STAND ALONE NARRATIVE
MONTHLY UPKEEP BROUHAHA
Hi Stella,good day...greetings to all sdk family.
I have this issue bothering me about my family finance.....hubby receives about 350k plus every month and we have a son of 2yrs....for a long time it seems the entire money gets finished month in n month out....
I have a business I am running but saving as much as I can so we don’t touch the money...d annoying part is that we don’t even take ourselves out for treats....I have a list of how monthly expenses go but lately hubby complains n it seems like I don't have saving culture or something,but then we follow a list every month. Please help me and advise please,we intend to start building and this whole expenses thing is disturbing me too much.......
Below is the monthly breakdown....and yes he gives me upkeep money even though I am running a business.Please help me post where its deem fit,I am tired of thinking.Thanks Stella
*90k for diapers?Madam,it is time to start trying to get your kid off diapers..I succeeded in getting my Bambinos off diapers at 2....Start trying please...
What do you mean by baby food?..what does your baby eat that is so expensive?
So these things you buy ,do they finish and you have to buy same things again the next month?What does upkeep money for you mean?To make your hair and all?Do you spend all every month?
I believe that you can save money out of these amount and i think its good that you have a list but dont you get these things cheaper sometimes?I really dont know how to advice you but try usingi half of the money to run the house for a month without telling him and seeing how it goes......
As for building,if you guys dont have bulk money to build what are you doing?causing stress!!!
*90k diapers was an error ..
*90k diapers was an error ..
See list of a Banana island wife, you never ready!
ReplyDeleteDear poster, this is too much for a month. 2 adults and a 2 year old live in my house and we don't spend this much. Otipoju!
DeletePotty train your kid
Feed your kid the food you eat
12k for pando yam?????? How many kgs?
5k beverage? You guys must eat alot oooo!
Omo 4500? What are you washing please?
I think you can save more too. And thank you for posting cos I learnt something for me too.
Lool
DeleteMadam you are not serious, 90000 for diapers? 35000 for feeding a 2year old? What is he eating? You are behaving like I was when I had just one child, I was using huggies that was 20000 for a pack, and cemelac etc, down to his snacks everything was over priced, nobody told me to change format when I had the second and she was one.
DeleteAunty you can use angel diapers which is also good, you can use peak123 for his milk,just cut down hunny cut down so you can even save for yourself.
Your son is two so why is he still using it, he can wear just at nights then you potty train during the day.
Do you eat yam everyday? Why 5000? For just two people?
So are you trying to say with 350k you can not raise a second child? Reduce your standard of living so you can save to build your own house, and enjoy much later.
Tissue, 1k a month? Toothpaste 1k? Even if u are using sensodyne.
DeletePoster, you need to cut off some things.
Don't buy from supermarkets, look for wholesale sellers and buy from them.
I just recalculated and mehn, and even though it's 9000 for diapers, it's still to much, a 2year old should be eating what you are eating, just a little cereals here and there, introduce pap too, I still have a problem with your yam and even the detergent, I think you should get a job and start contributing so that your hubby can save, you need to save for the future abeg. Yes you are wasteful.
DeleteThis woman sef I hope this is not how you write list and show your friends and open your yansh outside. Then they start envying you cos their hubby don't even give them half. You need to be wise as a married woman,handle something's yourself. Finances is a dicey thing. Things you can't handle you must have a mother/aunty/senior sister.
DeleteSee how people are finishing you. You asked for it anything.
If your baby's food is 35k a month, then who eats the noodles, plantain and eggs?
DeleteYam 5000?
My dear poster, you really need to cut down.
DIapers/wipes is 9k not 90k read well pls
DeleteThis people must be thick o! see how they love carbohydrates! lol yam and poundo on separate budget
DeleteNa woah oh,how many people stays with you? That your expense is damn to much now. We are 4 presently in my house and i use just 100k and still have change. Learn to do bulk buying. Go to markets where you can get wholesale goods. You have just one child oh,sch fees have not started yet.
DeletePlease I will like to understand the différence between stock fish / crayfish/ dry fish and then you have soup and stew below. Also you need to start shopping from open market for both Toilettries and edibles. Do you both actually finish all that every month? Somethings should be leftover to reduce expenses the following Month. Does your man eat a lot? In between all of these, there’s wastefulness.
DeletePlease help him Nne. I believe you can do it before financial BP take over .
The 350k your hubby is earning looks like 350million to you that is why just 2 of you consume 5k yam a month.
DeleteAside weekend, your hubby eats once/twice a day if he takes food to work. Abeg who dey eat the other food?
What kind of business are you even doing that you can't potty train your child? Use water to wash your child at home. Wipes should be for only outings.
As it is your husband doesn't have savings. He struggles to pay rent and other bills I guess.
Building a house is out of it now. Learn how to manage first.
How do u buy all these things every month and finish it the same month biko? U guys are just 3 nd u buy this much? My mum sends us money nd i and my 3 other siblings stay home nd feed on 60k monthly,i dont joke with my list,i buy more than all these u buy,what kind of crayfish are u buyin for 2k? A derica of crayfish is 600,if u price more u wuld get 500..what poundo yam are u eating that u are spending 12k for?? Yam 5k?? I buy 4 pieces of yam correct yam o nd i pay 2500 for it,thats when yam is in season,madamenter market every month nd buy ur food stuffs and u would save alot of money..This is too much and u are just wasting money,u need to sit nd reevaluate ur spending..I just dey vex as i see all what u wrote with the prices ah ah
DeleteSo the balance 100k plus is where school fees,rent,hubby's upkeep,nepa bill.......
DeleteWetin you dey cook with 2k crayfish Every month. The Last crayfish I bought was 2k and I bought it like August last year and it's still remaining.
DeleteMadam pls cut down, my boy is same age with your baby, he eats everything, no diaper. I only wake at night twice to take him out so he can pee.
DeletePls cut down on that baby food. As for diaper you can be doing nights alone till you train him on how to pee at nights.
Look for wholesale shops and buy things from, their prices are not outrageous.
At 350k you guys should be able to save. That your upkeep you can still save little from it.
Pls apply wisdom.
The hubby sent this in to expose his wife joooorrrr .
DeleteAnon 20:48 I believe you are right. This list looks like something the husband could have written.
DeleteNo one even observed that there is no pepper( tomatoes, rodo, tatashe), there is no onions. Or oil or palmoil or seasoning.
DeleteYou are a wasteful woman, you will kill your husband soon , so every month you buy toothpaste ,hmmm ,well done you hear ,
ReplyDeleteVery wasteful.. I am a man and a spend thrift but I can't buy detergent for 4500. Wetin I deem wash for a whole month abeg?
DeleteTissue paper 1000 naira. Which kind yansch una de clean abeg. Water no de to use wash yansch after una sheet? I understand women still use tissue to clean after using water but then tissue na 50 naira na. OK buy 10 of it, 500 naira.
Gosh, I appreciate my wife now.
Madam, please what kind of detergent do you buy for ₦4,500.. please, cut down on this poundo yam after buying raw yam...Nne, more children are coming..School runs ,₦20k every month! 🙄.Na Uber ride🤷
DeleteAn non 15.32, even a pack of 6tissue is 350. I tire for this woman.
DeleteHer problem is where she is buying from.
DeleteI guess she buys from supermarkets. Madam your expenses is damn to much kilode. What kind of detergent 4k5 monthly toothpaste monthly na wow. Try and cut down please don't send your husband to an early grave. We where able to save and build with hubby's 350k monthly. Your baby is 2 and should start on natural foods same as you eat.
Delete@ anon 15:32 Rose tissue is 300/350 for 6 pieces x 18(3 mini bags of 6) is 900/1,050 depending on the shop in Balogun. 1k for tissue for 1000 ain’t much tho Mine lasts for 8-10weeks.
DeleteShe really needs to help her husband live longer because that list up there is scary.
Madam B even if na shoprite or any other supermarket the price difference is not much. She is wasteful. Wetin she dey wash?
DeleteOloriburuku......
ReplyDeleteChai! Man dey suffer sha!!
What exactly is the curse for? I’m sure you have your own problems but instead of facing it you are here cursing for no reason. Be civil pls!
Deletewhy so harsh on her?
DeleteYou can enter your comment without being insultive.
Hanhan.........oloriburuku bi ti bawo? E never reach that na
DeleteI didn't mean it like an abuse. I only gbaduned the pronounciation hence the usage!
DeleteIt the price the poster's husband has to pay for marrying a slay queen!
King29 you are a retard. Cant you read? she needs counsel that's why she came here and went as far as showing us the list. Damn you for being judgmental and a goat. You would do worse as a woman and even worst as a man. Who told you she is a slay queen. Wicked person that you are. Jealous zombie. Say your piece and go else freeze your fingers in your cold mouth. This blog remains for mature people and not dummies.
DeleteSister Stella,I saw 9000 for diapers not 90000..and 9000 isn’t bad for diapers in a month,where did you see 90k please??!
ReplyDelete9000# for a 2-year old is much biko. He should have stopped using by now and if not it should have been reduced. The baby should be eating more of adult food by now and the baby food should be like a supplement... speaking from experience
DeleteYou can still cut down, Stella baby food is 9k not 90k.
ReplyDeleteOsheey...slay queen wife.
DeleteI opened my mouth reading this:
ReplyDeleteYou spend more than 50% of your money for the house; poundo 12k is too much for the house; eggs: 2400 and that is like two crates of eggs in a month( i don't know your eating habits though)- if this will only mean portion control, it will go a long way to reduce your living expenses or how do you intend paying rent with this or start building? This is way too much madam
Its sad really. Savings and rent wasn't even there. Fear catch me sef as i see the list.
DeleteThe list is one in town, they can eat sha anh anh, 12k pounded yam, they way they eat yam isn't even healthy.
DeleteI can imagine how the husband struggles to pay rent and other bills.
DeleteBaby food 35k and diapers/wipes 9k is all I see... Your baby is 2years already, why still give him food of 35k? What do I know sef
ReplyDeleteU did not see detergent #4500...even dry cleaners dont use dat much in a month
DeleteRainbow I saw it oh😂😂😂
DeleteLemme ask Sky.
DeleteMa'am una no dey chop rice,no beans?the list is not complete niyen o..for naija no rice arrrh that's suppose to be the no1 list na.
DeleteMa'am Stella it's 9k for diapers 😂. Had to zoom in on the list
ReplyDeleteAfter 5k yam, then 12k poundo yam again! Lol. Karma be visiting niggas who dumped real women for slay queens.
DeleteWhy is her husband complaining? He cant eat his cake and have it. Now he has married an air head with zero managerial skill.
I have 2 kids, and I buy sunlight of 400(4 in 1). I buy twice a month. That's 800. Mind you my husband earns 300 and I earn 150.
DeleteMadam, better use your head.
And my baby started School at a year and 4month cos I work. She didn't go to school with diaper for once, cos she could signal when she wanted to wee. I only wore her diaper at night, and even stopped totally when she clocked 2... Mind you, when she started School, she started taking whatever I gave her older brother.. She's almost 5 now
DeletePoster if you stay in abuja i can take you to market where you can buy in wholesale prices.
DeletePoster from your write up, you guys are 3 in number.
ReplyDeleteI wan ask, na only yam una dey chop for house wey go make una chop #5,000 yam in one month?
no wonder una fit use #1,000 tissue and your baby #9,000 diapers.
how many teeth do you people brush with #1,000 paste a month?
abeg your husband has every right to complain because your management skill is 0%.
Your own is yqm. Na 12k poundo yam weak me pass
DeleteAfter she eat yam, poundo and eggs she gats wash her teeth with royal toothpaste
DeleteI follow you tire...last last na still malnourishment..you forgot to mention...yam 5000 and ppundo yam 12000..so if husband want to eat wheat na another 12000...
DeleteWhat's a 2 year old doing with 35k food?
By now she should be adding normal stable foods...
Omo na 4500....shuuuu..she dey drink am?
Her husband receives 350k monthly and she succeeds in taking out 208k..biko...how can he build ? What does he have to save let alone build ? He has to see cater to his parents and possibly her family members too.
Madam..include 40k for her upkeep ..what does she use the 40k for...only hair and makeup?
Madam says she has a bussiness and is struggling to save from the bussiness..shuuu..madam you no dey make profit for ya bussiness? Why are you struggling to save from your bussiness ..when oga has taken care of everything including your upkeep money? Madam. You should be saving easily from your bussiness..
I put it to you poster, you are struggling to save from your bussiness because evident from this list you have a terrible management skill when it comes to finances hence your bussiness is making you struggle to save...
Your husband has every right to complain..the 90k for Pampers is some families monthly salary and they are sending their kids to the university..
hahahhaaaa..... kuku kee pelzin
DeleteI don laugh taya, thank God i am not in a public place, help me ask them o.
DeleteHahahahahahha
DeleteChike kuku kee me, see me laughing and tears coming out from my eye.
she just needs managerial skills
Get a copy of Rich dad,poor dad by Robert T.Kiyosaki;read it well and thank me later
ReplyDeleteWhat type of baby food is your son eating madam
ReplyDeleteToothpaste
1000 haaaa🤣 1k to buy toothpaste
Omo #4500 per month , #blood of Zachariah
I pray u won't know poverty
U are leaving in affluence
Cut down the diaper
Start giving the boy food real food that adult eat
U can do golden morn for him
Biko your hubby is right
I get 23k monthky n my daughter gets 8k
My hair do 3k
From this I saved and got myself a washine machine, my target next is a deeper deep freezer,
I go to cold room to share fish, I share basket of tomatoes, I share these things, and get more quantity for less, madam the ball is in your court
You are a wise woman
DeleteYou buy 5000 naira yam every month for 2 people and still use 12000 for poundo? This list should be for a family of 5 not both of you and a 2 year old baby. The beverages , I don't get, sorry o, but this list is outrageous.
ReplyDeleteAnd yet no fruits in that list...no cookies.. no soft drinks....she no try....she should go back to the drawing board and organize her financial life ..biko
DeleteNo rice or beans on that list or animals for protein
DeleteSeriously! Like you guys don't eat beans, spag, rice etc.. Onl yam and poundo??
DeleteMadam, please save the money for your upkeep at least! Since you do business, manage and take care of yourself from your business. Abi wetin you dey do with 40k every month?
Be wise
Introduce your son to family food so you can cut down on baby food.
ReplyDeleteWear diaper for him at night, he should be potty trained.
208,900 out of 350,000 is a lot ma.
Your husband still have his own expense and there is rent, school fees etc.
I am sure someone will take their time to cut down that list for you.
Madam, this too much for a family of 3. Yam 5,000, then poundo yam 12,000. Omo 4500. It is either you are not getting the value for your money at the market. The things up there should last 2 months. Baby wipes and diaper. One economy pack should be enough for the child, or 3 for two months. I think you just need to get your money at the market.
ReplyDeleteMennnn!!!! this is much oh for the upkeep ohhhh,u want your husband to run away for you woman cut those things is tooo much for your husband salary.
ReplyDeleteJust cut your coat according to your cloth, this list might be chicken change to some, it might be a lot to some, with this list, it husband salary won't be enough for a month...I know some who dole out 20k every week for baby food alone, so adjust to what u guys earn.
ReplyDeleteSDk I think the diaper says 9k.
ReplyDeleteMeanwhile with these expenses in a month, you can't build house oo, because the man never send money to his people, he never buy anything for himself etc, so like yiu said the money finishes month in and out. (Living from paycheck to paycheck).
What kind of baby food is 35k? and I don't even think the bill is finished, because I no see nepa bill, house rent (if any).
You need to start buying things in bulk. Scratch that baby food, feed him/her the food you eat and save money.
When I and my sisters them been dey small,my mama been use napkins o. Like 5 napkins, empty am wash am reuse am.
ReplyDeleteMy Naija ladies these days dey lazy too much.
Okay after all these things wey you list there, he come give you upkeep money of 40k, wetin you come dey use am do -weaveon, fake nails, eyelash feathers?
Madam, cut down ya coat cloth, some graduate husbands no dey end 90k wey you dey carry buy only diapers!
The list is moderate exception of the baby food at 35k every month, this is damn too much. Madam also cut the DSTV subscription to 5k or even less.
ReplyDeleteMadam since you are running your own business too, your monthly allowance you should be saving it.
That list is not moderate...we shouldn't tell lies...
DeleteWho buys yam for 5 k .na only yam dem dey chop....who buys pounds for 12k...like seriously for a family of 2 adults and a toddler....pampers..90k...biko .what are we saying...
That list can only be moderate if the list was encompassing...like plantians..potatoes...waffles...frozen pizza....and I will understand...she has a lot of variety hence the list..make she go sleep..and find a way around it..if she need help..make she click my link send me mail..I can help her draw an encompassing budget..not this crap that is up there...
Moderate list that will leave her husband impoverished..kilodee
Dont just follow stella, open ypur eyes and read for yourself. how can diaperbe 90k? Its 9k.
DeleteLol madam u no fit build house at this pace...you will add another baby soon.just both of u...pls u should reduce more.. Eg..go to a big market and get ur food stuff...go to wholesaler and get provisions including omo..i buy 2jumbo diapers for the month..but i stopped wearing diapers 1year 6months...some kids are late sha...i go to oyinbo and buy every every for cooking...last more than a month...you see women do this dats why some men dont tell their wife how much they earn..but mine gave me the atm and transfer app..say make i finish am na me hungry go catch...i use 150k sometimes less to run the house a month...and everyday my kids take 1egg and biscuit plus ribena...i buy those in bulk too...please if you dont save now..when enter 2 story go change..ur son is old enough to eat other food please ...that money no plenty ooo. shebi na just 1000usd and i have 3kids
ReplyDeleteThe 9k diapers in a month for a 2yr old sha. What do you wash with 4500 detergent in a month abeg.
DeleteI guess you are still feeding your child all them canned foods to spend a whole 35k on baby food. Gosh!
Sebi na just 1000usd...how many families in the USA spend 1000 usd..monthly like.this? Na debt all year round na
DeleteSpot on.
DeleteI am trying to give them ribena/biscuits/caprisonne sparingly and change to strictly fruits and eggs.
By the way i have 3kids
ReplyDeleteWHATTTTT? This is way too much. You mean you run a home of just 3 with N208, 900? I agree with your hubby, you dont have nany savings culture. Do u of you eat 5k yam month in month out? You meam you consume poundo yam of N12k month in, month out? fuel of N20k every month? how about you get an inverter instead which is more economical in the long run? what baby food are you buying for a 2 year old? hasnt your baby started eating proper food yet? thats what my husband and I spend on upkeep monthly, sometimes less sef, and we lack nothing. Explain taking child to school please? do u mean for cab? Omo 4,500? are you running a laundry biz? Im sorry but this list makes no sense to me and im forced to believe that you are ripping your hubby off cos i just cnt comprehend some of the things on this list. There is definitely no way your hubby wont be frustrated esp as you dont even contribute nada and hes spending all his earnings., how will he save? How do u want to build the house you are talking about please.
ReplyDeleteFamily pack Ariel is 950-1300 I think and one doesn’t need to use up so much because of the intensity and effectiveness. She should really start shopping from Balogun and Mile 12(hope I’m correct). Every last Saturday or first Saturday, hubby should babysit while you enter Balogun or any big market in the city (dunno your location) NOT BIG SHOPPING MALL OOO 😁. Sunday after church you enter mile 12(or any foodstuffs market).
DeleteI really hope you will understand and do the right thing.
New generation wife. My hubby gives me 50k monthly with 4kids I do save some at the end of the month . Though I have rice ,garri vegetable oil and other things I buy in bulk. Just cut things like that toothpaste and other things.
ReplyDeleteI didn't see rice on your list. I suggest you buy bulk. Instead of spending 2k every month on crayfish buy the quantity that will serve you for at least 3months or more. Do same for fish, tissue. You will find out you spend less. Each month choose the item/s to buy bulk. This month maybe toothpaste, next month tissue. Go to where those people that sell buy from. Buy in carton or half carton. Remember to check expiration dates.
ReplyDeleteIf you want to build a house of course you will build it if you are determined. If all those Iya Alamala are building houses
ReplyDeletethrough their local restaurant what stop you from building?. You just need to imbibe the saving culture. Cut down your expenses on food.All those 90k diapers, stock fish,indomie is not necessary.Biko if you eat you will poo. I am not saying to shouldn't eat but don't eat in excess.Then check your house rent payment if it's not expensive. You don't need to rent a duplex or 3bedroom flat cuz you don't have a grown up child. Na house rent, excessive eating, Aso-ebi dey finish money. Start planning to build a house now that you don't have much school fees to pay. If kids start coming in building house will be difficult .
😁 😁 😁 😁 😁 i doubt you read the post.
DeleteI will start using this ya list in my house biko. The list makes sense.
ReplyDeleteJokes apart.
I can swear I spend more than 200k and I 've one child.
At least I will serve 30k, let me start from there.
Hope you don build house o..another pickin is loading o
DeleteMadam,I worry for your future and that of Ur husband because you are eating it up and despite that,you are not even eating balanced diet,poundo yam and yam only plus noodles,no beans,lol,no gari,no rice or wat sef. You are not a prudent woman, a lot of couples with kids run on monthly income of less than 70k and yes they are fine minimally,no excesses,they simply live within their means,and mind u these couples pay rent, school fees etc. from Ur list,Ur husband has just 140k left,how does he fuel his car,pay rent and pay for his child's fees? with that 350k he is supposed to be having savings of notin less than 150k after all Ur expenses abeg, you have just a 2 year old o and u are using 20k to take him to school,35k to feed him,9k diapers etc. haba,u sef maintenance 40k,and you didn't seem it fit to save at least half of that every month. Money has wings,it fly's fast away,what's the assurance that your hubby will keep collecting that kind of money in the nearest future,you are supposed to join resources togeda and plan your future now and stop being wasteful, yes u are wasteful. A good woman manages her home and ensures there are no wastages. Why won't Ur husband complain when u are living from hand to mouth despite his income yet you are asking for hangouts,it's better you buckle up and cut down on all Ur expenses for your future,I am married and I make sure our soup per time doesn't exceed 1500 highest and it's has fish and meat included plus ponmo, correct meals are made from our income and we plan for our future and save too and our income combined is less than one-third of urs,yes plus gen,rent,diapers,baby food etc.
ReplyDeleteStella, the diaper money it's 9k and not 90k. Poundo yam 12k? How many are you in the house?
ReplyDeleteI honestly think it's too much. Two people can't consume so much in a month except you give out a lot. Cut down on a few things and see how it goes.
ReplyDeleteSee the problem i have with that list:
ReplyDeleteIf you want to save...
DSTV, switch to GOTV.
Babyfood, hes already 2yrs, cut it.
Poundo yam & Yam???? Na you like carbohydrate pass?
Fuel for house, get i pass my neighbour gen, it saves fuel wella.
Tissue, buy the complete big bag, its more economical & can last for 5months & more, how many nyash de that house? How them big reach?.... pls you need to manage, your husband is trying.
This is the most outrageous list. What is a 2 year old spending 35k on feeding for? Haba!!! Poundo yam of 12k in a month ? Do you have a restaurant at home? 5k yams and two crates of egg? 1k tissue? Madam you are the problem. If care is not taken you will KILL this man!!
ReplyDeleteI wonder o. I know some baby food can be expensively expensive, but she should try to cut down on some things. That way, she can have small change to save.
DeleteDear Poster, it is just you, your husband and son, except you entertain guests daily. Not everything you buy this month will finish at the end of the month. Some should roll over. From there, all you need to do is to top up. Savings will come from there. What happens when you have other kids? Take it easy and avoid wastage.
ReplyDeleteYour list seems reasonable enough, but your son is 2. Why is he still eating baby food of 35k I don't get. You should have introduced him to some soft adult food by now to substitute and save cost there.
ReplyDeleteAlso pls potty train him, you have the time since you do business. Do diapers for just his sleep time so he doesn't wet the bed.
Madam if you want your hubby to save the truth is 350k to run a house-hold isn't much. Something has to give, and the only thing im seeing is that your up-keep money. You can collect 50k from your hubby monthly and put it in a saving account, because no job in Nigeria is secure. God forbid he looses his job, you will atleast not starve. That savings will come in handy till he finds another job.
Forget upkeep for now, and spend your business money on yourself prudently. Your hubby is trying with the little he has. I know many working women that don't collect upkeep. They are happy with hubby paying the bills, rents and fees. They take care of themselves. Don't kill this young man, he is trying pls.
The first thing that caught my eyes is baby food 35,000 like a two year old eat 35 thousand worth of food in a month.
ReplyDeleteMadam I think the problem is that there is money. If there is no money you will definitely know how to plan your expenses. Because the money is there, it's making you to put down both necessary and not so necessary things on your list and attaching a huge price to it
Make a scale of preference and include only the most necessary things and also see how you can cut down the prices or even if you leave the Prices on your list I believe those things don't get finished in a month so you can make a list for a period longer than a month
This is like a coincidence to me because just this week I was having a challenge with making a list and planning my expenses but the difference is that I'm broke and had to eliminate all not so necessary things on the list even though I needed them but yours is that you have so much that you don't know where to allocate some.
Don't you have car? why does taking baby to school cost 20k, this child is 2yrs oo, what kind of school are we talking about? I have a lot to say biko, let me rest my case.
ReplyDelete...maybe its from Ibadan to VI every morning.
DeleteI buy fuel 3k and use for the whole week..school run no chop fuel except school far
DeleteWhen you buy fuel for 5k a week, wc will include your running around and school runs, the whole 4weeks gives you 20k. The only problem I see is either someone who is gaining and saving from her husband or someone who doesn't shop smart. Then of course the baby food and poundo yam, else the diaper and wipes of 9k can be in order if her son isn't potty trained yet. Shop smart poster, so you can save for the rainy day cos it will come.
DeleteDo not spend what you earn but spend what you have left after saving. (I heard this quote somewhere)
ReplyDeleteDetermine the percentage you are going to save, then after deducting your savings, spend the rest.
Madam trust me you will know your capacity for managing a small amount of money for a month until that small amount of money is what you have to spend. Therefore restrict yourself to spending just a portion and you will see yourself doing it.
And by the way 35k is too much for baby food for a two year old o. Do something about it.
Wait oh 200k for a family of 3?
ReplyDeleteWhat will happen when other babies follow
Know your husband have bills to pay too, it's right you cut down
35k baby food, na foreign food?
By now he should be eating what you eat then the golden morn should be a cover up
If you have a freezer cook in bulk and keep in the fridge, I buy goat meat to cover the whole month
If your husband earns 350k and about 200k is being used for food it's just too much
Enough said
ReplyDeleteAccording to the personal finance classes we attended at work, you are not budgeting properly, because you need to assign a percentage of your income to different aspects of your expenses.
You need to treat you savings/Investment especially, like a bill you have to pay monthly, and you are spending too much on just feeding as a family.
You need to re-organize your list by organizing your expenses into categories, you can see an EXAMPLE of what I mean below:
-Monthly contribution to your Rent -15%
-Monthly contribution into your Emergency stash(since you now have a child to care for) -5%
-Monthly contribution to investments/savings -25%
-Feeding/Groceries-15%
-Monthly utility bill(Light, Waste, security bills, Fuel for Generator)- 5%
-Family/Tide/Charity -10%
-Miscellaneous -5%
-Transportation cost(Fuel for Car, etc)- 10%
-Entertainment -10%
etc.
Assign a percentage of your household income to the different categories you create and stick to it, you can augment with your money where need be.
It's recommended that you save up to 25% of your total income monthly, it can be broken to 5% for your emergency fund and 20% toward Savings/Investments. Do not leave the money idle either, else you will be tempted to go and touch it.
You people are taking a huge risk living paycheck to paycheck o, so it's good that you are thinking about this now.
I wish you luck.
One of the most sensible comments here
Delete@Reasonsble doubt this your comment is everything
DeleteI have read through and your comment is the most practical advise seen. Poster please take her advice... I know its not easy but it is achievable.
DeleteYour family can't have savings because your husband still needs to pay for school fees, rent, buy fuel, etc. These things would come up to about another 100k.Add that to what you have already spent in the house.
ReplyDeleteWhich one is baby food 35k? Diaper 9k? Please let the boy eat what the family eats. Asides tea he can eat swallow, spaghetti, rice, beans etc. You can give him pap for breakfast and tea with bread once a day. The rest of his meals should be family food.
9k for diapers for a 2 year old is much. That about 140 diapers a month. Start potty training immediately. He is old enough.
My son is 2 years and 5month and doesn't wear diapers to sleep anymore, even yo school. Buy plenty small pants for him to be wearing at home. Let daddy teach him how to pee in the WC and flush. It's fun for them.
Plan to cook stew and and soup once a month. Buy two paints of tomatoes, shombo and pepper. Buy one paint of onions. Eat stew with potatoes, yam etc.
You can save 10k from that 30k.
Things are hard and baby number 2 might soon come. Yam 5k ke? And poundo 12k.Madam! Haba. You people should reduce abeg. The eggs should be left for your son. 2 crates eggs a month?.Not saying you should not eat well but you can't save if you continue spending like this. You can do dstv family instead of compact pls.
Meanwhile some people are getting 50,000 for a whole month to feed family of 5 . That's even when Oga is happy o
ReplyDeleteAs in ehn......you correct. When he is happy ni o! In fact some men expect you to cater for feeding if you are working while they pay rent and school fees.
DeleteMadam, try reduce this list and invest mor in bulk buying and introduce your kid to adult meals. My baby of a year and half stopped collecting pap and insist on the adult meals her older ones take. She is tired of diapers already.
Chai baby food @35k,you are very wasteful, if one day ur hubby got sacked ur type can do anything dirty just to survive, one child!,I am not bragging but I am more richer than u,I earn more than ur hubby n my hubby is very rich,I have 4 kids n I don't spend this much except more on beverages, detergent 5000,u not serious to help build, save n encourage ur hubby.when ur children reach 5 u spend 1millon monthly. I don't wish your type to any man.
ReplyDeleteMadam sorry to say this but YOU ARE WASTEFUL!!! What are you doing with 12k poundo yam and 5k yam in a month? 😱😱.
ReplyDeletePls Re write your List. Pls don't send your hubby to an early grave biko. One crate of Egg is enough for a month althg I don't know your family eating habits. Pls change now that you guys just have one kid.
POSTER MY BABY IS 1YR 8 MONTHS, I BUY MOLFIX 4500, THE BIGEST PACK. WIPES 500. TOTAL IS 5K AND IT IS MORE THAN ENOUGH FOR A MONTH.
ReplyDelete35K FOR FOOD IS TOO MUCH, MY DAUGHTER TAKES CERELAC AND SOMETIMES NUTRIBEN, THE BIGGESTIN OF CERELAC IS 3700, I BUY ABOUT 4 TINS THAT IS 14,800. NUTRIBEN IS 1500, AND I BUY 2 PACKS THAT IS 3000, HER BABY MILK I USE NAN3 AND I USE 3 TINS WHICH IS 6800. IN ALL I SPEND IS ROUGHLY 25,000.
AND I AM TRYING TO WEAN HER OFF BABY FOOD TOTALLY BEFORE SHE TURNS 30 MONTHS (2YRS 6 MONTHS)
PLEASE START WEANING HIM
Hmmmm.... I don't know how you are able to pay house rent out of 350k when you've spent 208k already. It is damn outrageous!!!
ReplyDeleteAnd where is the money to build from if I may ask bcos the man working for this money has not taken care of himself and the money is looking like it has finished!!!!
Madam, in case you were thinking ur husband is earning big bcos the figure says 350k, I hope you have seen how you have matched d figure and how broke your husband is already. You really need to readjust if you want the building project to become a reality.
All the best!!!
Omo 4500??? That's pretty expensive.
ReplyDeleteWill it wash away sorrows and pain???
You guys should take it easy on the poster na, she realised that she has a problem that's why she sent in her chronicle.
ReplyDeleteShe just has to cut down on a lot of stuff, and buy others in bulk, remove some totally, and If she can be disciplined and only spend the money she assigns to household feeding and groceries monthly, she should be fine.
Reasonable Doubt ! you took the words out of my mouth. You guys should calm down. The poster realised there is a problem and thats why she sent in a solution. No need bashing her and shouting. You never know her upbringing maybe she was brought up "sheltered" and never had the chance to haggle for example I am 25, married if i were to go to the market i will probably spend more. Thats why till date i have never ever been to a market on my own in Nigeria. MY point is those that know the way should put the poster through and poster if you are based in an expensive location in Nigeria find time to go to the local food market or maybe contact one of the shoppers we have on blog (eg Lagos shopper she might help you save a few naira here and there ) and for savings read what reasonable doubt typed up there or search for articles on how to save always ensure you put something away at the end of the month
DeleteDon't mind them.
DeleteChai baby food @35k,you are very wasteful, if one day ur hubby got sacked ur type can do anything dirty just to survive, one child!,I am not bragging but I am more richer than u,I earn more than ur hubby n my hubby is very rich,I have 4 kids n I don't spend this much except more on beverages, detergent 5000,u not serious to help build, save n encourage ur hubby.when ur children reach 5 u spend 1millon monthly. I don't wish your type to any man.
ReplyDeletePoster please enlighten me on the baby food aspect for a 2 year old. Is it the regular milk and cereals which is not supposed to be the staple food for that age even?
ReplyDeleteHaven't you introduced solid food to your son? Marshed buttered potatoes with fish/minced meat, soft rice, yam, even swallow. These wouldn't cost you as much and are more appropriate for that age.
Also, does your son use diapers both day and night? Has he started talking? If he has, you can start potty training. Because 9k is a lot to be spending on diapers monthly. There are some very nice diaper products that are not high end. Like Roody and Penelope they both retail for as low as 2500 for 50pcs and they equally have wetness indicators.
Good luck...
My own na poundo 12k.....for only the two both of you? Abi you dey feed amagba community?
ReplyDeleteBoya they are Tivs, na Tiv people sabi chop pounded yam laidat
DeleteDear Madam,
ReplyDeleteThe earlier you cut down your expenses the better it will be for you and the family. I know womane to the good with keeping money but your case i don not know what to say.
I am single, my total income is 78k and i make it mandatory to save 40k monthly.
Kindly restategise, re-write your list and cut down expenses.
Beverage 3400(milo refill and dano milk)
yam 3000
Egg 1000 (you can get a create of egg for 1000)
Noodles 2000
Tissue 500
plantain 1000
Dry fish ---
stock fish ----
Toothpaste 500(closeup is 250 per one)
Omo 1000
Poundo yam 5000
Kindly cut down all expenses 50%....
Buy a big bag of tissue.it is slightly less than 4k.it will last for over 3 months, but then I don't know how tissue is used. Colgate is btw 350-400.2 tubes ought to be enough 4 2 adults .
DeleteMilo refill is 900*2/month should do.
Peak milk refill is 1k*2/m should do.
That yam/5k/m u need 2 cut down. Btw u and ur husband do u consume more than 10tubers of yam in a month? Even if ur baby is included.
Poster, where do u live? People buy things in bulk and even bags 2 share e.g, crayfish, stockfish, dried fish, palm oil. Etc. U find them in ur nebor hood. Church, work place etc
My paste is 1800...Abeg no vex...toothpase no follow for cut down things..make person mouth come rotten all cos of savings
DeleteYou think it's everybody that uses closeup abi
DeleteLadybird dont let all these varieties fool you, if you like use Sensodyn or Closeup, its same result, your teeth cant be cleaner or whiter
DeleteAnon 17:38 it's not true
DeleteMadam a 2 year old child should stop eating Baby Food. Make Pap from corn, buy Golden morn and other meals and stop this your outrageous list.
ReplyDeleteStella it is 9k not 90k...
ReplyDeletePoster your hubby is right oh. The budget is too much for a family of 3 especially when you are trying to save. 12k for poundo yam???? Like do you eat it everyday? I feel you should divide your budget into 2 for the following items:
Fuel
Poundo
Baby food
Detergent
Does your 2yrs boy not eat home food? Try giving him home cooked food.
ReplyDeleteTry reduce the price of these things, & manage, it's just you & hubby. Two adults, you can manage, like do you eat noodles every day?
When I was still living with my parents, we were 4(3adults & one teenage boy) in the house,we 60k every month (there is bag of rice, basin of Garris & two custard bucket of beans,5liters red oil & vegetable oil) in the house. Sometimes these things still spill over to the next month.
We manage feel, we don't put on generator anyhow.
In my opinion your spending is on the high side,you just have to find a way around it, some times you must not eat everything you wish to. Try & reduce the money & see how you cope with it.
You guys need to buy a plot & then build. It's small small, with time you will start enjoying again.
That 60k is what i get to fend for 4 of us at home..When my siblings laugh nd call me madam list maker,i just dey look them..That 60k,i buy 5liters of palm oil nd also kings oil 5litres,i buy beans nd rice,i buy sardine,soft drinks,hotdog,soap,toothpaste ,yam,onion,semo bag,garri,maggi 2 packs,salt,matches,crayfish,egusi,spagetti,milo 1kg nd milk etc..All these i dont buy it in bits o,i buy in bulk that would last a month..I dont see what this poster is buyin 12k poundo yam for nd from that money i also buy chicken nd turkey during the time we cook nd all..this person is wasteful,wat soap are u buyin for 4500,wetin una dey wash,toothpaste for 1k! What are u brushing? Tissue paper is 300 for a bag nd in shoprite u see 50naira per one,she can buy 6..She needs to go to market nd buy proper food..This is wasteful abeg
DeleteWait o. How many una dey for house? Just u, husband and baby? What kind of beverages do u consume that goes for 5k/a month?
ReplyDeleteYams -5k.Do u eat yams everyday? U don't even pound the yams cuz there's pound yam on the list.
Eggs-2400? That's like 2 crates of egg for a family of 3 in a month? Una be Dokubo.
Cooking soup and Co-30k excluding dried, stock and crayfish sef. What kind of soup do u prepare. A cup of ogbono is #600 Max. U don't need more than a cup. Excluding meat, dried, stock and crayfish 1k is enough for ogbono soup.
Mudu of egusi hand peel na1500,u don't need more than 2k excluding the things I mentioned earlier.How many different soups do u cook in a month?
How do u guys save for rent?
What kind of paste do u use? Colgate is btw 350-400. How many family size do u use in a month.
I don taya.
From some Na comment here, I can see that poverty is the land.
ReplyDeleteWhy scrutinize her this way?
The only thing I find off is the 2yr old still eat baby baby food of 35k and the OMO of 4500 and also the pound of 12k.
Poster, switch poundo to Garri. You can add the small bag of poundo if you love eating it so much.
Give your baby More of adult food now and add it with Cerelac Which is about 3500 or 3700.
That's all
Hahahah what a wawu..you still found something off.
DeleteMy dear if their monthly salary is not up to 1 million or 700k, she’s is been extravagant o.
DeleteCut ur coat according to ur material, if the cloth no size u force am enter body o
Chai!! I love this chronicle... hubby gives me 150k monthly for the two both of us plus hospital bills for my antenatal and he will still open mouth gbosa to say he doesn’t know what I do with the money.
DeleteThere’s no personal upkeep for me inside sef but I don’t bother at all.
Make e come see list. Let me forward this to him.
I can only have this kind of list when I know my hubby has a side chick. So that when I finish the whole salary, na how to hustle hard imm go dey think and not to look woman... lol #justkidding
DeleteBut tho, many people use more than this for upkeep but it boils down to how much is entering and staying in d akant after the home front spendings. You can’t be eating all ur income now habba! U no want oga to become landlord?
Na slay mama list u carry for hand so o
My dear..to be honest you she no try..it's not about poverty...the man is complaining because he is seeing less for more....
DeleteWith 208k.and I wanna draw a list...honestly...fresh fish...prawns....vegetables..carrots, broccoli..fruits all will be inside and if hubby wan talk he will see value for money...her husband is complainingcause no value for money...who tells a grown man earning 350k..that Pampers is 90k for the month for a 2year old when he knows what his mates who earn such with 2 kids have achieved in the same Nigeria. Biko let's say the truth when we see it
I couldnt agree more with you ego lagos. Poverty is in the land. Because of the money her husband gives her she has cut her coat according to that size. If he gave her just 100k a month she would adjust accordingly..Those on here with upkeep money of 50k before nko are you expecting to spend 500k?
DeletePlease cut down on baby food. Your son is 2 already. Start giving him what you eat too except he is on the skinny side. Then 20k for transportation to creche is also too much. Do you take drop too and fro. How do you buy 1k tissue every month. Why don't you buy a bag of it for 2,400 and use it for 3 -4 months.it's just the two of you. Fuel too can come down to 16k.instead run generator to just 12 midnight.If where you stay is too hot buy rechargeable fan.you can use it when you put off the gen. Also the 40k upkeep monthly when you also have a business and also get tranaport money separately is not fair to your hubby when you know his salary is not that big. What do you use your money for.you can cut it to 20 or 30k. The 1k toothpaste monthly I don't understand it too. Omo 4500 what are you washing if I may ask.
ReplyDeleteTo be honest with you 350k is small money for a man and you expect him to start building from it. He pays rent from there too and does other expenses. You have to adjust
I earn 200k monthly, my husband earns decently too and he pays for almost everything in the house but you see that your list up there I can't come up with that. Unless you are using it to make money from him which is unnecessary as he fulfills his responsibility. You should have the back of your man and give him list like a wife that wants his growth and not a gf or side chick that wants to milk him as much as possible
My husband doesn’t give me monthly upkeep for my self but everything needed in d house, he buys. We just got married and I feel he’s doing a lot alone kos I left where I was working to a new state.
ReplyDeleteWe are planning on how to start a business for me and I can’t add my stress to his for now.
See bills left, right n center.
Madam pls reduce these things u just have 3 mouths to feed now and u haven’t started paying school fees yet u guys are not saving anything tangible for the future. U didn’t not talk about car expenses, extended family expens, and there are also a lot of things needed in a home that are not in that list ooo.
Abeg o na naija we Dey ooo
I remember a time we came back from church late, on our way home I was wonder what I would make that would be fast. When I got home, I searched my fridge and found the #50 worth of okra (I bought within the week from dei-dei market). Na wetin I take prepare soup but I used iced fish, sliced and pounded my okra. Other ingredients were already available at home. The soup was enough for 2 adults, a teenager and a 3year old for just that meal.
ReplyDeleteThis was 2 years ago
I have a feeling her husband sent this post
ReplyDeleteNa only yam Una dey chop?
DeleteWell for your family size that is way too much. Work with Stella’s advice and see how it goes. Fact is you really have to cut down on spending because when more children come hmmm!
ReplyDeleteI earn over 1m naira monthly, my wife earns over 300k monthly but we don't even spend anywhere close to what you guys are spending... Condition your mind that hubby is earning 150k monthly... And don't spend more than 80k... You don't have to live and eat the way you've always lived and you won't even feel hunger or stress..Just move the the rest to an account for building and in six months you guys can Start the building project... Once you start, you won't stop;you'll even see more ways to save to keep the project completed in time. This is what we do.
ReplyDeleteI like this. Poster do this.
DeleteOga, over 1.3mil come into your household monthly & you dont spend this much monthly? Oga i put it to you that youre stingy.
DeleteYaba left, seconded
Delete16:09 sounds like my husband. Earns above a million . na by fight and malice keeping before he started giving me 150k.
DeleteEscapee thirded.This man must be stingy!!! Make the wife dey there dey do good wife. Na side chick go open her eye.
DeletePoster you have to learn how to cut down costs. The list you have up there is very expensive.
ReplyDeleteExactly same problem my country Nigeria is facing. The only solution is the source of income ought to dry up temporary so that she learn economizing via agonizing. EXPERIENCE IS THE BEST TEACHER.
ReplyDeleteHow many yams do you buy for 5k? Then you still buy poundo yam of 12k? You know you can actually blend the yam to make swallow.
ReplyDeleteDiapers for 9k? Your 2 year old should be using less diapers now or even none. You should get the pack of 36 which is N1800 or at most 94 which is N3600. He can never exhaust it in a month...when he's not a new born. So why are you spending 9k on diapers?
Soups/stew/ extra meat..you can still cut that one down.
Reduce the number of hours you run your gen.
Is one tube of toothpaste not enough for one month? Don't tell me your paste cost 1k. Go cheaper then.
Learn to manage please. You can't be spending over half his salary on housekeeping. That's ridiculous.
And....
ReplyDeleteWhich baby food is your boy eating for 35k monthly? He should be eating what others are eating please except his milk. Train him to eat what you guys are eating.
Too many broke people around, we just got married and I receive a fuvking alert of 500k monthly, my allowance n house expense, no kids yet, now when kids start coming, oha said he will double d amount, so what she's spending per month is over fair to me, won't u dress well, smell fabulous? Hair on fleek? Look years younger than your age? Give her a break, n I'm not working yet, if I start a job that means I will be living extra large.
ReplyDeleteI actually want to advise you on this your comment but I know I wil just be sowing on a desert, you are too naive to understand.
DeleteShut up, liar. you too lie. Some people receive 10M per month, it depends on your earning power. her husband does not do money ritual, na 350k him dey earn. Nonsense and ingredients.
DeleteMadam I recieve a fucking alert of 500k monthly..sebi if you want to buy Hermes birkin you will still spend like this woman so you can buy the bag?
DeleteBiko shift one place....
Na your type dey drink garri so dey can buy the latest knock of...
Even those that recieve more than you supposedly do dont spend foolishly..upon the 208k see the imbalanced meal they will be eating..pound of 12k..
If you like brag that your receive 50million alert monthly, we kuku dont know you, it means nothing.
DeleteNa your type de begin look outside wen husband no hold pepper again like b4.
I read all the expenses and I realize that all these are what you need at home but my question is do you finish them in a month?
ReplyDeleteYou mean you buy all this things every month? If so then you don’t know how to manage your home? That’s my opinion
I was wondering the same too. Poster you can't buy these things every month na...I mean some can remain for like 2 or 3 months. You can try and buy when there's discounts.
DeleteMy dear, this night, just try to worship your husband small...., this your list na die. U mean he doles out this money every month and you guys live in a rented apartment? Do u know u guys are not rich? 12k poundo yam? 5000naira yam? Every month? Are u feeding elephants? 2crates of egg per month? Are u selling egg roll? 35k monthly feeding for a 2year old? please wait, is this list even real? Or u just put it out here hoping ul get support from other women and then u can send the link to your husband, cus frankly I can't wrap my head around this list. 1k for toothpaste, okay I'm guessing u use Colgate, which isn't even bad in my opinion anyway. I pray God gives you wisdom o, cus your husband is right to complain, especially knowing he wants to build a future for his family. You have a good husband o. I wish you all the best as you sit and re-strategize. Pele dear.
ReplyDeleteI tire o.....rented apartment and this....if he were rich earning at least 1million monthly I go understand...
Delete350k salary..go dey finish fiam..u top only food..year end landlord go kno k door
It is good you are seeking help because you have realised something is wrong.. on this list, i did not see rice, beans e.t.c si it that you don't eat them? you alone can work on this. you need to cut down on your expenses. For your son, start potty training him, even if he has started school i know some school help in this area. This will help reduce the cost of diaper. Also start winning him to reduce cost of baby food.
ReplyDeleteI earn over 1m monthly and my wife earns over 300k monthly but we don't spend anywhere close to what you guys spend. We don't get to pay for DSTV every month, sometimes we forget it and watch Netflix or other things. Just condition your mind that hubby is earning 150k and you have to use 80k for all you stated above. Then push the rest into a building savings account. You can start the building project in 6months, and once you start- you won't stop. YOU CAN DO IT, CHALLENGE YOURSELF. every month reward yourself by taking hubby and baby out, it doesn't have to be expensive!
ReplyDeleteOga i say you be stingy person, you'd develop Ulcer & lack vitamin D before you move into that your house, youre saving virtually 90%, na wa o, i can swear your wife is not confortable with this, its your doing, e de your blood.
DeleteBiko you all should pity her. She's realised she needs help hence d chronicle.
ReplyDeletePoster cut down on yr expenses. Buy in bulk, cook in bulk and store in freezer. It will save u d stress. Think about it... be considerate biko...
I think you should try and start buying in bulk and I am sure you will be able to save..
ReplyDeleteFor you to send this chronicle shows you want change and i pray God will help you.
Wasteful slender called wife.
ReplyDeleteA man can't succeed in life with someone like you, i can see why the man is complaining.
BananB island list. Let me not come and have headache.
ReplyDeleteMadam pls cut down on ur expenses abeg especially when u r not the one earning it..u are wasted ur hubby's resources. .Apply wisdom here to make ur home grow.
ReplyDeleteif u continue like this ,how will u guys save, build ,train the kids n support ur families.
Beverage..guess it's biggest peak size they sell 2500 each..do u finish it within 1 month??
Cut down Omo to - 2500
Poundo Yam - 4000k since u already have normal yam. .u could swap with fufu,garri,or Semo
Diaper /Wipe - 3000..u baby is 2
Baby food - 7000..Introduce ur baby to adult food..rice ,okro soup,smashed yam,boiled egg, bean,plantain etc
DSTV - 4500 sub
Taking Child to School - u or ur hubby could do that
Cooking Stew ,extra meat ,etc..15000 ..U have crayfish, dryfish n stockfish..egusi,vegetables, Smokedfish ,tomatoes n spices doesn't cost a lot
Upkeep -30000..
Yam - 7 tubers.- 3500
Think about the future.
Madam, how much is custard bucket of crayfish that you will finish 2k cray fish in one month. 12k poundo yam? so you and your husband finish 12k processed yam and 5k natural yam. Akpuda that how you guys will be looking like. Baby found, detergent. This list is freaking extravagant for just 2 people. Tissue Paper 1k? Half a dozen of rose carla is how much? Wetin una dey shit?
ReplyDeleteMadam, you are the neck to your husband being the head and your kids the body, Neck don bend already. Please use BVs POP to strengthen your family.
I went to a boarding house, JSS 1-3 was a trying experience, i had to learn how to manage my beverages for the term.
Currently i stay alone, i know how much my running expenses is. The secret is buying in bulk, i have learnt how to go to mile 12 and stock up on yams,potatoes, onions, tomatoes and oyingbo sock fish, dry fish, spices and red oil. Balogun tin tomatoes, maggi etc. When you buy all these in bulk, it last for like 3 months.
Toothpaste i can understand. Imported sensodyne is 900-950 and if you brush twice daily it will finish.
All the best!
Stellaaaaaaaaaaaaaaaaaaa, its 9k for diaper/wipes not 90k. check am well.
ReplyDeleteMadam pity your husband. Going forward let him drop only 100k for house upkeep minus fuel for Generator. you have a business,add like 20k from ur end. i know family men who earn 100k and have 3 kids. Pls be wise, cut off that baby food, let ur boy eat normal foods just buy his one baby milk and some supplements. Reduce the yam to 3k, which will give u like 5 big tubers, cut the detergent to 2k, reduce poundo yam to 5k. pls help ur husband.
ReplyDeleteShe doesn't nee to tell him to drop 100k....let him drop the same amount then she should actually manage it and save...when they start building she will add it to the money he has for building...
DeleteHonestly she may even tell the man to cut it down and he will still blow it..last last..house wont be built
Exactly Oreola
DeleteDear Poster and good wife,
ReplyDeleteI love this chronicles...a lot of wives can learn from this. My mother taught me how to cut down yet maintain quality. wish i can introduce her to you. But from what i read here, there is a lot of cutting down to do in terms of feeding for your baby, you and hubby and other groceries like detergent. I do not see utilities,but i would assume your husband pays those which is why i think he doesn't have much by month end.
That being said. you and hubby should squeeze and throw 100k some where in an account you dont have an atm for monthly after all bills, gbese, groceries, feeding and enjoyment money which includes his upkeep for you is spent. squeeze it squeeze it. its there! i can see it. I wont dictate how you run your home but God gave you wisdom which is what i am happy you did by seeking advise here. well done dear.
Darling, your monthly income should dictate your monthly expenditure. It's a case of cut your coat according to your cloth and not your size. You could be a size 16 but have only 1 yard of fabric. You have to improvise. The truth is, if you can be economical, you can even still save some money at the end of the month.
ReplyDeleteI can't tell you what to cut down on because tastes vary in different households but honey, from your list I can see you are organized and smart. Go back to the drawing board and do some tweaking here and there. Obviously, some items would spill over into the next month so your list should be flexible. Baby, do you know you can even surprise your hubby with a night out on you, with the extra cash you save? A nice dinner once in a while will really excite your man because men are used to footing the bills and providing for the home. They usually get really excited when the wives give them a surprising treat.
Another reason why you must learn to cut back is, your angel is 2 years old, before you know it another could pop in very soon. For all we know, you could already be pregnant. Lol! If you can't run your home now, it will be catastrophic if there's a new addition.
Lastly, please don't discuss this with any friend or family member. You are more or less anonymous here, so your home is still protected. There are friends who are balling hard and may make you feel like your hubby isn't doing enough and that is the beginning of conflict in the home. There are others who are receiving way less but will want to front like your monthly allowance is what they spend on manicures and pedicures. There are others that will be green with envy and will give you advice that will sabotage your home. Darling, this list must not be shared with another, keep it like a diary. Please be sure you appreciate your hubby, he provides and should be commended, you have a good man. Let him know you appreciate him and be kind to each other.
e-hugs and kisses.
Hmmmm I didn't see baby's school fees, I didn't see house rent even though it's not monthly. Please baby should receive toilet training to reduce use of diapers. Baby should be eating what you and hubby eat and you can top it up with beaverag purchased from whole sale shop to reduce cost. Please readjust to save. 60 percent of your upkeep can be saved every year to commence the building project. Piece of advice never discuss your family finance with a third party. It is strictly between you and your husband. I commend your husband but please madam plan and save
ReplyDeleteA wise woman builds her home.
This is serious
ReplyDeleteThis list is too much nah.. Imagine omo 4500
ReplyDeleteI loved today's Chronicle. Something different for a change.
ReplyDeleteY is he complaining. This sounds like the karma abi nemesis of dudes who dump real women for slay queens. Zero managerial skills.
ReplyDeleteJuju works in all ways, sometimes it is set to make sure your finances are crap. No matter how much money you make you can't save a dime and it has to all be spent. Juju may be at play here. Get down to business and pray on your finances, pray for the spirit of wisdom and good spending. Look at the national minimum wage and know that there are families much larger than yours subsisting on that meager amount and surviving. So imagine what you could accomplish with the amount that is coming in. Go meatless one day a week, there is no rule that says you must eat meat and fish daily, even one meatless day helps to cut down meat cost. Learn other dishes that are cheaper to prepare. Try brands that are not brand name items which are often more expensive. The only thing I refuse to compromise on is good quality toilet paper, you may have your one thing that you must have that is fine, but be open to experimenting with different brands. Buy in bulk or buy larger sizes of things you use every month, get the larger bottle of oil instead of the small one that you will have to buy a few times a month and end up costing more overall, do the same for rice, flour and sugar. You can even buy and freeze things like bread, juices.. etc. Bulk buying saves money in the long run.
ReplyDeleteUnlike most other commenters I don't believe your child should be completely off their baby food, children that age still need to have their own food to some degree, not every thing you eat is fitting for a two yr old. We still buy baby instant oatmeal mix for morning cereals, toddler geared snacks, fruit pouches and stuff. Sometimes they don't eat what we eat for dinner because they don't want it so we have to give them a pouch. I saw another person telling you to wash your child with water at home and only use wipes for outings, get your wipes. I am not going to aggravate myself to wash a child after every toilet visit just to save on wipes, the convenience of wipes will save your sanity and add to your quality of life. Take whatever advice make sense and use it to your benefit, drop the ones that are not practical, even mine.
Hey poster,my first issh with the list is lack of PROTEIN and FRUITS/VEGGIES, please incorporate into your feeding including the babies!!
ReplyDeleteSecondly,why do you have 20k extra to take the baby of 2years old to school?while you have another 40k for your personal use?
Do you stay in Lagos?if yes,I can take you to apongbo to buy your baby foods+groceries then mile12 for your yam and soup ingredient,please feel free to chat me up!!
My husband gives me 150k for a month, 20k for reserve if I run out of money and raises me anytime I want to do my hair. I take out 60k for ajo which goes into my personal saving which I do not touch except I really love something I know my husband cannot get. I have 2toddler and a baby so I buy pampers, caprisun, famous Amos,and also buy foodstuff in bulk it’s stress full do shop but that is the only way I can manage and not use my own savings. He has been able to save a lot to build. We eat out sometimes and we do vacations too. He earns over a million so surprising my friends think he gives me more but it’s just the act of managing I have learnt from my mum
ReplyDeleteYou really need to start buying in bulk. Please seek for an elderly wise person to help you out.
ReplyDeleteMaybe ,you should contact Lagos shopper for assistance.
Cut down on your spending.
ReplyDeleteYou can also look for where to get things at cheap price.
I do not know your location, would have suggest places to buy from based on location. Cheers
*what they saw in red ink
ReplyDeleteSincerely things are expensive in Nigeria but you have to cut down your expenses.You can save your upkeep money to get inverter or solar panel.Buy food in bulk-10 liters of palm oil will last you for 3 months or more,if you are interested,I can hook you up with someone who will deliver food processor for you at home(he will send pictures and you choose)you can make your pounded yam with that and stop buying poundo yam of 12k.I don't know your location you can buy chicken (live or frozen) and make enough stew that will last two weeks if you have good light.Nigeria can't get better so you have to save money because kasala can burst anytime.Since your husband provides for the house fully,save your profit well.Get a crèche closer to you or drop your child if you have a car.You have to be disciplined to save in naija cos everything is expensive.You can google food to feed babies on SDK,it's an old post but it will help you.Invest in wigs,turn old weaves to wigs and save on hairdo.Please give feedback if you are able to cut down your expenses.
ReplyDeleteIf you are in Abuja,go to orange market along nassarawa to buy yam,onions,tomatoes at a cheap rate,you will get drop in the market to take you home from there if you aren't conversant with the route.While I was in naija,I buy everything in bulk especially when they are in season-oil,egusi,crayfish ,garri and save cash cos I hate not having food at home.And the fear of if they don't pay salary cos hubby is a Dr working with a fed hospital and anything can happen in Nigeria and nothing will happen
ReplyDeleteNothing to say than to tell u to save 250k every month
ReplyDeleteNd use d remaining 100k for whatever u want to use it for,
With dis u will know how to manage.kiss nd love
All of u abusing her and telling us 2k crayfish is too much in a month, for real??? Anyway I blame the childish poster for bringing her list online. In fact I couldn’t believe it. SM don finish all of us I beg
ReplyDeleteNo one knows her so it's nothing.
DeleteBTW,I share your sentiment about crayfish...it's expensive now.
Let me rewrite that list:
ReplyDeleteYam- 4tubers @N700 - 2,800
Eggs- N1000/crate 30pcs of eggs.
Nooddles- not needed, substitute with spaghetti and macaroni. N250/1 buy 3. You can't finish it in a month, use it as substitute for beans, or make jollof with crayfish and egg(optional).
Tissue- Extra big ones 2 - 1000.(can last for 6months). Wash ass after poo and use tissue after pee.
Plantain- 8 sticks N400
Dried fish-N2,000. To be used only for important soup.
Stock fish-1,000
Toothpaste- 300(can last for a month plus)
Omo sunlight 1kg, N1,100(can last for 4months)
Carton of soap Canoe/Bimbo-N3k-4k can last for a year.
Homemade soap for doing dishes-materials N2000, can last for a year. Just keep enough bottles and space for storing, dilute with water when about to use.
Crayfish- N2,000(crayfish is scarce) when it's in season, buy dry under the sun blend a portion and keep the rest in an airtight container, for months.
Panla fish- another beautiful option and also nice when used in soups, porridge, and palm oil rice. N200 for 4pcs. Buy 8 when making your soups.
Poundo yam- use with alternatives semo, garri, wheat. Pondo can be used once a while. Semo, wheat-N500 each, garri -500, poundo -
Diaper/wipes- buy cheaper versions,even kirkland with scent costs N1,100. So there must be cheaper versions
Baby food- introduce him to solids, mashed sweet potato, mashed yam and oil, babies love it. Then you can never go wrong with ogi made buy you, add dawa dawa, and the likes)
Dstv-7,000
Buy foods in season- cocoyam 3 sets N500 for white cocoyam, 2 sets 400 for red cocoyam, my sis you can't finish it in one week and potatoes are everywhere, sub with vegetables and salads,you get full faster. Ditch foods that aren't in season.
Fuel for the house- stick to switching on from 12 - 4pm, and from 8-9pm cos of the weather, have cold baths and apply white powder to cool your body.
Next time you want to buy frozen food, buy quater of whatever you buying, fish, chicken turkey, quater can sserve you twice, so let's say you buy chicken 3000, you'll use it for 2 Sunday's we have 4 Sunday's in a month, do the maths. Same for fish and turkey but at different prices.
Tomato season- when next you go to aboki, tell him you want everything N500, you'll have enough, tomatoes, rodo, sumbo, peper and onions to fill a big black bag, you can't finish that stew in 1 week, plus it'll be thick.
Soup- make achi based soup, very economical, you've gotten half of the things you need up, except vegetables, uziza, bitter leaf, oha, ukazi, avoid water leaf it's scarce. Max you'll spend on this is 500, achi will do the rest. Egusi and ogbono occasionally.
If your husband is like my dad that must eat swallow, no wahala I used 2k to make okro with uziza, ugbah and panla, he loved it, he didn't want the meat, my mum ended up finishing the meat in it. I used fresh Cameroon peper. 30min prep time.
Make Ekpan, concotion rice with spinach(i see aboki carry it a lot). Make iya basira stew, hand grated tomatoes, pepper and sliced onion, fry palm oil, cut 200 pomo in bits and panla 400, salt and maggi(optional). You welcome.
Spices- buy in bulk, can last for 4months- tyme-700, curry -700, rosemary- 700, Maggi- 750.
Invest in wigs- save money when it's xmas participate in sales, make didi every 2 weeks and enjoy pouring water on your head every day.
Makeup and cream - RSQ will do lecture.
Pad- there's one always big pad they sell N5k, substitute with cheaper ones like Virony, use virony when it's just starting and switch to always when changing on day 1. Use always when going out and at night day 2 and 3, 4, and virony in doors.
Hands hurts.
Wash after poo, use tissue only for pee!!!+?????? So she will just use hand touch shit just like that all in the name of saving? I thought you clean up with tissue first then wash.... what do I know?
DeleteYou're either lying to your husband or you're doing so to yourself. How can you collect this sum every month from your husband under the guise of monthly household needs. There is no way 2 adults can eat all that you listed here within a month, so I am pretty sure you're reaping off your husband. Continue, one day he will seek outside counsel and he will stop giving you even that self allowance that you get. Between my husband and myself our combined income is 1 million naira. We save 700k and take 100k each for our personal expenses. Except when school fees or rent arises. Guess how much household expenses are? 100k flat...This sum is inclusive of utility bills like NEPA bill, lawma, dstv... And we have 2 kids aged 2 & 4... We eat like kings and queens and the 100k is always certainly more than sufficient. You need to stop lying to your man with that fake list if you want to sustain your family's future. But if you just happen to be wasteful, which I don't believe, go and learn the art of bulk buying and give that man a chance to build you a future. I am beyond shocked with this chronicle.
ReplyDeleteYou're either lying to your husband or you're doing so to yourself. How can you collect this sum every month from your husband under the guise of monthly household needs. There is no way 2 adults can eat all that you listed here within a month, so I am pretty sure you're reaping off your husband. Continue, one day he will seek outside counsel and he will stop giving you even that self allowance that you get. Between my husband and myself our combined income is 1 million naira. We save 700k and take 100k each for our personal expenses. Except when school fees or rent arises. Guess how much household expenses are? 100k flat...This sum is inclusive of utility bills like NEPA bill, lawma, dstv... And we have 2 kids aged 2 & 4... We eat like kings and queens and the 100k is always certainly more than sufficient. You need to stop lying to your man with that fake list if you want to sustain your family's future. But if you just happen to be wasteful, which I don't believe, go and learn the art of bulk buying and give that man a chance to build you a future. I am beyond shocked with this chronicle.
ReplyDelete