So i started dating this guy who's "really into birds." Thought that meant he had a bird feeder or whatever. Showed up to his place for the first time. This man has SEVEN parrots. Seven. They all talk. They all have opinions. One of them heckled me during dinner. Called me "the new one" in a British accent for some reason. My boyfriend thinks it's charming. I'm being bullied by a bird named Gerald. Tried to have a serious conversation with my boyfriend last night and Gerald kept interrupting with "IRRELEVANT" in that same British accent. The other birds think Gerald is hilarious. They're learning from him. I'm outnumbered. My boyfriend proposed last week. Gerald said "she'll say no." I said yes out of spite. Gerald has been sulking for three days.
You need 4 bank accounts if you want to build wealth without constantly wondering where your money went:
1. Income Account
This is where all your money comes in. salary, business income, side hustles, investment returns, and every other source of income. Don't spend directly from this account. Let it be the control centre where every naira is assigned a purpose.
2. Essentials Account
This covers your monthly necessities: rent, groceries, transportation, utilities, subscriptions, and other unavoidable expenses. Automatically transfer a fixed percentage here every month. If it's not a necessity, it doesn't belong in this account. Be honest with yourself.
3. Investment Account
This is where your future is built. Use it for stocks, crypto, index funds, retirement savings, or saving toward a home. Pay your future self before anyone else. Money leaving this account should create more wealth, not fund lifestyle upgrades.
4. Fun Account
Life isn't just about paying bills. Set aside a fixed amount for dining out, skincare, entertainment, travel, shopping, or hobbies. When your fun money runs out, the fun pauses until next month. Keeping pleasure separate from essentials helps you enjoy your money without guilt or overspending.
The goal isn't to have more bank accounts.
The goal is to give every naira a clear assignment before it disappears.
If you don't want four separate bank accounts, you can also use dedicated sub-accounts, wallets, or budgeting "spaces" offered by many banks and finance apps. The key idea is separating the purpose of your money, not necessarily opening four different banks.
Please oh, yahoo boys in the house.. (a.k.a thieves).. how do you people do it? I mean your conscience..
Yesterday, I made a 50k transfer to a POS man. I did this on my way to get some things as I didn't have my card with me.
I received an alert later in the evening, and the balance wasn't corresponding. It was 50k higher than what I expected to have left in the account. Curious, I checked immediately and realised the 50k I earlier sent to that POS man either didn't go through, or was reversed. The man didn't even bother to check if it dropped before I left. Probably because I was already in a cab. He also had a few customers he was attending to.
I quickly hailed a bike as I stepped out, straight to his stand. He had closed for the day.
I was restless within me. You know why? He would go home, and find out he's short of 50k. He would not be happy, he would feel pained. He's a family man, he has kids he needs to feed.. he might be thinking he had lost the money. I thought of every possible emotions that man may feel over the night. I was sad for him, but happy because I knew I will get back to him by morning.
This morning, I headed to his POS stand again. He was there. He didn't even recognise me. I had to explain that I was the lady in a cab that withdrew 50k yesterday. And that the money was reversed or something. This man almost had my head with his "thank you". He kept saying.. "thank you madam, God bless you." I transferred to him and was almost on my way. He stopped me and asked "why?".
Why what?... I don't understand. It's your money.
Two men were there when this happened. One of them told the man that he was lucky, the other one said "all these one na show, if I see bombing bomb now.. everywhere go stew". I immediately knew he was an "upcoming" thief (yahoo boy).
The man kept lamenting about how much he had lost on that stand. But he keeps pushing because he has a family to take care of.
He asked me to come to his stand at anytime I probably need "help". That, he will never forget my face.
On my way, I kept pondering and asking myself how we got here. When has it become something to celebrate, that someone returns to return YOUR OWN MONEY!
If you can take something that doesn't belong to you, and be comfortable, you're no longer a human. The devil is your apprentice.
Yahoo boys, I don't like you people at all because I don't like wicked people. If you're following me, please unfollow me now and block me.
T for thanks!!!
Started a new job and everyone kept mentioning "the incident" but nobody would tell me what it was. After three weeks I finally asked directly. Turns out my predecessor had a mental breakdown and threw a printer out the second-story window. Okay, weird, but whatever. Then yesterday our printer jammed. Without thinking I said "this makes me want to throw it out the window" and the entire office went SILENT. Dead silent. Someone whispered "oh god not again." Now they think I have printer-related rage issues. I've been moved away from all windows. There's a staff meeting Monday about "workplace wellness.”
@ok6ixx You should play into it. Like contemplatively knock on the windows like you’re testing the thickness of the glass, menacingly mutter death threats to the printer whenever you use it. Hell you should pick it up like you’re testing its weight