₦airaland Forum

duullie88:
Bros too much words... will u provide help if u won't get a return? Simple.

I believe it's more like being a member of a cooperative. u provide help n expect to b given help when u need. just that u dnt pay interest as is obtainable in cooperative

I love this Prof Oloyede. he likes giving himself time. remember wat he did in UNILORIN

virus05:
see this 1. when mmm scam you no cry.. i have been scammed.work for your cash like me(fiverr) no dey dere dey expect free money

Bros, if u no do MMM just leave am. as for scamming, e better make them scam us.

just read this on TRIBUNE and felt its good to share

September 04, 2016 / : Sulaimon Olanrewaju

A time of economic recession is often tough time because of paucity of funds. Recession is characterised by low economic activities which results in slow circulation of money. Therefore, one of the best ways to survive a recession is being mindful of how the little money available is spent with a view to stretching it for as long as possible. Here are six ways by which your naira can be made to last longer.



Plan your spending

As a high school student with limited resources, I devised a strategy to ensure that I was not stuck at any point during the month despite the littleness of my allowance. What I did was to divide whatever allowance I had into four and spent a quarter per week. If I exhausted the portion for a week before the week ran out, I would not touch the portion for another week; I would have to endure till the following week. By deploying this strategy, I was able to stretch my allowance.

I have found out that this strategy works for anyone who will adopt it and is even more applicable in a recession. So, to stretch your naira, plan your spending and refrain from exceeding the allotment for a week to guard against being stranded at any point.

Added to this is the need to have a budget. Although many Nigerians are averse to budgeting probably because of the not so good example we get from our country, it is still a very important tool for staying solvent. Once the income is known, the expenditure should be charted with every kobo accounted for. Doing this will prevent putting money in unnecessary and unplanned activities.



Track your spending

Louis V. Gerstner, former IBM chairman, counsels that one should not expect what one is unwilling to inspect. Although this advice is primarily meant for company executives and other leaders, it also comes handy in money management. It is good to plan one’s finances. But planning without tracking will not deliver the expected outcome. Going back constantly to the budget to find out the level of compliance is very important. The rich remain rich because they never stop tracking their money; they want to know where their resources are going with the attendant benefits. It is a strategy that could be deployed to one’s benefit. Tracking expenditure will save one from embarking on impulsive purchases that can leave one high and dry.



Buy in bulk

For as much as it is possible, it pays to buy in bulk because doing so confers some advantages on the buyer. What to do is to source for shops that give discounts for bulk purchase as well as those that are doing clearance sales or promos and buy from them. The money saved from this could be put to other uses.

Buying in bulk also guarantees that the materials bought in bulk would be available for a length of time. It could be unsettling to find out that certain items needed have been exhausted when finances have run low. Bulk purchase is a way out of that situation.



Go about with less cash and no card

The undoing of many of us is impulse buying. We buy things we don’t need sometimes because of the momentary appeal they hold for us. But doing that puts us in trouble later. We also travel the route of buying what we don’t need because we don’t want to offend the vendors. But since one cannot give what one does not have, going about with just the needed cash and keeping the debit card safely at home will keep one from financial harm’s way.



Do less of cash transfer

As convenient as cash transfer is, it comes at a cost. While this may not always be possible, for as much as it is possible make cash payment or issue cheques and save yourself from the commission you have to pay for electronic cash transfer. Although the money paid is sometimes negligible, the word of Richard Whatley, former Archbishop of Dublin that “If you lose an hour in the morning, you will spend all day looking for it” could be applied to money management. If you lose a couple of N165 to electronic money transfer, you will spend the rest of the month looking for it.



Save loose change

It is customary of many of us to leave our loose change with the shop or fuel attendant. Generosity is a virtue, no doubt but if the loose change that is left uncollected is tracked, it could amount to a sizeable amount overtime. So, collect your loose change and keep, you never know when you are going to need it.

DMeanMan:
I'll advice you add a million to the 2, buy a nice ride, do a comprehensive insurance, recruit a driver, enrol the car on Uber and get returns "every week"

I know someone that earns 50k after all expenses "per week".

this idea sounds nice. do u know more abt this UBER stuff? how does it work?

Pangea:
Occupy Nigeria Now! Don't wait until everyone commits suicide. Occupy I say occupy!

the same occupy? they are now in power

Rehabilitation:
Full blooded Igbo indeed Did your own parents also taught you how to hate and be wicked? Hmmm people dey for this world oo

wen last dd u visit home? if Enugu state cld sack non-indigenes in 2001, Abia repeated same, including women from other Igbo speaking states married to Abia n Enugu men. isn't that a sign of wickedness? our elders say "ogo bu ikwu ato' meaning that an in-law is part of d family but our leadership perpetrated such wicked act n many ppl clapped for them for such callousness. Even almighty US n UK still search for and employ people from other countries but we cldnt accommodate our own. av given up on useless 419ners n thieves that lead us n fellow youths who foolishly follow n praise them. Anyway, wen u graduate from GNS/GST 101- use of English we can talk

39xtr90r:
Igbo wannabe, continue to deceive yourself thinking you can deceive sane minds with your unnecessary silly talk.

In Imo State you can find Hausa advisers in Rochas cabinet.
T.A Orji of Abia State and Sullivan of Enugu had Yorubas in their cabinets. 
In this 4th republic, Orji Uzor Kalu was the first governor to appoint a non-indigene into his cabinet. 

"...we have millions of millions of Igbos residing with us in our homes, in our towns, in our states, very peacefully, very industrious, helping our communities and our economy to grow..."
- SULTAN OF SOKOTO, Nov 23 2015

“Any state government that ignores the Igbo does so at the risk of its economy. It is in this wise that I appointed a high powered official in my government from the Igbo community to liaise between me and the community.”
- Governor Gabriel Suswam of Benue State

nwafor, anyi ahuna gi.i remember it was d same T.A. Orji that sent all non-indigene civil servants packing. am full blooded Igbo but won't hesitate to tell it to d face of every Igbo man that most parents of Igbo extraction has taught their children hate, wickedness. God av mercy

how much is d minimum amount one can invest?

able20:
But you Zombies didn't say dazuki must keep quiet then, but because your Gbajabiamila and All Apc yam eaters are now criminals you want jibrin to sharap.

lolz...wish u cld do some critical job b4 tagging me anything. for ur info, am just a neutral who believes in one strong, egalitarian, united, functional Nigeria. check all my posts since 2008 for a proof

can this guy just keep quiet? he didn't report it earlier now that he has fallen out of favour with Mr speaker his blabbing. Jibrin shld face his case wit efcc

u c dat crime has no tribe or creed. crime is crime no matter who committed it. meanwhile u are innocent until caught

alsudaes1:
Deputy Registrar I guess you meant Assistant Registrar Test Admin.
I think they were invited in June, but still subject to confirmation from those invited

lolz. thanks for d replying jare. it's easy to mix some things up

abeg, my spouse dd d test. she applied for assistant registrar, test n administration. so far, has any1 bn invited for that post?

pippimp:
I guess to him, 50 years is a long time.

lolz.

pippimp:
It has always been this bad. Since independence in fact. The only reason you notice it now is because of the drop in oil revenue. If oil proceeds were still the same, everybody would still be living an illusion. I don't think you all realise the quagmire you are in yet. In the just concluded world conference on climate change, all countries have agreed to stop using crude oil based products to power cars, machinery, etc in 50 years. You guys are phucked in another half century.

n some1 is still spending billions looking for crude in d North? dd Nigeria av delegation in d said conference?

if I were in his shoes, I will do exactly same cos I dnt trust all these IMF/WorldBank. they av a way of continually impoverishing 3rd world countries wit dere policies

are these yields monthly or annual

I started noticing something unusual this night. each time I try to download an app from play store, it tells me DOWNLOAD PENDING. somebody help me ooo

DateMynd44:
hahahaha if safarigirl or poffistand catch you eh.
Hahaha i hear say minister of education wan change Uniabuja to The PolyTechnic Abuja, gwagwalada where they now award ND and HND.
You don hear the news? I read am for vanguard newspaper.
cc ednut1

na from ya mouth I hear am

Angelo45:
Nigeria is just a joke, the federal university in the capital with loads of unaccredited courses. This is suppose to be a major university in the country na .. what nonsense

that schl shld b renamed to University of Gwagwalada or University of Gosa

chachanga:
Nassarawa Geographic Information Systems (NAGIS) office should be your first port of call so that you could first ensure if the land itself is not under present or future acquisition orders.

Having a peep at the State's Urban & Town planning Master Plan will assist you knowing if it's a place you could invest in or your papers would be later revoked.

They'll also give you the costs or direct you properly to Ministry of Lands & Housing office, for you to begin your processing there.

Cheers!

Sir, u might need to check again. I think Orozo is in AMAC FCT

geewhyxclusive:
can I av a guarantee of getting persle? I always attend but at d end no pasle.

wat's ur course? hope it's not HND cos they dnt give to HND holders..it's a rule

Khingz:
Once d cordinatn starts, dere wud b a memo requestn for chekers to apply.

any date for d coordination yet?

talk of square peg n round hole, u talk abt education where u use a trained Journalist as minister while professor of education and former vice Chancellor is his junior minister

abdulwastecx:
Up to lintel level. About 1.8m so far

more Grace bro. hope we get pictures soon

how far has this project gone and how much is spent so far?

plz, has d date for this coordination bn announced?

ststyreal:
Hello friend, I contacted a neco staff here in Delta state, she asks me my course of study and I told her but she said I have got no chance since its history and int'l studies and that it is not been offered by student again but I told her that I can handle government and she responded by saying unless I gatecrashed. What then is gate crashing and how much will a gatecrasher be paid? Will be grateful with your quick response. Thks and God bless u.

once u are not invited by the exam body, u will gate crash. hoping that some of the invited examiners will not show up n they will give u d pack