5 easy ways to survive through the rest of January

5 easy ways to survive through the rest of January

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5 easy ways to survive through the rest of January
<p class="">It’s definitely not to easy to survive the financial difficulties the first month of the year comes with but we promise you it can be done.</p> <p class="">December is a fun month filled with loads of buying/getting gifts, parties, cool hangouts with friends and family. As you can imagine, a lot of money is […]
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<p class="">It’s definitely not to easy to survive the financial difficulties the first month of the year comes with but we promise you it can be done.</p>

<p class="">December is a fun month filled with loads of buying/getting gifts, parties, cool hangouts with friends and family. As you can imagine, a lot of money is spent during this period.</p>

<p class="">As such, the next month - January - isn’t quite as fun especially for salary earners who struggle to get through it without drowning in loans.</p>

<p class="">With two weeks gone and three ahead, it’s important to adopt the following tips. Here is what you need to do in order to survive the rest of the month. </p>

<h1>Figure out exactly how much you have left</h1>

<p class="">The first thing to do is calculate how much you have in your account. Figure that out and write it down.</p>

<h1>Make a plan</h1>

<p class="">Once you know how much you have left, you need to make a plan. This budget should cover your daily and weekly expenses. Make sure you abide by it. Apps like <a href="https://www.pulse.ng/bi/lifestyle/product-review-5-great-apps-to-help-you-manage-your-money-id9097995.html" id="8ee7641c-2c04-463f-a97a-031f4bad8979">Wally and Unsplurge</a> are really helpful.</p>

<figure class="image" align="center"> <img src="http://ocdn.eu/images/pulscms/Y2Q7MDA_/b819b1376f450db360ba62e4ac18bb9c.jpeg" alt="3 steps to building a budget"> <figcaption>3 steps to building a budget</figcaption> </figure>

<p class="">ALSO READ: <a href="https://www.pulse.ng/bi/strategy/strategy-7-practical-tips-you-need-to-become-a-pro-at-budgeting/zk58nlt" id="d97a9d1c-025b-46a4-85c8-0c4296dff54d">7 practical tips you need to become a pro at budgeting</a></p>

<h1>Cut back on your spending</h1>

<p class="">This is not the time to spend excessively so cut back on certain luxuries. For instance, you can try using public transportation instead of <strong>Uber</strong> or <strong>Taxify. </strong>Only buy and spend on what you need not what you want. </p>

<h1>Stop eating out</h1>

<p class="">Eating it out is one of the easiest ways to<a href="https://www.pulse.ng/lifestyle/money/financial-freedom-5-easy-ways-to-avoid-overspending-and-save-more/n9c11rk" id="dada3033-0926-4bd5-b04a-893a9e0bd088"> overspend your money</a> and end up broke. This is why you need to stop eating out for the rest of the month and start cooking instead. This will help you save some money. </p>

<figure class="image" align="center"> <img src="http://ocdn.eu/images/pulscms/MjY7MDA_/f3922facaecabc642d0dc6642e2e0aa0.jpg" alt="African American Couple Cooking in the Kitchen [Credit: Shuttrestock]"> <figcaption>African American Couple Cooking in the Kitchen [Credit: Shuttrestock]</figcaption> </figure>

<h1>Use cash not credit card</h1>

<p class="">A great way to control your spending is to replace your credit card with cash. A credit card is extremely easy to use which is why a lot of people tend to overspend without even thinking about it. Cash, on the other hand, isn’t that easy. Having to first withdraw it than count it before giving it to the cashier forces you to see and think about what you are doing. Trust me, few things are as painful as having to hand over your hard-earned cash to someone else.</p>

EU election report: Straight from Janus!

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EU election report: Straight from Janus!
JANUS was the Roman mythological god that had two faces, front and back. One looked back into the past, with the other gazing forward into the future. Heaven helps you if you lost your way and ran into Janus at a crossroads. He would blight your plight. Continue reading EU election report: Straight from Janus! […]
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State police a nullity without constitutional amendment- Gusa, ex- Benue AG

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State police a nullity without constitutional amendment- Gusa, ex- Benue AG
Mr. Michael Gusa, is the immediate past Attorney- General and Commissioner for Justice in Benue State. In this interview, he spoke on many issues, including the agitation for the creation of State Police in the country, the amendment of the Electoral Act, the Nigeria Financial Intelligence Unit’s directive on financial autonomy for local governments, the […]
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INEC presents certificate of return to Niger senator

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INEC presents certificate of return to Niger senator
The presentation follows a judgement delivered by the Supreme Court last week. The post INEC presents certificate of return to Niger senator appeared first on Premium Times Nigeria. Related
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JUST IN: Kidnapped ex-minister’s son freed

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JUST IN: Kidnapped ex-minister’s son freed
Dayo Adewole was kidnapped on Tuesday in Oyo State. The post JUST IN: Kidnapped ex-minister’s son freed appeared first on Premium Times Nigeria. Related
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Police dismiss UK report, say Nigeria is very safe to live in

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Police dismiss UK report, say Nigeria is very safe to live in
Inspector General of Police, Mohammed Adamu Police public relations officer, Frank Mba on Wednesday dismissed claims that Nigeria is unsafe, saying it is one of the most beautiful places to live in. This follows a publication by the UK authority warning it’s citizens to stay away from 24 Nigerian states. However, Mba dismissed the statement […]
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Nigerian Newspaper Headlines Today: 20th June 2019

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Nigerian Newspaper Headlines Today: 20th June 2019
These are our top headlines from Nigerian Newspapers for Today, Thursday,20th June 2019: Must Read: Confessional Statement Of A Nursing Mother Caught With AK47 Rifles The Ogun state police command has arrested a nursing mother for being in possession of one AK 47 rifle and 18 live ammunition. According to the woman who was paraded at […]
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“Ello Baby” – Young Jon x Tiwa Savage x Kizz Daniel

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“Ello Baby” – Young Jon x Tiwa Savage x Kizz Daniel
“Ello Baby“, Tiwa Savage x Kizz Daniel and Young John the Wicked producer teams up for this new Banger! This new single tagged “Ello Baby” was actually inspired by music producer and serial hitmaker, Young John. He made a monster beat and linked with Tiwa Savage and Kizz Daniel for a superb combination. Number 1 […]
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APC Governor speaks on Buhari’s ministerial list

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APC Governor speaks on Buhari’s ministerial list
<p class="">President Buhari is yet to send a list of ministerial nominees to the Senate for confirmation weeks after his swearing in for a second term in office.</p> <p class=""><strong>Governor Atiku Bugudu of Kebbi state has reacted to claims that </strong><a href="https://www.pulse.ng/news/local/buhari-may-appoint-ambode-bindow-and-abubakar-as-ministers/gw719jj" id="729a3aac-07ce-4935-b7fc-e687b0ed736c">they have a role to play</a><strong> in the nomination of persons to President […]
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Court sentences baker to 13 years’ imprisonment for raping teenager

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Court sentences baker to 13 years’ imprisonment for raping teenager
<p class="">A Lagos State High Court in Ikeja, on Tuesday, June 19, 2019 sentenced a 22-year-old baker, Lawal Kamoru, to 13 years imprisonment for sexually molesting a 14-yr-old girl.</p> <h1>Kamoru was found guilty of the one count of defilement levelled against him by the state following Justice Raliat Adebiyi’s judgement.</h1> <p class="">The incident had happened […]
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Ex-micro finance bank MD arraigned over alleged N107m fraud

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Ex-micro finance bank MD arraigned over alleged N107m fraud
<p class="">One Mr. Chijioke Mbagwu, a former Managing Director of Imperial Micro Finance Bank, on Wednesday, June 19, 2019 appeared before a Federal High Court in Lagos to answer to fraud allegations leveled against him.</p> <h1>NAN report has it that Mbagwu is being prosecuted by the Federal Ministry of Justice on 14 counts of fraudulent […]
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PDP, Ashiru beg Tribunal for adjournment to tackle stress

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PDP, Ashiru beg Tribunal for adjournment to tackle stress
<p class="">Mr. Elisha Kurah (SAN), lead Counsel to the Peoples Democratic Party (PDP) and its Governorship Candidate in the March 9 poll in Kaduna State, Alhaji Isah Ashiru, on Wednesday begged for long adjournment to allow the team of counsel time to rest.</p> <h1>The News Agency of Nigeria (NAN) reports that Kurah, who vividly looked worn-out, […]
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Gov. AbdulRazaq laments deplorable condition at NYSC Orientation Camp in Kwara

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Gov. AbdulRazaq laments deplorable condition at NYSC Orientation Camp in Kwara
<p class="">Gov. AbdulRahman AbdulRazaq of Kwara has expressed his displeasure at the deplorable condition of facilities at the NYSC Permanent Orientation Camp, in Yikpata, Edu Local Government Area of the state.</p> <h1>The governor, who made unscheduled visit to the camp on Wednesday, described the orientation camp as a “penitentiary that is not fit for human […]
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