When your debt is more than your revenue.
I have always wished to acquire in life but things i know would satisfy me and at the same time not run me of my money, most people live there lives to impress others and as such deep their hands into debt beyond what they can carry,some Nigerians are so badly informed that you start to hear words like ” even Nigeria is in debt,then who am I?” they use this statement as a proof that their act is right but is it really right ?
Mind you to the professionals reading this am taking this case from an individual view.
Why will your debt be more than your revenue?
The major reason is due to our act of extravagance,”oh yes I want to prove a point,I want to show the world I have got this money” your ego pushes you to fall into debt which leads to alot of debts then you start running from pillar to post seeking succour,some at this stage start having high blood pressure and before you know it something else happens.
But How do I overcome this act of careless spending?
Some people always have this urge to buy whatever they see even if it is not useful,once they have the money they will buy,some will not even have the money but will go ahead to buy on credit. To stop this careless buying you can follow this procedures:
1. When you go out especially to a market,write down the things you want to buy and their expected amounts.
2. Do a rough calculation of the exact money you need and just add a little amount to be on the safer side.
3. When the urge to buy what is not on your list comes,bring out your list and recite what you want to buy,in that process you have toyed with your brain and as such made it lose focus on its earlier thought by the time you will raise your head your mind will lead you to the exact location to buy what you are suppose to buy.
4. And finally have a record,yes record of your daily spendings this will help you monitor what you have and what you don’t.I have written something about this creating your record in the past,check my previous updates.
This is my fourteenth year with Grandmother,I was placed in her care since only God knows when. Mama as i fondly called her would allow me do nothing all she wanted was for me to be by her side. At six i remembered playing with her sagged breast “Iya Eleko,you have spoilt Omokeyede” her friend seated with her said,Mama didn’t reply as she continue shelling melons while I played on with my new found toy.
Staying with Mama was fun until few months after my fourteenth birthday, Uncle John came to the village saying he was taking me to Lagos which Mama blatantly refused,I came out of my hiding and told uncle I wasn’t going either. He started complaining I was being over pampered and needed to be controlled before it gets out of hands,Mama stood up voicing out angrily,Uncle stood up too his voice loud and clear” Ever since the death of her mother you have refused me custody of my daughter,she even thinks I am her uncle,I want my child,we are leaving in three days time.”He said storming out.
Mama was quiet,I looked from her to Uncle getting into his car “What’s happening?why is uncle calling himself my father? but you said my father died a long time ago!” I asked. Mama drew me near “He is your father”she said. She explained how mother died during delivery,how father had gone ahead to marry another woman whom she thought would maltreat me. The uncle that always come home every three months buying things for me was my father, so it was a charage all these while,I jerked away from her “Mama,why did you lie to me?” I screamed as i ran to the backyard then into the bush to find solace,I heard Mama screaming my name
My Christmas carol Experience..
I was clothed in red and white
swaying here and there in my shoes
dancing to the various Christmas
songs.I was showcasing my dexterity
in various dancing steps when I
stepped on an old woman,i look back
to apologies and saw those eyes
through those big and ancient
spectacles staring at me,if eyes could
emit bullets i would have been shot
dead instanta,”i am sorry ma” i said
under my breath as i moved forward
to dance my sorrow away, “children
of nowadays!” i heard her say to
another older woman sitting by her
i was still displaying a move with my
peers when one of my favourite song
was sang i forgot i was in the house of
the Lord and was Carried away by the
euphoria and didn’t know when i
jump to the front and started
displaying worldly dance step before
the pastor,mind you i never knew he
was the one ,what i noticed at first was
my peers stopped dancing and
started looking at me from afar then i
noticed the song was stopped then
the musical instruments came to a
halt,then sense dawn on me i had pull
off my shirt and was dancing like a
gangster,i looked at everyone then my
eyes met the eyes of the old woman i
stepped on ,she murmured the word
again “children of nowadays” before i
could say “Jesus” i was surrounded by
prayer warriors “Every evil spirit in
your life….” they started praying while
i looked on amazed.what was meant
to be a Christmas carol had
metamorphosised into a Christmas
prayer session. i stared with my eyes
open as i was rounded up by the
mob of prayer warriors,soon it was all
over but i was drag to a new seat near
the grand ma in big glasses as my
friends giggle at the back about my
suppose evil spirit encounter ,i was
gentle all through the carol services
and i stood still, singing with my
crooked voice,then it was time for
Christmas wishes, i was called forward
to make my Christmas wishes,i took
hold of the Mic ,with the anxiety in me
i started thus “i want to wish
everybody a happy Christmas and a
merry new year” i committed the
greatest blunder of the century,my
peers burst into laughter while older
people shook their heads in shame,i
went ahead to complete my line with
“I wished you a prospective new year”
the old woman with big glasses spoke
out again “children of nowadays”
before i could say Jack the pastor and
the prayer warriors had rallied round
me again,”the evil spirit is still there”
the pastor screamed..
Christmas carol turn Christmas prayer
merry Christmas and a prosperous
new year….2017 year of wonders.
It is stated that one of the ways we can get in touch with government is the social media which I decided to use to pass this message across to you. I will like to appreciate the Minister of Works,Mr Raji Fashola for his hardwork in the Ministries he serves,you have always being loved by the masses due to your past achievements. I also appreciate you, Senator Ibikunle Amosun for your good work in Ogun State though this is not my first of writing you and i saw the adjustment few days after I wrote to you. I really commend you sirs.
The purpose of this letter is to make known to you the state of the Lagos Abeokuta road especially from Toll Gate to Sango Ota, the road is so bad a journey of few minutes can be elongated to hours which hinders the flow of movement on this road, Honourable Minister I know the road is a federal road and is not to be left like that because it is the road that links Lagos to Ogun State and I know you are after development,repairing that road will develop a lot because time meant for productive activities are wasted there,lives get lost due to accidents,vehicles get damaged,the worst part is when there is rain one would feel like crying, I am pleading to you Honourable Minister to come to the rescue of the masses that use that road before it totally get out of hand,it will be an achievement the people of Ogun and Lagos will never forget, you can send your staff to inspect the place,I will be expecting a speedy repair of the road.
Governor Ibikunle Amosun, I know you are a caring Governor,I am pleading with you as well to work hand-in-hand with the federal government to get this road done, we want Ogun to be great too which I know his part of your dream.
Thank you as you amend the road.
From A Concerned Nigeria.
Simple ways to set up a personal
Have you ever always thought of a
way to monitor your daily and
monthly transactions? Even without
having any knowledge about
accounting you can set up a simple
way to monitor your transaction and
we will gladly lead you through.
What is a personal account?
For accountant and other financial
related persons, the personal account
being describe here is not really
related to the Personal account you
know, personal account in this term is
a recording of transactions carried
out by private persons which are kept
by the individual to monitor their
Simple method to set up a personal
The mode of recording: you can go
for digital form of recording which
means you record your transaction in
soft copies through the use of
personal computers or you follow the
traditional method of recording by
buying a note to use for recording
but do know you can as well use both
method.just follow the ones that suit
2. Know your expenditures and know
your income: in setting up your
personal account you really need to
know what incomes are and what
expenditures are, for those not in
financial related field,income can
simply be money from a transaction
coming to you.do you get it? It means
you are not the one paying,you are
being paid for a service you rendered.
While expenditures simply are
services you enjoyed which you are
paying for and not been paid this
A typical example of weekly
expenditure is having a hair cut or
having a hair do. You pay for the
service and that is an expenditure on
you now lets say the you are the
barber it is a income to you..hope you
get it? Good. now you write it down
on a daily basis in any means of
recording that suits you.
3 Monitor your incomes and
expenditures: After each week of
recording monitor your income and
expenditure and try to see which one
is increasing and which one is
decreasing ..if your expenditure is
more than your income please try to
look at your record to know If there
have been some reckless spending on
your part if not try to cut your
expenses down.If your income is
more than your expenses this is a
good sign and it is always advisable to
continue that way. If both are equal it
is a good sign but it means you are
managing and very soon you might
be propelled to increase your
spendings therefore it is advisable to
also reduce your expenditure by all
4. Compare it with your bank
statement: it is advisable to always
print your bank statement at the end
of this month,comparing your bank
statement with your personal will help
you to reveal errors on your part or
from the bank..
Thats all you need.
Please note that at the beginning of
every month you should always keep
a budget of your monthly spendings
and you should follow it in the course
of your starting your monthly record..
Today we are going to be dishing out
different types of liers.. Liers are
individuals that do create a scene out
of no scene,here we go:
1. The Creative Liars: God bless this
set of people with creativity but they
decided to use it in a negative way,
imagine someone bulding a house in
the thing air.. They are never in a tight
corner cause there is always one lie
they can concort easily and escape..
2. The Basket Liers: don’t get me
it is not that they carry basket around
o,far from it,these type of people will
lie but it can be easily detected,their
lies always have a leaking spot with
no foundation at all.. immediately they
start spiting out their lies,you already
know within it is a lie from hell and
cannot hold water…
3. The Antagonizing Liers: these set of
people always have a motive for lying
either to bring down someone they so
much hate or damage ones integrity.
You hear them swear by heaven and
earth, “I swear to God who made me
I saw him when he was taking the
money” that’s an example of their
4. White Liers: this set don’t really
want to lie but they find themselves in
a difficult situation which the only
thing to do is to lie to protect a cause..
E.g you are in a club and thieves
forcefully try to garner information
about a friend of yours, but you totally
lied and even deny ever knowing
him.. But come o lie na lie..
Ponzi Schemes Conversation.
Last night I was with my wife and neither of us had dinner, then she turned to me “sweet, bring money lets get something to eat” I looked at her and started stammering “M.M.M”. she looked at me angrily “you think it is by saying em em em like a fish, a man that doesn’t provide for his house will not see PARADISE” I opened my mouth shocked by her utterances “We can GET HELP from our neighbours or will turn to GET HELP from the WORLD.” she looked at me like I spoke French, “Shameless man you can’t join the GIVERS FORUM,you only know how to receive or is Dangote not your mate?”
I smiled at her and said “don’t worry ,I am praying to get a ULTIMATE CYCLER change in my life and I will start doing CHARITY to help people in need but this night we have to go to bed hungry except if you want me to join a ponzi scheme…