₦airaland Forum

This is really nice and a good source of income for someone in this line of business. The capital is low and the return on investment is really high.

But I will like to chip this in, that for those that would like to get a quick loan to start a business that would require more capital, here is your chance to get it started with a quick loan of up to N5million from Page Financials.

Just visit www.pagefinancials now to get a loan.

Remember, you have to be a salary earner living in Lagos.

You can start the following business with 100k;

Online clothing wears: The thing about this is that you must be someone that understands style very well to be able to sell what people would buy and you can do that online so no need for a shop. just get a supplier and his/her number to send you pictures of new collections that you would post online for your customers. Then do a facebook advert to boost it further and business begins to boom gradually.

Office shoes: This one would work well in Lagos. You could sell shoes online also that are office inclined not for clubs because those ones are usually expensive and the customers are not as wide as those that need shoes for office.

Accessories: accessories are always eye-catchy and easy to sell because it is usually not expensive. trendy face caps, bandana, scarfts, phone accessories, midi-rings, earrings, sunshades, and the likes. and you don't have to own a shop, just start online and do a little instagram and facebook advert to reach more people.

Farming: I would suggest cassava because it does not require so much money, it grows in 5months, and your pool of customers is wider considering the fact that it can be used for garri, fufu and abacha,

Chin-Chin/Popcorn: Nothing sells faster than fingers snacks especially in Lagos where there is always traffic and people just want to snack on something. although Popcorn is better considering the fact that it is not as stressful as making chin-chin and you would make more profit from popcorn compared to chin-chin. Also, popcorn does not require so much expertise like chin-chin so anyone can do it with just corn, butter, oil, sugar, and flavor if you want to go extra and packaging.

Plantain Chips: Like popcorn, it requires no expertise, just oil, salt and the plantain with the packaging and that is all.
Others include, bags and purse, belts and wallet for guys, wrist watch for ladies. etc

If you would like to start a business soon you need a quick loan of up N5, 000, 000, then visit www.pagefinancials.com to get a quick loan.
Note that the minimum you can get as a loan is N100,000 which makes it even better, just in case you want to start really small.

Again visit www.pagefinancials.com to get a quick loan for your business.

With 200k, you can start the following business;

Accessories: You could start selling small-scale accessories like sun-shades, earrings, midi rings, phone accessories, trendy face-caps and you won't have to own a shop, just start online with a little Instagram and Facebook ads to reach your customer.

Farming: I would suggest cassava because it does not require so much money, it grows in 5months, and your pool of customers is wider considering the fact that it can be used for garri, fufu and abacha,

Chin-Chin/Popcorn: Nothing sells faster than fingers snacks especially in Lagos where there is always traffic and people just want to snack on something. although Popcorn is better considering the fact that it is not as stressful as making chin-chin and you would make more profit from popcorn compared to chin-chin. Also, popcorn does not require so much expertise like chin-chin so anyone can do it with just corn, butter, oil, sugar, and flavor if you want to go extra and packaging.

Plantain Chips: Like popcorn, it requires no expertise, just oil, salt and the plantain with the packaging and that is all. everyone loves plantain chips in Lagos.

If you would like to start a business soon you need a quick loan of up N5, 000, 000, then visit www.pagefinancials.com to get a quick loan.
Note that the minimum you can get as a loan is N100,000 which makes it even better, just in case you want to start really small.

Again visit www.pagefinancials.com to get a quick loan for your business.

With 150k, you can start the following business;

Farming: I would suggest cassava because it does not require so much money, it grows in 5months, and your pool of customers is wider considering the fact that it can be used for garri, fufu and abacha,

Chin-Chin/Popcorn: Nothing sells faster than fingers snacks especially in Lagos where there is always traffic and people just want to snack on something. although Popcorn is better considering the fact that it is not as stressful as making chin-chin and you would make more profit from popcorn compared to chin-chin. Also, popcorn does not require so much expertise like chin-chin so anyone can do it with just corn, butter, oil, sugar, and flavor if you want to go extra and packaging.

Plantain Chips: Like popcorn, it requires no expertise, just oil, salt and the plantain with the packaging and that is all.

If you would like to start a business soon you need a quick loan of up N5, 000, 000, then visit www.pagefinancials.com to get a quick loan.
Note that the minimum you can get as a loan is N100,000 which makes it even better, just in case you want to start really small.

Again visit www.pagefinancials.com to get a quick loan for your business.

With 300-350k, you can start farming cassava, plantain, okro, vegetables like ugu, watermelon, pineapple, and corn. Those are things that grow from 5 to 9 months and they are food items that usually do not go out of season.

But if you would like to pick just one, then you should go with cassava because it can be used to do different things like garri, fufu, abacha, so the benefits of cassava are more compared to the other crops and plants.
Not only that, it takes 5 months for cassava to become fully grown.
another advantage of cassava is that you get to cater to different needs at the same time, making the pool of your customers wider.

If you would like to start farming and you need a quick loan of up N5, 000, 000, then visit www.pagefinancials.com to get a quick loan.
Note that the minimum you can get as a loan is N100,000 which makes it even better, just in case you want to start really small.

Again visit www.pagefinancials.com to get a quick loan for your farming business.

Farming is one of the most lucrative businesses one can do in Nigeria, considering the fact that Nigerians spend over 40% of their monthly earnings on food followed by accommodation and transportation.

As a matter of fact, it would be very wise for almost everyone to have a piece of agriculture that they produce, even if it is just aloe vera or corn.

But again not everyone has the time to go full time or the space to plant, but that should not be the reason for not trying.
If getting the money to start is the issue, then that is also not a problem because, with quick cash loan of up to N5million from Page Financials, farming just got easy.

If this is your case, quickly visit www.pagefinancials.com to get a quick loan from Page Financials to sort the bills and make life easier.

Wooow, this is really awesome. real estate is actually the future and it's wise to start investing in it now. The population of the world would keep increasing especially in Nigeria and people would always need a place to stay.

But currently, not everyone can afford to start a real estate investment, but that should not be the end of that right?
The solution is to first start an investment that would let you earn up to 20% and then you can now use the profits and capital after you must have repeated the investment process twice or more to start a real estate investment.
Sounds nice right?
To start an investment plan today, visit www.pagefinancials.com and thank me later.

Just in case the offer above is closed already, I would like to let you know that you could earn up to 20% on your investment with Page Financials.
Page Financials is a leading financial institution that provides customers with quick cash loans, high-interest rate investments and target savings.

If you would like to start an investment plan with Page Financials, visit www.pagefinancials.com and let your money start doing the work for you.

Speaking of being an Uber driver, do you know that as a salary earner you could also be an Uber driver to earn some money on the side? It's so easy, all you would need is to get a clean car. And this is how it would work. When you are going to work in the morning, you get a customer going your way and they pay for it, especially if you work in office dominated areas like Lekki, Ikoyi, VI or Ikeja Axis. People usually go to places like that everyday so getting a customer on time is very easy.

Also, when you are leaving work, from your office you could get someone close by that is also going in your direction and voila, you have made N5,000 to N10,000 in a day.

If you don't have a car yet, don't worry, just visit www.pagefinancials.com to get a quick loan of up to N5,000,000.
And you won't even have to spend up to that to get a car and you can spread your repayment over 12 months.
It's that easy now.

As unromantic as it sounds, finances play a big role in how successful and how happy a marriage would be. On the bright side, a survey revealed that couples who trust their partner with finances feel more secure and happy in their relationship.
As married couples, you would inevitably begin to coexist, co-spend and co-save and the finances could become a bit tricky and overwhelming sometimes mostly because you now have to consider your partner.

But as overwhelming as it may seem, the following tips would help pave the way for a smooth financial start for newly married couples.

1. Start the conversation
Ideally, the money conversation should already occur before walking down the aisle and saying I do but, if that has not been done to the letter, now is the time to have the money talk. One of you might be tempted to abandon the financial details to the other partner but this should not be so.
You both need to be aware of your financial situation to know what each person is bringing to the table in terms of salary, savings, assets, loans etc. This would pave a way for proper planning.

2. Set a Budget together
Budgeting is usually not fun for most people but it is very necessary for preparing for a tension free, financially healthy marriage. Although how you set your budget depends on the details from your financial conversation, the most important thing is that your needs and wants should align with what you both have at hand to spend. Most importantly ensure you both have a long term savings or investment plan.

3. Set Some Goals
Every financially healthy marriage begins with goal setting. To be financially healthy, couples need to set both short and long-term goals. When setting a short term goal it is important to be certain of your short term goals. If you are not sure of what your short term goals are, they are usually things or activities you would like to buy or achieve in a year or two, like taking a vacation or renovating your apartment or buying a new car. Once you have set your short-term goal, it is advisable for you to set up different savings account for each goal with an automated savings plan in order to achieve your short-term goals.
In regards to long-term planning, anything two years out and further should be considered as a long-term goal. For instance, buying and owning a home could be a long-term goal, sending your kids to a private or government-owned school is a long-term goal. And of course, your retirement plans should be considered as a long-term goal. Since these goals are further out, you'll want to get your money working harder for you in the meantime and this is when investing comes into the mix.

4. Start Investing
The image of what you want your retirement to look like is as important as your investment plan but before you take the decision to invest, you need start an investment plan with goals in mind on what and why you are investing, next to that is knowing the right financial institution to invest with, so it does not seem like you are gambling with your money.
If you could start and stay committed to these four tips at the very beginning of your marriage, then be sure to have a smooth ride financially.

While investing and mining bitcoin seems to be the order of the day, it is important to note that not everyone can mine or invest in bitcoin. Investing in Bitcoin requires so much knowledge and concentration and of course a lot of money if you want to make more.
The downside to this is that a lot of naive people just rush into investing Bitcoin and then get their hands burnt and lose all their money because they either lack accurate information or they are not consistent in monitoring it.

The good news is, rather than gamble with Bitcoin that you are not so sure of, just visit www.pagefinancials.com and start an investment plan that allows you to earn up to 20% of your money.

Farming is very lucrative if you have adequate knowledge about it. But you must give it your all, especially when you first start and that time is what most people do not have.
Leaving your farm for someone else to manage is like building a house for someone else to live in it while you stay outside because they might end up taking all the profit leaving the farm empty eventually.

However, if you want your money to work for you while you are busy with other things, you could start an investment plan with Page Financials and earn up to 20% on your investment. This way you don't have to stress yourself by going to the farm constantly and you won't have to worry about the headache of getting a good farmer to manage your farm.

To start an investment today, visit www.pagefinancials.com

Getting personal loans from banks in Lagos could be a rigorous process especially when you do not have as much asset as required to be used as a collateral. Not only does this limit the progress one could achieve if the loan is given at the right time, but it also increases tension as other needs would be left unattended to.

The good news is, financial institutions like Page Financials, have stepped in, to rescue salary earners who do not have the collateral needed to get a loan. That is not all, unlike major banks that take a long time processing a loan application, Page Financials would process and disburse a loan of up to N5million in 3 hours or less provided the documents required are complete and accurate.

The documents required to get a loan from Page Financials includes; 6 months statements of account from a salary account, a Valid government issued and work ID card, accurate BVN, post-dated cheques for repayment or Remita account details, and that is all.

If you are salary earner in need of a personal loan, visit www.pagefinancials.com to get a quick loan today.

If you are looking to get a quick loan to pay bills, sort out emergency payment or just live a more comfortable life, you should look no further. Visit the most trusted loan financial institution in Nigeria, where you can get a quick cash loan of up to N5million in 3 hours, provided you are a salary earner and you live in Lagos.

Page Financials is the No 1 trusted financial institution in Lagos Nigeria, that offers quick loans to salary earners with a minimum of N60,000 monthly salary in Lagos, to sort out emergency bills and just make living more comfortable.

Call 01-6317243 or visit www.pagefinancial.com to get a quick loan today.

Are you a salary earner living in Lagos? Don't let the strike ruin the plans you have to make the payments required to meet your needs.
You don’t have to wait until the end of the month before getting the money you need to sort the bills or make payments for emergency needs.
All you need is to visit www.pagefinancials.com to get a quick loan of up to N5million in less than 3 hours.

Although this is not pleasing to so many people but to every dark cloud there is a silver lining. Salary earners in Lagos don't have to wait till the end of the month or for an increment in salary before they get the money they need to sort out the bills and make all necessary payments.
Lack of money should not ruin the plans you already set to achieve before the end of the month when you can access INSTANT QUICK CASH from Page Financials.
At Page Financials, salary earners have the opportunity to access loans from N100,000 to N5million within 3 hours at a low-interest rate.
And the best part is, you don't need a collateral or a guarantor to get a quick loan from Page Financials, all you would need are:
- 6 Months bank statements from a Salary Account;
- Government issued ID
- Work ID card
- Employment letter or Confirmation letter (Optional)
What are you waiting for? Let's help you meet those needs now.
Visit www.pagefinancials.com now!

Although this is not pleasing to so many people but to every dark cloud there is a silver lining. Salary earners in Lagos don't have to wait till the end of the month or for an increment in salary before they get the money they need to sort out the bills and make all necessary payments.

Lack of money should not ruin the plans you already set to achieve before the end of the month when you can access INSTANT QUICK CASH from Page Financials.

At Page Financials, salary earners have the opportunity to access loans from N100,000 to N5million within 3 hours with a low-interest rate.
And the best part is, you don't need a collateral or a guarantor to get a quick loan from Page Financials, all you would need are:

- 6 Months bank statements from a Salary Account;
- Government issued ID
- Work ID card
- Employment letter/Confirmation letter(Optional)

What are you waiting for? Let's help you meet those needs now.

Visit www.pagefinancials.com now!

Living in Lagos is very interesting but with twists and turns. Like people would say 'the money made in Lagos stays in Lagos'. Simply because Lagos is synonymous with spending. For anyone that has lived in Lagos for a reasonable amount of time, you would understand that feeding, housing, and transportation are the three major things that would make you spend more than 50% of your monthly income.
That is just on a lighter note. Unexpected spendings could also take up to 40-70% of your monthly income all at once leaving you almost stranded financially.

If you live in Lagos, unexpected spending is almost unavoidable all through the year. For instance, during the rainy season like we have currently, a lot of car owners have had to repair their cars with almost half the price of getting a new one. I'm very sure they did not plan for the rain to become heavy enough to cause a flood, neither do they save money specifically for heavy car repair especially when they do not have an insurance or when they have just paid a huge bill like house rent or school fees.
That is why you should know the right place to visit when an emergency need for money arises.

In Lagos now, there are a lot of loan facilities that gives quick loans without collateral and guarantor and one of such is Page Financials, a CBN accredited financial institution.
At Page Financials, you can get a loan of up to N5, 000,000 in less than 3 hours provided you are a salary earner living in Lagos.

So whatever the need may be school fees, emergency medical fees, expensive car repair, new car, new home or a travel loan, just visit www.pagefinancials.com for a quick cash loan.

While it is true that a lot of fraudulent people now use fraudulent loan lending apps and website as a platform to disguise as a helping hand, it is absolutely impossible to be scammed by just sharing your BVN.

It is, however, important to know that the major reasons loan facilities would request for your BVN is to make the loan application process easier (so you won't have to input your bank and contact details during the process) and to also have an accurate information on whether the person applying for a loan is not on an existing unpaid loan and would be able to pay back the loan to be borrowed.

It is also important to confirm if the loan facility or app you want to lend from is licensed and accredited by CBN, and this you would find on their website. For financial institutions like Page Financials that gives personal quick cash loans of up to N5, 000,000 to salary earners living in Lagos you can be assured that your information is safe and would not be shared with a third party.

However, the only way you could be scammed by sharing your BVN is that the information (like your contact details, the name of your bank) on your BVN can be used to get other vital information from you. Scammers could use the information like contact details on your BVN to send you messages like this: 'Your bank account has been blocked, please send your pin and password to unblock your account'.
They would even go as far as telling you the name of your bank so you can believe it. This is when you have to be smart and remember never to share your pin and password with anyone over a text message, DM, email, or phone call.
If you get such messages, visit your bank and verify if the message was from them.

If you would like to get a quick cash loan from a registered, licensed and accredited loan facility in Lagos, just visit Page Financials.

Stay Woke people!

CAN YOU AFFORD A CAR?

This is the question you should always ask yourself when you are faced with the need for a car.

THREE SIMPLE WAYS TO FIGURE IT OUT

The thought of getting a car for a young adult that is just starting and settling into a career path is usually top of mind. In a place like Lagos Nigeria, the cost of commuting to work daily is quite high and next to feeding right after housing, especially for those that stay far away from work. Apart from the cost, the stress of using public transportation to commute to work can be very frustrating.
But before you decide to get a car, are you sure you are ready for it?
For such a big purchase, there are three rules you should consider before going for a car shopping.

Rule #1: The 20% Rule
The affordability of getting a car is dependent on the cash you have at hand. If you have read the spending rules posted earlier, you would understand that the 20% savings plan is a sacred and that would come in handy at a moment like this when you really need to get a big purchase like a car.
If you do not have some money saved up before but you have enough money to afford a car, then you should go for it, but now is the time to take the 20% rule serious because it could serve as a bonus insurance now that you would be getting a car.
The most important thing is that, the moment you make payment for a car, you must start a fresh 20% savings plan or adhere strictly to an existing savings plan.

Rule #2: The Financing Rule
Not everyone would have some cash sitting somewhere waiting to be used for the purchase of a car. So, you have to think about how you intend to pay for your car if you are in dire need of one. Presently, there are loan institutions that can offer loans of up to N5million in Nigeria. But before you take a loan to get a car, ensure you do a proper analysis of your repayment plans. Ensure your repayment plan is convenient enough and you have enough left for your other basic needs, like feeding and accommodation. If the cost of the car you intend to get is too high and would affect your basic needs in the long run, you should consider buying a car with lesser price and similar specifications that fits into a reasonable repayment budget.
Remember you must have enough to also fuel the car once you purchase it.

Rule #3: The Retirement Rule
Next to the 20% savings rule is the retirement savings plan. This is the most important savings plan if your organization does not make provision for a retirement fund. You don’t want to ride all the cars you want as a young adult and wait on your kids to send some extra cash before you can live your retirement days in comfort. (Not like this is an entirely bad thing) Ensure you getting a car would not tamper with your retirement plan if your financial situation allows it, you can totally ignore the other guidelines and dedicate more of your monthly budget to buying a car, as long as you’re not paying so much for a loan repayment that you cannot afford to have a retirement savings.
That’s the whole rule. Ensure you have a 20% savings account for emergency, get a loan with a convenient repayment plan if need be, and ensure you have a retirement savings account.

As parents, the thought that summer is over would make you happy and uneasy at the same time. Happy because the kids are now back in school and you don't have to worry about the mess they create while you are away at work and you would be uneasy because it's about time to get their school fees sorted, shop for their school supplies and every other spending in between.

Paying school fees should not be a problem because with Page Financials you can now get a quick cash loan of up to N5,000,000 in less than 3 hours provided you are a salary earner and you live n Lagos.

If this is for you, click here now to get a quick cash loan from Page Financials.

Everyone loves the good aroma and the corresponding taste of good food. Anyone traveling to a new destination would always think about what they would eat on their trip. While some would still love to have some of the food varieties they have at their home country, some other would not want to see any food they are already familiar with so eating it would be a no-no. For people like that, they are often called ‘foodies’ because they usually want their taste bud to go on an adventure with them.
If you are a foodie and you would be traveling soon, you should check out some of the foods you should try out and the ones to say no to when traveling to any of the destinations below.

1. Mexico
The cuisine in Mexico is as interesting and dynamic as their dance moves so you can be sure that your taste bud is in for a great ride. Apart from their famous tacos and enchiladas, Mexico is the central station for nutritional super-foods. All that avocado, tomato, lime, garlic, curry, beans, chilly, chocolate that goes into most of the Mexican foods and snack are rich with antioxidant and a lot of health benefits. If you would be traveling to Mexico soon you should eat their Mole sauce, Tacos, and Tamales and try not to eat tostadas which are basically the same as a taco but served in a crispy fried tortilla which breaks into pieces as soon as you bite into it making it impossible to eat.

2. Italy
Italian food has enslaved taste buds around the globe for centuries, with its zesty tomato sauces, well baked with precision pastries and desserts, artistry noodles and pasta among other mouth-watering dishes that leave you paying for more.
From the cheesy risottos to the crisply fried meats, Italian cuisine is a compilation of crowd-pleasing comfort food. If you would be touring Italy soon, you should try their Ragu alla Bolognese also known as Spaghetti bolognaise, Italian style salami, and of course Italian bread and coffee.

3. Thailand
Thailand is the home for street foods. Every corner draws you close to a delicious delicacy with influences from China, Malaysia, Indonesia and the deep roots of Thailand. The combination of so many herbs and spices in each dish produces complex flavors that somehow come together like orchestral music. A Thailand dish would taste spicy, sour, salty, sweet, chewy, crunchy and slippery all at once.
If you would be visiting Thailand soon, you should eat the Tom Yam Kung a rave party for the mouth, Massaman curry and Som tam, a popular green papaya salad that is sour, extra spicy, sweet and salty. It's the best of Thai tastes.

4. Greece
Traveling and eating in Greece is like yummy food from a glossy magazine come to life. Greece is known for its colorful, delicious salads with meats that is well roasted with Olive oil. Eating in Greece is also a way of consuming history. A bite of dolma or a slurp of lentil soup gives a small taste of life in ancient Greece, when they were invented.
On your next visit to Greece, you should eat the Spanakopita that is made with spinach with its feta cheese mixture and flaky pastry cover. You should also try Gyros, a pita bread sandwich of roast meat and tzatziki.

5. China
In China, food is as important as the air they breathe most especially their soups. Food has been a form of escapism for the Chinese throughout its wild history.
Apart from the fact they are capable of producing just about anything, the Chinese people are also very good at making food that tastes great. China's regional cuisines are so varied it's hard to believe they're from the same nation. It's not a food culture you can easily summarize. If China is on your travel bucket list, you should eat the Dim Sum make with a long list of ingredient you would not believe would sum up to just one dish. You should also try the Xiaolongbao the incredible Chinese soup.

If you have one of these countries on your travel bucket list you should click here, let's see what we have for you.

There are a few exciting things about buying a house with your significant other. It shows that your relationship is strong and that you’re ready to take the next step. However, the home buying process can be stressful, which means it can be quite a strain on the both of you.
Here are four tips that will hopefully make buying a home with your partner a process that’s as stress-free as possible

Get on the same page
Deciding that you want to own a home together is not the same as being on the same page. You need to sit down with your partner and figure out exactly what you both want in a house. One of you may want to live in an urban area while the other may prefer the suburbs. Your partner may like the idea of designing and building the house from the scratch while you may want to buy an already built house. If you don’t go over these things together beforehand, you’re going to have a lot of arguments as you start this journey. You’ll also waste a lot of time looking at homes one of you may have no interest in. Sit down and compare a list of wants and needs, and find a way to compromise so that you’ll both be happy.

Don’t overdo it
You’ll want to commit fully to the home search if you and your partner decide to buy a home together, but you don’t want to exhaust yourselves either. Looking for a new home can be a tiring and stressful process, so be sure to take a break every once in a while. Go out to dinner or go for a hike together to help get your minds off the home-buying process, if only for a short time. Now that almost everything and everyone is online, you could check a couple of real estate agent with houses online before visiting them physically to know if they are as good as they appear online.

Get your finances sorted out
Both of your credit scores and histories are going to affect your ability to get a loan. To avoid any surprises, you should both obtain a free credit report to see what state your credit is in. This will give you a chance to look for any errors in the reports. One thing you’ll need to keep in mind is that many financial institutions will focus on the person whose credit is lower; so if one of you has a low credit rating, you may want to think about working together to improve it before you apply for a loan. In addition to getting your credit sorted out, you’ll need to compare your income and debt in order to establish a budget. You will have to determine how much you can afford to pay in terms of the down payment, monthly loan payments and all the additional costs associated with homeownership.

Get a pre-approved Loan
Nothing will be as frustrating as having a loan application turned down right after you’ve found the perfect home for both you and your partner. Having spent all that time together looking for a house, only to learn that you can’t afford it is incredibly discouraging and will most certainly give rise to a heated argument or two. This is why you should get a pre-approved loan before you begin looking at homes.

If you are looking to buy a new home with your significant other, you should click here, let’s see how we can help you buy your new home with ease.

We all spend daily to survive and to live the type of life we desire. Whether it’s spending on groceries, laundry service, a new footwear, the latest studded designer wrist watch, a vacation trip with the family or you just want to pay school fees, whatever it is we cannot totally avoid spending on one thing at a physical store or online. But sometimes we could go overboard with the spending habits that we begin to accumulate and abandon a lot of items we never use or just use once or twice before the next trend sets it.
In order to control your spending impulse and spend on just the things you need and less of what you want, below are tips on how to practice the 30 days spending rule effectively.

The idea is to be able to properly evaluate what you want to buy before buying it, the 30-day rule would give you time to consider if the product or service you are about to pay for is worth the price, and the effects of spending such amount on the products or services.
Here’s how it works:

Leave It
Whenever you feel the urge to splurge for new shoes, a new video-game, a new swiss wrist watch or a new Apple gadget, force yourself to stop. If you’re already holding the item, put it back. Leave the store. If it’s online, leave the site and get busy with other things.

Make it obvious
When you get home or get offline, take a piece of paper and write down the name of the item, the store where you found it the current price and date. Now post this note someplace obvious: a calendar, the fridge, your computer, or your glassware cupboard.

The next 30 days
For the next thirty days, think about why you really want to buy the item, but do not buy it. Make a list of the things you would have done better if you have the item. For instance, if it’s a kitchen accessory, would it make cooking better, if it’s a gadget would it make you more effective at work or more productive, or would it make you simply cool. At this point, you would be sure you want to buy it or not.

Who and what are your influencers
Before you finally decide on whether you would buy it or not, find out who and what your influencers are. To make that easy pick any of the sentences that best suits why you are buying it

• A celebrity was using the item and it looked cool and I want to look cool too.
• The item is an improved version of an existing one and would be of great benefit to me.
• It is what is trending and I don’t want to miss out on the trend.

If your objective answer is point two, you can go ahead and buy it, but if its point one or two, you should think about it again, so you don’t buy it today and realize there is a new trend 24 hours later.
That’s all there is to it. But it’s surprisingly effective. The 30-day rule works especially well because you aren’t actually denying yourself you’re simply delaying gratification. This rule has another advantage: it gives you a chance to research the item you want to purchase. This can save you from being cheated.

Sometimes the urge to spend is gone by the time you get home. Sometimes the urge grows stronger for a week or two but then subsides completely. It’s rare that you decide to buy something after 30 days of waiting, except it is very important that you even have to get more money to buy it.
However, if you desperately need to buy an item or pay for a service and you have less cash, you could click here to get a quick cash loan of up to N5,000,000 in less than 3 hours!

No matter your age, you are not too young or too old to start taking the right steps to your financial freedom. It is not too early or too late to start focusing on your finances and improving your financial health.
Different age groups would adopt different financial patterns in terms of spending, savings, investing and budgeting. For instance, a young unmarried adult would have a different financial plan compared to a married adult with kids. The former would have less important obligations to be met compared to the later who has more important needs and obligations to be met.
The helpful tips below would help you view your finances at whatever age group you fall into and help you increase your net worth.

In Your 20s
Curb student Splurge: If you are still a student, this means the temptations to buy the things you do not need and the need to splurge once in a while would be very high. As a student, right next to your school's necessities is a list of things you want to buy that you do not really need, but want to have so you don’t miss out on the trend. Following the trend is ok but try not to go overboard with it. If it would make you spend all your money or make you borrow from a friend then you should let it go. A trend that does not add any value to your academic career does not really worth it. You can stick to other trends that are at no cost.

Set your retirement savings on autopilot: When you land your first job, sign up for any retirement plan your employer offers. If you work with organizations that have no retirement or pension plan, consider a target savings plan and start saving. Putting some money away when you're in your 20s gives it many decades to grow before you need it for retirement. "When you are in your 20s, you think you are invincible and will live forever, but that mindset can hurt you financially," says Steve Repak, a Certified Financial Planner.

In Your 30s and 40s
Make your home profitable: If you do not own a home yet but would like to own one soon, this is the time to start looking out for your ideal home. When you find the one you like and how much it would cost, start a down payment plan with the agent if one is available. If that option is not available, start an investment plan with a reputable financial institution and invest towards the goal of getting your ideal home soon. If you do not have a huge sum of money to invest, you could start a strict savings plan that allows you earn up to 10% of your savings after the savings tenor. This might take a while, but if you can achieve this goal in your 30s you automatically have less to worry about.
Start and review your insurance needs: If you have children, houses, and other assets, it is time to consider signing up for the insurance needed for the various assets you have, including life assurance.

Review your savings strategy: If you're trying to save for short-term or long-term needs such as high school and college educations for your kids, family vacation or retirement, use simple financials plans such as an automatic debit (standing order) from your salary account to a savings account. This would keep you focused on your goals and help you meet your goals in no time.

In Your 50s
Put your retirement savings into overdrive: While it's often best to start saving for retirement from the day you start your first job, many people can't put away as much as they would like to because of other important family needs. When you are in your 50s this is the best time to review your retirement savings plans. This is the time to buckle up on the savings plan and put every extra cash away for retirement. This is the time to slow down on extra spending and costs that you do not need.

Your health is your wealth: Take up a hobby that encourages you to stay active, whether it is golf, walking, swimming or other exercise classes and activities. This is the time to take good care of your health, not only because you'll feel better, but because you may end up spending less of your savings on medical expenses.

In Your 60s and 70s
Travel on a budget: If you're retired and no longer have to worry about school fees, consider traveling in the off-season to save on airfare and lodging expenses.

Consider right-sizing or downsizing: In your 70s the house would begin to feel empty when it’s just you and your significant other, especially when it’s a big house that can contain about 6 to 8 people and more. If your current home is too large for your needs, think about selling and moving into a smaller property. Doing so may decrease maintenance and utility costs.
At any age, manage your finances smartly and the good part is that you can manage your finances and earn more with Page Financials. Click here to get started.

More than 90% of the things we do daily involves spending money. We spend money to eat, travel, to get an education, to have fun. Therefore the money talk cannot be underemphasized or avoided. It is also a fact that important life decisions involve money and it could impact how we manage how lives. This is why it is important to talk with teenagers about money. Teaching them how to manage money at a younger age would help them put a lot of things into perspective when making money decisions as they grow. They are able to understand and differentiate their needs from their wants as well as make smart spending decisions.
If you have a teenager and you are not sure on how to have the money talk with them, this post is for you. And if you are an adult and you still find it a bit difficult to understand your finances, you should read this post and learn one of two things that would help you.

When having the money talk with your teens, you should talk about the following at the very least;
How to budget money;
How to save money;
The values of spending and earn money.

How to Budget Money
Budgeting is basically how you allocate a particular sum of money to needs and wants to be met. Budgeting is what you do when you write down a list of things you want to buy with the cost of buying it. It also involves the money you set aside to save for emergency purpose or future plans.
When teaching teenagers how to budget, make use of real-life scenarios, you could use the monthly budget for groceries. Show them the list of things you want to buy, why some other things are not on the list and why some needs come before the other. You could go ahead and allow them to draw up the budget for the next month. Help them know that when budgeting for anything, the needs should always come first when the needs are met the wants can come after. In order words, they should not put ‘a new sneakers’ above ‘a new textbook’ that is more relevant at that time.

How to save money
There is an aspect of budgeting that involves saving. When allocating the money that goes to a particular need and want, savings is not excluded. In order to help them get it right from the start, set up a process for saving money in a piggy bank and regularly monitor how much has been saved, and talk to your teens about setting money goals on how they will use their money after they have been able to save it over a period of time. You could remind them that their trip to Disney land last summer would not be possible if you did not save for it. Teach them the rule of saving first before spending the rest on needs first and then wants.

The Value of earning and spending
This is one of the most important part of the money talk as it brings every other thing under into perspective. Teach them that money can only be spent if they are earned and how they earn it would help them make wise spending decisions.
The best approach to teaching them how to value earning is by helping them to earn. Give them a task to carry out around the house and pay them for it when completed to the letter. This way they understand that talent, skills, or time is usually given in exchange for money and hence help them value what they have earned. Helping them earn money would also help them make wise spending decisions as they would tend to spend the money earned on something of more importance than on a mere toy or piece of clothing.

When they understand the value of earning, they are able to manage the resource you provide to them.

Most importantly, give them some credit if they are able to stick to their saving goals to motivate them to do better.

However, if you need to help them understand money in terms of savings in a more realistic way, you could open a target savings account for them and at the end of the set tenure, they view the increase hence are motivated.

Like any other relationships, saying goodbye is very hard and sometimes painful especially when it’s with a car we have grown so used to. And like any other relationship getting to know a new person is usually interesting as you would be very careful not to ruin the friendship before it blossoms so are we with a new car
It can be tempting to hold onto an old car long past its prime. Maybe because the car was your first car as a young adult, or it was a gift from someone you love. Whatever your thoughts are, the time for a new car is different for everyone and in most cases it is inevitable.
No matter how attached you are to your car, you will need to break up with it due to one of the following reasons.

It is time for a new car
You've been a one-car person for years, but you're starting to realize there are plenty fishes in the automotive sea, especially when a shiny, brand-new car pulls up next to you in traffic. At that point, your car would seem boring and too old for you. And you would begin to tell yourself, ‘I need a new car’
You may be able to resist temptation at first, but your wandering eye will only get stronger, as that would be the time you begin to notice new and better cars. If you can't stop thinking about that shiny car, it might be time to start shopping around for a new car.

Breakdowns and Repairs are mounting
One of the easiest ways to tell that it may be time to get a new car is if you’re constantly needing repairs. All cars need maintenance, but if you’re in and out of the mechanics’ shop on a regular basis it may be time to start window shopping for a new car.
Keep track of all the money you spend on car repairs. Also factor in the time you lose when waiting for your car to be repaired. If you are losing time and money month after month, perhaps it’s time to buy a new car.

Your Car Isn’t Safe Anymore
Another clear sign that it’s time to look for a new car is if your old car isn’t as safe as it should be. Perhaps the constant repairs are too expensive, and things are starting to slip through the cracks. Ignoring maintenance can lead to dangerous problems like faulty brakes. Even if you keep up with your car’s needs, safety can still become an issue with older cars. Newer vehicles have all sorts of safety features that older models don’t have. This means that the older your car is, the more out of touch it is with today’s safety standards.

Your Lifestyle Has Changed
Things change. As life progresses, you and your car may grow apart. Sometimes you may need a new car even if your old car is in great shape. As your life changes over time, the needs of your vehicle may change, too. For example, if you’re driving a small car when you’re single, you might need to upgrade to something bigger when you want to start a family. Or if you start a business that involves moving heavy items, you may need a truck to help with your new career.
The most important thing is that your car works for your current needs. It will make things a lot easier.

Things Fall apart
As your car gets older, the everyday wear and tear may start to show. But eventually, the small damages can lead to big problems. It is different when your car has a fault that can be fixed just by changing or replacing something. But when the body of the car begins to have a small rust that cannot be patched or replaced or when the interior of the car begins to fall apart, it is definitely time to get a new car as repairing it would be very expensive.
Whatever reasons you have to change your car, the price should not be a problem, as that can be sorted with a quick cash loan of up to N5million from Page Financials in less than 3 hours.
All you need to do is to research the car that suits your need and go for it!