While the half-a-year post is still ongoing (very slowly because of my laziness), I decided to drop my comments on surviving with 33k (even less after removing tithe), which of course, I have concluded is impossible! Thus the necessity of having more than one source of income to survive is paramount.
Ps: this is in no way spiting people who actually survive on 33k and less because there are people out there who can do this because it is all they have.
Now, on to today’s matter!
As a youth corper, it is a privilege to receive 33k from the government as a monthly allowance all through your service year, even if the value of naira is by no means encouraging.
So I decided to chart out my months’ plan based on 33k without considering my stipends from my place of primary assignment.
Since I live and work on the mainland, the maximum transport I’d spend to and fro daily to work is 400, minimum 300 Naira.
I stay with family, so I will not consider rent because if I do, the impossibility would be too crazy.
Out of this 33k, let’s say 10k max is for feeding, inclusive of going to the market to get bare necessities of cause, and out of the remaining 23k, 9,600 is allocated to transportation.
Ps: other ppl use more than 400 Naira for transportation. This discussion does not even consider our island workers who live on the mainland because, with 33k, it is impossible!
So let’s say we currently have 13,400 left. Remember 3,300 is your tithe, so all you’ve got is 10,100 Naira.
For your light bills, water bills, other weekend transport fares for those who attend fellowship and Sunday services or to the mosque for Jumat on Fridays for the Muslims, don’t forget your data and credit bills, say maximum 6k. So 4,100 naira as a prudent person should be in your savings, especially because unexpected stuff can pop up. (the 100 naira is for those bank charges that makes us cry)
With this weirdly set-out plan, reality comes crash landing the first day when Lagos traffic speaks its mind, and thus transport fares increase. Next, the weather decides to praise the Lord and thus showers us with blessings. From this, one of two things happen. You either trek home because the traffic is terrible and there are no empty buses to board, or you wait till it’s really late and get a bus or taxi at a very high price.
If you trekked under the rain, only one thing happens. You catch a cold, fall ill, and your savings go to the pharmacist or the doctor. (i once trekked a mad ass distance during the last heavy downpour in Lagos, and I fell ill the next week, it wasn’t funny).
So, this is why if you ask a youth corper “how far government pikin?” a week into receiving their allowance, the common response would be, ‘it is well, “God dey our side,” “baba pls bless our hustle.” (pikin: a local term used to refer to a child. can also be used to refer to a young person -youth- by friends or family)
Now tell me, where is the enjoyment?
I only listed two scenarios. I didn’t even talk about those days you don’t pack lunch from home because it is tough to do that daily. You decide to buy food and water outside, or the days when the bus conductor refuses to give you the balance of your T-fare or cutting and making your hair (are you not going to groom yourself?), or the days when you say you know what F++k it, then mistakenly blow the little plan because of frustration!!!
All these thoughts got me thinking, after service year, Next Job + hard work+ extra handwork has to be equal to what we call Life because 33k is an “ON GOD” situation!
Tell me what you think, and if possible, draw out your plan based only on
#If all I had was 33k
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I get unnecessarily moody anytime I remember my financial life generally. I know God is with us on this and He will help us through
My dear, it is really On God!
Well said IY #talesof33k…. First things first to understand the whole 33k package just know that inflation and the value of naira are in total opposite direction i.e on a rational scale 33k ain’t even up to $100 dollars.
But regardless thats a Story for another day
There’s a bright side to errthing and better days ahead
This is only a stepping stone.
it’s really a story for another day. that is why I did not even discuss it. I’d definitely love to post ur content on that topic under my research category. if you’re interested buzz me any time.
This bright side we look forward to is what makes us set plans. burrrrrtttt, life happens every day!!! ON GOD my dear, ON GOD. lol
It’s actually impossible to survive with 33k with the current situation of naira. Having multiple sources of income is the key to success currently. Let’s keep hustling and put our faith in God. We go make am
Yes oh! we go make am!!!
The painful thing now in Nigeria is that almost all employers believe in the 8hours a day working schedule. You spend most of the day in just one place of employment. Lowkey, I am starting to envy teachers.
Speaking of heavy downpour, it’s raining cats and dogs rn, and because of this the bike charge from my estate to the bustop is now N300, just the stop and that’s almost equivalent to Zoe’s daily tfare, so this is a serious problem surviving
But as a Nigerian we have that we move mindset, because we try to make the best out of any situation…
We move
You can imagine! To think that naira is now 530 to a dollar!.
I’ve always wanted to ask this question; why do we treat ourselves so badly? I don’t see any reason why individuals decide that t-fares must increase once it rains. it’s like an automatic thing.