Here are some budget hacks to help you save money:

Tracking and Planning
1. _50/30/20 Rule_: Allocate 50% of your income towards necessities, 30% towards discretionary spending, and 20% towards saving and debt repayment.
2. _Budgeting Apps_: Utilize apps like Mint, You Need a Budget (YNAB), or Personal Capital to track your expenses and stay on top of your finances.
3. _Expense Journal_: Keep a physical or digital journal to record every purchase, no matter how small.

Reducing Expenses
1. _Cut Subscription Services_: Review your subscription services (e.g., streaming platforms, gym memberships, software) and cancel any unused or unnecessary ones.
2. _Cook at Home_: Cooking meals at home can save you up to 50% on food expenses compared to eating out.
3. _Cancel Credit Card Annual Fees_: If you don't use the benefits associated with your credit card's annual fee, consider canceling or downgrading to a lower-fee card.

Saving Money
1. _Automate Savings_: Set up automatic transfers from your checking account to your savings or investment accounts.
2. _Take Advantage of Employer Matching_: Contribute enough to your 401(k) or other retirement accounts to maximize employer matching.
3. _Use Cashback and Rewards_: Use cashback credit cards, sign up for rewards programs, and take advantage of sales to earn money back or accumulate points.

Smart Shopping
1. _Compare Prices_: Research and compare prices before making a purchase to ensure you're getting the best deal.
2. _Use Coupons and Discounts_: Take advantage of coupons, discounts, and promo codes offered by stores, websites, and apps.
3. _Buy in Bulk_: Purchasing items in bulk can save you money in the long run, especially for non-perishable items.

Debt Repayment
1. _Snowball Method_: Pay off debts with the smallest balances first, while making minimum payments on larger debts.
2. _Avalanche Method_: Focus on paying off debts with the highest interest rates first, while making minimum payments on other debts.
3. _Consolidate Debt_: Consider consolidating multiple debts into a single, lower-interest loan or credit card.

Long-Term Savings
1. _Emergency Fund_: Build an easily accessible savings fund to cover 3-6 months of living expenses in case of unexpected events.
2. _Retirement Savings_: Contribute to a retirement account, such as a 401(k) or IRA, to build a nest egg for your future.
3. _Invest Wisely_: Invest in a diversified portfolio of low-cost index funds or ETFs to grow your wealth over time.

Remember, saving money is a long-term process. Start with small changes and gradually work your way up to achieve your financial goals!

Step 2: Funding your account

Once you have chosen your platform, the next step is to fund your account so you can begin trading. Most crypto exchanges allow users to purchase crypto using fiat (i.e., government-issued) currencies such as the US Dollar, the British Pound, or the Euro using their debit or credit cards – although this varies by platform.

Crypto purchases with credit cards are considered risky, and some exchanges don't support them. Some credit card companies don't allow crypto transactions either. This is because cryptocurrencies are highly volatile, and it is not advisable to risk going into debt — or potentially paying high credit card transaction fees — for certain assets.

Some platforms will also accept ACH transfers and wire transfers. The accepted payment methods and time taken for deposits or withdrawals differ per platform. Equally, the time taken for deposits to clear varies by payment method.

An important factor to consider is fees. These include potential deposit and withdrawal transaction fees plus trading fees. Fees will vary by payment method and platform, which is something to research at the outset.

The House of Representatives is set to pass N54.9 trillion budget for 2025 financial year, increasing the initial proposal by about N7billion.Out of the total sum, N3.6 trillion is for statutory transfers; N14.3 trillion – debt service; N13.6 trillion – recurrent (non-debt) expenditure while the sum of N23.9 trillion is for capital expenditure.

Confirmed Transfers (2/2/2025)

#ICYMI
The Bola Tinubu administration has approved a staggering N4 billion cash transfer for certain households. The minister of humanitarian affairs gave the timeline for the cash transfers -

How To Save Money:

1. Create a budget: Start by tracking your expenses and income to create a budget that outlines how much you can realistically save each month.

2. Cut unnecessary expenses: Take a look at your spending habits and identify areas where you can cut back, such as dining out, subscriptions, or impulse purchases.

3. Automate your savings: Set up automatic transfers from your checking account to your savings account each month to ensure you consistently save money.

4. Shop smart: Look for discounts, buy in bulk, and compare prices before making a purchase to get the best deals.

5. Cook at home: Eating out can quickly add up, so try cooking meals at home more often to save money.

6. Use cashback and rewards programs: Take advantage of cashback offers and rewards programs when making purchases to earn money back on your spending.

7. Avoid debt: Try to pay off any high-interest debt as quickly as possible to avoid accruing interest charges.

8. Set financial goals: Having specific savings goals can motivate you to save money and track your progress.

9. Find cheaper alternatives: Look for ways to save money on everyday expenses, such as using public transportation, buying secondhand items, or shopping sales.

10. Stay motivated: Remind yourself of the benefits of saving money, such as financial security, a sense of accomplishment, and the ability to reach your long-term goals.
#danloader
#DANDIRON
#Everyone

Hundreds of transgender federal prisoners face uncertainty and fear after President Donald Trump’s executive order mandating transfers to facilities based on biological sex rather than gender identity....

CALEB'S TECHNOLOGY


BUY YOUR AIRTIME AND DATA FOR CHEAP RATES...
CONVERT YOUR AIRTIME TO CASH
BOOSTE YOUR SOCIAL MEDIA PAGES

MAKE YOUR MONEY WITHDRAWERS(CASH TRANSFERS ACCEPTED ONLY)

WE ACCEPT PAYMENT-MONEY PICKUPS WITHIN NIGERIA


HERE

MORE INFO CALL 08081845386

FOR MORE INFO CLICK

https://www.facebook.com/profile.php?id=61571209282476

Automate savings: Set up automatic transfers to your savings and investment accounts to make saving effortless

'However you want to do it, I don't know; just make sure you are not posted to Abuja. It is not a very good place. You can go to any other location o, but Abuja? Don't try it!'

This was the advice a 'very dear' friend of my mom gave her when it was time for posting. My mother worked in the Federal ministry till she retired, so transfers were inevitable.

Somehow, God had other plans in mind and posting to Abuja seemed to be one of them. This was around the year 1999 when Abuja was like London... It's been a while I visited so I don't know if it is still as beautiful as we left it.

My innocent mom was scared. There was no place she didn't go to plead for a change in posting but God had His plans and so with a heavy heart, my mother packed her bags, accompanied by one of my elder sisters for comfort, bought tickets from those luxurious bus services and began her journey to the 'land of doom,' Abuja, with the first bus. Those days, there were no mobile phones but the roads were very safe and good.

We bade her goodbye forlornly like someone that was going to a land of no return. Even my father that had been forming King Kong earlier used style to wipe his tears (though he told me that it was fly that entered his eyes), but we had no choice. Go to Abuja or resign, the letter said.

After what seemed like eternity, my sister called from a phone booth in the park around five in the evening. They had arrived in Abuja and were about to board a cab to their destination. She promised to look around for a pay phone to call us the next morning.

She called us in the afternoon after a visit to my mother's 'dear' friend's office.

The same doomsayer about Abuja was having a sumptuous lunch in her grandeur office when my mother walked in unannounced. She hadn't been aware about the transfer, so my mother was the last person she had been expecting to see.

'Ha!' She shouted in surprise as soon as she saw my mother. Her face went through series of emotions before she managed to utter 'What are you doing here?' She was so shocked that she was almost speechless all through their stay.

We were stupefied to hear how beautiful the city was. Turned out that all she told us about Abuja was the extreme opposite! Light was so steady that there used to announcement on radio if there was going to be power cut. To cap it up, this woman had properties in that same 'horrible' Abuja and was living in splendour.

My mother's shock was over- shocked! How someone could be that evil still amazes me till date. No wonder people kept asking us if we were normal whenever we prayed against Abuja transfer. I still wonder what people stand to gain by blocking others. She depicted Abuja as a barren land whereas it was flowing with milk and honey!

It taught me a very valuable lesson; not all friends have your interests at heart; only God does.