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>

Tekno – “Woman”

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Tekno – “Woman”
Former Triple MG super act, Tekno now Cartel C.E.O kick starts the new year and record label with a smashing single titled “Woman“. On this record Tekno put more lights on the importance of Woman and her potentials. The talented singer sings that Women should not just be restricted to the Kitchen alone as they […]
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Koker – “Happy”

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Koker – “Happy”
Talented songwriter, Koker also known as Koke Boi kicks off the year with a brand new single titled “Happy”; a follow up to ‘Daddy‘. The Tiwezi-produced track will be part of his forthcoming project ‘La Vida Koker’ which features M.I Abaga, Falz, Vanessa Mdee, and others. Listen and feel “Happy” below http://tooxclusive.com/wp-content/uploads/2019/01/Koker-–-Happy.mp3 DOWNLOAD MP3 The […]
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Jaystuntz x Flavour x Zoro x CDQ – ‘Isi Ewu’

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Jaystuntz x Flavour x Zoro x CDQ – ‘Isi Ewu’
Prolific Hitmaker Jaystuntz is set to drop his 1st project this year, a 10 tracked mixtape, which features superstars like Flavour, Duncan Mighty, Zoro, CDQ, Shatta Wale, Phyno, Sarkodie, Runtown, Timaya, and a host of others. This is the first single off the project which is also available on music stores worldwide. Download and Enjoy […]
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INEC begins ward level distribution of 190, 000 unclaimed PVCs in Sokoto

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INEC begins ward level distribution of 190, 000 unclaimed PVCs in Sokoto
<p class="">The Independent National Electoral Commission (INEC) has urged eligible voters to present themselves at political wards for collection of Permanent Voters Cards (PVCs) across Sokoto state.</p> <h1>The Resident Electoral Commissioner (REC), Mr Musa Sadiq, made the call at a stakeholders meeting on Thursday in Sokoto, adding that the collection would not be through proxy.</h1> […]
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INEC releases final list of candidates for national election

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INEC releases final list of candidates for national election
<p class="">The Independent National Electoral Commission (INEC) on Thursday released final list of candidates for the Presidential and National Assembly Election, scheduled for Feb. 16.</p> <h1>The list published on INEC official website was signed by the Secretary of the Commission, Mrs Rose Oriaran-Anthony.</h1> <p class="">The candidates and their running mates include President Muhammadu Buhari and […]
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Tekno may be launching own Record Label “Cartel” with New Single

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Tekno may be launching own Record Label “Cartel” with New Single
Singer Tekno has been teasing his new single “Woman” on his Instagram, sharing that it’ll arrive on Friday. But even before then, he’s been teasing something else, something called “Cartel.” The singer, who’s been away from the airwaves due to a temporary damage to his vocal box, shared a photo the word imprinted on a letterhead. […]
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Atiku visits U.S, meets with Nigerians Living in Washington

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Atiku visits U.S, meets with Nigerians Living in Washington
The People’s Democratic Party (PDP) presidential candidate Atiku Abubakar is according to The Cable on his first visit to the United States in 13 years. Atiku, together with the DG of the Atiku Presidential Campaign Council, Bukola Saraki, arrived the Washington Dulles International Airport. Just arrived at Washington Dulles International Airport, U.S.A with Alhaji @Atiku Abubakar. pic.twitter.com/A74uNHNeYl — […]
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Minimum Wage: Consultation moves to Council of State

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Minimum Wage: Consultation moves to Council of State
Government vows to present the bill to the National Assembly by January 23. The post Minimum Wage: Consultation moves to Council of State appeared first on Premium Times Nigeria. Related
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Adorable photos of a Nigerian couple who met as kids at a wedding

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Adorable photos of a Nigerian couple who met as kids at a wedding
A Nigerian couple are currently trending on the internet for their amazing love story and it is simply amazing! While some people spend a lifetime searching for the right one, some have been quite lucky with love as is the case with this beautiful Nigerian couple who met as kids. The beautiful thing about love […]
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Pro-democracy group hails Buhari’s performance at Town Hall meeting

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Pro-democracy group hails Buhari’s performance at Town Hall meeting
A pro-democracy group, Democracy Support Coalition, lauded President Muhammadu Buhari for his sterling performance at the Town Hall meeting organized and broadcast by the Nigerian Television Authority (NTA) tagged ‘The Candidates’. President Buhari, who appeared on the programme with Vice President Yemi Osinbajo, highlighted some of his achievements since assuming power in 2015. The group […]
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Okowa bags “Governor of the year award “

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Okowa bags “Governor of the year award “
DELTA State Governor,  Senator Dr Ifeanyi Okowa  yesterday  emerged “Governor of The Year, 2018” for his diligent delivery of democratic dividends and working to make Nigeria’s democracy better. Continue reading Okowa bags “Governor of the year award “ at Vanguard News Nigeria. Related
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VIDEO & AUDIO: Jon Zest – ‘Pom Pom’

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VIDEO & AUDIO: Jon Zest – ‘Pom Pom’
Idoko John aka Jon Zest is a Rapper and a Singer, born in Ogbadibo Local Government Area of Benue state. He was born on the 21st of June 1997. He started his music career in the year 2014; His new track Pom Pom was produced by “The cap music” in house producer “Killertunes” and the […]
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