 Alright, thanks for staying with us. Okay, so I'll start with you, NJ. What did you find for us in news today? Oh, well, it was just... Well, this weekend was October 1st, Independence Day, and it was just amazing to be at home, and then here, a lot of noise outside, looking out my window, saw the 4 million match in Lagos, and then I heard also it happened in Benin, Calaba, Abuja last week, so it was just exciting to see how many people were on the streets. But then again, it got me thinking, even if you do a 4 million match, how many people have PVCs out of this 4 million? How many people, you know, I was here the last time when you said 1.0 million, you know, voters registered were invalid, so it also goes to show that even though we're showing this much support, you know, in the works, we should also take it back home, at the end of the day, make sure we get our PVCs and make sure we're out there to vote because it won't count if we're just matching, and at the end of the day, there's nothing. So yeah, so it was very interesting, the whole streets, everything, and the chance to... It's just that it just shows how many people are actually tired and frustrated about the current situation of the country, and we just won't change, that's it. Absolutely, yeah. Alright, Chinelo, let me come to you. What was your story? Okay, so I saw it today, Asha suing Joe Boy over copyright infringement for $300 million, I mean, quite exorbitant, but yeah, and you know, I went back to listen to the song, and I realized, oh, it's a song she hasn't released yet, so I guess the story is that she recorded it, she hasn't put it out, and then maybe the producer thought, I don't know, maybe she wasn't going to need the song anymore, and then Baba decided to give the song to Joe Boy, so now, very nice song actually, Contour, it's called Contour, and now she's going to sue him for $300 million, I'd like to see how that sounds. Wait, I don't get it, though. Why would you even give somebody something that has... I even thought maybe it was a liner that she... because I didn't read the story, I thought it was a line from her song. That's what I thought too. So it's a song she had recorded, and she had never used. Apparently. No, the money needs to be bigger than that. When he released the song, did he, was she still on the... No, no reference to her whatsoever. The song has been making things around, right? And then he just put something on his Instagram, saying Asha has sued him for $300 million, because he didn't give any credit to her. Yeah, so. Wow. Please, that money should increase. It's true, because that's intellectual property, right? Copyright is a big issue, so there's a product I'm working on currently. We wanted to use one of Simi's songs because it's linked to women, you know, and all of that deal with women. But when I just read the headache around copyright and all of that, I just told somebody, please create a new theme song for us. For a long time, I didn't know it was a big deal. It is a big deal. What's his guy's name? Something huge. Sabinus. It's Sabinus, right? Mr. Fwani. When somebody, I think it was Galaw, I don't know which company it was. It was Frizzland. It was Frizzland, right? The Peak, yes. That's true. And then I'm like, oh, all right. It's a big deal. And guess what has happened now with the inventor of what's he called streaming platforms like Spotify. Even on Reels. Have you not seen video that we tell you that certain areas are copyright. So it's a big deal. People are paying attention because guess what? Content is king. A lot of people, this is how they get their bread and butter. So this is how they make money. So you can't just wake up. That money should be bigger than that. I'm telling you. It's a lot of money. She's been kind to him. Because you will not try that again. Never. Let me come to your story. Okay. I was able to find out that NDLEA went to VGC and one of the mansions they found 13 million pills on a trauma door. Again. The same VGC. How did it enter the country? 13 million. Are they asking the same questions? I mean, you have custom officers who are doing their jobs for normal cars and what not. Yet, this is still happening. What is baffling is some of the politicians that are... Wait, wait. Is it the same VGC that they just bossed in? Yes. Yes. The same VGC. VGC. We need to go to the customs. Who would ever have told that VGC would be drug lord? I mean, I guess at the same time it's also supposed to not be noticeable because to you, you're thinking about VGC for old money people. Why would you find such things there? I mean, it's very alarming and the rate at which people do drugs these days is very rampant. I must say. It's almost like if you're not even doing drugs, are you even novel? These days it's really, really rampant and it's very alarming. It's disturbing the age at which people are... It's readily available to everybody these days and there's no control whatsoever. So, I mean, that's very disturbing for the country. That's really sad, though. VGC, VGC. My story is your governor of Lagos states, San Walu, has said is going to increase minimum wage. I found that really interesting. I said, what are the... Do people really just not understand that the same rhetorics you see when elections are around the corner? I mean, yes, we understand that it is a big... It is very important that we increase minimum wage. We've been shouting about that on this table for a very long time. I think it was a state governor that had started it. So, when I saw the video of Governor San Walu today telling the civil servants that there will be an increment of their salaries and all of that. I said, well, while I compliment him, but why do you have to wait for elections? Is this like a ploy to get people to just continue to vote you and all of that? But hey, this is a tactic they keep using all the time. We are hoping that things might change this time around that people do not fall victims for these kind of tactics because the truth is, if you check amongst every other state in Nigeria, Lagos state still has one of the biggest IGR, right? And you would think that the welfare... I was saying to someone the other day that, for instance, if you're working in New York and you're working in other parts of the US because of the high cost of living in New York, their wage is also higher than the regular... the same counterparts in other parts of the states, right? So that is how we expect that a Lagos state will be. It's supposed to be like a model city. I was in Lagos state the other day and I was really appalled. You know, Lagos state is also recorded that it has all the big industries in Nigeria. So it's a money-making state. Yet, I passed a road I thought I was going to pass out because I had never passed that road before. Like, it was really, really like death waiting for you on the road, right? So I just imagine when I see things like this, this is not governance. This is not... This is not what we expect our government to do. We expect our government to sit down and say, you know what? We are putting in systems in place. Whether I am here tomorrow or not there tomorrow, you'll be able to thrive. So when I see things like this, I get a bit, you know, but hey, the people he's targeting are not people like me because if it is for me, if you like, increase it to 1 billion. It is what I would do that I would do. But hey, it keeps working so that's why they keep using it. That's another thing we don't know how much. We don't even know how much. They even meant 1. He could be 65 there. He could be 62 now because Nigeria turned 62. I'm sorry. So who will take a break there? When we come back from the break, let's discuss spending money. Stay with us over right back. This guy says it's for your life before. Please, who can give me a 2K here? I like the way the guy wrapped the thing like 2K, 2K is. I'm telling you, whether it's a medical emergency, a car breakdown, or a bus pipe, they are not expected can cause a strain on your budget and your daily routine. Planning can help you be better prepared for unexpected expenses, including knowing what options may help you budget during an emergency. Now, a budget is the first step to putting aside money towards the important things you need to save for. Without those guidelines, you might not discover where you're spending money and may even be saving it in ways that aren't optimal. So today we're discussing the impact of unplanned spending on your personal finance, and we're asking what are your thoughts on the video that you saw. Now, please, let's hear what you have to say. Remember, you can join the conversation, send us an SMS, or WhatsApp to 08-1-803-4663. You can also tweet at us at WayshowAfrica1 with the hashtag Wayshow. So, recently, I think about last week, maybe Thursday or so, I can't remember now. I just decided to go on Netflix and just find something I would not normally watch. And I found a movie, I think it's called Get Smart with Money, that movie. It was four people in the movie. They brought in experts. Get Smart with Money, yes. They brought in experts. So there was one that was really bad on credit card. She had maxed all her credit card very, very bad debt. There was one that was earning good income, but they had nothing to show for it. There was another one that was a fantastic athlete. He was earning money. He lost all the money because he was spending anyhow. And all of that. And I think the final lady was, this one, she was a bit confused. She's an artist, but she's not been able to find herself. So she works as a waiter and all of that. So those four people were now put with different coaches. And the summary of all of those things was that the way to really build income or wealth and all of that, you must first of all find a way to block the changes, right? And just by cutting certain things off that they would do like go to eat out for dinner. She would not like this. I'm not so asshole. No, you're not like this. I'm a recipe for dinner. Wait, there were you. You know, so just by going to dinner, you sort of say, oh, Angie, let's go for a drink. You can decide to make the drink in your house. You know, all of those little, little things that might not be so big. That is a vivid explanation of what this guy did. So what he did was for every time he got a call, I'd be urgent to K, I'd be borrow me one five, all those kind of, you know, if he give me one five, if he give me one K, he kept on keeping the money in the colo and see how much. So what I do not know about the video now is I don't know for how long he did it. But these things are real. Saving just a thousand Naira every day, just a thousand Naira, that's about 365 K in a year, right? So it's actually the, in the long run, these little drops do actually make an impact on your income. But hey, luxury people will not agree with you. But let me hear your thoughts. Who wants to go first? Well, I would say... Do you have any experience first of all with all this urgent to K because they are everywhere? Well, I have a lot of, I have friends who, who like to borrow. And they are not borrowing because... To pay back. Well, you have different levels of them all, I guess. You have the people who borrow and you're sure they will pay back. You have the people who want to borrow and you just say, how much do you actually need to take care? Okay, I have five. Go find five. Take five, go away. And you have the people who you will just give and forget about the entire thing. Because you just don't want to stress yourself. It will probably cost more for you to follow up. But when you talk about, you mentioned a couple of unplanned expenses. That happens. But when you say, how does it, if you don't have a budget, then even those unplanned expenses seem to row you up every time it comes up. But if you have a budget, then you can, if you budget your money, then you can say, okay, what is, from what is left, I can have miscellaneous. That's why, you know... You can save up emergency funds, right? Thank you. So you can call in miscellaneous. So there's a breakdown in your vehicle? So because there are things that would always happen. You can lose your job and then your living situation becomes an issue. Next rent, your next meal, your next car repairs, and all that. There are so many things that can come up, like just a couple of weeks ago, my elder sister had an accident. And it was unplanned. But it happens. And now you're down to either taking an Uber. That's an unplanned expense because you had a car. All you needed to buy was petrol. But now, at this point, you have to take an Uber. And Uber expenses is dependent on the location you're going. You understand? So if I want to go to the mainland now, that's a lot of money. And so all those are unplanned because you're not even sure you can have an average of how much you're going to spend. But you don't even know. So you can go out thinking you're going to spend 10,000. You end up going to the ATM to get some more money. So I think budgeting is a very good way of balancing your income with what you know, your lifestyle. And it's very important. Even though you want to do luxury, you can't be balancing it luxuriously. Let me actually learn something and come to you Mary. Okay. So where first of all, when you saw that video, did it hit home for you? Where it starts from? Okay. So you know, people say, say, instead of going to Sousa Plays, save up the money, instead of going to Itats, wherever, make your rice at home. My mom will say something to us on Sundays. There's rice in the house. Don't worry. We don't need to go to Mr. Bitty. Let's go home and eat the rice. I understand. Leave the loop. Leave, leave. Leave the loop. This life. But then I mean, seriously, budgeting helps you to create boundaries with spending. But then they are just, and I'm living with this unexpected expenses as it hits you before. Last month I thought my enemies were after me. From the generator to car, it just seemed like everything was happening at the assistance of the leaking, everything was just happening at the same time. So, I mean, these things happen I ended up spending money that I did not plan to spend right? Does this mean that I'm poor with my Finances, maybe not necessarily. I mean I can't I like to buy things both, you know And that thing is debt as well. The truth about debt is that it's going to hold you captive So for each time you owe money Anyone that comes in you're literally subtracting it's right. So you would always be broke. I really it's it's it's a sad reality and the truth is a Whole lot of people are going through stuff like that. But then Sakpa is real You know, it's a it's a real thing, but then it doesn't mean that you shouldn't save so I agree with that guy. I'm sure Once once if you put that 1000 there you put that 500 put that 200 at the end of the day There's something nice to say to someone that you want to have when this death to December things started I said, okay You don't have this December next day That's the saving on January every day from January because by maybe fifth Sixth of December you already have enough money to go to all the shows and all the concerts. So yeah, saving is actually very important when it comes to Finances, okay, the luxury woman. Let's hear your thoughts. She has a mission for us Well, first of all when when you saw this video, did it did it speak to you in any way? Saving is good I'm of the school of thought that how I do my own is I I can spend though, but Not that you would not be able to afford your basics and not that I would go boring I do not enjoy boring. I am so scared of it because I Rather be broke. It's my money. I know that I'm going through boring than boring to buy something I do not agree for that one But what I do and what has helped me is like I use the P give us up So I lock funds away because I know how I can be so I know that okay This one you can't touch it the one you can't touch if you like finish it if you want to drink I mean you drink the carrier to send you bill for that brand I mean that that's that's how it works for me Saving to be honest I I found it useful to be for the very first time when I quit my job And I was so happy because a colleague of mine actually, you know You know what's in your savings, you know, and I really thought about it. I was like, okay You know what I know? I like to la la chop life Okay, if you get this one save half chop the half blow the half no problem And for the first time I need a money and I actually had money I was like, oh shit This actually good, you know, and it came it came through for me. So I'm of the school of thought that Just be wise even in your going out. I'm not saying don't eat out I'm not saying don't chop life, but do it in a wise way Not that you don't have you don't have food to eat because you went to restaurant to eat out It does not make sense. No, it doesn't make sense. But you know, it's like saving what you're saving Put it aside. I mean completely where you can't touch it. That's how me I do mine where you can't touch it And then the remaining, please So let's bring it back home because the current realities of Nigeria You save up Like a hundred thousand error today if you wanted to convert it to dollar, it's going to go to maybe I don't know how much now But if you left that money tomorrow What happens to that money? It's it it's in depreciates is not going up, right? That's the current reality of Nigeria So as you are there even in that savings that you're having and that's why a lot of experts that we've had on the show Would always say is best to put the money to work. Let it go on investment, right? So I would even advise people that even for those monies that you are saving once is it is big enough It's it's gotten to a huge a sizable chunk move it into an investment Was it caught for for something that you can invest in you know that can eventually yield something for you You know, so because that's the current reality in Nigeria, but you see when I saw that video I Just what kept going through my head is that if an individual is Having this much money because we've seen videos surface online, you know and all of that you see beggars that have 500,000 that they have gathered from young your to to cover Do you understand for me? It just it just speaks so much that we have turned begging into because you see this urgent to K You go on your social media you put a post some of you say ha you're looking very beautiful man today But please can you send me to pay and you send me one thousand five guess what these people are actually lucrative That's why they'll keep on doing it keep on buying the data to keep begging online So what is the smartest thing that you will do as an individual right because we can't run away from people Families friends that will be in need and all of that how do we now start to navigate those people? Right that would be the question, but let's go on a very quick break while we come back from break I also love to hear your stories of urgent to K And how much does because tell me that's over right back All right, thanks for staying with us now if you just tune in is our ladies night out And we're discussing the topic the impact of unplanned spending on personal finance now, please Let's hear what you have say remember you can join the conversation send us an SMS or whatsapp to 08-1 803-466-3 you can also tweet at us at waste show Africa With the hashtag waste show Our phone line is now open as well. Please the number to call is 070-250-07749. That's the number to call 070-250-07749 please. Oh turn off the volume of intelligence there so we can hear ourselves, right? So I don't know how do we navigate people that make requests from us because I don't know How do we do that because there are some people you cannot say no to But if you look at it in some Circles right that people those people that you cannot say no to they take the chunk of your income So, how do you go about that? Maybe I don't have that much people You know, but I think in my expenses like we say miss Eleanor's There's what you can give and is what you know would hurt you You know, so what you can give I would help you out if I know it's going to affect me I do have I'm sorry It's as simple as that or I'm not going to sacrifice. I used to tell my mom If your sister is fine first class and you are asking her for money and she says no to you She's not going to reduce her first class ticket because she wants to give you money It's not gonna work. She has to satisfy her self-esteem is what is left You can also sacrifice your first class ticket for me There's what I can't give I wouldn't do what is Yes, I don't have I'm sorry. I actually feel bad because I actually feel like I'm I'm such a goody tissue You know, you'll be pinching me even when I pass those beggars. It took a lot for me to say no To those roadside beggars like a whole lot and every time I pass. I'm like, oh, maybe you have the money now Just give them. I don't say me too. I need money. Thank you I'm looking for who I'll ask for money, you know, it's painful. It hurts me a lot But I'm sorry. If every time I'm going to pass a certain order, I know they're always there They are the and you come auntie, please auntie, please auntie, please and me for me in the luxury babe I am it's only 1500 you'll be carrying so every minute. I just dish it out 500 1000 Okay, now what's left for you? That's right. Even my mom will say well done. Oh, auntie So just reduce the one even that takes the most is have you seen if you calculate how much you spend for packing When you go out to pack your cars now, they've increased the surface going from 1000 to 2000 Yeah, I see it's two thousand every because I go out in the night and I'm just like These people don't own the space So that's what I'm so now you are hitting the nail where I want you to hit it because you think this money is not Nothing is nothing but imagine if we took a journal, right? Let's say starting from today Every unplanned expense so it's different to if I said I was going to the supermarket because again part of what's the Lesson that some of the people in that Movie I talked about part of the lessons that they learned right was that you know For for some when they say they are going to one buy toothpick in the supermarket They end up buying toothpick and one for more inside So you always add so all of those unplanned things as the things that they are just trying to pay our Bring our attention to imagine if you begin to judge those unplanned expenses Do you know how much that can eventually come to at the end of the month at the end of the year? It's a huge You go to different Madame hey, we hate you. You give up to K. So I had 50,000 they are made In my bag and I can bet you for free if I did not there was check it The money the last day I was checking at the bag that's what I brought it was the paper Of the money because the money had finished this one will come and see this one We give him 500 this one will come and sit down you give him 500 like before you say Jack the money's finished That's how bad this open expenses can be on our income, but you want to say something engine No, they're not very actually hits the nail on the head because Really, you can't when it comes to when to say no you have to learn it if not you go broke so I Don't have a problem with giving I give one You know, there's a feeling that comes with it So I do give but at the point in time you have to actually be able to say no Especially the older you're guessing when we were younger those monies were like lollipop For lollipop now those monies are for car repairs rents so you can be stuck outside your house and Especially when you now start hearing what people do like he said a lot of people are turning the boring system into Savings on it's a business isn't into a business So it means that you're funding someone else's lifestyle and someone else's decision to be lazy and not do anything So I'm suffering so at that point when I realize that I've been taking for a full or for a ride It makes you take more You know more conscious Decision decisions to actually learn how to say no a bit more often. I like Mary Ha, maybe my new best friend Because for for a long time my mom will say They are not going to sacrifice their lifestyle to accommodate you It's just it's just not gonna work, you know, and I'm sorry For me like I said the putting bulk money aside works So you receive your salary Take out that big chunk that you know that okay. This is what I'm gonna save Or someone sends you money unexpected money you divide it into half take the half Please put half fun with yourself with the remaining half enjoy your life But just know that there's something in the reserve You be all right I wish I could be like Mary and just say no and I mean outright because it's a struggle, you know Well, I wouldn't say it's kindness. Sometimes it's just that's okay You don't want person to think that you don't say I mean that's for me though. See if you look on Mary's face And that's I'm learning I'm learning I'm learning to say no, I can't do this for you at this point in time I can't help you out with this decision And I think it helps that's the truth because at the end of the day you just put yourself into trouble And the school does bring their houses to you and then you are the one that will end up being but do you think it's an ego thing though Let's let's bring it home a bit Do you think it's an ego thing if somebody comes to meet you? Because you see the thing is there's something about people they perceive So I've seen you I've sized you nice hair nice jewelry and everything and I perceive you have one So based on that and I'll come to you and say, ah, please I need something But you don't even know what is it So the person on the other end is it an ego thing to person that no after I've looked like this And I have to you have to shake body because it's not like you really have to give But because you don't want to say face if you want to be like, oh, yes You make me like say, you know, so how do you then balance it because some people truly generally they look good But they don't have the money, you know, and I can't talk for my spirit. No I mean today I went someone with my friend Okay, went to buy small shops somewhere in leaky phase one and just as I got out of the car This guy came to me and said and see because I just came into town and I have also And I need someone, you know, and I'm like You have also I have also to as a matter of fact, my tummy is actually hurting me. That's why I'm going to buy food You know some but at the same time I looked again I have to convince myself You don't have you actually don't have to give this guy money because what is it to say that he actually even has the Also, he's talking about only for us to buy the small shops and come out and we saw my dad playing outside Where he was Apprentice what he does for a living in that space and then he said to me, okay Maybe next time when you come I said well, you sounded like you just needed help right now So this is what you do. So that means you always have this awesome But then you know, there are other situations where okay, so for example, you go somewhere Or you're at an event with your friends, for example, and then Things happen when you buy stuff or whatever and then two days later Somebody reach out which is out to you to say oh, please I need to kick this guy send me to kick at that point You say no it's like I know but that's the experience we're praying for now that got you a post so that we're able to say No in those kind of situations right it takes a lot of real power. I must say because I I I battle with it as much as you know I Bone my face to say it. I battle with it. It's painful sometimes when you say no and guess what? Even the ones you've been doing they will now take you for granted And you're just like so what's the point? Why was I even giving him first place, you know because you think I had these gates man And I used to think I almost every day you'll drive. I'm driving out Because you know, I just tip a 1k 1k one day and I'm doing this because I expect that if I come back from work, you're going to help me carry my things You're going to wash my car and I notice that you are not doing it. So I'm like, okay now I'm the fool here, right? I'm the one that you're seeing free 1k Just chopping it and you're not Anything but then I have to stop I had to stop because the guy was really really misbehaving like really really misbehaving And I would bone my face and pass. It's your job. There's a lot of complicated for me. Let me go I'll carry my things inside. I have hand. I don't don't do anything for me. I'll do it myself I mean And you keep him moving So, um, I was with a couple of friends over the weekend. We were talking about dignity label Right Is it possible some of these things are also tied to you know that we've lost That that's word called dignity label because if I applied to be a security guard I applied to do a job and I'm expected to do my job and get paid at the end of the day Or is it that because of the poor state of the economy? That's what has resulted into the because now A lot of people just expect that you have money and because they are in a certain Position or a certain Status from you and all of that. Did you just expect that? You know Right, I'm just saying to you that have we gotten to that place Because you see this That we're talking about is something that has transcended beyond just Like you go everywhere Physically, they are there, you know, we see them going into stores, right as they see you by They're watching and they call on me to the aid Please help me with this and all of that So people are actually monitoring the spend and not believing that So I think I like where maybe landed this thing really We must go back to skin and just let's take some comments because we have a lot now Angie, you want to start? Okay, good evening ladies good to see mostly new faces today. Thank you But that is really a very good way to go now I had a family friend that was working in the multinational company company then I lived with your family during my youth service here He had a notebook on your dining table where he writes down his daily expenses as little as 15 air granades We used to laugh over it then as for me. I don't do WhatsApp calls, but now I do it a lot I walk hybrid so I buy daytime most times when I walk from home I had to switch over to a service provider that gives free call cards when I buy data I no longer use a driver to walk as I drive myself now because I have flexible walk hours I've made some adjustments in spending in my home and it has helped us to embark on a big project without boring If I've been this way years back, I would have been able to achieve so much I'm enjoying it and I'm really disciplined as I give When it's necessary and I don't bother about lazy people again. Thanks. Be see. Oh, thank you. Be see such That's encouragement. I'm telling you. No, but see If I knew what I know now So I was so there was a lady on that part of that movie. She's an emotional buyer. I am an emotional buyer So then many years ago when I'm upset like this, I would just go I go and buy handbag Buy shoe buy this, you know, like it was like a taboo for money to be in my account Like if I'm upset if I'm angry, I just go shopping, you know No luxury is there I'm sorry, but I can't really help you guys Because I mean Emotions, yes, you know, you're there for the hello, sir. How are you every day? This will make you feel Hey, what do you have new in your store, you know, so I was what can I say something I feel like in this country We're so used to tipping There's a good and a bad side out of it Because you see that 2k now if something sharp into your car when you come outside You are going to be angry those ugly boys will know fight for you so it's it's You can't even know where to draw the line because As annoying as it is Some of them are useful to you You see last night they stopped you maybe you did something wrong You know that you can bribe your way through now, but everybody's against Virgil and Corrosion, right? But it helps us to come out Just know where to draw the line No, but I don't even think for last night, you know Somebody actually explained something to me the other day and he said something he said When you get to a point in your life where you have to offer where they are demanding a bribe Then you have failed as a person what you should do Is you keep on wetting the ground it brought scriptures from the Bible to back it There is a way to keep on wetting the ground like without them asking send gifts and this and all that When an opportunity now comes that you need something from them. Nobody You understand would demand a bribe from you What I saw that makes sense That's what I'm saying is the audience okay, but let's take some So yes, wow Okay Go ahead Mary. Good evening ladies. Your money is your hard end and you're in control of it However, remember no one pays your bills for you Nothing wrong doing charity or lending money, but do it wisely Most people that come to borrow from you might be playing on your intelligence and not paying back by pretending to have something If you want to ask ask don't don't say you are going to borrow They are not give back. That's the one that I don't like. Just ask for the money in peace And let me give you a forget about it. Absolutely. I would have a caller. Sorry one minute Loma from Abia State Do you think good evening beautiful ladies? Yeah, just Loma from Abia State Go ahead In your Your topic today in fact you're complying with me on personal finance He is spending land Any woman any boy any girl and back on on grand spending Before you know it you will be borrowing You will end up being a borrower because This on grand spending has cost me A very It is a costly something that made me to cry in life because by now I supposed to be somewhere in terms of acquiring something meaningful, but you too On plan when you see this one and you blast at it. You see this one You will die at the end of the day You will become somebody will become broke. So I'm using this opportunity to tell people Please consider your on grand spending. Otherwise Your account will become wet. Thank you very much Thank you Loma, but you know what he's saying is true. So another Principle one finance person had taught me was you know, what you should do is every month the way you have emergency spend also have A savings that you keep aside for help and if you want to do charity and all of that So what you're doing is as people come is first come first serve business You keep on giving so once that account is exhausted for the month You are done. You can't go and touch from any other part of the savings So if you really are charitable at heart and you want to give right you can set aside But not the one that you so you is still then planned because it means that every month You are said, okay, I will not go beyond maybe 50k for all those Uh, people that come to me to say, okay, please borrow me this or give me this I never chop I've been hungry since two weeks ago You know like so those kinds of unplanned spending you can actually save up for that But again, all of these things is also dependent on your income because now Expenses are on the rise now. I have bills to pay, you know, I have monthly bills I have salaries I have all all the expenses are on the rise I've been battling whether to employ a driver or not employee driver The driver has come I told him hold on first, you know and all of that because I'm just thinking Will it be worth it at the end of the day the the money that I'm spending and because I'm not most of my work Now are now fully remote, right? So what will it how would that measure up for me? So that's why when BC said she cut down on her driver and all of that I could relate with it because that money you might think is small money But if you kept that money aside and you were saving it trust me or invested it in something It I've yielded a lot more, but let's take more comments comments and we go This says poverty is manmade is not natural self-discipline In spending is the number one trait You and I need to accomplish goals and leaves us with suitable long-term success In all aspects of life. There is always a price to pay when you can save wisely. This is from Bobby Kennedy from Jalingo. Thank you Bobby Kennedy Good evening my dear beautiful sisters of water. You're saying ways Daniel we've missed you impact of unplanned spending on personal finance Give giving is very good, but it has to be done with wisdom and care You can only give when it is necessary. My dear beautiful sister Mary Said it all you must learn how to say no You cannot give what you do not have Discipline should be included in giving if you keep on giving all the time There will definitely be a repercussion and you will be filled with regrets My dear beautiful sisters Mary and Cinello you look beautiful And you look beautiful and good looking. God bless you My name is Daniel. Hello. Your way is regular fan Sister Daniel has welcomed sister Mary and sister Cinello To the team for hey ladies. I mean, I think we've had a fantastic conversation. We apologize. We hear that Audio was a bit ratchy today. I will try to fix that But we had a fantastic conversation if for anything I have led Mary is my new best friend And how to chop life once a you know You should have a master class You should have a master class And have you actually noticed that if you actually don't sometimes yeah, we always say this saving But when you don't know actually even like something always comes to take off the money Yeah, actually always comes to take off the money. So let us let it be that it is me that took it. Yeah But thank you ladies. We had a fantastic conversation. Thank you Cinello, Mary, and NJ All right So before we go do ensure you follow us on instagram, tiktok everywhere youtube facebook Or bubu at wish you africa can interact with us further drop a comment And most importantly follow all our engagement on social media Like share and invite your families and friends to watch and follow the conversation now If you missed this quote, this quote went below the belt So if you have a master's degree in making money But You will say If you have a PhD in spending it Oh deep So You have to learn how to invest your money. We'll see you guys tomorrow at 8 p.m Must bring another great conversation to your screen. Enjoy