112 Views

Talking Money: 8 Useful Tips To Get You Through The January ‘Brokeness’

It’s that time of the year when wallets are generally lean after the excessive spending of the yuletide season.

Yes, the holidays are over and while some smile at the photos and memories from the last few weeks, many others are grappling with an unpleasant reality – a bleeding bank balance.

With January usually comes depleted reserves which of course no one likes because no one likes to be broke. Do you find this to be the case with you? Are you weary at the thought of the long month ahead? This needn’t be the case anymore as we’ve compiled helpful tips to get you through the long days ahead.

  1. Take stock: The holiday expenses have been made already so need to cry over spilt milk. Rather, take stock of what you currently have and work a lean budget around it. Make an account of things you normally spend money on like food and recharge cards and assign a budget limit to them.

  2. Bare necessities: If it’s not food (home-cooked food at that), transport or shelter-related then its not that important, you can live without it for the next couple of weeks. This includes movie dates, outdoor dining,drinks with the guys and other such excesses.

  3. Home-cooked food: Save yourself a good deal of lunch money at work by bringing your food from home. It’s really not that hard if you put your mind to it and if you ever get discouraged, think of all the money you’ll be saving yourself by doing this.

  4. Dieting: If you’re on a weight loss mission then we assure you, there isn’t a better time than now to begin your diet. You’d be surprised at how much money goes on food and treats, so save some of that money and restrict your meal times and choices.

  5. Credit/Data Promos: Credit/data recharges are a necessary evil that have a way of consuming money. Meanwhile most networks usually have some promo or another going on. Why not take the time to call your network customer care service or visit their website and acquaint yourself with their promo offers and take advantage of the most suitable and pocket-friendly option.

  6. Sell it off: Look around your house, are there any items just lying around which could be put to perfectly good use elsewhere – over-sized shoes, that extra kitchen item gotten from a wedding or a stack of old books which you never read? Then why not sell it off to someone who actually needs them. With credible e-commerce sites likeady.ng, finding a buyer shouldn’t be too hard.

  7. Get a side hustle: Necessity they say is the mother of invention. Is there something you’re really good at? Then why not make money out of it? Who knows, you just might get a business out of it!

  8. Cut down on vices: More often than not, vices usually consume money – smoking, drinking, womanising, compulsive buying…the list is endless. So why not start the year on a clean slate by getting rid of the vices AND saving yourself some money at once.

Get the best viral stories straight into your inbox!

Don't worry, we don't spam

Leave a Comment

Your email address will not be published.

Latest Posts

Fr. Mbaka Reveals Why Atiku Should Be Nigeria’s Next President
Politics
34 views
Politics
34 views

Fr. Mbaka Reveals Why Atiku Should Be Nigeria’s Next President

PH - December 15, 2017

Rev. Fr. Ejike Mbaka, of the Adoration Ministry, has declared that former Vice President, Atiku Abubakar is the new blessing for Nigeria. He said Abubakar has what…

Caroline Danjuma Celebrates Her Ex-Husband, Musa Danjuma
Entertainment
41 views
Entertainment
41 views

Caroline Danjuma Celebrates Her Ex-Husband, Musa Danjuma

MT - December 15, 2017

It appears Caroline and her billionaire ex-husband, Musa Danjuma are friendly exes. Caroline and Musa went their separate ways in February 2016 after 10 years of marriage.…

How Police Almost Detained My Dad For Helping Boko Haram Victim – Lady Reveals
Shocking
36 views
Shocking
36 views

How Police Almost Detained My Dad For Helping Boko Haram Victim – Lady Reveals

MT - December 15, 2017

There are still good people in Nigeria. A lady has revealed how her family passed through hell in the course of helping a young man whose parents…

Bishop Oyedepo’s Landmark University Begins Rice Production [Photos]
Business
32 views
Business
32 views

Bishop Oyedepo’s Landmark University Begins Rice Production [Photos]

MT - December 15, 2017

The Vice-Chancellor, Professor Adeniyi Olayanju has reiterated the commitment of the University to becoming an incubation centre for Agripreneurs and agricultural practitioners as catalysts for national economic…

Here’s NNPC Boss, Baru’s Reaction To Report Linking Kyari To N50bn Funds Kept Away From TSA
Politics
43 views
Politics
43 views

Here’s NNPC Boss, Baru’s Reaction To Report Linking Kyari To N50bn Funds Kept Away From TSA

MT - December 15, 2017

Below is a full statement from the Nigerian National Petroleum Corporation, NNPC; "The Nigerian National Petroleum Corporation (NNPC) has disclaimed the allegation that its Group Managing Director,…

Benue State House of Assembly Confirms Idoma Man As Chief Judge
Politics
33 views
Politics
33 views

Benue State House of Assembly Confirms Idoma Man As Chief Judge

MT - December 15, 2017

Benue State House of Assembly on Friday confirmed Justice Adam Onum as the new Chief Judge of the State. The confirmation of Justice Onum came after the…

Mr Eazi Builds Borehole For A Village To Promote “Pour Me Water” His New Song
Entertainment
41 views
Entertainment
41 views

Mr Eazi Builds Borehole For A Village To Promote “Pour Me Water” His New Song

MT - December 15, 2017

Few Weeks ago Mr Eazi dropped a new song titled 'pour me water', a week past he complained of low download of the song on Twitter, And…

This ONE Campaign Documentary shows the Deplorable State of Nigeria’s Primary Healthcare
Food and Health
41 views
Food and Health
41 views

This ONE Campaign Documentary shows the Deplorable State of Nigeria’s Primary Healthcare

PH - December 15, 2017

Earlier this year, Kannywood Star Ali Nuhu and the ONE Campaign visited Kantudu community in Kano where they experienced first-hand, the stark reality of the health care crisis in Nigeria. In…

Childhood Throwback Photo Of Herbert Wigwe, CEO Of Access Bank PLC
Best of Nigeria
33 views
Best of Nigeria
33 views

Childhood Throwback Photo Of Herbert Wigwe, CEO Of Access Bank PLC

MT - December 15, 2017

The amazing throwback photo of Access bank Ceo, Mr Herbert Onyewumbu Wigwe was shared on social media. Access bank via Facebook page, posted this photo and captioned it  #ThrowbackThursday. Hey…

The Beatz Awards 3 Celebrates Creative Minds in Music Production and Business
Entertainment
37 views
Entertainment
37 views

The Beatz Awards 3 Celebrates Creative Minds in Music Production and Business

PH - December 15, 2017

Nigeria’s hottest recording professional and business executives are again going to be honored this year, as Eliworld International Limited presents “The Beatz Awards 3.” This year, The Beatz…

“He Saw My Picture And Slid Into My DM” – Instagram User Shares Love Story
Inspiring
47 views
Inspiring
47 views

“He Saw My Picture And Slid Into My DM” – Instagram User Shares Love Story

MT - December 15, 2017

Temitope Atanda shared her love story of how her fiance slid in her dm ” He saw a picture of me reposted by @hijablovers and he sent…

These Are The 15 Safest 2018 Cars So Far – According to IIHS
Technology
33 views
Technology
33 views

These Are The 15 Safest 2018 Cars So Far – According to IIHS

MT - December 15, 2017

The Insurance Institute for Highway Safety (IIHS) has revealed the safest 2018 vehicles. Good headlights and passenger protection are now added criteria as some manufacturers don't pay…

PHOTOS: Pastor Adeboye, Nathaniel Bassey And Aregbesola Attend Presidential Christmas Carol
Politics
48 views
Politics
48 views

PHOTOS: Pastor Adeboye, Nathaniel Bassey And Aregbesola Attend Presidential Christmas Carol

MT - December 15, 2017

Pastor Adeboye of RCCG, Nathaniel Bassey, Osun state Governor Aregbesola at the Presidential Christmas carol at the Villa Banquet Hall, Abuja hosted by Vice President, Osinbajo.

‘I And Jude Own Squareville’ – Paul Okoye Speaks On Decision To Sell Mansion
Entertainment
60 views
Entertainment
60 views

‘I And Jude Own Squareville’ – Paul Okoye Speaks On Decision To Sell Mansion

MT - December 15, 2017

Paul Okoye has spoken about the decision to sell their mansion, Squareville stating that the building is owned by himself and Jude Okoye, his elder brother. This…

Ada Mike‎; Hardworking Nigerian Lady Assembles Keke Napep In Anambra State (Photos)
Best of Nigeria
50 views
Best of Nigeria
50 views

Ada Mike‎; Hardworking Nigerian Lady Assembles Keke Napep In Anambra State (Photos)

MT - December 15, 2017

The popular saying 'what a man can do, a woman can do better' appears to have been confirmed by this hardworking and determined Nigerian lady, Ada Mike‎,…

2019 Elections: Buhari/Osinbajo Endorsement Posters Flood Abuja
Politics
38 views
Politics
38 views

2019 Elections: Buhari/Osinbajo Endorsement Posters Flood Abuja

MT - December 15, 2017

Major streets of Abuja were on Thursday adorned with campaign posters endorsing President Muhammadu Buhari and Vice President Yemi Osinbajo for reelection in 2019. The posters were…

President Buhari Returns To Abuja From Paris (Photos)
Politics
45 views
Politics
45 views

President Buhari Returns To Abuja From Paris (Photos)

MT - December 15, 2017

President Muhammadu Buhari has returned to Abuja after participating at the One Planet summit in Paris, France. The president’s aircraft landed at the Nnamdi Azikiwe International Airport…

How We Created 2,324 Entrepreneurs – Governor Okowa of Delta State
Business
42 views
Business
42 views

How We Created 2,324 Entrepreneurs – Governor Okowa of Delta State

PH - December 15, 2017

Delta State governor, Dr Ifeanyi Okowa, has reeled out the achievements of his administration in job creation in what appears to be a scorecard of his administration’s…

Loading...