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The inflation rate in Nigeria as at May 2015 9%, this is not the highest in the history of Nigeria as we had a record high rate of 47.56% in January 1996, however it is high at 9%, this figure is published by the National Bureau of Statistics, Nigeria (http://www.nigerianstat.gov.ng/).

What is inflation? This is an economical term defined as ‘The rate at which the general level of prices for goods and services is rising, and, subsequently, purchasing power is falling.’

This is our situation in Nigeria today, prices of goods and services are continually on the increase and our purchasing power is falling.

How do we now edge without breaking our backs:

1)How to edge in inflation-Adjustment of Life style:Trying times requires life style adjustment,spend less on luxuries.

2)How to edge in inflation-Learn to say No:Say No to what you can't afford,say No to your appetite, whatever you cannot afford do not buy (example: Aso Ebi)

3)How to edge in inflation-Buy cheaper alternatives: buy good and cheap products , Big brands product are almost the same quality as other thriving brands. You can more eat at home rather than bukka/restaurant or fast food. It is cheaper, take food to work.

4)How to edge in inflation-Compare and Contrast prices:Make pricing things a principle you live with.If you shop online the next available shop is a click away, and if you are in the market the next seller is just beside you and you need to learn the skills of bargaining and negotiations.

5)How to edge in inflation-Make bulk purchases:making bulk purchase from wholesalers is key.For the things you need time and time again, making bulk purchase from wholesalers is key. Example, for your kids buy their biscuits, drinks, milk in carton, by this you have saved a lot if compared with buying in pieces.

Visit for more down to earth Nigeria contest Personal finance.
http://personalfinancewithbabat..com/2015/07/living-in-this-trying-times.html

Over the past few weeks I have had to advice and counsel a number people on personal finance issues relative to the financial turbulence within the Nigerian environment. I had to explain that it is not just a Nigerian thing, but worldwide as a result of Inflation rate been is on the high side and Cost of living which is also on the increase.
Let me refresh our memory: What is Inflation? This is an economical term defined as ‘The rate at which the general level of prices for goods and services is rising, and, subsequently, purchasing power is falling.’ It is obvious that the inflation rate in Nigeria is in the state of comatose.
Let us quickly define the other concept: What is cost of Living? ‘Price of goods and services required for sustaining or maintain an average level of standard of living. This cost varies from place to place and from time to time.’
But I will relate more to the Nigeria environment. The inflation rate in Nigeria as at May 2015 9%, this is not the highest in the history of Nigeria as we had a record high rate of 47.56% in January 1996, however it is high at 9%, this figure is published by the National Bureau of Statistics, Nigeria (http://www.nigerianstat.gov.ng/).
Now let us bring it home in plain language. Here in Nigeria we have States owing salaries, lingering high price of petroleum products and subsequent hick in price of commodities. And also not forgetting that the Naira had being devalued twice and with the possibility of further devaluation. The rate of loans have also increased in recent times for both business and personal loans, the end result of this situation is the transference of the cost to final consumers, and the beauty of it is nobody is left out. The man who sold petrol at a high price will buy tomatoes at a high price and the woman who sold tomatoes at a high price will pay high school fee and the chain goes on and on.
These situations make disposable income lower and we are left with lower purchasing power. How do I mean; you can confirm from women that buys from the market, the prices and quantity of condiments like pepper, tomatoes etc. had gone up, transport fares is on the increase or fluctuating in relation to the availability of petroleum products like Petrol and Diesel. In recent times we bought fuel as high as 300 Naira per liter on the average and were happy to get it, forgetting the fact that the excess of 87 Naira (213 Naira per liter) would have met other financial needs.

Let us look at possible and interim solutions to the situation so as to have an edge and not plunge into indebtedness as this is always the situation in times like this.

Adjustment of Life style: There’s a need to adjust one’s life style in order to be able to cope with the financial times we are in. You either reduce your expense or reduce your savings, but as a Personal finance coach, I will advise you reduce your expenses. Cut down on the luxuries, focus more on the basic needs, which are food, shelter and clothing. Reduce your cable TV subscription, reduce the mobile phone recharge, and data usage. Many more things can be cut down on, just look within you and make the needed adjustment.
Learn to say No: Some of us have found ourselves in financial trouble because we cannot say NO, saying NO will not kill you, I want to say this is time to say NO to some irrelevant purchase and impromptu buying, before you make that next purchase justify it well, reduce your purchase of Aso- ebi and the likes. Think before you buy things.
Buy cheaper alternatives: Understand this is a passing phase and it is going to be over soon, so buy quality cheaper alternatives, except the product does not have alternative, compare and contrast before you purchase, most times, Big brands product are almost the same quality as other thriving brands. You can more at home rather than bukka. It is cheaper, take food to work. Remember it is all about your finances and not show man-ship.
Compare and Contrast prices: If you shop online the next available shop is a click away, and if you are in the market the next seller is just beside you and you need to learn the skills of bargaining and negotiations. Make it a principle do not buy anything until you have priced it well in several places.
Make bulk purchases: For the things you need time and time again, making bulk purchase from wholesalers is key. Example, for your kids buy their biscuits, drinks, milk in carton, by this you have saved a lot if compared with buying in pieces.

For more on personal finance visit: http://personalfinancewithbabat..com/

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As individual, family or corporate organization, we have had to do a form of budgeting either once or twice.
What then is the term BUDGETING? Budgeting is an estimate of income and expenditures for a period of time. Budget is futuristic; it is a workable plan of all income and expenditure for a specified future period. To have a good understanding of wealth and equally be wealthy, budgeting plays a crucial role. The formula for Wealth is:
Wealth= Time + Money.
We must understand that to be financially independent our passive income must be greater than our expenses.

Reasons why you need a personal Budget:
1) It is easier to become wealthy and be financially free with a personal budget: Personal Budget will open your consciousness to where your money go every month, the truth is most of us know we spend money but do not have a grip on what and what we spend on and before we know it we are broke and indebted in the process, eagerly waiting for the next pay cheque/salary as the case may be.

2) It is easier to stay out of debt: With the aid of a Personal Budget you will avoid the regular pit fall of recurring debt traps.


3) It is easier to get out of debt faster: Personal Budget brings your debt to your face and makes them a priority to be cleared, unlike when you do not have them written down. Sometimes we genuinely forget we owe some money, other times we pretend to forget *wink*


4) It helps us save, especially targeted savings: Personal Budget will help you develop a saving culture especially targeted savings like buying or building a house, buying a car, getting a degree or any other capital projects.
5) It helps with overcoming bad spending habits: Personal Budgeting will save you from bad spending habits, as it will starve the cravings with little or no allocation of funds to nourish such

6) It helps you understand your ‘Financial self’ better: With Personal Budget you will know your true Financial Self in terms of your position or standings financially.

7) It helps you achieve your personal financial goals: Financial goals are key drivers of Personal Budget, hence with a functional budget in place, achieving your financial goal is on track.


Basic Tips for Personal Finance Budget
• You must decide to create a personal Budget and be ready to work with it. I must stress that creating a budget is simple compared to living with a budget. It takes discipline and consistency.

• Another key thing in creating a budget is identifying what your financial goals are. Ask yourself basic questions and be true to yourself in giving the answers. Questions not limited to:
1) Do I like my present financial conditions?
2) What kind of financial future do I desire?
3) With the way I am handling my finances can I achieve financial freedom?
4) Do I really need to borrow, with my level of income?
5) Am I living above my income and means?
6) What kind of life/school do I want my children to go to?

• It is important to do your budget in the same frequency as you are paid, if you get your salary on a monthly basis, make a monthly budget. And if you get it on a weekly or Bi-weekly basis do it as your pay comes in, and for my entrepreneurs, do it on a weekly basis or on the way you pay yourself.

• Get your expenses penciled down, all your expenses’ (Fixed expense, Variable expenses and wants.) Be true to write everything down.

• Know all sources of your income. (for Salary earners it is simple, also add all other sources)

• Know how much you owe, take time out to look at your short term middle term and long term loans.

• Be ready to make adjustment along the way, and do not over burden yourself as this will make the budget/budgeting an unbearable task for you. When budgets are built to tight, it becomes unrealistic and in the long run, following true becomes difficult.

for more topics on personal finance visit: http://personalfinancewithbabat..com/

Hello this is a personal finance blog that relates with you. http://personalfinancewithbabat..com/