How to create a family budget

 

You Creating Your Own Household Budget.

 

1) Start with the biggest percentage.

Are there any monthly or yearly bills that you need to pay? Some examples would be car payments, rent or

mortgage, utilities (such as water, electricity, etc), and insurance (medical, dental, etc). Try to round either up or down to the nearest $10 for an average es5mate on how much you spend for each item.

 

2) Begin calculating for every day essentials.

How much per week do you spend on gas? What is the usual amount that you spend on groceries, or how

many times per week do you go out instead of home cooking? Think of other essential things that you need, not want.You should spend as normal, but take a receipt or note down every time you get your wallet or purse out. At the end of the day, tally this up, either on paper, your computer or your phone. Make sure you note exactly what you spent it on and don't use a generic term such as food or transport.

 

3) Create an area for your earnings.

 Include all earnings, whether it's properties, "under the table" jobs (money you take home, without taxes being taken out), money you found on the ground, and your salary (or monthly balance if you're paid every other week.

 

4) Make an area for your "Monthly Income".

This is what you take home after taxes are being taken out, if applicable. This is the amount on your paycheck,not your total earnings for the time period.

 

5) Put your monthly income and your total expenses number side-by-side. Once you have tallied up about a month's worth of expenses, divide up your expenses into the categories of necessites, sanity savers and luxuries.

 

6)  Calculate how much your short term, medium term and long term goals are going to cost.

Do you need to replace any household items this year? Do you need a new pair of boots this year? Do you

want to buy a car? Plan for this in advance and you won't need to draw on your long term savings. Another important point to note is that you should aim to only buy these items a;er you have saved for them. Ask yourself, do you really need it right now?

 

Written by Ebun

The skillfull motivational speaker

 Yinka Olawunmi sharing words of wisdom with his viewers

Yinka Olawunmi,is the managing director of westhamssi driving school and the CEO of success system pathfinder

international,a registered and incorporated firm which was started at the United Kingdom.

He started his motivational career at yabatech before advancing to study software development and confict management in

Ampton London.Amidst his creative abilities,his philosophy about life is that you create what you want out of life through

energy,dedication,determination and commitment.

As a speaker,he has spoken on UK TV,Faith tv,Naija fm on the search for intimacy.He recently appeared on NTA with the dat

programme and did a programme on trade secret of giants with Olabisi Omisore on 89.7fm.

You can contact him on www.westhamssidriv.webs.com,yinka_olawunmi@yahoo.com,www.facebook.com/olayink.olawunmi,+2348062534615

6 Things You Should Never Do In Lagos,Nigeria

Lagos is the most vibrant city in Nigeria.If you are travelling to Nigeria and you end in Lagos,It’s seductive charms are legendary, and for good reason.

Inviting cafes and lounges, lustrous boutiques, top notch museums, and an impressive restaurant scene make Lagos the runway model of the beautiful,fashionable, confident, and inspiring envy at every turn.However, its size and scope can make it a challenge and sometimes, you are faced with certain experiences that make you wonder at a traveler’s love with such an elusive town. To avoid having these experiences,here is list of 7 things you should never do in Lagos.

 Skip your fare in a bus

Taking public transport, including the Moluwe and Danfo buses, may be the cheap option of transportation in Lagos, but it is not free.

 

A fare is usually required and it is important you ensure you have enough cash to settle the transport fee before jumping on the bus.  While it might be tempting to skip your bus fare, either because you think the conductor will not notice or you believe you can come up with a story touching enough to make them waive the fare, don’t do it. The public embarrassment and possible physical harm will not be worth it.

 Put Your Wallet in Your Back Pocket

While most Lagosians are nice and helpful there are always folks looking to take advantage of unsuspecting tourists (and locals!). Never place your wallet in your back pocket, as you are bound to lose it – sometimes without even knowing.

Be smart, use common sense and keep an eye on your wallet is, particularly when you’re in crowded places such as Obalande, Oshodi and Balogun market.

 

Flash cash around

Whether it’s when paying for things on the street, counting your money or taking out a wad of cash and then asking the waiter how to figure out the bill, flashing cash is never a good move in Lagos.

The Nigerian currency is not hard to figure out. Always keep a running tally in your head so you do not have to whip out your cash and start counting; this will also protect you from thieves.

Try to cut in line

With so many amazing things to do in Lagos, sooner or later you are going to have to wait in a line. Whether you’re queuing up to snag rush movie tickets, trying to grab a meal at a popular eatery or waiting to use an ATM in a shopping mall, you are going to have to wait along with everyone else.

If you stealthily try to make it to the front, you will be caught and blessed with the wrath of a crowd of scary, impatient Lagosians…and this is not something you want to deal with.

Taste street food with no intention to buy

In some part of the country, street vendors will encourage you to have a taste of what they are selling, even if they know you may not end up buying.

Some people actually eat to their fill by tasting street food from numerous vendors. However, in Lagos, if you are going to taste it, you better be prepared to pay for a portion, even if it is as small as NGN50 worth. Most street vendors will reign insults and curses on you, while some other will take a step further and cause an embarrassing scene if you refuse to make a purchase.

Pay a hawker before collecting the purchase

Despite the ban by the state government, the traffic in Lagos ensures that there are hawkers lurking around to meet the needs of stressed and tired commuters.

If you are looking to buy anything from a hawker, never give them the cash before you receive the item as there is a huge chance they will disappear with your cash and the item. Also, if they need to give you some change after purchase, do not hand them the cash. Instead, ask them to return with the change you need before you make the purchase.

 

Written by Nkem. http://blog.ng.jovago.com

Images Of Pharaohs That Prove Ancient Egyptians Were Black

Narmer, also known as Menes, unified Upper and Lower Egypt for the first time and, therefore, founded the first dynasty of a unified Egypt.

 
Djoser (also read as Djeser and Zoser) is the builder of the Step Pyramid and is believed by most Egyptologists to be the founder of the third dynasty during the Old Kingdom.

 
Khufu was the second pharaoh of the fourth dynasty and is generally accepted as having commissioned the building of the Great Pyramid of Giza, one of the Seven Wonders of the Ancient World.

 
Sahure was the second king of ancient Egypt’s fifth dynasty. Historical records and Egyptian art show that Sahure established an ancient Egyptian navy and sent a fleet to the Land of Punt and traded with cultures in the Eastern Mediterranean.

 Senusret I, also Sesostris I and Senwosret I, was the second pharaoh of the 12th dynasty of Egypt. One of the most powerful kings of this dynasty, he maintained aggressive expansionist policies against Nubia and organized an expedition to a western desert oasis in the Libyan desert. Senusret I established diplomatic relations with some rulers of towns in Syria and Canaan.

 
 Hatshepsut (c. 1479 B.C. – 1458 B.C.)
Regarded by Egyptologists as one of the most successful pharaohs, Hatshepsut was the fifth ruler of the 18th dynasty. According to Egyptologist James Henry Breasted, she is also known as “the first great woman in history of whom we are informed.”

culled from www.atlantablackstar.com

Jesus Christ was a black man- WOOOOW

A team of archeologists from the University of Tel Aviv have uncovered a collection of ancient scrolls in the West Bank region, near the Qumran Caves, where the Dead Sea Scrolls were originally uncovered in 1947, and which promise to shed a new light on the life and physical appearance of Jesus Christ.
 The newly found documents which are believed to have been written by a small Jewish sectarian group, called the Essenes, retraces different elements of the Old Testament and New Testament similar to the Dead Sea Scrolls, but scholars have turned their attention to a peculiar fragment which describes the birth of the Christ figure in a new light.
 
 Professor Hans Schummer of the University of Tel Aviv.

According to Professor hans,The manuscripts that have been dated between 408 BCE to 318 CE describe the son of Mary as of a “darker color” of skin than her parents, a revealing information admits professor Hans Schummer.
 “The infant was the color of the night” reads a part of the fragment of the scripture, “In the dark of the night, nothing could be seen of the infant except the white of his eyes” reads another excerpt.

The shadow cabinet

 
PRESS RELEASE: Nigeria's Opposition announces the Shadow Cabinet

Ahead of the release of the announcement of the cabinet positions and names of the Federal Executive Council, a group of young, creative and peace loving individuals have announced the creation of a Shadow Cabinet.

The Shadow Cabinet is poised to ensure the continual development of Nigeria's democracy and Nation building. The group pledges to continually keep the government on its toes, determined to change the face of Nigerian opposition politics.

The Shadow cabinet of Nigeria which is set up to monitor and provide viable alternatives to government policies across various ministries has publicly announced their presence on the Nigerian political ecosystem.

The group is made up of individuals from a plethora of backgrounds, personalities, capabilities and capacities. It is open to dedicated and result oriented members of all opposition political parties.

SHADOW CABINET ADMINSTRATORS

Israel Oladipupo Ogunseye - Secretary of the Cabinet

Oke Umurhohwo - Deputy Secretary of the Cabinet

Okolie Ijeoma E.- Deputy Secretary II of the Cabinet

CABINET ADVISERS

Barr. Oshiokpekhai Utu-Orbih

Owoyele Charisma

CABINET PORTFOLIO/MEMBERS:

Secretary for Finance/Trade & Investment - Ovyeh Ishaya

Secretary for Agriculture - Olusola Sulaimon Talabi

Secretary for Security and Defence – Yemi Adebowale

Secretary for Energy and Mineral Resources - Obi Ifedayo

Secretary for Energy and Mineral Resources II - Ariyo Aristotle

Secretary for Works – Toluhi Lanre Michael

Secretary for Works II – Eromonsele Mathew

Secretary for Environment – Israel Oladipupo Ogunseye

Secretary for Education - Ibrahim Sarafa

Secretary for Education II - Odulele AbdulRazaq Aderibigbe

Secretary for Health – Nwagwu Everest

Secretary for Labour and Productivity - Michael Akinniyi

Secretary for Communications and Information – Okolie Ijeoma E.

Secretary for Transport - Oke Umurhohwo

Secretary for Transport II – Owolabi Eleniyan

Secretary for Women and Children Affairs - Ngwu Nkechi

Secretary for Justice - Oshiokpekhai Utu-Orbih

Gentlemen of the press, all correspondence should be sent to shadowcabinetng@gmail.com

OR

Twitter: @ShadowCabinetNG

Facebook: Shadow Cabinet of Nigeria

Signed

Cabinet Secretary

Israel Oladipupo Ogunseye

Amaechi Reverses, Criminates Wike Of N45B Loan Diversion

In what seems to be a twist on events, the immediate past governor of Rivers state, Rotimi Amaechi, has gone away from being accused of hiving off the state’s funds to accusing his successor, Nyesom Wike, of N45 billion loan taken by his administration.

The erstwhile governor of the oil rich sate stated this on Sunday, October 25, during a special thanksgiving service organised to mark the October 25 ruling of the Supreme Court, which brought him into power as governor in 2007, The Punch reports.
In the statement, the former governor said that he had borrowed N300 billion, subsequently paid N245 billion back and left about N15 billion in the state coffers; only for the present administration led by Governor Wike not to be borrowing to pay contractors but borrowing for their personal gratification.