hmmm

Avoid Imo babes!!

Ya...that data plan stuff is true....that's why blackberry better in terms of data

you forget to include betting ,stop playing 1960bet, bet9ja etc and serve money.

Rapmoney:
Mods, frong page please. This thread could be of help to people struggling to get out of that financial burden

my thought

klem93:
taken note oofff Admission Now Open To Osmania University India If your are interested you can contact me on preachie_me@yahoo.com, preachtimmy@gmail.com or fb Aribisala Timmy Skype: Preachie_me1 or whatsapp+918143856768

You want rape news headlines again abi? There is god

[quote author=Rapmoney post=30937303]We all love it when we get an alert from the bank, or a client pays us. It’s a good feeling, right? But then it all starts flying out of your hands. Where does the money go? We all have necessary expenses. There are things we can’t quite get away from paying for. These include school fees and healthcare. However, there are some expenses that we have control over.

1) Motor Insurance

Third party car insurance is required in Nigeria. Yes, Nigerians, we’re looking at you. Complete motor insurance isn’t a requirement, although this can be a good idea. What’s the difference? Third party insurance will only cover damage to the other person’s car or property in the event of an accident. Complete motor insurance will cover your own car too. To save money on rates for either type of insurance, it is good to shop around. Be sure to get quotes from several different insurance companies. To compare apples to apples, be sure to give the same information to all the insurers.

2) Gas Costs

There is not much you can do about the cost of gas in Nigeria. The difference in price between gas stations is not always significant. Between regulation by the government, fuel scarcity and price fixing, it’s a hard life out there for car owners. It is also rare for a Nigerian company to permit work from home, although it can’t hurt to ask (if it makes sense for your role). Some people have reported saving money by combining errands. This requires planning, especially in a business setting. Others choose to share a ride with colleagues to save money.

3) Mobile Phones and Data Plans

Check out your phone costs for the last three months. The majority of mobile phone users in Nigeria are on prepaid phone plans. Can you estimate what you spent on airtime and data?

•     Are you paying too much or too little for your data plan? For most telecommunications operators, you get cheaper data if you pay a higher amount. Looking at Etisalat, you can get 50 MB of data for N500 (N10/MB). Alternatively, you can get 500 MB for N2,000 (N4/MB). If you can afford to pay more at the start, your data costs will be cheaper per megabyte. If you run a business, be sure to compare providers to check out the best price for internet services for the company.

•     Text messages have become cheaper in recent years (N4 instead of N10 or N15). However, if you already have a data plan, messaging apps like BBM, 2go and Whatsapp can be used to send messages for no extra cost. Free is better than N4 any day!

4) Grocery and Food Bills

Eating out every day can get expensive. Look for decent food that is affordable and within your budget. Save the fancy hotels and eateries for an important business lunch or a special occasion (and not for every day lunch).

Some people are able to bring lunch to work or school. This is definitely more cost effective than eating out every day (We realize that this is not feasible for everyone, especially if your lunch consists of perishable food and there is nowhere to store it.)

Take advantage of specials and discounts for lunch and groceries when available

For groceries that you know you use a lot, buy in bulk where available.

5) Save Money on Purchases

There are many purchases that are unavoidable. However, do what you can to ensure that you are getting the best price on the item. You have to do some comparison shopping to see what that price is. Caveat – comparison shopping works best when comparing identical or similar items. Where can you compare prices in Nigeria?

General ecommerce retailers such as Konga and Jumia

Niche ecommerce retailers such as Gloo (for groceries)

Price comparison websites in Nigeria such as PriceCheck and NgPriceHunter

Physical stores in your area

Your network of friends and family

http://iserve.com.ng/blog/2015/01/5-ways-to-save-money-in-nigeria

Nice one op

Trekking to office. Save transport

In addition,
1. Make sure you have a dedicated account for savings, separate from your normal saving account (s);
2. Make sure you don't have quick access to the account, quick access like ATM, Internet banking etc.
3. If your bank forces the ATM card on you, collect it, and destroy it, or visit third mainland bridge and dump it into the lagoon






Come back and thank me later....

You could also save money by regulating the quantity of fuel and diesels you buy for your electricity by buying inverte.

Very practical advice and suited to our environment. Thank you OP

EddyNumerouno:
Just avoid alcohol and girls

Alcohol and Oloshos top my list after church givings and internet sub.

Cli

Some people are penny wise but pound foolish. They wil save and gather all d money and spend ontop woman.

I don't womanise and I have feelings for my kidneys. I can't even recollect the last time I changed my wardrobes. But one thing I can't avoid is my WIFI internet subscription. I don't mind starving for that.

/
I have heard stories of people being owed salaries in arrears (upwards of 6 months) especially civil servants.

How will this fit into the picture?
\

Rapmoney:
my guy, you better do. A stitch in time saves nine.

a stitch in time prevent further tear tear

klem93:
taken note oofff Admission Now Open To Osmania University India If your are interested you can contact me on preachie_me@yahoo.com, preachtimmy@gmail.com or fb Aribisala Timmy Skype: Preachie_me1 or whatsapp+918143856768

Avoid this kind of people too. They can sink your life earnings and disappear like a song in the night.

Rapmoney:
We all love it when we get an alert from the bank, or a client pays us. It’s a good feeling, right? But then it all starts flying out of your hands. Where does the money go? We all have necessary expenses. There are things we can’t quite get away from paying for. These include school fees and healthcare. However, there are some expenses that we have control over.

1) Motor Insurance

Third party car insurance is required in Nigeria. Yes, Nigerians, we’re looking at you. Complete motor insurance isn’t a requirement, although this can be a good idea. What’s the difference? Third party insurance will only cover damage to the other person’s car or property in the event of an accident. Complete motor insurance will cover your own car too. To save money on rates for either type of insurance, it is good to shop around. Be sure to get quotes from several different insurance companies. To compare apples to apples, be sure to give the same information to all the insurers.

2) Gas Costs

There is not much you can do about the cost of gas in Nigeria. The difference in price between gas stations is not always significant. Between regulation by the government, fuel scarcity and price fixing, it’s a hard life out there for car owners. It is also rare for a Nigerian company to permit work from home, although it can’t hurt to ask (if it makes sense for your role). Some people have reported saving money by combining errands. This requires planning, especially in a business setting. Others choose to share a ride with colleagues to save money.

3) Mobile Phones and Data Plans

Check out your phone costs for the last three months. The majority of mobile phone users in Nigeria are on prepaid phone plans. Can you estimate what you spent on airtime and data?

•     Are you paying too much or too little for your data plan? For most telecommunications operators, you get cheaper data if you pay a higher amount. Looking at Etisalat, you can get 50 MB of data for N500 (N10/MB). Alternatively, you can get 500 MB for N2,000 (N4/MB). If you can afford to pay more at the start, your data costs will be cheaper per megabyte. If you run a business, be sure to compare providers to check out the best price for internet services for the company.

•     Text messages have become cheaper in recent years (N4 instead of N10 or N15). However, if you already have a data plan, messaging apps like BBM, 2go and Whatsapp can be used to send messages for no extra cost. Free is better than N4 any day!

4) Grocery and Food Bills

Eating out every day can get expensive. Look for decent food that is affordable and within your budget. Save the fancy hotels and eateries for an important business lunch or a special occasion (and not for every day lunch).

Some people are able to bring lunch to work or school. This is definitely more cost effective than eating out every day (We realize that this is not feasible for everyone, especially if your lunch consists of perishable food and there is nowhere to store it.)

Take advantage of specials and discounts for lunch and groceries when available

For groceries that you know you use a lot, buy in bulk where available.

5) Save Money on Purchases

There are many purchases that are unavoidable. However, do what you can to ensure that you are getting the best price on the item. You have to do some comparison shopping to see what that price is. Caveat – comparison shopping works best when comparing identical or similar items. Where can you compare prices in Nigeria?

General ecommerce retailers such as Konga and Jumia

Niche ecommerce retailers such as Gloo (for groceries)

Price comparison websites in Nigeria such as PriceCheck and NgPriceHunter

Physical stores in your area

Your network of friends and family

http://iserve.com.ng/blog/2015/01/5-ways-to-save-money-in-nigeria



Comments are welcomed...
Happy weekend everyone!

1. I don't own a car yet.
2. Still haven't got a car
3. 2k for 500MB? Damn it, I get 4.5gig for 2.5k mtn,2gig for. 1.5k airtel.
4. I ddnt read that one.
5. Who does grocery shopping down here? Aboki shop still. dey nah.

Bottom line? I don't get d point bro,is dis for low income earners or high income earners?

Understand the difference between assets and liability! !
Spend less on liabilities and more on assets. It's that simple!
God help us all....

Vock:
I'm a student, those stuffs don't relate with me except the data ish and that's simply solved by Imei tweaking

OH. You mean like this for 6hrs

U forgot this - Stop womanizing

only God will deliver d poor in a country as ours where d gap between d rich n d poor is on d parallel via a parallel government (algorithmic)

The beat way is to buy bend-down-select clothes,drink garry in the morning and night den fast in th aftanoon,make sure girl_friend visit d saloon to barb african queen by tuface style at least she will claim that tubaba is her role model to avoid shame,brush with salt and 100# tooht brush or you can use your hair brush and by the end of the year you are already a rich dude (if you survive it)terms and conditions apply

50mb for N500, when I can get multiples of 30mb free by just loading N200, better way to cut cost. Than putting your into non withdrawable account called insurance why not put it in a savings account. #myopinion

ibnquasale:
In addition,
1. Make sure you have a dedicated account for savings, separate from your normal saving account (s);
2. Make sure you don't have quick access to the account, quick access like ATM, Internet banking etc.
3. If your bank forces the ATM card on you, collect it, and destroy it, or visit third mainland bridge and dump it into the lagoon






Come back and thank me later....

my guy no be lie, d day I hate atm was d day i breeze in a boutique to window shopping but I don't no how it happened that in d end I saw myself spend 27k via pos. I was so furious when I realized myself.

how can you save money,when you dont have money the first place...

6. Don't have a girlfriend

mentorandfriend:
Avoid this kind of people too. They can sink your life earnings and disappear like a song in the night.

am sorry bros, but why did you speak with much anger like this I should have reacted like a fool like you but am more wiser than you... atleast I no force you... Nigeria guys like you with dumb skull. Why dont you allow people that love a better future to pursue it.... eeyah sorry. No hope for you anymore shey? don't think in that manner, your hope is close only if you work towards it and stop quoting me... check my profile and check my facebook if you need more clarity.... #joblessfool

EddyNumerouno:
Just avoid alcohol and girls

And wht will d girls do?

Another way is to make use of ngfeeds.com and save your mb, instead of visiting those sites one by one.