn wise.
What's the assurance that guy will marry her if she starts making hair for free for all his ancestors?
In the past women have washed clothes, cooked, clean, gave sex and were still dumped.