You dream big ahead of your mate, even if you are the dumbest of all or the smartest, you (in your mind and imagination) you always think above all.
In Nigeria, some factor(s) could determine how broke you are not just because of your thinking but because of some factors you have to beat.
1. POOR ATTRIBUTE TOWARDS SAVING
Yes! poor savings, I actually choose this because first, in one way or the other as a degree holder an average person will always want to survive, so he/she earn a pay from what she is doing a s part-time or full-time. Saving is an investment you have to do to suffer the pain for a short priod of time and reap your profit at a designated period of time.
You earn yourself a certain amount of money, saving 30% of it is not a killing plan but a multiple-fruit-yielding investment at the end
2. BORROWING TO OWN AN APARTMENT
This idea is huge and might end up leasing or selling the particular item. Do you borrow to own an apartment?
To the lender, it's an investment but to you, it is going to be a tough thin line for you to cut, why? If you ever thought of borrowing to own an apartment, how will you succeed in paying up despite the fact you still have some stocking to do including furnishing.
3. EXPENSIVE AND RECKLESS LIFESTYLE
Are you one of the weekly party groovier or clubbing? Yes it is good to have fun, but have you thought of how you spend from what you are planning for.
4. FAMILY PRESSURE
You go out to a club or party, spends less than N5k on a heavy or light lifestyle. Think of this simple math:In a week spends N5k; 4 weeks in a month
So, 5*4 = 20 (In a month, you spent N20k - not calculated for), in a year, the amount can sort some minor things for you.
One way or the oter, an average person faces the challenge of family pressure, from school fee of the children to siblings and so. Fix yourself and adjust for this.
5. BORROW TO OWN A CAR
Borrow to own a car? No you don't want to borrow to fuel it. Think of maintenance, you really won't buy the idea to borrow and get a car.
6. SPENDING ON FASHION TRENDS
You always want to look classy, ever wondered why clothe designers or maker makes you come for more, because they made it perishable so you can visit our store again.
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