₦airaland Forum

kpogede77:
Let them move to Abuja to detonate more bombs so that Jonathan can relocate to Bayelsa to facilitate the sharing of Nigeria for good. Up Boko Haram, help us to share Nigeria and have your Islamic republic

You goomba fcuks that tolerate or even rationalize these ignominious atrocities clearly do not have relatives living in the North.

Pray you don't ever get to know the true meaning of war.

soulfood:
A team.2010.
Mr T's expression when the electric transformer fell on his van. "hawwwwwwwwwwww. i am gonna kill you,

LOL. Yes my guy, that scene's my favorite too.

I can't remember how many times i've gone back just to see that crazed out look on B.A.'s Face. Classic!!!

I use the HTC HD7 and its GORGEOUS!!!

Apart from the awesome hardware, the Windows Phone 7 OS is just mindblowing.

The phone is so simple and smart it makes the blackberry and iphone 4 look like dummies.

If u need to get things done and have fun doing it, get a windows phone 7.

You'll thank me later.

Arrowman:
those saying he has no right are getting it all wrong.im 4rm south but lived all my life in north.2 be sincere daily trust are sometimes sentiment by their publishes.just take a good look about may 25 paper of dt.check d page of say your view about GEJ inviting his opposition 2 d innaugural ceremony that is Muhammdu Buhari.and u would c dat dt has not done right by publishing some of d offensive words roard on GEJ by my brothers in d north. so so bad

Hmmm! Master!!! Na u win the argument.

But, abeg wait first, make i carry my kaya commot for here!!! before you crash the whole nairaland.

This oponnu Sule Lamido nitwit is at it again!

The nutjob violated the reporter's basic human rights and his rights to freedom of movement as a citizen of Nigeria by banning him from attending occasions simply because he as the governor is present.

What court issued the injunction to that effect?

I hope the reporter sues his backside for all the dimes he's worth.

BLOODY ANIMAL!

KKEZ:

NA TRUE O! NIGERIA SPOIL BUT E NEVER REACH THE ONE WEY SOME IJIOT GO CARRY MAN LIKE AM COME SHOW HE PAPA AND MAMA AS HIM HUNCHBAND! FIRE!

^^^^
ROFLMAO.

This is happening LIVE!. You better voluntarily come out of your denial bubble before some gay guy rudely burst it for you , with his prick!  

Life just sunk into a new low for that f a g's family.

O ma  se o!

engineerd:
hmnnn, dats all i can say! Aiye ti sun mi!

Haa! ki lo de? Ki lo le to bee? take it easy my friend, there's no problem without a solution.

Calm down and figure the best way out.

wish u luck.

Sike:
Wow! MONEY EVERYWHERE, Hw come evrybuddy is talkin bout money? Long life and prosperity is dia u didnt request dat, 80% of all da priorities here lies in money, I tire o!
BTW! Dia must be smth good bout dis tin, i tink i'd beta stick 2 it too, Hey! Me too,,, I WANT MMMONEY OOOOOOOO!

^^^

You're so funny.

pady2:
@ultrame, nice and selient points you made there. you see pple workin and can't just figure how to spend their monies on a -strictly need to have basis but on impluse and then come here to whine.thanks man!dats wot i do exactly myself.hope pple learn from this knowledge you shared.

^^^^
Thanks Bro. Glad i could share.

10cirenoh:
Things that use to eat into my finances are things i shouldn't joke with but i am making changes (transport to church alone cost me close to 2k monthly, transport to school every month is like 11k, internet is like 16k monthly (2 network provider because of my nature of job), fuel like 12k monthly, PHCN like 500 monthly, feeding is there, house-rent, domestic items needed and all that.
With a monthly budget of 100k or thereabout, if i remove all these stuffs, i find it hard able to face the debts, calculating it alone gives me heartache, sometimes i feel i am living another person's life since i hardly think of mine.

^^^^^
Ok Bros, I get where you are coming from and it’s a very steep climb.

Let’s extract some facts from your posts
1. Total debt portfolio: 2M
2. Monthly income: about 150k
3. Monthly expenses:
      a. transport to church: 2k
      b. transport to school: 11k
      c. Internet: 16k
      d. Fuel: 12k
      e. PHCN: 0.5k
      f. Others (feeding, rent, domestics): 20k at most
Total Expenditure: 61.5k
This leaves you with a wiggle room of about 89K (150k - 61k)for your repayment each month.

Now let’s see how much you need to repay on a daily basis if you’ve got a 12-month (365 days) tenure
= N2, 000,000/365
= N5, 480/day or 164K (N5, 480 x 30)/month

At your current income, it’s quite clear you can’t meet your goal, so something’s got to give. You may either adjust the tenure or jack up your income by either cutting more on expenses or looking for a supplementary income source for the remaining 75K.

Good luck my brother. Make it work.

10cirenoh:
Whether to jump from the cliff or to keep hoping : THIS DEBT IS KILLING ME SLOWLY, CAN'T THINK STRAIGHT WITHOUT THE DEBTS RUNNING INTO EVERY THOUGHT!!!!

Does anyone know how to pay off one's debt even when the source of income is as low as 5% of the total debt?

^^^^
Bros, if you want to become debt-free, the very first thing you've got to do is to work out a REPAYMENT PLAN. A basic plan is to divide the Total Debt Volume (plus interest) by the Tenure. (Tenure here is the number of days you've been given for repayment).

The result of this calculation is how much you have to "repay" on a daily basis in order to meet your plan.  Work towards it.

But if your income is significantly lower than your debt volume, then you've got to even out the odds and tip the balance in favor of your income by cutting your expenses. ALL SECONDARY EXPENSES that will make your life more comfortable, but you can still survive without must STOP.

That means no more Mr. Biggs for your chick, no more Amala and assorted binge in shita, and those fine pair of crocodile-skin shoes you saw in that show-glass? They never got made. (A shark probably ate THE crocodile at a baby age or something… It doesn’t matter all you know is that those shoes never made it to production!)

You'll be surprised how much you save by plugging your income leakages.  Be disciplined and prudent with your spending. If its not a basic need, it doesn’t get bought.

The next thing you need to get out of the debt trap is up to you. Its called DETERMINATION. Stick to the plan. Don’t get tempted into spoiling yourself prematurely. Wait till you’re cleared of all debt before you go out on a date with the flyest girl in town. - she’ll probably just take off the moment she knows you’re neck deep in debt-muck anyway. So do yourself a lot of favor and stick to the plan!

Remember, you’ve got all it takes.  You can do this.

I wish you luck my friend. I’m still loving this thread.

Turns out she wasnt cheating afterall. She's really hurt. How do i make this right?

Rokia, deep thread!

Please allow me to add my own rants.

1.  I feel there's nothing else left to be learnt in my present employment. I feel this strong urge to just move on. Pay's good and everything but i just
    don't feel this job anymore. I feel i need something fresh!!!. But then, How i'm i gonna pay the bills?

2.  Really thinking of travelling for a master's degree, but what's the point? at the end of the day, still no job.

3.  My head is burstling with ideas of what i can do, but no start-up capital. What kind of country is this sef?

4.  Now comes the major one that has me really sober. I think my girl is seeing her Ex again. Which level?

Na wah o. Phew,

Don't Tell Me - Hoobastank

40 Day Dream - Edward Sharpe And The Magnetic Zeros

42 - Coldplay

Radiant Eclipse - Avenged Sevenfold

Climbing Up The Walls - Radiohead

Amsterdam - Coldplay

The New Pollution - Beck

F.N.T - Semisonic

Made Of Steel - Our lady Peace

I'm A Lady - Santogold

Down In A Hole - Alice In Chains

Clocks - Coldplay

Subterranean Homesick Alien - Radiohead

Drummer - Coconut Records

Slept So Long - Jay Gordon

Flying Above Everything - Armor For Sleep

Vehicle - Shirley Bassey

Name - Goo Goo Dolls

Take A Picture - Filter