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Tomtomastom4's Posts

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FamilyRe: How I Survive On A Salary Of 95k As A Married Man by tomtomastom4(op): 7:15am On Aug 24, 2022
odimbannamdi:
Hi Op, I sent you a PM
Replied.
FamilyRe: How I Survive On A Salary Of 95k As A Married Man by tomtomastom4(op): 7:14am On Aug 24, 2022
On a general note, I work in the finance industry... I have some little experience. Am pleading to people with connections, especially in banks. As I hear say plenty staff dey japa from banking industry, that means there will be spaces to fill up as experience hire that start with ABO grade. Please if any one have connection or link to connection, plz do help me out.
FamilyRe: How I Survive On A Salary Of 95k As A Married Man by tomtomastom4(op): 7:10am On Aug 24, 2022
gunther6:
Oya if you don’t mind dropping your account number, take 50k. Satisfy your wife’s cravings. I salute you and your wife.

I have no words for that girl, 80% of Nigerians have less than 500k in their accounts. 40% of Americans have none at all and half of retirement age people cannot afford to retire.

Life transcends money, so long one’s life is lived with dignity. God bless you man.


I haven’t heard from the poster, @ tomtomastom4 pls reach out. Peace.
Hy...
FamilyRe: How I Survive On A Salary Of 95k As A Married Man by tomtomastom4(op): 7:06am On Aug 24, 2022
Olu1000:
I hereby pledge to support your wife’s delivery with 100k.Send me a DM so we can work out the details.
Thanks so much, I have DMed you. But its good to add that except there is complications that warrant an operation during child birth. My place of work have an HMO that will cover cost of normal delivery.
FamilyRe: How I Survive On A Salary Of 95k As A Married Man by tomtomastom4(op): 7:04am On Aug 24, 2022
purejustice36:
Boss pls mention me when your heavenly blessed wife has put to bed
E get why
Am placing a tag here.
FamilyRe: How I Survive On A Salary Of 95k As A Married Man by tomtomastom4(op): 7:02am On Aug 24, 2022
nenyewrites:
Is she having birth complications? If no, why is she at home doing nothing when she's just five months? That's how laziness starts.
I know it will come to this as I see a lot of comment complaining why my wife left her work.

My wife work in a food drug manufacturing company as a QA. The distinct drug smell of the company iritates her and makes her to throw up almost every minute.
The moment she enters the company, the throwing up starts and its already showing on her body cos shes beginning to look pale.

It was advised for her to stop.
FamilyRe: How I Survive On A Salary Of 95k As A Married Man by tomtomastom4(op): 6:59am On Aug 24, 2022
toprealman:
I wish I had the opportunity to recruit you to work or me. You are a real man!
Abeg o... If your office or branch is based in the north, I wouldnt mind working for you.
FamilyRe: How I Survive On A Salary Of 95k As A Married Man by tomtomastom4(op): 6:58am On Aug 24, 2022
Paramount01:
Where did u based?
Up North
FamilyRe: How I Survive On A Salary Of 95k As A Married Man by tomtomastom4(op): 6:49am On Aug 24, 2022
rickleye:
I've sent
Seen... Thank you so much sir. Like you said earlier, for baby stuff.

I gave the money to my wife for keep. When we buy the baby stuff, I will place a tag on you with the pix attached.

Thank you bumbleBEEBEE
FamilyRe: How I Survive On A Salary Of 95k As A Married Man by tomtomastom4(op): 12:49am On Aug 23, 2022
Blupen:
You are a liar my friend "you can do anything you put your mind on"
I still stand on my point. Forex trading isnt where a struggling guy need to invest in. The guy I responded too is a sch teacher earning less than 100k. He will only end up burning himself.

Mind you,forex is moved by market sentiment, political news etc. No matter how much you think you have learnt abt forex trading. No matter the strategy and indicators that you are using, if one political news come out, market might change rapidly and you will get burnt.
FamilyRe: How I Survive On A Salary Of 95k As A Married Man by tomtomastom4(op): 12:44am On Aug 23, 2022
Academicwizman:
Oga, I doff my hat for you for the struggle that you are going through. However, I do not see a plan for an escape route from this your analysis. I see you walking tighter rope in the future if this continues (I pray it doesn't/ Therefore, I'll like to ask the type of job that you do, particularly the timing. I am asking to know if a suggestion can be made.
I wrk in the finance industry. Am very optimistic, that things wont remain the same in the nearest future. Plans are on ground for greater hustling.
FamilyRe: How I Survive On A Salary Of 95k As A Married Man by tomtomastom4(op): 12:39am On Aug 23, 2022
ibizgirl:
Op, God bless you and your wife. You are on a good path. But this is just the beginning. You and your wife should try to expand your earning. You can't explain to a crying child no money for biscuits or indomine. God will not shame you
Its just a little set back. Am pretty sure our finances will get better. Just a matter of time.
FamilyRe: How I Survive On A Salary Of 95k As A Married Man by tomtomastom4(op): 12:36am On Aug 23, 2022
rickleye:
Excellent detailed report
I’ll give you #10k to buy baby stuff.
Thank you so much sir...
I sent u a DM
FamilyRe: How I Survive On A Salary Of 95k As A Married Man by tomtomastom4(op): 12:28am On Aug 23, 2022
emmeyen:
This is applaudable sir. But your wife shouldn't have just resigned without thinking of a little business that will not stress her because of her condition. Even when the child comes, she may still need extra three months before going back to work. Dont forget the work, na fimd she go find am. Please you should put heads together and come up with an idea for her and at the end she may not need to hurry back into the labour market. Anything may happen to your job tomorrow.
Ye. Am thinking of setting up a POS stand within our area. Hopefully the plan will pull through.
FamilyRe: How I Survive On A Salary Of 95k As A Married Man by tomtomastom4(op): 12:17am On Aug 23, 2022
Ovaltine:
Indeed, you are brainwashed.
Well you can say am brain washed, but me I never see person wey na forex be him full time job. I tried forex too. Wasnt promising at all.
FamilyRe: How I Survive On A Salary Of 95k As A Married Man by tomtomastom4(op): 12:15am On Aug 23, 2022
gunther6:
Oya if you don’t mind dropping your account number, take 50k. Satisfy your wife’s cravings. I salute you and your wife.

I have no words for that girl, 80% of Nigerians have less than 500k in their accounts. 40% of Americans have none at all and half of retirement age people cannot afford to retire.

Life transcends money, so long one’s life is lived with dignity. God bless you man.


I haven’t heard from the poster, @ tomtomastom4 pls reach out. Peace.
Thank you so much for your kind heart

I sent you a PM, woulndt want to drop my acct details in a public forum.

Or if you are online now, I can drop it then edit it when you have seen it.
FamilyRe: How I Survive On A Salary Of 95k As A Married Man by tomtomastom4(op): 12:02am On Aug 23, 2022
Q Bigwig02, I replied your DM
FamilyRe: How I Survive On A Salary Of 95k As A Married Man by tomtomastom4(op): 11:59pm On Aug 22, 2022
@ Chisave I have replied your DM. Thanks for reaching out.
FamilyRe: How I Survive On A Salary Of 95k As A Married Man by tomtomastom4(op): 11:34pm On Aug 22, 2022
Chisave:
Oga, someone just promised to support you with 50k. And he is saying he hasn't heard from you. Kindly check the second page of your thread
Wow... Too many mentions. So sorry, am not usually online that often.

Checking out page two.
FamilyRe: How I Survive On A Salary Of 95k As A Married Man by tomtomastom4(op): 9:43pm On Aug 21, 2022
lalasticlala
FamilyRe: How I Survive On A Salary Of 95k As A Married Man by tomtomastom4(op): 9:38pm On Aug 21, 2022
xxmoney15:
Guy u need to start learning skills or getting a better job.

My salary is 76k as a teacher but my living with 2 kids n my wife isn't working yet is a miracle. Just that as a physics teacher I do get private lessons, waec registration business.

Currently I'm learning forex seriously because I want to be in charge of my future. Rent is pH is not cheap, 300k for that matter.

But na God de run am for us
An early advice. You cant make a living out of forex trading. Better stop wasting you little resource and time.
FamilyRe: How I Survive On A Salary Of 95k As A Married Man by tomtomastom4(op): 8:45pm On Aug 21, 2022
LikeAking:
Op u too much.

U will go very far in life.


U are also living in the right house for ur salary...

E go beta.
Thanks a lot. Though there are houses of 70-80k. But na public houses. Me I cant leave in such places at all.
FamilyRe: How I Survive On A Salary Of 95k As A Married Man by tomtomastom4(op): 8:44pm On Aug 21, 2022
Valoromega:
It's not easy but when you have an understanding woman then it becomes easy.
All my life I prayed to God for a woman that will complement me cus me I don't know how to save money. Just imagine that I got married to a woman who's a lavish spender like me, Dat na wahala.
The truth is that when kids start to come more expenses will surely come that sometimes even that ur salary won't be enough.
I believe it's easy to maneuver when there are no kids yet.
Like me I just got married this year, no kids yet so I'm using this time to build up my finances cus when kids come that's when the journey starts
Yes o... When kids come, wahala dey o. But me and my wife are already planning on how to manage things when kids arrive. With the way pampers are expensive. We are planning on using napkins. There is no shame in it. Napkins were used on me. I remeber vividly washing the napkins of our last born. None of us sick cos of that, so why waste moeny in buying pampers that will drain the fund you are managing.
FamilyRe: How I Survive On A Salary Of 95k As A Married Man by tomtomastom4(op): 8:27pm On Aug 21, 2022
Valoromega:
It's important that both partners should be doing something that brings money home because as a married man earning that amount it can be really difficult because you have more responsibilities now. It also boils down to how you spend your money.
Just pray you get a wife who will be able to help you spend your money well. Cus even if ur a millionaire, a wasteful woman will wreck you
E no easy brotherly. But am happy I have an understanding wife. She always tell me not to bow to pressure from anything or any one. If na one cloth I dey wear go wrk, as long as the cloth is neat, make I no send anybody.

I believe after birth, once shes up and doing, she will get a job to do to support our finance.
FamilyRe: How I Survive On A Salary Of 95k As A Married Man by tomtomastom4(op):
CC: Rozross

Its also good to add, No special outing to buy fancy things. We just dey do our thing on a low key. What ever fancy thing we crave for, whenever we have the extra cash, we buy and eat at home.




Modified
On a general note, I work in the finance industry... I have some little experience. Am pleading to people with connections, especially in banks. As I hear say plenty staff dey japa from banking industry, that means there will be spaces to fill up as experience hire that start with ABO grade. Please if any one have connection or link to connection, plz do help me out.
FamilyHow I Survive On A Salary Of 95k As A Married Man by tomtomastom4(op): 8:14pm On Aug 21, 2022
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.
RomanceRe: I Told My Girlfriend That I Needed A Break, Did I Do Wrong by tomtomastom4(op): 10:07pm On Dec 06, 2021
Kobojunkie:
You committed yourself to being her sole provider in the relationship, and you admit too that you didn't meet up on your part of the commitment which is what she complained of too. undecided
Lol... I admitted that based on what people do for their babes, I haven't done much, buy didn't insinuate that I will be her sole provider.
RomanceRe: I Told My Girlfriend That I Needed A Break, Did I Do Wrong by tomtomastom4(op): 10:06pm On Dec 06, 2021
Kobojunkie:
a relationship is defined by the contract you make with your partner...all relationships are not the same in this. undecided

You promised her you would take care of her aka be her sole provider and you failed,this by your own admission. undecided
Nah... I never mentioned nor said that I would be her sole provider.
RomanceRe: I Told My Girlfriend That I Needed A Break, Did I Do Wrong by tomtomastom4(op): 7:41pm On Dec 06, 2021
Kobojunkie:
You promised her you would be her sole provider, so it no longer matters what your financial capacity and expenses are once you make that commitment. You should have considered your financial capacity and expenses before deciding to pledge your person as her sole provider. undecided

The mistake is yours - you chose her and committed yourself to her in the manner that you did. You should have first resolved your financial state before entering into such a commitment to begin with. No be for mouth dem dey take live big man life. undecided
Lol... Wch part of relationship makes the guy a sole provider.
RomanceRe: I Told My Girlfriend That I Needed A Break, Did I Do Wrong by tomtomastom4(op): 7:40pm On Dec 06, 2021
Kobojunkie:
1. You are the one who chose the woman and made that sort of commitment to her of your own admission. There are so many women out there who don't need handouts and all from their man or any man for that matter. You overlooked all those probably because you have big man issues or something. undecided

2. Next time, choose weight wey you know say you fit carry. undecided
I don't understand what you mean by commitment.
RomanceRe: I Told My Girlfriend That I Needed A Break, Did I Do Wrong by tomtomastom4(op): 3:38pm On Dec 05, 2021
Mercychen:
Why would you do an update in an old thread?

Those who read the previous post will not be able to follow it cos they won't know what page it is or even have the time to start checking.

Better you create a new post afresh for the update.
undecided
RomanceRe: I Told My Girlfriend That I Needed A Break, Did I Do Wrong by tomtomastom4(op): 3:38pm On Dec 05, 2021
Mariangeles:
OK. I get you.
wink

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