A lot of people complain endlessly about their low income or the salary they are paid that is insufficient, and that is why they pass through a lot of financial problems.One thing we fell to understand is that your salary will never be enough to satisfy all your needs.

These are steps/ways to solving the problem of insufficient income or salary that you should follow:

1. Cut down on your expenses: List out your recurrent expenditure and check the ones you could cut down on. Some people are paid N15, 000 salaries, while they buy recharge card of N5, 000 every month, and spend N6, 000 on transportation. You only have one source of income, so why spend it all through many means?

2. Stop making unnecessary calls, especially when you'll soon be seeing the person or the matter you want to discuss can wait till you see the person.

3. Never leave any amount above N200, 000 in a current or saving account for more that a month, when you can enjoy a good interest rate on the money if kept in a fixed account.

4. Buying what you don't need contributes to your financial problems. Why buy a N30, 000 phone when all you need is a phone of N15, 000. Before buying electronics, find out what you actually need for.

5. Buy more of brand new products than fairly used or tokumbo. Most people think it's the other way round. Buying fairly used or tokumbo products will make you spend more money to repair and service them over and over again.

WAYS OD MAKING EXTRA INCOME

* Bulk SMS
* Football viewing centre
* Ice block selling
* Laptop repair
* Graphic design
* Catering services
* Dry cleaning
* GSM Engineering
* Barbing
* recharge card biz
*Computer services
* Suya Joint