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6 Tips how Single Men can Save More Money

Flamboyant lifestyle is the dream; however should learn how to save more money, except you have your own business or solid inheritance somewhere, this lifestyle cannot be sustainable -especially, if you are still a bachelor.

Even when they follow the best financial advice available (they work hard, spend less than they earn, save and invest) quite a percentage of single men still find they have to live pay cheque to pay cheque – with no savings.

Of course, this does not in any way imply that all the unattached men in Nigeria are flunking their finances or are in a hopeless position when it comes to money. Some men just face specific challenges, when it comes to managing their cash.

The state of the country’s economy plays a huge role in this dreary financial picture; as such, opting for just the basics when it comes to making financial changes may not be ideal.

Single dudes should consider taking on some of these hands-on money rules:

Rent must not exceed half of your monthly earnings

Yes, you want to live alone, have your own place and be independent, but you should not spend a fortune or run into debt renting an apartment.

Ensure your monthly rent is not more than half of your total earnings per month. For instance, if you earn N100,000 per month ensure you do not rent a place that costs more than N25,000 per month.

This means that you would be looking out for a space that would possibly cost you N300,000 per year.

It’s easy to get sold on the dream of emancipation from parents and total independence, but if it’s going to jack up your bills, it’s probably not a wise financial move. If you must rent a space, consider getting flatmates and move up from there.

Opt for hobbies that don’t require an upkeep cost

As a dude, you have a number of hobbies and activities you engage in, to keep life eventful and interesting. It could be fitness, or just games for leisure. The thing is, a number of these hobbies require ongoing upkeep costs; from club membership dues, to cost of supplies, uniforms, and even trips/get-togethers.

While it is definitely alright to have hobbies, just make sure you go for one that requires minimal maintainance, or even none at all.

For instance, no matter how much you love golf, you may want to put that off for later, when you are more finically stable. Not only do you have to register to use the golf course, you have to get the outfits and the need for fresh supplies are almost endless.

You may want to consider alternatives like playing music, on an instrument you already have, or even football with friends or colleagues.

Cut down on eating out

Yes, you want to join in on the Sunday brunches with colleagues; you want to prove to your girlfriend, who loves fancy food, that you are enough for her; you also want to order from ‘The Place’ like your colleagues, instead of brining something homemade or buying from the lady across the road and being the “stingy” or “low-class” one. But if you are concerned with upgrading your financial status, you will have to skip these splurges.

They seem small, but actually, they accumulate and take a toll on your finances. You will be surprised to find out that sometimes, the cost of the daily take-out is what, over time, separates the rich dude from everyone another dude the wrong side of the thin money line.

Acquire cars based on reliability and fuel efficiency…otherwise, use public transport

There is the assumption that owning a car makes a dude more appealing. Before using your life’s savings to buy a car, you must at least consider two factors.

Ask yourself: how reliable is the car? How fuel-efficient is it? Answering these questions lets you know if you would be actually making an investment by buying the car, or acquiring a liability.

This is because fuel bills and repair bills are serious money drainers when you own a car. Do not just jump and buy any car just because it is cheap and it still moves. If you cannot say for sure that it is reliable and fuel-efficient, get on with public transport. And by public transport, I don’t mean Uber and Taxify.

There is absolutely nothing wrong with commuting to work in a bus or keke napep. It is actually a better option as it is incredibly faster in rush-hour traffic. It’s also cheaper when you consider the fuel, oil and other maintenance costs of running the car. You save more and you upgrade yourself financially.

When shopping, use the 30-day rule

Believe it or not, shopping is not a “girl” thing. Guys love to shop too. When shopping – online or in-store, it is important that you adhere to the 30-day rule.

The rule simply implies that you wait 30 days after your first serious impulse before buying the expensive item, no matter how essential you think it is. Waiting 30-days give you enough time to do research and ascertain the impact it could have on you financially, and whether you even really want it or not.

Sometimes we are deluded by brief fascination and end up spend a lot of money on something that we will never use and may not improve our lives in any way.
The 30-day rule gives you the time to come back to reality and make the sane decision.

Don’t borrow money to invest

Every financial guru will tell you to invest your money in something, if you want to be financially stable in future.

While this is great advice, you must also ensure that you do not use borrowed money (money that is not originally yours) to invest…no matter how lucrative the investment seems or how much of an asset you assume it will be.

In the case where the investment you want to make is either a fixed deposit or bond, you will eventually find that the dividends may not able to match the rate of interest you pay on the loan. Again, even investments, such as equities, that offer higher returns, can be too risky.

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Infinix Zero 5 | Specification, Review, Price & Everything You’ve got to know

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Infinix Zero 5 | Specification, Review, Price & Everything You've got to know

Infinix Zero 5 | Specification, Review, Price & Everything You’ve got to know

Infinix, Hong Kong-based smartphone manufacturer has released yet another awesome smartphone into the Android market christened Infinix Zero 5 after it was unveiled in Dubai.

Infinix Zero 5 is quite an eye-catching and attractive body mobile phone with features the popular 18:9 screen ratio that has been in trends for smartphone makers lately.

Infinix Zero 5 Major features:

  • OS: Android 7.0 Nougat with XOS v3.0
  • SIM Type: Dual SIM (Micro)
  • 4G LTE: YES, LTE
  • Screen Size : 5.98 Inches FHD IPS Touchscreen
  • Screen Resolution: 1080 x 1920 pixels (403 PPI)
  • Processor Type: Octa-core 2.60 GHz Cortex, Mediatek chipset
  • RAM: 6GB
  • Internal Storage: 64GB or 128GB.
  • External Storage: microSD, up to 2TB
  • Back / Rear Camera: 12MP + 13MP camera & LED Flash
  • Front Camera: 16MP with LED flash
  • Battery: 4350 mAh (non-removable)

Infinix Zero 5 price and Where to Buy:

The Infinix Zero 5 is sold  within the ranges of 122,000 naira to 135,000 naira ($310) in Nigeria  and Ksh 10,999 in Kenya and Rs. 20,000 in India.

The smartphone widely available in Nigeria and many other African countries online and offline stores as well as in India, Pakistan, Dubai.

In Nigeria, Infinix Zero 5  can be purchased on Jumia Nigeria – Click Here while in Kenya, it can be purchased from Jumia Kenya – Click Here

Infinix Zero 5 Alternatives:

If you are however thinking of going for best alternative of the Infinix Zero 5, then you should maybe consider going for Tecno Phantom 8.  They both share a lot of things in common with little differences in the battery and screen sections. Gionee M7, Note 4, Note 4 Pro, Infinix Zero 4 and Zero 4 Plus and Nokia 8 are also quiet similar.

 

Infinix Zero 5 Detailed Specs

NETWORK
2G Network GSM: 850/ 900/ 1800/ 1900 MHz
3G Network WCDMA: 2100 MHz (900/1700/1900/2100 MHz for LATAM)
4G Network  Yes, LTE (Global Support)
SIM Dual Micro SIM (Dual Standby)
Status Launched: November 2017
BODY
Dimensions –  mm
– Weight: -g
Keyboard Touchscreen
Colors Gold, Matte Black and Apple Red
Cover Metal
DISPLAY
Type FHD IPS, multi-touch touchscreen with 16m colors
Size 5.98 inches, 1920 x 1080 pixels, 403 Pixels Per-square Inch
MEMORY AND OS
Card slot MicroSD, up to 2TB
Internal 64GB or 128GB
OS Android 7.0 Nougat (with XOS V3.0)
Processors – Octa-core 2.6 GHz CPU
– Mediatek Helio P25 chipset
– Mali GPU
RAM 6GB RAM
AUDIO
Alert types Vibration, MIDI, MP3 ringtones
Loudspeaker Yes
Audio port 3.5mm jack
CONNECTIVITY
2G GPRS – up to 85.6 kbps; EDGE – up to 236.8 kbps
3G Up to 42.2 mbps downlink; Up to 11.5 mbps uplink
4G YES
WIFI Wi-Fi 802.11 b/g/n, Wi-Fi hotspot, Wi-Fi direct
Bluetooth Version 4.2, A2DP
GPS A-GPS
NFC NO
USB Type-C (with OTG support)
CAMERA
Primary – 12 MP and 13 MP, auto refocus, 10x Super Zoom and single-LED flash
– FEATURES: Geo-tagging, touch focus, face detection, panorama, auto-HDR
Video 1080p@30fps
Secondary 16 MP Camera with single Selfie Flash
BATTERY
Capacity 4350mAh Li-Ion non-removable battery
Stand-by N/A
Talk time N/A
Music play
OTHER FEATURES
Sensors Accelerometer, Proximity, Compass, Rear Fingerprint and Light sensor
Messaging SMS, MMS, Email, Push Mail, IM
Browser HTML5
Java No
Miscellaneous – FM radio
– Quick charge tech
– MP3/AAC+/WAV/Flac player
– MP4/H.264 player
– Photo/video editor
– Document viewer
PRICE
Price level About 122,000 naira– 135,000 naira (310 USD) (10,999 Ksh)

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9 Excuses Guys Gives when They Wants Just The Sex

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9 Excuses Guys Gives when They Wants Just The Sex

9 Excuses Guys Gives when They Wants Just The Sex

When a guy is not into you, there can be no limits to the number of excuses he can give.

However, if the sex is good, he will say anything just to keep you around but nothing more. It is not hard to see if you aren’t clouded with the love thingy.

Below are list the  9 Excuses Guys Gives when They Wants just The Sex but wants to keep you around;

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Top 10 Trending Music Videos Of 2017 In Nigeria – WATCH

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Top 10 Trending Music Videos Of 2017 In Nigeria – WATCH

We bring you the Top 10 trending Music Videos of 2017 in Nigeria as compiled by YouTube in their #YouTubeRewind Playlist.

The #YouTubeRewind Playlist was compiled based on the time spent watching, sharing, commenting, liking and more.

The most interesting part of the playlist is that Seven are Nigerian music videos with two of them belonging to Davido and two of the three foreign videos are from DJ Khaled.

See the Top 10 Trending Music Videos Of 2017 In Nigeria on YouTube below;

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