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Nairaland Forum / Nairaland / General / Family / My Monthly Income And Expenditure Please I Need Advice (6271 Views)
How My Monthly Salary Is Used On Foodstuff Only / What Was Your Monthly Income When You Married? / My Wife Is A Cheat. I Need Advice (2) (3) (4)
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Re: My Monthly Income And Expenditure Please I Need Advice by MrBrownJay1(m): 6:37pm On Oct 21, 2019 |
remove CHURCH from your salary and your worries would be solved.... keep them and you will always remain struggling! 3 Likes |
Re: My Monthly Income And Expenditure Please I Need Advice by sisisioge: 6:55pm On Oct 21, 2019 |
NL1960: Sorry, I thought I saw a week. |
Re: My Monthly Income And Expenditure Please I Need Advice by sisisioge: 6:56pm On Oct 21, 2019 |
jeff1607: I dont know about those ones o. |
Re: My Monthly Income And Expenditure Please I Need Advice by HMPD: 7:18pm On Oct 21, 2019 |
Bro, Stop number 3 completely, I would advice you save the cash. Control number 4(I mean 3 kids is beyond okay man). Also, you need a new job with a better pay or another source of income. Lastly, talk to your madam(wife), I'm aware that it is tough out there but anything is better than doing nothing. Instinged: 3 Likes |
Re: My Monthly Income And Expenditure Please I Need Advice by yeyeosoronga: 7:25pm On Oct 21, 2019 |
Instinged: Ask your wife to get a job. You earn very little and you're definitely living above your means. Things will only worsen as the children get older, so the earlier your wife starts contributing to the family income, the better 3 Likes 2 Shares |
Re: My Monthly Income And Expenditure Please I Need Advice by SirVintageCock: 7:42pm On Oct 21, 2019 |
This, right here shows that the traditional family settings as we know it is becoming null and void in this century. Men can no longer fend for our families without relying heavily in our wives. Practically, 80% of the commenters are requesting to know what the wife is bringing to the table without checking that the list does not contain any nanny or house help allowances. So obviously the wife is contributing massively albeit unnoticeably. So op, weigh your options and drop the church AID that is zapping 15% of your salary. As others opines, encourage your wife to start up something from home depending on how young your children are ..handiwork, small scale businesses or teaching home lessons. Anything apart from this will incure more expenses to your already dwindling economy. You can also transfer to a less expensive city or state. 12 Likes |
Re: My Monthly Income And Expenditure Please I Need Advice by Nobody: 8:31pm On Oct 21, 2019 |
My God this is why i fear getting married and settling down in this economy. This guy is really suffering mehn. I earn 340k as a single dude and i still loathe and pity my self. Wow! Real wow 1 Like |
Re: My Monthly Income And Expenditure Please I Need Advice by Acidosis(m): 8:46pm On Oct 21, 2019 |
Cut all you want, truth is that money can't feed your family. Consider a side business (weekend runs) or encourage your wife to start a business at home. Please read the last statement again. I recommend business, not a 5am -- 10pm job. If you push her far away to go do one of these yeye slavery jobs, you will end up spending half of that stressed salary on nanny/househelp, mama put/cook and daycare. While her salary will go 100% on transportation [agberos], drugs for headaches & backpain, and mamaput. 4 Likes |
Re: My Monthly Income And Expenditure Please I Need Advice by Ginaz(f): 11:38pm On Oct 21, 2019 |
Men now rely on their wives income to push the family going. Na wa. And later they will say it’s a man’s world . I salute men that take care of the family without stressing their wives. REAL MEN. 6 Likes |
Re: My Monthly Income And Expenditure Please I Need Advice by NoToPile: 4:40am On Oct 22, 2019 |
SirVintageCock: @bolded is the reality nowadays sadly. In all honestly I looked at that list over and over again they are really not spending too much considering they have 3 children, just that the salary cant cover their expenses. They even have it good some families have it worse. Op can have a side hustle. 2 Likes |
Re: My Monthly Income And Expenditure Please I Need Advice by sleit: 7:41am On Oct 22, 2019 |
Sir this load is much na Is your wife aware of this breakdown? She's an helpmate, encourage her to help o. |
Re: My Monthly Income And Expenditure Please I Need Advice by ednut1(m): 8:02am On Oct 22, 2019 |
Breaststroke:u are simply deluded. He should keep paying tithe he cant afford abi . He is a needy. Will the church support him with 50k. Nonsense 3 Likes |
Re: My Monthly Income And Expenditure Please I Need Advice by ednut1(m): 8:04am On Oct 22, 2019 |
AmericanDad:i dont live lavish and earn more than you quoted. He no dey reach any where. Cant imagine being married in 9ja o |
Re: My Monthly Income And Expenditure Please I Need Advice by Sambai65(m): 8:52am On Oct 22, 2019 |
Omo l! This one strong oooo,I save noting less than 110k per month out 170k ,you will need to minimize your expenditure bros |
Re: My Monthly Income And Expenditure Please I Need Advice by Esthered: 9:19am On Oct 22, 2019 |
Sambai65: I'm sure you're single sir. Kudos but give him steps on minimizing his expenditure. 2 Likes |
Re: My Monthly Income And Expenditure Please I Need Advice by Theyoungmatron: 9:31am On Oct 22, 2019 |
sleit:Ain't she helping already by doing the unpaid work of a cook, cleaner, nanny, house-help, home teacher and a whole lot more. Do you know what will happen if she starts working especially in this Lagos cesspool? Let me break it down: someone else will be paid to do those jobs from both their pockets which they cannot afford now. The much they can do now is for the wife to get something she can be doing from home that will not be stressful or the home-front will suffer. At least until the kids are old enough to take care of the basics. 3 Likes |
Re: My Monthly Income And Expenditure Please I Need Advice by Vyolet(f): 9:44am On Oct 22, 2019 |
Op, you are not living above your income, as a matter of fact, you have managed your income well, your income isn't just enough and you need extra income from side hustles to augment your income. As for your kid's school, I know everyone wants the best school for their kids but then with your monthly income, the fees are a bit high. I don't know where you live as I am not familiar with Lagos but I know there are Police children schools in Lagos and its up to four in different locations, why not try them, they have quality teachers, more than enough staff and the standard is really high with fewer school fees, what you currently spend per child in a month is about their entry fee which covers Uniforms, books and other levies and subsequently you won't pay more than 6300naira(for Police learners) or 9300naira(for Civilian learners) per term depending on the class and that's the highest for a primary 5 learner. You can even use a Police officer as guardian for the kids so you can pay the Rank and File fees which is for Police learners. Church, i may not want to dabble much into this as i am not a Christain and i don't really understand the significance of tithe but the common sense in me would not agree with paying as much as 15,000 naira out of a monthly income of 100,000 naira, you may want to look into that. Anything outside these two, you are not spending too much at all. Don't mind those saying you should leave Gotv, how much is gotv bill out of 100,000naira? If your kids can't go on outings and all, they deserve to see good programmes on TV and your wife deserve to watch great programmes too. @Instinged 6 Likes |
Re: My Monthly Income And Expenditure Please I Need Advice by zed7: 10:31am On Oct 22, 2019 |
You have done your best my man, I salute you. However, this issue of tithe for a struggling man is unacceptable for now. You should wait till you are a bit better off, after all if you have an emergency and you need a loan, the church wouldn't give you but will advise you to pray. Life is tough for a man in this country. To be honest I don't see anything you can cut out apart from the tithe. It's easy to talk of a side hustle when you don't have capital. However, if you can find a service to offer at weekends that will bring you extra cash, do not hesitate. You are a disciplined man, alot will rather spend half of that income on wine, women and gambling. 7 Likes |
Re: My Monthly Income And Expenditure Please I Need Advice by IceColdVeins(m): 11:38am On Oct 22, 2019 |
You wife can even be her own boss!! Early morning akara dey sell well! |
Re: My Monthly Income And Expenditure Please I Need Advice by Gerrard59(m): 11:50am On Oct 22, 2019 |
OP: Undergo vasectomy for your future. You have three kids already, any mistake can land you in five. Think about your children's future; education, healthcare, transportation, other living expenses etc. On the other hand, start preparing your children for scholarship competitions so that their education funding will be sorted out. What you need to do is to grow your income but not your expenses. Even if you start earning 200K tomorrow and you add two more kids, you are back to square one. To be a man ain't easy in Nigeria. Chai! 7 Likes |
Re: My Monthly Income And Expenditure Please I Need Advice by Sambai65(m): 12:19pm On Oct 22, 2019 |
Esthered:yes ooooo,I am confirm bachelor |
Re: My Monthly Income And Expenditure Please I Need Advice by NL1960: 12:23pm On Oct 22, 2019 |
Breaststroke: Stories for the gods. Tell us her salary so that we can analyse. Never knew that manna now falls from heaven. Please point us to where to get this manna so that everybody in Nigeria can go and pick it. 4 Likes |
Re: My Monthly Income And Expenditure Please I Need Advice by Esthered: 1:19pm On Oct 22, 2019 |
Sambai65: Eku bachelor hood. |
Re: My Monthly Income And Expenditure Please I Need Advice by ctleurocollege: 2:10pm On Oct 22, 2019 |
AmericanDad: Guy you're not earning that money in Nigeria. It's a good one here |
Re: My Monthly Income And Expenditure Please I Need Advice by ctleurocollege: 2:18pm On Oct 22, 2019 |
Instinged: The only thing I can say is feeding, cut that N8000 rice to N4000, change that Milk, Milo and Juice to rich Kunu and Zobodrink (N2000), remove GOTV for now, change your children's school (N15K per month max) or if your wife is a graduate she can try homeschooling while you save for their secondary education. 1 Like |
Re: My Monthly Income And Expenditure Please I Need Advice by Nobody: 2:19pm On Oct 22, 2019 |
I applaud your expenditure list,but one thing is missing .No savings,No emergency Money. Hear me and Hear me well,No body will lend you a hand so easily if problem arises.Not even your church. Your future is paramount treat it as such. 4 Likes |
Re: My Monthly Income And Expenditure Please I Need Advice by Sambai65(m): 3:05pm On Oct 22, 2019 |
Esthered: |
Re: My Monthly Income And Expenditure Please I Need Advice by omoharry(f): 3:53pm On Oct 22, 2019 |
IceColdVeins:This really got me laughing.. .Anyway, you talk true sha ooo!. People will always buy. |
Re: My Monthly Income And Expenditure Please I Need Advice by ambient: 4:10pm On Oct 22, 2019 |
For the milk and milo try buying it in roll, i hardly buy tin milk in my house i buy two rolls of milk and chocolate it will save you money. 3 Likes |
Re: My Monthly Income And Expenditure Please I Need Advice by NL1960: 4:39pm On Oct 22, 2019 |
ambient: Better. It curtails the quantity the kids scoop as they can no longer scoop from the can. There is now 3-in-1 which comes handy. |
Re: My Monthly Income And Expenditure Please I Need Advice by Nobody: 5:43pm On Oct 22, 2019 |
this is how men die young. what happened to one child till you get a better job or reducing your tithe 2 Likes |
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