Newly built Warehouse
Size: 3500square meters
Rent: #105,000,000 (#105m)
Secured Environmental
Security Post
Seperated gate
Contact: 08026163271 for inspection

Good one

Welcome back to my page. If you are new here, trust me this would be the best article on poultry business that you would read ever in your life.

Therefore, click on the follow button.

Note: I am writing from experience as poultry farmer with 7 years experience

Let us go straight to the point. What you are about to read here would open your eyes in this poultry business forever.

Knowledge is power. I was reading my Bible this morning and came across a verse in Proverbs that I want you frame it and keep in your house.

Hang it where you can see it daily. Here is the wise saying by King Solomon. “Always remember what you learnt. Your education is life, guard it well”.

What you are going to learn here is life. Every intending “Poultry Farmer” should remember and guard it well.

Pay close attention now.

Alot of vet doctors do not want you to know this secret. And few successful and profitable poultry farmers are ashamed to tell you. But today, I want you to know everything.

It will save you a lot of money. And you will be a profitable poultry farmer once you apply the knowledge you have got here.

Here is the secret knowledge; “Your broilers/layers birds do not need drugs everyday to give you result”.

The statement above is unpopular. I know you have never heard of such proposal. You have read different articles and spoke to numerous poultry farmers and what they normally complain about is how expensive birds drugs cost.

And it makes you scared of starting due to low budget.

For the experienced poultry farmers. Majority do not know the fact that their birds can grow and produce result without drugs.

For vet doctors, they know for sure that your birds don't need daily drugs to grow. But they have intentionally hidden it from you. Because they need your money to survive.

No insult to them�

They are in the business of selling Poultry drugs. And your constant patronize is what will keep them in business.

Therefore, blame yourself for not getting the required knowledge. Leave your Vet doctor and that poultry farmer alone.

I am here to help you.

Now, you will agree with me that birds are living things. Just like human beings. The difference is, their body system differs from yours.

Birds have respiratory system
Birds have reproductive system
Birds have digestive system.
And many more.

As a human being, you'll agree with me that you don't take drugs daily. You only visit your doctor, get prescriptions (after proper check-up), buy drugs as told. And take it as instructed.

And you only visit the hospital when you are sick. Your doctor might ask you to take the drugs only 7 days or 14 days and come back for check up.

Follow me closely. I am insisting that you understand what you need to be a successful poultry farmer.

Now, if you wake up in the morning. Decide to buy paracetamol and tramadol and consume 6 tablets morning, afternoon, and evening. You'll get sick within 30 days maximum.

You wouldn't only get sick. You might have spend thousands of your heard earn money buying and taking drugs that are not necessarily for your body system.

Remember, you were not sick initially. You decided to be taking drugs daily for pleasure. Or taking it so you wouldn't fall sick. But now, you are sick and plenty of money wasted.

And more money is needed to bring your health back to normal.

Now, use this example to match up with your birds. Why give them drugs daily when they are not sick?

Why?

Note that chicken drugs are expensive in Nigeria and Africa at large.

Let me tell you how some vet doctors bank on your ignorance to make money.

You venture into rearing birds newly and want to push your birds to grow faster than normal. You want to make quick sales (Quick sales doesn't equal PROFIT) within 5-6 weeks from broilers.

Since you want abnormal growth of your birds. Your vet doctor would sell a drug that could help you achieve that goal. They are zillions of boosters drugs available for impatient farmers.

So, one or two drugs would be recommend to you. They are usually not cheap. You will buy plenty sachets or bottles and be advise to be dropping in their water or mix with feed. To fasten their growth.

Let me inform you that birds consume plenty of water in a day. So, they would consume plenty of that boosters. Which directly means you are spending plenty of money daily on drugs for birds that are healthy.

At the end of 5-6 weeks, you big birds are ready for sales. But also remember that your cost of production too is big. So, you will struggle to sell your broilers at a reasonable price so you can make profit.

Note: Excessive use of boosters to increase birds growth causes incurable disease to human beings who consume the meat. And you are not coming into business to sell poison to your fellow human.

And that is where you will understand that poultry business is not as profitable as some bloggers makes it look. You need a lot of quality knowledge to be a profitable poultry farmer.

Do you remember your vet doctor? He has cash out without stress. And before I forget, excessive drugs can cause stunted grow in poultry. We will discuss about stunted growth later.

What Do You Need To Do?

Your birds can give you maximum growth in a short period of time. Without spending too much on drugs. You only visit a Vet Doctor when you birds are sick.

All you need is, quality feed. And clean water always available in the pen for your birds.

As simple as that. Buy good feed from reputable company with track record and testimony from field farmers. And give your birds at the right proportion and at the right time.

Note: Do not buy feed because their company agent told you the field is good. A poultry farmer should show you which feed to use.

Keep their pen clean 24/7. And most importantly, clean water should be available 24 hours for your birds.

Because if they eat quality feed and drink dirty water, it will lead to massive death. And lost of your invested capital. If they have enough of clean water to drink, it will ease digestion and that encourage growth.

So, the formula for maximum growth of your birds is Quality Feed+Clean Water = Net Profit.

I know it sounds simple and you might be wondering why nobody told you this or wrote about it before. The answer is simply because, I am writing from my over 6 years in the poultry industry.

And I want you to know the truth. Do not waste money on drugs. Buy drugs only when your birds are sick.

When they are not, provide them with clean water and good feed.

Your vet doctor wouldn't tell you this fact about rearing animals.

Good luck to you my friend. Go and start your chicken farm and become a profitable farmer. Do the right thing.

Be patient with your birds. [b]Quick growth doesn't necessarily translate to Quick profit in business.[/quote]

Thanks you so much for sharing.
Can you help with the step by step process you take to get the admission?

Did you engage a travel agent to get the admission?

Did you apply for the Visa yourself without the aid of an agent?

Can you help me with a guide on how to go about admission and the visa.

I can be reached on alexjosephine63@gmail.com.

Thanks

Following

Greetings. The house look appealing.

quote author=raymondFirstborn post=117740555]3bedroom bungalow + pent design.

Plot size required - 50 x 100

Construction Budget - N23m

Features

Ground floor
Anteroom
Family lounge
Dinning
Kitchen
3standard rooms
Laundry

Pent floor
Private Lounge
Master's bed Room[/quote]

Interesting

Your phone number and which state and location of the car.

post=117621867]Toyota Corolla
Engine: VVTi 1.8L L4 FI DOHC 16V
Year: 2008
VIN: 1NXBR30E38Z987740
Mileage: 45,000
Spec: 16 Valve, Full Option, 6 CD Loader, Security, Very Neat, Complete Airbags, White Speedometer board
Price: N2.2 Million[/quote]

Your contact phone number pls


post=115740943]URGENT SALE OF LAND WITH STRUCTURE ON IT .
Location: Aco estate Airport road
Size : 500sqm
Price : 40 Million[/quote]

3BR Duplex For Sale at River Park Estate
Airport Road Lugbe
N98,000Million
Contact: 08026163271

Pls what is the full meaning of PGWP?

Many thanks for this info bro


quote author=Udoka3654 post=116986501][/color]Hello, My good and hardworking people of Nigeria,

This may sound disappointing to the elites here but I need help.

In my quest to further my education after being held for about 5 years by ASUU just on Post-Graduate Diploma, I decided to look elsewhere for my educational advancement and JAPA level. This made me choose Canada as a route. I found a school called Ontario College of Management and Technology (OCMT) and was admitted to study Cyber Security and Intelligence without due research and consultation.

1: I processed and got a loan from MPOWER which is currently ready waiting for arrival to disburse the fund to the school
2: I already paid the initial 10% tuition fee directly to the school which was acknowledged.
3: I have already arranged all required documents for the IRCC website yet to click the submit button.
4: A friend in Canada drew my attention to PGWP and we found out OCMT does not give it. At this point, confusion set in heavily. Without PGWP, you will have to return to base immediately after graduating which is not in my plan in any way

OPTIONS

My friend came up with two options:
1: continue with the school (OCMT) and switch to another school for an extra program and acquire PGW ( This will require going for a second loan with MPOWER)
2:Start the admission process afresh. communicate to OCMT with a logical reason informing them of my desire to quit the admission and demand a refund of what I have paid (approximately 3,000 CAD)

[color=#990000]I'm totally confused and require expert and candid advice on what to do


[/quote]

Following

Very Ok

quote author=HassanBuTt post=116676761][center]Everyone wants to be productive. Being productive at work can help you to grow your business faster or land a promotion if you work for a business. Being productive gives you an edge over all other employees.

Here are 4 tips on how you can be more productive at work.

1. Set Daily Goals
You should know clearly what you would like to achieve each day. At the beginning of the day, it must be clear in your mind how much work you want to be completed by the end of the working day. A really effective exercise is to write your desired goals down on a piece of paper so you can easily see them throughout the day. This will help ensure you don’t spend too much time doing things that aren’t important. Make a list of tasks you have to do to achieve that goal. Your List of tasks should be clear too.

2. Set Priorities for Tasks
To prioritize tasks, start with a list of tasks. Then, make a prioritized list based on importance and urgency. Prioritize your list before starting work. Keep your focus on one task at a time. Don’t let yourself get sidetracked. Review your lists regularly. Stay realistic about what can be accomplished each day.

3. Become Focused
Distraction is a killer. Look how much time you spend on social media or notifications and wasting your time there. To manage your time properly, you have got to avoid all distractions. Especially put your phone away. Do not do multiple tasks at once. Focus on one thing at a time. That will help you concentrate more on what you are actually doing.

Take Breaks
Working all the time can drain your energy. When you start feeling tired, take a break. Don’t worry about wasting time; instead, make sure you don’t lose focus. Take a quick break every hour or so to keep yourself focused. Avoid distractions such as social media during short breaks.

You can read more on this topic in this article: https://improvementdose.com/how-to-increase-productivity-get-more-work-done-in-less-time/ [/center][/quote]

Well written

post=116592658]HI, my name is Mrs Mildred Martins, When I began my career in real estate in 2012, I was newly married with a 6-month-old at home and lots of bills. My bachelor’s degree had led me down a path of hard work for little pay. I needed to make a change, and fast, but I also had a fire inside calling me to build something bigger for myself and my growing family. I didn’t know a thing about selling houses. All I did know was that somehow I was going to be my own boss. This girl was not meant for nine to five or stuffy board rooms. So in 2012, I got my license and hit the ground running. Well, sort of.   

No one ever tells you what it actually takes on a day-to-day basis to make it in this business until you’re in the trenches. I was eager to learn but also broke and desperate. I joined a well-known team in my area and learned as much as I could. For five years, I cold-called, held open houses, and worked 60 hours a week, nights and weekends. This was a great experience but definitely not what I had in mind.  
I had a bigger vision for my life. So in 2016, along with my business partner, I joined a company and partnered with them, CIGARO REALTY LIMITED, Since then, real estate has truly changed my life for the better. The flexibility has allowed me to thrive as a working mom, raising 3 wild boys while growing a top-producing team. I now have the opportunity to lead a group of eight amazing women realtors, which has brought to light the unique challenges that we face as women in real estate.  

Prioritize safety
Our photos and contact information is all public. It’s a necessary part of our business, but it also leaves us vulnerable. I know the women on our team are not the only ones who have been the victims of stalking. After many strange calls and late-night hangups, an out-of-state detective connected the dots and informed us of a man who was stalking women in several states that he found online. All were real estate agents, and all had a similar appearance.  We’ve also gotten calls from men who were pretending to be in the market for a home because (after some wasted time, we found out) they were looking for a friend… and we “looked friendly.”  
A potential sale is never worth your safety. Always meet with buyers at your office before showing them a property. If someone is serious about buying a house, they will meet with you. Usually, when I tell a potential client that we meet in the office for safety reasons, there are no objections. When you do meet new clients for showings, always let someone know your location. Be sure to bring someone along to open houses, whether that’s a spouse, a friend, or better yet, ask a mortgage lender to co-brand some marketing materials and come along with you. It’s a win-win.  

Value family
I’m sure juggling family and business is a struggle for all working moms. As entrepreneurs, we often feel the need to hustle and prove ourselves while at the same time managing our guilt if success comes at the cost of time with our loved ones.  
I personally have had mixed experiences. I know for certain that I lost a lot of business when I was expecting my second and third children. Even after explaining to potential clients that I had a support team to cover for me while I was home with a newborn, buyers and sellers (understandably) want to make sure their real estate agent is available at all times.  Although I empathize with their concern, there is no “maternity leave” when you’re self-employed. No clients, no income. 
Last-minute appointments are the name of the game. More than once, I’ve had to throw my kids in the car, bribe them with candy, and pray that they don’t break anything because my buyer’s perfect house just came on the market. Most people are incredibly understanding. 
At the beginning of my career, I would drop everything and run out the door whenever a client asked me to. I missed a lot of dinners with my husband and putting my kids to bed. Set clear boundaries for yourself or you may find yourself with strained relationships and lots of regrets.    
Schedule your family time as “appointments.” Date night? Kids baseball game? Clients don’t need to know what kind of appointment you have!   

Remember self-care
Real estate is so unpredictable. You may find yourself spending more time in your car than in an office. Some days you have back-to-back appointments for 12 hours straight and some days you may work at home in your pajamas. It’s easy to forget about taking care of the most important person (that’s you!) when you’re always on the run. But don’t let the erratic nature of this business get the best of you. Schedule time for personal development and self-care so you don’t burn out. Get a massage. Go shopping. Take classes that have nothing to do with real estate (bonus—you’ll probably pick up business while you’re networking and having fun anyway). Don’t skip this step. You can’t take care of everyone else if you aren’t taking care of you!   
Overall, I’ve been incredibly lucky to be a woman in this industry. I don’t feel that my gender defines me in this field. Powerful women have paved the way for decades and leveled the playing field for us.  
We truly bring so much to the table. We are compassionate, empathetic, and can juggle a million things like nobody’s business. Ultimately I have found that if you just be genuine, be yourself, surround yourself with people that make you a better person, then we can make the most of an amazing career and show future generations of women Realtors what is possible[/quote]

Very insightful


I'm here to share my business story. I observed that real educative threads have practically vanished here on Nairaland. And trust me I have been here for several years

These days its all about Social media gossip, politics, insecurity, bla bla bla.

So I have decided to share my practical story and hope to make it educative and interactive.



I have been actively involved in Transportation business for a while and quite a number of people know me here on Nairaland.

However I decided to take a dive into the real estate sector.

Sincerely real estate is one of the most profitable businesses in Nigeria and the reason is simple. You provide a basic need.

People must live in a house irrespective of social status, tribe or religion.

Every human being sleeps in a house on a daily basis.

Its plain and simple.

However the industry is very big and as an investor you choose what aspect of real estate business you wish tp dabble into.

After series of researc I decided to venture into the short let rental business.

Basically provide fully furnished apartments for short let.

Let the journey begin.............[/quote]

Really? Programers are highly sort after

Thanks for sharing

Gurus in the house. Pls help with the info. Thanks

quote author=TheHoly post=114906739]Is there a site where I can find current dollar to naira black market rates? I mean like in an hourly or at least daily rates.

Most rates I find online are sometimes a week old.
[/quote]

Ok.

StellRocks:
We are StellRocks Group Africa, a growing integrated agribusiness firm engaged in the sourcing, procurement and supplies of agricultural commodities since 2017.

We are now seeking to go into food production and agro processing with the establishment of a bakery for commercial bread production.

The total required capital for the bakery set up is N7.7 million of which we require a partner to finance the equipment purchase of N4 million.
Our estimated gross profit for year 1 is N9.8 million.
We have a 3 years business plan ready; a document that took us over 3 months of intensive research work.

We can offer up to 50% equity and total repayment of the equipment fund after 12 months of operations. We are open to negotiations.

Interested person(s) can reach me on +2349058699635

Great. Keep it comming

post=114827387]Good day wonderful people of Nairaland!...

A Client wants a 4Bedroom Contemporary Bungalow with Pent with a mix of luxury and comfortability and Boy oh Boy, we didn't disappoint. He was in awe when he saw the outcome and the design is Lovely to say the list. God willing, we will be doing the construction also... Please stay tuned and follow the updates here

Client: Nairalander
Contractor: Crystal Genius International Limited
Email: crystallinksintltd@gmail.com
Contact/WhatsApp: 08069452707

Project Stages:
Foundation (Shallow Pad & Strip Footings to Oversite)
Block work to Lintel
Attic Floor Decking and Gutter Roof Slab
Attic Floor Blockworks
Parapet Wall and Roof Gutter
Roofing.

Building Size/Area: NL
Proposed Budget for carcass: 23m
Duration: 4months (Funds availability)[/quote]

Ok, let me inform Emma

uote author=rowels post=114250514]Are you a digital marketer who knows all the digital channels and uses them to drive brand awareness and generate leads. From SEO, Social media , digital advertising, email marketing, WordPress website design , content marketing and optimization, etc?

Can you train and help students to understand and use digital marketing tools very well?

Are you in Abuja ?

Then you can Apply here https://www.bizmarrow.com/careers/

or send your CV to 08088996437 via WhatsApp[/quote]

You nailed it. Thanks

uote author=PromiseObasi post=114094290]I must tell you.

Number 3 is the most Powerful tool

I promised I will make this post, you all are like my family now so I can't disappoint, I had to squeeze out time for this.

Everything I would be typing here has worked, so I'm not inventing things.

There are two types of people these techniques will work on.

1. Those that have the money to buy but are just sceptical about it.
2. Those that don't have the money but can outsource it.

Let's Dive in �

For someone to have indicated interest in your product or service is enough to tell you that the person wants it and is a "Buyer in heat", a buyer willing to spend.

Letting that person slip away ordinarily should be a mistake you are not supposed to make as a Vendor or sales person.

For this cause I'm going to use practical examples from some of my past tweets

Let's say the Buyer's name is Promise and you as the vendor sells Perfumes.

From the first example, Promise says

"I will think about it"

You can say this.

"Promise what is left to think, this perfume will make anyone who meets you to never forget how good you smell, so what's stopping you from getting it?"

I just did something right now.

I made Promise look into the future and see himself in a gathering, a party or anywhere, where he is walking past a group and every head is turning.

You need to know how to create a picture in a buyers head.

Make them see a future of how better off they will be with your product or service. People who sell clothes do this a lot..

"This clothe will bring out your hips" all of that �

You can also say this

"Promise, a lot of people who said they would get back to me never did, what is stopping you from buying this sweet smelling Italian masculine perfume?"

Who knows what I did in this case?

Here I sold Class, I made the person see himself as a high class person about to buy an Italian perfume. I also sold benefits.

How?

Promise will smell masculine now.

The aim is to know who your client is.
If Promise is someone who loves Class, Promise will buy the Perf. �

The last bullet you can shoot�

Scarcity!

People won't buy till you give them a reason to buy now.

You can say.

"Promise, this perfume is remaining just two, those who bought it kept coming back for it. It may not be available when you return"

If Promise has the buying Power (Money) he must buy.

If he doesn't, he will look for it..

You sold two things here, Scarcity and Value.

You told him how valuable the perf is by telling him people kept coming back for it.
You sold scarcity by saying it's remaining just two.

You have been empowered my Fellow Entrepreneurs. Use this Wisely and do not take advantage of anyone.


#PromiseWrites

Share too, your friends will need this.

Check out my last topic on "3 Reasons why you don't make enough sales"

Kindly share to your friends and Follow for more.

See you next time.[/quote]

Okay


uote author=skooqs post=114055671]From entrepreneurship to medicine, the future of work is evolving. A lot of jobs require basic tech skills and within the next decade, many regular jobs would become automated thereby requiring technological and digital skills for future employees to remain relevant in the workforce.

Smart homes are a thing too; from cleaning to entertainment and home security. With the advancing technology, there's a lot to keep up pace with.

That is why your kids should start acquiring technology skills from Skooqs relevant to their prospects. So many opportunities avail for good analytical, computational, and critical thinking skills.

The earlier your kids begin to develop these tech skills, the more proficient they will become before they become adults. There's also every chance that they can become promising techpreneurs and solution providers.

1. Coding
Coding at Skooqs helps develop critical thinking and problem-solving skills in kids as well as encourages them to experiment with different possible solutions to a problem. Coding is a tech skill that explores creativity as well as computational thinking in kids. Game Development is a fun way to teach and develop these basic tech skills in kids.

2. Artificial Intelligence
With the evolution of technology, comes the digitization of many tasks. Companies and many end users are seeking efficient, error-free quicker solutions. Medical science is becoming increasingly dependent on data analysis to help customize healthcare solutions for patients according to their lifestyle and genetic makeup. By learning artificial intelligence for kids on Skooqs, you get to quickly start exploring all of these skills.

3. Machine Learning
Every day we share and receive data through different channels. Relevant tech skills are required to evaluate and implement these data. Kids as young as five can sharpen their tech skills by learning how to teach their computers to analyze, interpret and implement data. Got a kid who finds it difficult to gain math skills? Machine Learning courses are a fun way to boost their confidence in math.

4. Design
Kids learn fast and their imagination is limitless. Let them explore their creativity through Photoshop for Kids, UI/UX Design for Teens, and Fashion Illustration for kids which is on Skooqs as well.

5. Web development
Catchy sites like that of Skooqs we see on our screens every day aren't rocket science. This is what happens when creativity meets good tech skills. And with materials and videos on Skooqs, it is now very easy for kids to learn website creation

Encouraging tech skills for kids encourage blended learning. Tech skills aren't fading away anytime soon. Classroom activities are becoming digitized and it would be difficult for any kid who lacks basic digital skills to achieve their academic goals. Hopefully, gaining tech skills from childhood would help close the gender gap.[/quote]

Well researched

counties like the United States and a few others, their economy may have just completed the fastest recovery from a recession in history — a significant achievement following a crisis as devastating as the coronavirus epidemic — but forecasters, investors, and consumers alike are concerned that another slump is on the way.

[url="https://coindecimal.com/7-ways-to-be-financially-prepared-for-a-recession-in-2022/"]Recessions[/url] affect more than just economic models, and consumers frequently face financial difficulties as a result of job losses or wage reduction. One of life’s most distressing realities is that downturns are unavoidable, owing to the economy’s cyclical nature.

All of this is to imply that, downturn or no downturn, preparing your finances for tough economic times is an important aspect of your financial strength.

Five Things You Should Do Before a Recession
Here are five things important for consumers to do before a recession:

Create a Financial Plan — Knowing your income and expenses, as well as having a clear plan for your money, can help you feel less stressed about money. Budgeting can assist you in modifying your spending habits and prioritizing your objectives. Make a plan to assist you avoid taking on too much debt or paying off what you already owe. However, you don’t have to limit yourself to paying off debt or increasing your savings; you can also invest for the future.
Advance Your Career — Recessions are traditionally associated with increased unemployment, so preparing your career for the next downturn is critical. Now is an excellent time to reach out to your network and keep in touch with those in your field. Higher education is associated with reduced unemployment rates, so if you’ve considered returning to school, now might be the time. Adding new talents or enhancing existing ones could give you an advantage in a future, more competitive employment market.
Have an Emergency Fund for Backup — Whether or not there is a recession, you should have an emergency fund. These funds allow you to avoid taking out loans to meet unexpected expenses such as repairs, medical treatments, or job loss. Emergencies are exactly that: unanticipated. And a good number of people aren’t ready for them. If you’re just starting out, I recommend keeping six months’ worth of costs on hand, including rent, electricity, and groceries. That amount may appear large initially, but small donations over time can add to significant savings. You’ll want to keep your emergency funds in a liquid account (such as a high-yield savings account), so you can get to them quickly if you need them.
Other things to do before the recession include:

Always stay up-to-date with the news.
Ensure you make decisive moves and decisions before the downturn hits.
Seven Ways to be Financially Prepared for a Recession in 2022
Here are seven steps to ensure your funds are recession-proof and that you are financially prepared for a recession:

Evaluate your Financial Priorities
One of the most difficult aspects of a recession — let alone a global epidemic — is not knowing what will happen next or when things will improve. That’s why it’s critical to [url="https://coindecimal.com/save-money-fast-on-a-low-income/"]understand your financial situation[/url] as this will help you be financially prepared for a recession. As you assess your financial status, ask yourself these crucial questions.

What is the total amount of money I have on hand?

How much cash can I get my hands on immediately in the event that I require it?

What kind of debt do I have now (credit cards, student loans, etc.)?

What are my monthly essential living expenditures, such as food, shelter, health insurance, transportation, and childcare?

Do you have any major life events coming up, like weddings, the birth of a child, or retirement, that may require a large financial outlay?

Now is the moment to figure out how much you’re spending right now and what you’ll need in the following six months. If you’re well-prepared for a recession, job loss, or other financial setbacks, your emergency fund will have three to six months’ worth of living expenses.

Set a financial goal if you don’t have at least three to six months’ worth of basic expenses in cash. Begin by gaining a basic awareness of your spending habits and creating a budget.

It’s fine if your budget needs to change in order to prepare for a recession. Reduce non-essential spendings such as entertainment, cable, and apparel. While it’s impractical to expect to eliminate all discretionary expenditure, it’s critical to distinguish between wants and requirements. Examine your finances for areas where you may have overspent. Try to figure out what went wrong. You may not have any extra cash to put toward your retirement or a down payment right now, which is fine in the short term.

You’ll be off to a fantastic start once you examine your expenditures and look for areas with problems.

Make debt repayment a top priority
You may be concerned about repaying outstanding debts, such as credit card payments, utilities, or student loans, in the future months. If you lose your job, you may be forced to postpone paying one or more of these expenses, so it’s critical to know which ones you must pay.

After all, if you lose your job, you may be unable to pay all of your bills on time or in full each month. And your credit ratings will suffer as a result of this. While we typically advise doing everything possible to maintain your credit scores, this may not always be practical. As a result, you should prioritize how you pay your payments so that you can cover as many debts as possible with your available funds.

Make sure your rent or mortgage is paid in whole and on time. You don’t want to be evicted or risk foreclosure.
Make your automobile payment, particularly if you rely on it to get to work.
If your income is being reduced, contact your student debt lender and request a hardship application, which may allow you to avoid making payments for a few months all the while helping you be financially prepared for a recession.
Use your credit card to make at least the minimum payment. Call your credit card provider to arrange a payment plan if that isn’t an option. (Just be aware that the creditor will most likely put a hold on your accounts, preventing you from making any more purchases with the card.)
If you can, continue to pay your medical bills, but only after you’ve paid off your other debts. If your company provides your health insurance, you will continue to have coverage even if your medical expenses rise. If you acquire your own health insurance for whatever reason, whether you’re self-employed or not, be sure you pay your premium on time to avoid having your coverage canceled as this will also help you be financially prepared for a recession.
If you’re behind on your payments, don’t wait to contact your creditors and request hardship concessions. Making interest-only payments on your debt or putting payments into forbearance are examples of this.

You can also apply for a personal loan via your local bank or credit union. There are also online lenders, and your employer may have a short-term loan program available in times of need.

You can also approach your credit card company or any other lender to lower your interest rates if you make on-time payments. A large number of major utility companies provide programs that may allow you to pay your bills later or provide other forms of assistance if you are experiencing financial difficulties.

Employ and use government and community assistance programs
Fortunately, to be financially prepared for a recession, many local, state, and federal governments will step in to help those in need during a recession. During the Coronavirus (Covid-19) pandemic, for example, the US government is contemplating a variety of aid options. It has already declared that taxpayers will be given an automatic extension to pay their tax bills and file their taxes without penalty or interest.

The deadline for filing taxes has been pushed out from April 15th to July 15th. A temporary moratorium on foreclosures and evictions for homeowners with federally backed mortgages has also been established under the Coronavirus Aid, Relief, and Economic Security (CARES) Act. If you have a federally backed mortgage, you may be eligible for mortgage forbearance if you have faced financial hardship as a result of the COVID-19 outbreak.

More information about coronavirus mortgage relief possibilities can be found in the Consumer Financial Protection Bureau’s guide on coronavirus mortgage relief choices.

On a lesser scale, community organizations such as food banks and places of worship will frequently offer assistance to those in need. Check with your local government and community activist groups to see if there are any resources in your region that can help you with your specific needs.

Make the most of your emergency fund by putting as much money as possible into it
Even if job cuts or layoffs are on the horizon, maintain putting money into your emergency fund as much as necessary. When the money stops coming, you’ll need every penny. Give up all extras, including delivery and takeout. Try to live as simply as possible so that your money may stretch as far as you need it to.

While using your emergency fund should never be taken lightly as this is vital to being financially prepared for a recession, losing your job or being forced to live on a lower wage certainly qualifies as a solid cause to use some of the money you’ve saved. However, as soon as your financial condition improves, you should begin rebuilding your emergency fund. If not, you may be forced to make difficult decisions, like as withdrawing funds from your retirement account or asking for a home equity line of credit, when the next emergency strikes.

Increase your Income Sources
Don’t forget to invest in yourself as the unemployment rate rises by continuing to develop your skills and training. Take more classes to improve your resume. This provides you an advantage over your competitors and helps you be financially prepared for a recession.

Getting a better-paying work can help you save more money and prepare for retirement, so keep looking for new chances.

Other ways to be financially prepared for a recession in 2022 include:

Concentrate on the long term and diversify your portfolio
Don’t make rash decisions when it comes to your investments
What Thrives During A Recession?
Recessions are challenging times. Many people are struggling financially, and many more are concerned that they may be next. A recession, on the other hand, may present a chance for a select set of professionals to thrive and grow. Here are a few examples:

Economists and financial advisors
People with a lot of money want to ensure they’re taken care of, especially during a downturn. As people become concerned about the security of their investments and seek advice on how to protect their holdings, financial advisors typically see an increase in activity.

Food Stores
Dining out becomes a luxury for many people during a recession. People prefer to prepare more meals at home and even entertain their friends at home, thus supermarkets often witness a spike in sales.

Discount and Bargain Stores
During a recession, people cut back on pleasures, but it doesn’t imply they never buy anything that isn’t absolutely required. Even a witty economic theory called the Lipstick Index claims that because cosmetics are a relatively inexpensive indulgence, sales will always grow during tough times. However, bargain and discount retailers sell a wide range of additional inexpensive products. When a recession strikes, people who would never purchase at a dollar store otherwise reconsider their purchasing habits.

Others include:

Property Management Companies and Rental Agents
Auto Repair and Maintenance
Although the events of the next few years may be unknown, the greatest thing you can do now to prepare is to take proactive steps which will help you be financially prepared for a recession. [url="https://coindecimal.com/"]Coindecimal[/url] can provide you with trustworthy information on important financial matters to help you remain on top of your finances during these trying times. Financial knowledge is more vital than ever before, so you may feel good about your financial situation regardless of the challenges ahead.[/quote]

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