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My country people good evening, today I want talk about how we fit manage ourselves/finance during this hard times.
See my country people, dy way tins cost now, if you dy still eat three times in a day, just know say you dy more bless more than you think. I wan tell ona one secret of how to manage our money, See we know say wetin dy really consume our money for this life na food, so the best tin to do na, if you be family man for example, try to buy enough food keep for house, like 100k from garri to rice, beans, provisions and any food wey you know say ona dy always eat for the house,  see, apart from food, you go hardly spend money, try this tin I dy tlk now, buy enough food even though e dy surplus keep for house, and once you know say food dy house, ur mind go rest, during the cause of that month, you go observe say you go spend less and if na family wey no get too much stunch men for eating, the food go stay up to 2months, just try an see.

Yes, but what about transport? The astronomical cost of transport fares today. You know, as human bengs, we need to move from place-to-place — from our homes to our place of work, or to the market place, or to our place of worship, or even to go visit family. If you consider all those constraints, you'll see that transportation is a big gobbler of our monthly income.

Op the idea no bad oo, but what If the person no get that kind amount to buy food in bulk keep for house, I no say all those retail small small buy them dey sabi chop our money well well, but most times due to the kind hand work wey we dey do, the money no dey come that big to take do this thing wey you talk so. I no dey like recommend anybody to go take loan take do anything for this life except na life and death matter. Anyway to learn how to economize for this kind period na one thing wey go help your money last. Like to avoid buying junk foods and too much of snacks go help save your money small.

Normally food na one of the major something wey dey comot money for man pocket because people dey eat everyday and this thing come be like say na where our money dey always go. Another thing wey dey chop man money like fire na woman, make we try limit they wey we dey chase girls. Any person wey be womanizer no fit save money that's just the simple truth. Married men stay with your wife and family. Single brothers look for one girl and stay with her but if you are earning money just get married. This will save you lots of money.

You no dey actually wrong my brother … na who don chop dey get Strenght to do any other thing…
But the best is to try adjust the way you spend…. Spending money is inevitable but how you spend it matters a lot….. some kind of times… u fit trek sef instead of to enter cab if the place no far … spend on the needful and not the “wantful”😂

Foods are essential commodities that humans can not do without. Number one priority why we get to hustle is to keep foods on the table. The hardship in the country has caused cutting of costs to the livings for most Nigerians that instead of advancing with a comfortable living rate,  we are alternated with no choice but to conditionally accept whatever life presents us likely slavery nature and the government whom are in control of the economical situations are consciencelessly relaxed over it while the masses are left astray.

However, if we must manage our financial, we should should spend carefully remembering tomorrow is another day requiring financial transactions if we must continue to afford our essential needs with the way nature of the hardship in the country.

I would advice you don't overload yourself with excessive food stocks as the OP suggested rather a wise economical expenditures with the relativities that tomorrow is another day is intolerable so other pleasury and materialistics liabilities should be considered irreverent to be cut off so you could minimize your expenses.

My brother no be lie you talk because me I dey think say splitting the money small small until the week finish na be the better way to save but my brother everything change as I observe say even before the month go finish I don first spend like 100k sef and the spending go still continue but if na the method wey you talk then this for help well well because even as the month for elapse person for fit get enough food stuffs to take follow up with next month small thereby reducing the expenditure small.

This post no too dey useful and the topic no too align with the content. I rush here because I want to know how to manage myself for this hard time just to see the post about buying food in bulk. Although you are making some sense but we need to discuss better than this.

Nevertheless, this post remind me of when I was in school back then. My father dey always tell me to have food in excess and even if I no get money for pocket, I won't worrying too much since food is the major challenge of a student. But the truth is buying food with that amount is not ideal especially if you are still struggling. In short, where you go see that kind money from in the first place? With the situation of this country now, if you get that kind money to buy food stuff it means the hardship no near your side.

However, life is not always about eating food. There's more to life than just having excess food at home. I understand your point too but what I am saying is that you don't need to buy plenty food to survive the hardship. What you need is proper planning. With that 100k, it's enough to start some small scale business in some areas for this country. Buy a reasonable amount of food that will sustain you for a week and engage the rest of the money into something better. If the thing work for you my brother, you can not lack what to eat and the money go dey increase low key.

If you no plan well, you go still suffer when the food finish but if you manage your asset well ehh before the small food wey you buy go finish, you go dey top am with small things wey dey increase on top the rest of the money wey you invest into something. When I say invest the money into something, I'm talking about crypto trading yet ooo you can do crypto investment when things clear small but right now focus on physical business wey go fetch you some profit. Crypto na long time investment and you need to dey well to tolerate risk before investing in it.

Dis your idea na very popular idea wey many of us know and don dey use to am for some time now. The disadvantage of using this type of your method na money still and if you no get that money to stock up food for house na him be say you no go fit still adopt this method and your idea will not come to live. Economy is not smiling and the people are not also smiling, people are not compatible with the state of affairs of the country but they just have to always look for a way survive. Dis are really hard times and the average Nigerian is regarded amongst the poor people today wit how worse the economy has become unbearable for average Nigerians in the country.

To buy things for bulk nah the best thing to do, if you check am well aside from say rich people they buy and chop Watin them need the average and the people way fall for the category of poor people Nia really they spend pass for food stock and other things way dem dy buy small small, when you wan buy something for bulk nah simi wholesale to retail price them go carry sell give u way wan buy for bulk but who they buy 1 one they feel say eh dy spend small today not knowing say when you calculate all you don really spend Watin you no suppose spend at the end of the day.

Things hard diz period and anything way we fit afford to to manage man need use am spend am wisely and another thing way I also feel say they make people experience hard time pass the other nah say dem they too much spend for there wants way suppose no dy necessary than there needs way dem suppose take very serious.

Food is among the first thing wey take dey finish our money, for this life our first priority is food, you see that buying enough food stuff for house go help us to save our money? If person dey buy food stuff keep for house like 100k we cannot call the person as a poor again, some family man wey this country no favor, if they hold 100k like this they will be thinking on how to solve the other family problems, anybody wey they buy foods stuff for house like one months, we no fit include them among the poor people, with the way things cost for this country only strong people can survive from this hard economy. This your advise is not for the poor men, anybody wey still they eat like three times a day make him know say God don bless am already.

Even as a family man you go feel like like eating something outside the house, no be everytime person go like to they chop for house, because one day e go tired you, this country make we just pray on how to survive, because everything don they get out of the hand already, we just dey spend more and more everyday.

The cost of profitable things and goods just make everything for naija to get worst, life con be like hell to live, managing life now nah under probability nah just god go help us.
And the government are not doing anything about it, because of this management everybody just dey mindful of their pockets, managing of food, people dey manage food, source of living choke now...just like what our brother says, in case you are eating three times a day you should bless god for it because is not easy to survive in this hardship time.

A little way one can manage his/her self during this hard time one is by accepting the situation.
Accepting your situation, on the other hand, can free you up to devote your energy to the things that you do have control over. Focus on things within your control. Make a list of all the things you can't control and give yourself permission to stop worrying about them.
In our dear country Nigeria that rate at which things are adding money and decreasing in value is alrming particularly commodity and one thing is for sure man must wak, if you are a low income earner if you and your family use to consume a custard of garri u can try to reduce it to half in other to meet up other need, also reduce your rate expenditure, if you eat three times a day you can displine yourself  so it can be part of you by eating twice till things start getting better.
Also reduce clubbing gambling and womanizing.

With all Said and done, OP, you forgot to talk about how we could minimize unnecessary expenses such as spending on pleasures.
A bottle of beer previously sold @ #400-#500 is now sold @ #1000-#1200.
A stick of cigarette that was usually sold @ #15-#20 is now sold at #50.
I don't want to talk about the assorted expensive contrabanded stuffs guys takes but my opinion to all of these is that the hardship of now should be an eyeopener for the aspirations of reducing unnecessary expenditures with the fact that it doesn't contribute to our good health, doesn't profer us with incomes neither does it satisfy our starvation for food or tasty of water.

Sincerely, the hike of goods and the high rate for cost of living in the country is alarming and Worth cutting off our costs.

I love your advice but what you should consider is how much you earn, before you will be talking about #100k food. We have different dimensions of work we do, and all has its own amount paid per month, you know in this country things is hard and it's even difficult for a common man to see a work of #50k per month, the other works are even lesser than the average #50k or let me put it that In Nigeria people with the salary range of #50k below is %70. that is to tell you that it is very hard for you to buy that amount of food stuff. except what you mean is those people whom are working in a higher paying jobs. You can't spend almost what you earn in the name of food. Instead of that you should learn how to minimise you expenditure by buying less and save more otherwise you will be working for food all the time. I have woman and I know how they behave. When your woman sees you buy things in surplus she and her children will be misusing what you spend your hard earn money to buy. Sometimes they will eat a little a throw the rest to the bin because they don't know what it took you.

What you should do is to divide the money in to 3part, give her #50for food stuff and maybe later you give her 20k to hold and save 30kfor yourself as the man. anytime she ask of money you will give her condition on how to discipline her way of expenses and give her small from the #30k she will be careful and you will not spend from your original savings. Because women are to trickish. If you don't do it that way she will not buy #100k goods and she will still be asking from you after you have spend #100k given to her. The country is getting harder so you must be able to adapt to the system by reducing you way of expenses.

My brother I get where you dey go but you no present your matter well well, the thing na make the point wey you dey try to raise taste somehow. You no sabi say na person wey get money dey talk of that food self. You dey suggest person to carry 100k go buy rice and beans keep for house, so after that one nko? Na there the thing finish? Abi na the advise be that?

I dey think say you want bring better ogbonge advise for men wey dey even receive 50k as salary on how dem go carry manage am run their family if that is possible in this country now. Abi you no know say some family dey run on 70k for month, some na on loan.... And you dey talk of 100k to buy food stuff, that one na big men package na. Omo the country dey red and to manage 100k for family no be easy thing.

Normally na true talk, but nah person get money enough nah fit do wetin you talk, because, people dey wey no fit store food keep because them no get money, and the cost of things dey really increase day by day

As long as God wey dey for heaven is concern we can survive even before we gain independent as Nigeria many of our 4 fathers survive through out the hard time both laves and war people still survives and truth be told that this is not so hard compared to time of slavery, so we can survive all the hardship but by God grace we eventually come out from the hardship our country is, we will always thank God because as it is now the hope of everyone is gone that this country will be clean again, but we are humans and we must always have hope in everything because without hope it means one don't have plans for him or her sef in future.

Your ideal need to be reason, But still na matter of money person wey never see food chop asatisfy say Make him go buy food stoked for store. And again even that we Men's are plan to manage our money since we aware that waiting they chop our money  is food, and not all women's know how to manage the food for house, because the they see the food that's how they will used they without any control. That's why not all men's want to be buy food and keep for house store, if not the ideal is very important for men's, especially like civil servants who are collecting the salary once in a month this your method can really help them. Them said better thing na money killed am all this matter is about money where their no money it can't be possible, it can only possibly for reach people's not the poor once and they wey country is even going on currently now wey everything just they increased and the leaders overlooked without taking any action.

Op no be lie you talk, omo the hardship for Naija choke na God go help us.This strategy wey you just cap as an escape way to take survive for this hard time na wetin we dey do for our house.For our house we dey buy the food stuff in bulk like rice,beans,garri and beverages,as we don buy all the necessary food stuff in bulk e go take us till the next month and the money wey remain dey go for other things like transportation fee,for diesel and electricity bills and other minor expenses.So na better idea u bring come the table,dis strategy wey you just yan go really help the family men if them apply to the strategy.

Yes oo things dey very expensive for this our country, everything dey increase every day, person fit carry money go market buy something come back for house dey think say em don loss money for market because if you look the bag wey you carry come back from market you no go see anything compared to the money wey you carry comot for house.
The only way to help yourself for this kind hard economy for this our country na to buy your things in bulk especially food stuffs, na food stuffs be number one because na person wey see food chop dey remember to wear new clothes, make new hair, if worse comes to worse you go barb hair still dey ok.
So once you don buy plenty food stuffs keep for house wey go fit last for 1-2 months, the matter go easy for you oo.

The hardship that people currently going through now is beyond what their mouths can speak that is how high it has been, and I don't think in this situation God will help us we are the one to help ourselves if we don't take this matter seriously then we can solve this whole madness. because if we don't our future is at stake, because anytime there is time go to the market to make enquirers about the prices of goods then that way we will all understand this is not on our favor at all,  and there ways that the government can control this situation and it is not has if they donty know what to do they know.

But all this is part of manipulation if not we have our currency then why is much value given to the dollar even if you want to do anything duty either custom or anything the government will charge you in dollar when we have our ow n currency, does are one of the thing that is leading to this hardship and another thing is that how many of our local products do we consumes, most of the products we consumes are foreign and we just have so many things to adjust in this country.

All idea na idea but na person wey get enough money d buy foodstuff wia em plenty keep am for em house. Most families no get plenty money to save up to begin to buy better consumable foodstuff keep for their house. What they normally do, na to buy the little one wey dem go fit afford for that day, other days dem go d manage themselves by eating ones in a day or twice.

Times are really hard for the country, no better job or opportunity dey for the country. Everybody just d cut their coat according to their size based on spending. Na peso wey to eat to survive go get story to tell the next day. We go d survive this mega-pro-hardship

Omo e no easy for anybody this time o, to manage things time dey very very hard, now to be to dey do only one work o because naira no get value again o plus things wey too cost too even transport self cost imagine you come still get small work but you dey pay transport dey go work everyday, if you calculate the money then dey pay for month end, calculate the money you dey use for transport, you go see say nothing dey for money and debt go still full for person body, but if you dey do work come still get side work, e go really help us for many things because na so I dey do o if not I for die since o but with like that and God, I still dey for the land of living and this time no be time to dey chop chop too much o except say you dey get am clear that is you dey see better funds steady

What you just talked about is not secret of managing money, as a family person, if you get money the first thing wey go come your mind na to buy food stuffs for house, then you go fit use the remaining money run other things wey u need. I dey expect say make you post one magic wey person fit dey do so that you no go too dey spend for dis country. Make I no lie, you no fit dey dis country wey u no go spend, things are really expensive, and if you carry small money enter market, you no go see better thing buy with the money.

Na food dey always be the main problem, but even after you don buy food for house, some basic bills dey wey u go need take care of so no be say if food don commot other problems no go dey ooo, just that na belle be number one.

me I no see anything wey you mention for here wey go help people for this country, because there is no way you will in these country and say you wont spend alot of money on things especially food stuffs these 100K wey you mention na small money in these country as things be now because if you carry 100k enter market na only small thing you go commot with so no reason am say. and again wetin you talk say the food for 100k go carry the family reach 2 months e be like say they no go too chop bedat but as long as they go chop how much is 100; food for Naija now, e no go carry them go anywhere.

Na good idea be this ooo. At least person fit mange himself for especially this period for Nigeria. The way food stuffs don cost. Retailing no go help ooo. Specially if u get big family I think na good possible plan u bring come

Your idea is not really a bad one but did you also know that 70 percentage of Nigeria household family bearly eat two square meal per day? talk more of buying food stuffs in large quantity at a time considering the high cost of things in the market now. Let me also add this to it one other important way one can manage his or her self during this hard time is to stay away from trouble, crime etc that will make you spend money unnecessarily because the money you will use to settle dispute can go a long way when it is been use to buy foodstuffs for your family.

For anyone to survive this time, you must plan how to spend with caution, lavishing lifestyle should stop because it won't lead anyone any where instead if we have source investing little will be a good one.
But in reality Nigerian are really facing hard times, about majority number of Nigerian barely feed well, this calls for concern, we are in country that doesn't have much food, sometimes something use to my mind like what if I don't have food to eat like some people, at this point I think what we should be doing is to do the little we can to help people around us that are in need of our help, the hardship is really telling on Nigerians, our problem can only be solved by our maker.

Okay the way person fit take mange himself for this kind hard time depends on the kind responsibility wey the person dey into if Na family man, no management because the only way a family man can manage during hard time Na if him no born plenty children and him need to change the eating times table if the family dey eat three times a day go reduce to two and if you dey flex life before  you go stop am

This is a very good idea and it's almost know to all but the country has made this somehow difficult as well. How easy do you think it is to save 100k as a trader, even how much is our minimum wage as government workers. That 100k is more like 3 months salary for some people. The money isn't circulating as usual. This is what has made the case of inflation more worse in the country.

Well, I dey manage myself by chopping small small even now self I no know wetin be my favorite food because I dey chop anything wey I see, any eatable I don chop, as far say na food wey dey enter inside mouth, I don chop. Oyibo say cut your cloth according to your size, so na wetin I dey do now, as everything don cost like this now, I no dey get greed eye again make I also see who go follow help me in terms if things dey too hard for me, another na sleep because for me the way this country be now, everything don turn upside down, person need to relax e mind and brain if not person fit die

I believe say dis hardship don teach people many things dat is making them to use every opportunity dey get to use it wisely to buy huge amount of food items dat will last them for long before dey will think of buying another food items again, which is d best strategy to manage in dis new hardship.

But to get dat kind amount of money u mentioned here in dis season, it will dey hard to get such money and before u go see family or person wey go carry #100k go market to buy plenty food items, maybe d person can b civil servants or bitcoiners which are d type of people dat can use such huge money to buy food items at once.

 OP for all dis things wey you count,#100k no go fit buy them o, because a every hour market dey increase.

  The tin be say make you buy food wey the family always dey eat,and no dey go buy tins wey you  no wan use immediately,use your money wisely.

 Watin you talk make sense but 100k no-go fit stuck up for family well cause half bag of rice alone na 45k least, grandnut oil for a month go be like 10k, two rubber of custard beans na 10k lol money don finish 😆😁 and the worst part be say many families no get up to 100k income a month.

Adequate planning against ones actual income is the key for surviving in this present economy. This is because presently, our money just dey sound big for mouth but worth nothing in the market. If adequate planning and budgeting no dey, one will just end up buying unimportant things living behind the important one as most times this days our earnings hardly go far before we spend it finish.

Omo my brother, now ehnn no matter how u spend wisely money go still finish, price of everything dey on a high, I remember fees years back wey be say anytime I no get money I dey fall back to bread and coke to cool my self for the main time, but now bread and coke no be poor man food again, you carry money go market you no go see waiting u use money buy, as long as the standard of living they low with continuous increase in price of commodities in the country Na this kind things we go dey see, to get this right the government gats go back to the drawing board, regulate the prices of things themselves, improve the standard of living for citizens, if not hardship go be our neighbour.

Op this idea it will be better one create some percentage of one food spending due small scale farming to to those food items if you can farm you pay labour because the way this is going in our economy even hundred k food by your next market it will afford the quantity you previously buy in that prize.

This method can be helpful but it can work better when the money is there, for me best is to cultivate for I know the value of practicing small scale it gives you more confidence in cutting down expenses even more than stockpiling food and and another benefits you eat more of natural products directly produce by you, example cassava is commonly produce almost all parts in Nigeria you paid some one to farm it for you.

To be able to manage tough times in a country like Nigeria,you need to have adaptability, community service.
Stay informed and stay postive and a lot more.

I feel wetin you talk so na good point. E dey true say no be everybody fit afford to save money by buying in bulk. And wetin you say about economy of consumption na important point. For real, na better idea to manage the way we dey spend our money, both for small things like snacks and for big things like house rent, transport, school fees, and other needs.
High cost of living no be easy matter, but na necessary to learn how to survive and make e no affect us too much. In addition to economy of consumption, e still dey  important make people get right knowledge on managing their personal finance and getting the best deals possible. E dey important make people know wetin things dey cost, how to compare prices, and how to know when dem dey overpay for things. E also dey necessary make people know their rights as consumers, and how to report businesses wey no dey do the right thing.

Omo to be able to manage yourself you need to have management lifestyle and to adjust way of living by cutting down expenditure and differentiating between wants and need.

Na advice you give so, but no be every body wey dey capable to dey buy thigns in bulk, so them no get choice than to buy in bits so at least them fit chop, and it's not quite easy to save up to buy food stuff cause even daily expenses no go gree you, the only way this plan go work na for person wey dey earn areas up to 200k monthly wey go fit sacrifice that amount buy thigns in bulk and if you sabi bag of rice now na 89k, so no be small moni be that and buying things in bulk no be easy task as it seems, this you idea go work better for people wey dey eaen much.

Omo, to manage for this hard times no easy o, especially of person just dey get only one source of income, hunger and suffering go just kill person before person go even received payment and person go just dey like say person no dey work, so e good person make person get plenty work to do because at times, people wey we dey work for fit dey delay our payment whether online or offline, dem fit delay payment due to one thing or the other, so if we get like two or three work, e fit dey manageable and e go really saves us from a lot of problems or save us from some kind pressure like emergency billings dem etc, infact na just God dey help us for this kind hard times, even if we get plenty works, some kind things go still dey happen except say God intervene.

We go manage, na baba GOD de run am no be man because if na man, we for don die since. God go help us, make we first gather money get and understand ourselves, make we de shoot back to back. I don suffer for this country no be today. However man no be story teller, we go just continue to de hustle because what's coming is better than what's already gone. We go just dey pray for better days and make sure to used better means to know the specific measures to implement.

Hard time be like economicing time, as some of una talk mostly waiting dey chop us most na food and most of us no know when to dey spend money much. Like some of us income no be big income and before you go buy some few things you done run down so the only way na to buy things way your hand and your income fit afford at that moment.

And most of us no know how to manage some go get but them go decide to waste them, some go dish food way dey no fit finish by the end of the day you go wast the remaining ones but why. So for hard times like this make we dey plan our self and try to manage our income and not spend unnecessary money with waiting no dey useful at the moment, and things now dear for this Nigerian we dey now some people dey try there best but some done born more than 5 children for house and no better work for the man. So waiting I dey try talk be say during hard time let's avoid some activities way we dey normally dey do when everywhere been dey normally, and make we no waste the once we fit afford before we try to get another one let's try to manage our incomes accordingly.