Definitely a must read if you are a civil servant and dont know what you should do!
1. Build a home earlier if you have the opportunity. Don't eat with your ten fingers. Be it rural home or urban home. Building a house at 60 or 65 is not an achievement. Don't get used to government or company's accommodation. This comfort is so dangerous. Let all your family have good time in your house.
3. Don't chase promotions. Master your skills and be excellent at what you do. If they want to promote you, that's fine if they don't, stay positive to your personal.
development. Do not lobby for a post or an office because of the benefits attached to it , be contented with where you are .
4. Avoid office or work gossip. Avoid things that tarnish your name or reputation. Don't join the bandwagon that backbites your bosses and colleagues. Stay away from negative gatherings that have only people as their agenda.
5. Don't ever compete with your bosses. You will burn your fingers. Don't compete with your colleagues, you will fry your brain.
6. Ensure you have a side business. Your salary will not sustain your needs in the long run.
7. Save some money. Let it be deducted automatically from your payslip and invest it wisely.
8. Borrow a loan to invest in a business or to change a situation not to buy luxury. Buy luxury from your profit.
9. Keep your life,marriage and family private. Let them stay away from your work. This is very important.
10. Be loyal to yourself and believe in your work. Hanging around your boss will alienate you from your colleagues and your boss may finally dump you when he leaves.
11. Retire early. The best way to plan for your exit was when you received the employment letter. The other best time is today. By 50 to 55 be out and highest be out at 60 .
12. Join work welfare and be an active member always. It will help you a lot when any eventuality occurs.
13.Take leave days utilize them by developing your future home or projects..usually what you do during your leave days is a reflection of how you'll live after retirement..If it means you spend it all holding a remote control watching series on DSTV, matches expect nothing different after retirement.
14. Start a project whilst still serving or working. Let your project run whilst at work and if it doesn't do well, start another one till it's running viably. When your project is viably running then retire to manage your business. Most people or pensioners fail in life because they retire to start a project instead of retiring to run a project.
15. Pension money is not for starting a project or buy a stand or build a house but it's money for your upkeep or to maintain yourself in good health. Pension money is not for paying school fees or marrying a young wife but to look after yourself.
16. Always remember, when you retire never be a case study for living a miserable life after retirement but be a role model for colleagues to think of retiring too.
17. Don't retire just because you are finished or you are now a burden to the company and just wait for your day to die. Retire young or whilst energetic to enjoy waking up for a cup of coffee, enjoy the sun, receive money from your business, visit nice place that you missed and spend good time with family. Those who retire late, spend about 95% of their time at work than with their family and that's why they see it difficult to spend time with their family when they retire but end looking for another job till they die. If they don't get another job, they die early.
18. Retire at your house than at government or company's accommodation so that when you retire you can easily fit into the society that raised you. It's not easy to adjust to live in a location after spending more years at company house or at government house.
19. Never let your employment benefits make you forget about your retirement. Employment benefits are just meant to make you relax, get finished whilst time is moving.
Remember when you retire no one will call you boss if you don't have a viable business.
20. Don't hate to retire because one day you will retire either voluntarily or involuntarily.
Note: Hope this will help you look at life positively and plan accordingly. Things have really changed but always pray for easy exit / retirement from the services with a better life afterwards....
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Good advice meant for everyone not civil servants alone.
ReplyDeleteHeadline read civil and public servants already.
Deleteso on point
ReplyDeleteToo many advice leads to confusion, besides we don't plan in my country, the country force her plans on everyone.
ReplyDeleteThis is for me, a lazy civil servant that is always procrastinating.
ReplyDeletebeautiful writeup.
ReplyDeleteFor every salary earner.
ReplyDeleteStella this is so thoughtful of you. If they should follow this, it will lead to a peaceful and enjoyable retirement.
ReplyDeleteBuilding a house at any age is an achievement. Not everybody get same timeline or opportunity in life. Any improvement at any age will bring joy to the soul and still an improvement.
ReplyDeletePeople should retire if and when they feel like it. I love my work, it fulfills me, and I do not want anyone to tell me to retire.
A lot of this advice is foolishness and from the mind of a myopic and judgemental individual.
What I got from the writer is that it's best to build your house early while working and not wait for gratuity when you retire to build. It's sound advice if you have taken time to observe many civil servants. They stay tenants all through instead of buying a land even if in a remote area and build. At the end of the day, their gratuity if it comes may not be enough to build that house.
DeleteAlso retiring early is good. What's not to love about retiring early and doing fun stuffs like traveling the world? It's only in this part of the world that we work till we drop dead, no holidays,no vacations,just work,work work. People even lower their ages to stay more in the civil service. If you build a side business, what prevents you from retiring early🤷. Even if you love the work so much, you can work part time and use the rest of your time for other enjoyable activities.
16:56, I get what you are saying, but the writer is still full of cow dung. Anybody can travel the world while they are still young, you don’t have to retire first to do it. I was just here thinking if I should take my nieces on a summer vacation this summer.
DeleteYes, build your house early if you see money to, but what if you didn’t and can only start building later in life, it is still a big achievement. Nobody should be made to feel bad about their achievements because it came on a different timeline. This person talking about it’s not at achievement, and I am here to say no beech, even if it didn’t get done until you are 80, it is still and achievement and nobody can steal your legacy.
Let's be honest. How much are they legitimately paying in civil service that would enable one to take care of family need AND build a home considering the economic situation of this country? Majority if not all of the Civil servants living large or able to build houses and businesses is through unethical means. Even employment as a Civil Servant is by who you know, not by best qualified.
ReplyDeleteI sincerely feel for us in this generation by the time we are forced to retire. Even me that is single, with the family responsibilities on my head over the past years, I barely have enough to save toward buying land not to talk of building house. By the time you pay for rent, school fees, feeding, clothing, etc, money don finish. It is well.
Thank you! They need to go jump in a swamp with this some of their advice they out here giving to ppl without looking at the full picture. It was right here that bv’s had to lambast governors to pay civil servants, some who had not been paid for over a year.
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