ADVICE NEEDED
I need a suggestion/advise please....
I am a 42 year old lady.No marriage or child.
I am not even making headway in my career, maybe due to being unhappy I cant really say.
I have a Bsc and Masters in Business Administration and I am currently working in a cooperative firm earning less than N300k with no pension.
However,I currently have about N6,250,000.
What do you guys suggest I do to better my life?.Also if I can relocate, what country can I go with such small fund.
What you have is about 2k euros.............what is that? You will need about 3m to process travel documents and buy your ticket and the rest will not even last up to a month abroad.......Your money will make sense in Nigeria....
Are you unhappy cos of no husband? No child? or no progress in career? My dear take it easy and take one day at a time, nothing is too late so dont waste time being on happy over what you cannot control......
In a country where over 95% of Nigerians have less than 500k in their account, you have that amount and you are still beating yourself up. Invest that money in a passive income source that won't keep you up at night.
ReplyDeleteWith your working experience so far, I believe you can seek for more opportunities up the ladder in a different firm from yours.
Money or not, husband or not, child or not, let nothing take away your joy. Live your life to the fullest and be thankful for what God has brought your way so far. I believe God is not done with you yet.
Yes. Passive and safe investment like Federal Government of Nigeria backed Treasury Bills.
DeleteIt gives better interest yield than savings and fixed deposit investment.
Poster, the wearing of sadness and the feeling of being an underachiever is like using a high perfumed roll-on. And they repel go-getters - the kind of people usually sought. So, Poster be careful.
If you want to do a side business with the money you saved;learn about it very well first from someone good at it;because if you don’t;you would make mistakes;and for every mistake made in active business;the price to pay is with cash;YOU WOULD LOSE MONEY.and it’s very painful..
ReplyDeleteIf you want to travel;truth is if it’s Europe,Canada,America or the other top tier countries;that money won’t do much..you would be stuck financially on the process even if you aren’t using an Agent..
Lastly;if you intend to travel;let it be with the education route;or a Valid work visa(search for jobs yourself;it would take time but you would get)..
Don’t go to any of those countries I mentioned above with a Tourist,conference,visitor or any of those short term stay visa;you would SUFFER and your tears would be premium;compared to whatever you are going through currently in Nigeria..
Legalise and authenticate your school degrees if you want to use the education route;then do your research on schools you can go to;apply and pray for a good news;God would sure do
It for you..
If you don’t listen to this advice;and use any of those short term visa to travel;note that you CANT work;and you would have to seek Asylum;and that process is not easy..it runs into years;and could still be denied..
This is just a summary;and I hope this helps.
@MARTINS
Poster 🫂
ReplyDeleteSuccess in life to Me is how you view/ rate yourself. Some you may think have all they need but Ironically not 'happy'in that state.
Happiness is a state of Mind you create yourself 'Intentionally'
No matter the situation now. Have faith in God, Keep hope alive, take one day at a time. Try to make yourself happy. Wahala no dey finish !
The first thing you need to do is open a voluntary pension account with any Pension Fund Administrator (PFA). There are many of them in Nigeria. Google popular PFAs in Nigeria. Them no pay Stella so no free ad for them! Lol! Put 50% of the money you have in there and ask for your Voluntary Pension Account to be classified in Fund 1 so it’ll yield higher return for you. Make sure you make monthly payments into the account o! Since you don’t have kids and you haven’t stated what your family situation is, making sure you have a pension/income in your old age is a BIG PRIORITY! We no get social services for Naija!
ReplyDeleteThe second thing you need to do is… and this is really hard… STAY POSITIVE! Weeping may endure for the night but joy comets in the morning. So many people (myself inclusive) have been able to turn their lives around - even after 42! Colonel Sanders of Kentucky Fried Chicken is an example. Trust in God and take your cares to Him- He is an awesome God and a kind King. He gives His children the good of the land! You only have to believe to receive it!
Wake up everyday feeling grateful, there are people younger, older or even your age that are in much worse situations. Gratitude is (to me the first step to elevation), be grateful that you are in good health, have a job - even though the pay seems small, imagine if you didn’t have one. How would you eat or even send an email saying you are not happy? Happiness is a choice. It’s important to be happy because when you are, there’s an inner glow that makes you beautiful and even more attractive than you already are. Walk with your shoulders straight and try to network. I understand there are online dating forums and even apps. Try a dating app, meet somewhere public for one drink. Make this a rule: tell a potential date that you’d like to meet up for a drink- buy him one and ask him to buy you one. Try to learn something new everyday, no matter how small it is. You don’t need to pay for any expensive courses. It could even be talking to people who are doing business, see what interests you and ask them about it to gather information so you can equip yourself with baseline information if you want to start a business. You can also speak to a stock broker and consider investing 1m of your saved funds in dollar denominated securities to hedge against inflation. Keep reading and actively seeking ways to sharpen your skills!
This was beautifully written with great advice💯
DeleteGood advice from Martin's if you have a strong spirit you can do under the table nanny work livein for six months go back spend 2 weeks and return this scope is long I know people doing tho
ReplyDeleteMy dear you have what most people are desperately looking for.
ReplyDeleteYou are a graduate.
You have MBA
You are earning 300kk per month which is level 12 salary in civil service.
You have 6m+ when most people go to bed without knowing where the next meal will come from..
You have done your part the ones remaining is what only God can do and it can happen in a day.
Be hopeful..Make yourself happy. If you have all these things and you are not happy, how sure are you that getting married and having a child or children will make you happy?. Sis be intentional about your happiness.
First give gratitude a change. Thank God for the once you have and then ask for the ones you don't have.
you have such money but still remain unhappy because you are not married or have a child. Maybe you should buy yourself a husband or go get some sperm from the sperm bank and birth a baby since that is what you will have before you can be happy. Invest with your money and never allow husband or children be your happiness.
ReplyDeleteInsensitive!
DeleteI would suggest you find that one thing you are really good at. You are definitely not cut out for what you are doing right now. There are people who worked till when they were even 65 before they got that one thing that made them tick. One of them is Col Sanders. I don't know if it is food you can cook very well. Whatever it is, you can turn it into a business. There's a book by Dr Myles, Overcoming crisis. In the chapter of work vs job, he made mention of a cookie lady. You should order the book and read it. She used to be a cleaner in the hotel Dr Myles came to minister that particular year. She was at the section when he was preaching. That was how the woman got a light bulb moment. A year later when Dr Myles returned to same hotel for same conference, she looked like a million dollars.
ReplyDeleteSo, ask yourself, "What is that one thing I am really good at?" There's difference between a work and a job. No one can employ a bird for flying. May the Lord give you understanding.
It's well with you poster. Try and focus on the positive side of your life. You're not sick or bedridden. Try and build your career and be happy about it. 🙏🏿🤗
ReplyDeleteOnly God can give you happiness and it comes from within. If you aint happy , it will also affect the way you look and your work negatively. Always try and tell yourself at least you have a job, some in this situation dont have a job or money in their account. Be grateful and live your life like you dont have a problem...really you dont. Have you tried online dating sites.. it works for some people but be careful, give yourself treats once in a while, go site seeing , join a group in church, and dont always stay indoor.. What God will do he will do at the right time.
ReplyDeleteI saw a woman live that gave testimony of getting married for the ist time in her life at 55 years old ( not wishing this for you)she is a rich woman, dedicated to the things of God and trained other children. And when God came through for her it was like a dream. If you want to go into any business, please learn it well before leqving your job and if you want to travel make proper enquiries and plan well. I wish you well..
You can set yourself up as a consultant, this will cost nothing because you don’t need an office to be a consultant and you can do it on the side and take only the jobs you’re interested in, all while still maintaining your full-time work. Learn another international language if you don’t have one yet, Spanish, French, or Mandarin, this is to allow you to deal with other international clients for your consultancy, or potentially put you in a government ministry at a higher level and salary. Adopt a not so young child, maybe 6 or so, where they are in full-time school, go to different orphanages and let the child choose you, it will be clear to you because you will feel the connection. You can still adopt a baby if you want to deal with the full process, that is your choice. There have been stories of women meeting their husbands after adopting. But do not focus on that, just focus on being a mother and taking on that most important God ordained role in a young person’s life.
ReplyDeleteNigeria has its own bullshyt but every country has theirs too, there is no perfect country anywhere. Look at the west right now, would you really want to move to any of these countries that are topsy turvy right now? The one that I live in food prices alone will reset your brain and there are no market women to haggle prices with. Better you deal with the devil you already know. Look into the investments options other BVs have suggested and be proud of your accomplishments, you did it with the sweat of your own brow and as a single woman. Be thankful. Put God first and crave God more than the fleeting happiness of the world and bigger things will even come your way. Enjoy your life, you have not wasted your 42 years, just remember that.
You are clearly good at saving. You can become a savings coach as a side hustle. Look for digital products you can create and sell online. Your happiness comes from within o, not from a man or from having a child.
ReplyDeleteI pray God grants you all the desires of your heart. You can invest it in money market funds and see what it will yield for you
ReplyDeleteGo online and find yourself an abroad
ReplyDeleteNigerian man in Nigeria are not very receptive of over 42
But when you open up your location options, you’ll probably find more interest
I think you need to move out of your current environment
Let no one lie to you though you are doing very well financially
I know you want more but honestly thank God
Seek out a mentor to help you get where yuh want to go
No dash man money….unless the lord leads
Na dat one yo pain you pass…