Do not even think you are the only one that sit up at night
wondering how you would manage to survive the next few weeks in the month before
your next pay, I have been there too and with my years of experience I have
drawn up the perfect formula that will help you survive this economic hardship
in the country no matter what you earn, just read and watch me show you the way
like I have always done. some of you
have made target to save so so and so amount before the end of the year, for
some it is to buy a brand new TV or Mattress, well the year is almost gone but
some of you can still achieve your Goals but if you don't then don't blame
yourself it was a very hard Year.
Step 1. Accept and praise Baba God for your condition.
Whatever you think is too little there is someone out there with less or
nothing, whatever you think is too small for you, there are people out there wishing
for half of it. so be contented because that is the first step to self
sufficiency.
Step 2. Start making serious changes and adjustments to your
Spending habits. The next time the thought of buying something you don’t really
need cross your mind try to first of all calculate the better things that you
can use that money for, e.g. food, transport and other things that you know you
can't do without. You can do without eating fresh banana on your way back from
work, or other snacks that normally takes your small changes that you could
have used for transport to the office the next day or to buy tomatoes and pepper
to cook a proper stew that would last you for between 2-3 Days. So don’t spend
money on what you want, spend it on what you need that is the secret to
surviving this recession.
Step 3. Have a spending plan (Budget). Draft out a list of
things that you need and you know you can't do without. It should look like this:
Food,
Accommodation,
Transportation,
Medications,
Hygiene products
(soaps, creams e.t.c) add other basic necessities that
applies to your own situation as everybody's life is unique and different, but
try to make the list as short as possible remove anything you know you can do
without. Then try to calculate the amount of money that these things would cost
you in a month, after calculating it you will realize that there is little
money remaining to do any other thing, yes.
That is because these
are the main things that should be taking your money and there is even hardly
enough money for them so if you now take the money you should be using for
these things to buy recharge card to be calling that girl you met in a bus
while coming from work or to be discussing about yesterday's football match on
the phone with your friend, then expect to go broke(run out of money) before
the month ends and that would end up with you asking your Boss for an advance
on your salary before the end of the month. ask yourself you couldn’t even
finish one month with full salary what would happen to next month if you take
an advance on your salary and spend half of it this month? So focus on spending
on the things in your budget if there is extra money after spending on the
important things on your budget then you can use them for other things.
Step 4. Hate and avoid wreck less spending. I decided to add
hate to it because that is the best way to avoid it. When you hate something
you won't want to do it. After I started hating wreck less spending, I was in a
bus one day when a young university guy was paying bus fair for some pretty
girls in the bus and I wasn’t impressed I just hated seeing a young man waste
the money that his parents are sweating for, I told myself that I was sure his
father and mother that gave him the money won't pay the bus fair of strangers
just because they want to look cool. Humility is the key. You are going to a
dinner and you know it would cost you more to take a Date (partner) then try to
go alone (that is if you must go) take a bus to the venue don’t take cabs there
is nobody to impress this days even the rich are suffering from the recession,
so just take a bus and save your money. Don’t try to impress people with your
hard earned money because it is impossible to impress people, if you buy a 24
inch TV they will tell you that their friend has a 32 inch TV get a 32 inch TV
if you want to keep buying to keep up with their mouth, very soon they will
tell you their friend owns a cinema house, funny thing is that the people that
behave like that hardly ever have their own it is always somebody's own that
they are boasting about, so forget them and just live your life.
 |
| Don't spend your necessary cash on useless things otherwise, things like this will happen. |
That’s it oh my
people, you live your life like this and at the end of the month people earning
better than you will be asking you for money.
