₦airaland Forum

PaulH07:
I spend 100k on foodstuffs in a month, as a single guy.

That's 200k for only me.

I wonder how this same 200k go reach family of 4 for same period

Guy, cut down on ur appetite. That u feed with 100k doesn't make those who feed on less malnourished. Eat easy.

Chizy12345:
people are earning 50k and they're leaving comfortable. village at work

True, they are LIVING COMFORTABLY.

Rejouir:
Someone just saved 4.1m still own a car o! And pays rent. from a 150k job, and you earn 400k and haven't saved shi shi.

Hmmm, this marriage of a thing ehn,a huge financial burden is tied on it. But most won't know till they sign in. You are lucky earn such, because majority on this forum haven't seen a salary of even 50k some are still looking forward to N power.

Pls can u give an insight to how that person achieved all u listed with a 150k job?

skultrick:
Just in case you eventually see this comment, oga the truth is that 400k is very small.

I am a single man, and I over the last 6 months I spend on average 300k.

Mind you I don't have a girlfriend, I don't club, and I don't womanise.

I have to squeeze to spend 300k

So of you have 3 people to feed and very frugal, perhaps 350k would be enough. Which leaves you with 50k savings. No school fees yet.

You main aim should be to earn more that's the only way because inflation is very high and naira is very weak for a country that depends mainly on importation.

Experts are already forecasting a weaker naira in 2024.

You need to start a business, at 1m should do.

To save for a business, find a way to cut down on reoccurring expenses, even if the family have to go hungry for a while. If you can save 150k in the next 6 months you should have almost 1m.

My guy, 400k is still NOT small in this Nigeria. Because u spend 300k monthly as a single for whatever reason doesn't make ur assertion the reality for others.

chiboycue:
You are a big boy earning N400,000 per month. Most civil servants in Nigeria do not earn as much as N400,000 per month. You need to cultivate the habit of saving money and fixing the money that you have saved so it can yield dividend for you. Avoid unnecessary expenses. Dont be living in a place where you are paying house rent of 1milion annually. Put your children in a good less expensive public school instead of an expensive private school. You would not have done forex with as much as N2 million. You can do other things like affiliate marketing and blogging inorder to support your income. You need to empower your wife as well.

How promising is blogging in supporting one's income? I've tried that before.

tallfish145:
400k too small for family of 4? Are u kidding me?

No mind am. Like say no be same naija we all dey.

kelvyn7:
Rule 1 - pay yourself first (10%), into a separate account, without atm card, nothing in this world makes me touch that amount. Do this every month

Rule 2 - if your 3months salary cannot pay your rent, then you are living above your means 😉

I try to always take an apartment my one month salary can pay.

Federal Civil Servant
Salary 189k/month

mannobi:
Please before you japa, kind connect me to your 400k salary job.
Safe journey to your destination sir.

FG jobs never work that way. But I pray you get good job pretty soon.

UnfairLife7:
FYI, i am not a woman so don't think every average Nigerian man reason or has same mentality as yours. I am not in India so i wouldn't say if the wife cheat or not on the basis of bride price.

Reason why Africa will forever be underdeveloped and remain a 3rd world nation. Same you will change your wack mentality the moment you cross murtala international airport. why don't you take that same mentality with you like MTN, everywhere you go?

Even Bible frown against fornication and adultery for both gender, but an average man from a 3rd world nation said otherwise and you keep wondering why they remain backward, underdeveloped and blessed with useless leaders

Your second paragraph is baseless. Man/woman view to infidelity has no preference to geographical locations. The way it's seen in Lesotho is how it's seen in Chicago.

MarketDispatch:
The Joy of every mother is to see her son progress legally...so that she can have rest.

School him pls.

ashafson:
Any palliative?

But it's a known fact that palliatives don't come together with salary. It's a different arrangement all together

Animegirl:
Sometimes Nigerian Men scare the hell out of me. They say "when a child is good it is the father, but once the child is bad the mother takes all the insult" you men are quick to insult women but you forget the roles you played while raising your kids.

Sir, with all due respect you're unintelligent. How does getting married to a bad woman relates with what the son said? That he condemned his father coming out to the public saying issues which are meant to be in private.

U spoke with the least intelligence actually. A child should NEVER rebuke his father (if you read your Bible), not to talk of making it public. He's got atonements to make.

fidelmarshal199:
Did you read the post at all? The boy was only protesting with his father for making their private affairs public. which I think it's right.

Like an African Proverbs says "when 2 elephants fight, it's the grass that bears the brunt"

U read the post but didn't understand. The commenter is spot on. Lil' dude should appease his father to reverse the curse and not the foolishness he's exhibiting.

Hezzyluv:
Na the only thing him get to do be that. Because in this case, he has only 2options.

1. Spend the money and stay behind the bars afterwards.

2. Return the money and maybe dem fit give you something inside.

Someone paid 1.4 million in my sister's account, when naira still make sense during Yar'Adua time, she has to go to the bank herself after one month to complain about the erroneous transfer, they traced the rightful owner, and she was give 50k

Personally, I'll return the money not expecting anything in return. Godliness with contentment is great gain.

Rahym001:
hello bro were u paid today

Yes sir.

NBTI alerted.

Hmm, mine is more serious o! Since childhood, at a point they were calling me 'jeka jeka' at home because of it. I'd bite cuticles deeply that I bleed at times. Whenever I see one of my kids doing it I'd just smile.

Nazgul:
1.7m in Tinubu's Nigeria is rubbish. No thanks to inflation and high dollar rate.

Do you know that at child both a considerable amount of that money would go into the hospital expenses. After being discharged from the hospital, there are still other things you'll have to keep buying.

Baby soap and cream.

Napkins.

Baby milk formular.

Baby clothes.

Routine medical checkup.

Coupled with your regular household expenses.

If he does this consistently for 3 months, that 1.7m would finish.

Unrealistic and over exaggerated.

He was your best friend, but you were never his. Facts bro. Just move on.

GboyegaD:
The topic, I have read it over many times and still can't make out the meaning.

The body, not sure I understand the writer's opinion as intended. Is the writing opining that it is a good car to buy because of its low cost of maintenance and fuel saving ability or a bad car to buy because of the high rate of theft/vandalism of the vehicle?

For the last question, I think one's intention of owning a car and one's maintenance budget for a car should guide. I have a Corolla and while the OP stated the maintenance cost is cheap, I do not think so when I compare it to my Honda. At each routine maintenance, there's always something to fix and this is just a 3years old vehicle.

Your comment is golden; informative and authentic. A colleague of mine at work changed her Corolla engine for 750k, since then my mind changed.

I served in 2011, the 19800 started with my set in camp. Paid 3k in RCCF corpers lodge monthly for daily breakfast and dinner. Coca-Cola where I served gave us a sumptuous lunch daily with a monthly pay of 7500 for corpers then. I saved. At the end of my service I was the only corper that was retained. Sweet service year I had, thank GOD

22gist14:
Bought my first car at 27

Lord am grateful for this year 2023

Thank GOD for you.

All.

harsysky:
10k per month means 120k per year. That plus 140k can give u an accommodation of 260k. That should be the highest rent you can go for if you want to show off

Yeah show off, but I can't do such. I started out earning 74k but stayed in a 120k apartment. My choice, because I don't want sleepless nights.

zoedew:
That is the ideal! Beyond that you are living beyond your means.

Wrong.

OvertheTop:
Max of 40k rent/Year or Less
if that rent is Not Available, Change the Income Source (get a better-paying Job)

Like if that's how easy it is to just switch jobs anyone would still be doing low-paying jobs. Face reality man.

Neddyogu:
If u can't save up ur rent in two months, u're in the wrong apartment.....or wrong job!

Wrong opinion.

OCHKESTINE:
My former boss advised me to get up to 4 months salary apartment for my family.

To be honest, it's the best decision. Whenever I go to my former area to visit, I see how far I have come and understand that raising my kids their would've messed their psych.

But if u are just starting out, 2 months salary is okay, because u need to have rest of mind when u get home and relax well.

To this, it's a matter of doing what works for you and what you're comfortable with, putting preference and location in mind. When I started working some ten years ago, I was earning 74k and living in a house of 120k, then I changed location and rented same kind of apartment for 80k while I was earning 83k. Now I pay 150k rent and my monthly pay can cover that comfortably. So, there are no golden rules to this, do what's good for your current situation as regards factors around you. Peace.

federal9:
At least means [ 3,4,5 to 12]

At most means [ 1,2,3]

Which one do you mean?

U go school.

EmekusTHEgreat:
Depends on your salary, as at right now, I use about 0.45 that’s less than half on my monthly salary on rent, I’m a bachelor living in an affordable northern city.

The north is relatively cheaper in terms of rent. U can't compare with the east, west n south. I stay in Kaduna and a month's salary is more than my annual rent, and it's a two bedroom flat close to the road.

online4business:
People really no wan get sense sha...

There's no job security in Nigeria person won dey live beyond his means.

Las las my landlord is wicked na him go end am.

Excuses I want to live in a place where I can connect with big man and influential people... Continue dey play.

January go shock people the full effect of price of fuel and diesel dey come.

Herd men are disruption farmers guess what food prices will go up... The govt is not doing anything about it.

Your 2 months salary should completely pay your rent if not you're one step away from being homeless.

An advice to all landlord.

You're not a friend to your tenant you're offering him a service.

Na only money connect ona two oooo.

My own contract for my houses managed by law firm has legalese baked into it so I've the right to evict you without giving you 6months.

And they read this contract to you twice before you sign in front of a witness and a law enforcement officer.

Padi man cut your coat according to your size no carry hand reach where you nova reach.

Las las nobody really care about anyone ooo

Take a look and see people wey you know wey don die, you go see say nobody care about their family or pikin.

What you should be thinking is how can I make more money.

Use your Duncan oooo, akonuche ya garage zero.

Eni to ba lo mo. ki ekute [/b]ile sur fu[b] ti oko.

SO FUN