How to survive in January on a low budget.

[rachael9385]

Omor this talk enter my body because e done tay wen I view this kind of post and e make sense say nah here you first drop am because many of us know really know how to spend less.
As you see so, this January nah spending month because as the year just dey start a fresh many people house rents done expire and school fees too also dey one side, do if person no plan from now, em no go fit afford all this things this month of January.
Less spending dey make person save money from now to through out the year because reining season dey for front dey come, if person no start from now to plan, em no go fit meet up this year.

[Gormicsta]

I go say na to get your plan already setup for December against January wey be say people believe say e dey always hard, but if you don plan finish also save money for the January, you see say the month no go too hard for you because you don already put  for budget, you no spend carelessly for December.

[Gideon99]

OP you are on point but I must say, this aspect of spending lifestyle is amongst the youths and possibly those that are not yet married if i am not mistaken. Do you agree with me that there are some youth that are not married but the responsibility on them is like that of a.married man? I understand that expenses can be curtailed but in some situations, you can not run away from it because the more you grow the more demand comes up for you unless you choose to be single and like what they say stingy before you could be able to do away with much expenses and people not looking your way.

I agree with you 100 percent on this matter the youth spend much and without looking back or hoping for the future, this has become their lifestyle because of the less responsibility but those married people men and women they behave well because they have lots of responsibility on them to handle, no time for such all on how to keep the family going and planning for a better future for their kids.

[Jay-Jay247]

Greetings to everyone
Honestly speaking, I find this article and all the comments interesting because there's a lot to learn from this post and those who're not thinking straight will read through and ignore the details.

[Emmanuel1]

Actually,January is a month where people complained that is a hard month because of the spending from the December celebration, but to me January have never been a hard month because of planning. Because there is a saying that said, when you fail to plan, you are planning to fail. Let me drop one important idea on this;
*Good planning system: I mean not just planning but good planning system, because somebody can plan and the planning system is not good it will still fail, because if you put everything in planning, you and your family will live a better life entry the New Year.

[Mr. Allcrypto]

My brother spending na something wey you go jeed to do as a human being to meet up with your needs and wants, but most people dey spend lavishly and them no even get budget. Thanks for this topic, we fit apply the method for the remaining months of the year too, no be for only January...

[Penlex_Writer]

The topic sounded funny to me because every month is as difficult as January. Without prudence in your finance you will face challenges every month. The only reason why people believe that January is tough is because most individuals are carried away by Christmas fun and then spend more than necessary which leaves them with nothing by January
as the OP mention and as a salary earner, you will have to wait till January ending to earn. So, what the OP has said is not important in January alone but should be part of our month to month living.

[Darker45]

My brother spending na something wey you go jeed to do as a human being to meet up with your needs and wants, but most people dey spend lavishly and them no even get budget. Thanks for this topic, we fit apply the method for the remaining months of the year too, no be for only January...

I prefer to tell your sister not to spend too much money on something that may not be very important. Try to suggest saving money and collecting as much as possible because the economic conditions in our country are not good, so you have to be prepared for something bad that may come.