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How to organize a budget wedding with N100,000

The average Nigerian man who is eligible for marriage, usually gives financial constraints  as the first reason for delaying his dreams of getting settled. Truly, it cannot be denied that this is the number one barrier to most partners walking down the aisle, because once the barrier is broken, all other minor items usually fall in place.

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  • A budget wedding hardly comes to mind when you dream of your wedding day
  • However, as they say, with love, all things are possible.
  • If you are facing financial challenges and still want to get married to your lover then this article is for you.
  • Money should not be a barrier to tying the knot with your loved one.
  • As such, this article will show you how to organize your wedding with as little as N100,000.

 What Nigerians do/Wedding funds drive

These days,  people ‘tax’ everyone they know when they want to get married. Your financial contribution to the preparations becomes a MUST. I was minding my business ‘jeje-ly’, when I received a call from an ex neighbor who called to tell me that he was getting married. I was really happy at the news and congratulated him.

Get this; he was calling to get my contribution not to invite me to his wedding. I was miffed! I wasn’t there when you met your girlfriend (a lady like me), neither was I present when you got down on your knee and proposed to your wife-to-be in a highbrow restaurant. So why should I be a financier for your impending nuptials? I’m sure many people have their stories concerning the compulsory donation.

I once attended a wedding reception five years ago in Benin City, Edo State and witnessed a funny, somewhat interesting spectacle during the ceremony. As the couple sat on the beautifully decorated chair facing the guests in the spacious hall, I observed tears running down the groom’s eyes. I thought it was tears of joy, but later found out that the reverse was the case. He was crying when he saw the huge number of people trooping into the hall.

[READ ALSO: What can you do for side hustle as a banker?(Opens in a new browser tab)]

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He told me that the number of people he had invited was based on his budget but was surprised when more than 200 people were already inside the hall at the time. Fraught with a lot of unexplained emotions, the groom broke down and cried. Tears flowed freely from his eyes as he wondered  how to get additional refreshments for the uninvited guests.

Current situation

The average Nigerian man who is eligible for marriage, usually gives financial constraints  as the first reason for delaying his dreams of getting settled. Truly, it cannot be denied that this is the number one barrier to most partners walking down the aisle, because once the barrier is broken, all other minor items usually fall in place.

I had to ask someone who had weathered the storm and gotten married within his means and he (Clement) had this to say:

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”When I was planning to get married in 2005, things were so difficult and I had less than N50,000 in my savings account. My wife, out of concern asked me a few months to our wedding whether it won’t be wise for us to postpone the event based on the unavailability of funds. I categorically told her ‘No!’, because I was determined to see it through. Funds came from unusual sources and the wedding was conducted successfully. I celebrated my 12th year anniversary last Sunday and the marriage is blessed with three lovely kids.”

Planning a Nigerian wedding with N100,000

The truth is that one can achieve whatever one sets his/her heart to achieve as long as the determination is there. The question I asked myself yesterday while pondering on this subject was, “Is it really possible to organize a wedding on a tight budget of N100, 000?” The answer is a definite YES and I am going to explain how it can be done soon enough.

The biting economic situation in the country notwithstanding, Nigerians still create enough room for themselves when it comes to the issue of exchanging marital vows. One may ask: “How do they do it?” It is not difficult to achieve as long as one draws a decent budget based on the funds available. There is clearly no need to be extravagant when the resources are not really available.

The major items that consume most marriage budget are foods, drinks, clothing, reception venue, photography/video and music and Invitation cards The good news is that it is possible to cut down costs on these items and achieve the target of using N100, 000 to organize your dream wedding. The only condition is to stick religiously to the budget and avoid last-minute adjustments no matter the pressure.

Steps to planning a N100,000 wedding

The Guests

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The first step in ensuring that  you stay within the chosen budget is limiting the number of guests you intend to invite for the wedding reception. For the purpose of this budget, we shall stick to inviting 100 guests including families, colleagues and friends. The higher the number of guests invited, the higher the expenses that will be incurred. Entry into the reception venue should be strictly by invitation. This will curb the number of uninvited guests to the program.

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Food – Cook by yourself

Talking about food, rice is the favorite item used in entertaining guests in most weddings. Whether fried rice, jollof rice, white rice or coconut rice, people still enjoy eating it in most wedding programs. To start with, ensure that you go for just half a bag of rice for the event and this will cost about N9,000. This should be able to go round the 100 invited guests. All that is needed is for those serving, to measure the quantity of rice served.

Another important ingredient in most wedding programs is the meat. We shall be going for 2 cartons of frozen chicken which can be gotten at the rate of N12,000 each amounting to a total of N24,000. The chicken should be cut into about 120 pieces so it can go round each of the 100 invited guests. The reason for the additional 20 pieces is to allow for shortfalls when frying and serving.

Groundnut oil –  is needed for frying and also for preparing the rice. We shall be going for 4 litres of groundnut oil for the purpose of the budget. This will cost about N2,200 in the open market and it should be enough for all the frying and also for the rice. Ensure judicious use of it to avoid wastage.

A big can of tinned tomatoes costs about N1000, while fresh pepper and tomatoes worth N2,000 including ingredients (to spice the rice and meat) worth N2,000 should be enough to settle the food area. One thing to be taken note of is strict monitoring of those doing the cooking, because it is common to see women sneaking food items, especially fried meat home after cooking. That is a sad reality of the times we are in and proper monitoring will close those loopholes and ensure that the items are enough for the food to be prepared.

Drinks – go hand in hand with food in every marriage program. Since we are on a very tight budget, we shall be sticking to soft drinks alone. Of course people will complain, but it’s your occasion and you do what you have to do based on your budget, not what pleases people. The fact remains that if you bring in a truck load of assorted drinks, people will still complain about not getting enough to drink, so stick to soft drinks.

We shall be going for five crates of assorted soft drinks like Coke, Fanta and Sprite at the rate of N1350 per crate. This will give us a total of N6,750. You cannot do without water, so we shall go for 5 bags of sachet water at a total cost of N500. There should be 6 bottles of water at a cost of N600 for those at the high table.

The wedding attires

This can be tricky, considering how much attention women give to wedding gowns. But this is a wedding on a very tight budget so we have to be realistic. There is no need to make a new wedding gown for the bride. Just go for a rented gown which can be gotten for between N10,000 and N20,000 depending who you are renting from.

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We will advise using that of a relative or close friend as wedding gowns are often worn once. If you have the looks, then you can even borrow from a fashion designer looking for good photo-ops to sell their wedding gowns.

The bride’s shoe and makeup are other important things to spend money on. A budget of N5,000 to N7,000 should make this work.

Left for us, the groom will have to look at his wardrobe and get his best jacket. If they are not good enough, then you can also borrow from a close friend or relative. Ties, shoes and other accessories are things you already own, so no need to fuss.

Jewelry – Wedding rings are probably the biggest challenge for newly weds. But since this is a tight budget, we will assume this as a symbolic gesture. For this purpose, we can go for cheap rings. Look, no one needs to know except you and your bride. When you have money, you can always change your rings and life goes on.

The Wedding cake

Wedding cake is a common feature in most wedding receptions and a moderate one which can be baked and decorated at the cost of N10,000, will be decent enough for the occasion.

Venue

To cut costs further, it is needful to hold the wedding reception within the church premises to avoid paying huge fees for rented halls. Most churches allow couples to use their church premises as long as they keep it clean after use. All that will be needed is renting canopies and chairs at the cost of about N5,000. If your church doesn’t have premises or hall then you can use that of a friend.

Invitation cards

Thoughts about printing invitation cards should be discarded. You should opt for  using bulk SMS. This won’t cost more than N500 at most. You can also design a single invitation card and send via email to invited guests at a moderate cost of say N500. This will no doubt help to ensure you stay within your stipulated budget.

The not so mandatory

Most Nigerian weddings require that you share souvenirs in exchange for gift items. For you, this is not mandatory as you are on a tight budget. Presenting souvenirs to guests is optional, depending on the purse of the couple involved.

Another item you can skip paying for us hiring a Hiring of a DJ and getting a photographer/ video man to cover the occasion. Being a small family sized get together wedding, all you need to do is get a friend to lend you a sound system loud enough to get people to dance as well as operate a mic. Most people will fall over themselves to be the DJ of the day for free.

Getting a photographer to cover the event is not also mandatory. These days, mobile phones do an amazing job at keeping memories. Besides, most people take pictures as a hobby and what you need to do is to find someone who will gladly do this for you for free. This will likely be a family friend, who won’t demand cash from you, as they already know that you are on a tight budget.

Here is a breakdown of the above mentioned costs:

 

Yes, We can!

Planning a wedding can be stressful and costly if strict budgeting is not adhered to. It will be nice to see both families of  the couple come together to rejoice with their loved ones, but even better if the couple do not go out of their way to incur unnecessary expenses all in the name of pleasing friends and families that would grace their wedding ceremony. The above budget is just a guide that is practically implementable. All that is needed is the boldness to go ahead to do it.

Have a blissful wedding!

 

 

Chacha Wabara-Ogbobine is a Legal practitioner with over 9years post call experience. A research Consultant, professional writer and a blogger at heart,owner of four thriving websites with well over 10years of experience. Totally in love with keeping fit and coaching weight loss enthusiasts. I love my quiet time, being with my kids, watching TV series for hours on end.

8 Comments

8 Comments

  1. Prince Abraham

    January 8, 2020 at 1:16 pm

    This is wonderful. Please if you are in Lagos, i would like you to handle my upcoming event. Thank you.

  2. Lucky Johnson

    February 24, 2020 at 10:40 pm

    I’m short of words!
    Thanks for this refreshing post…

  3. Bliss

    April 8, 2020 at 12:30 pm

    Wow..with this weddings will be done at ease.

  4. David

    April 10, 2020 at 10:55 am

    Wao! This is really great. The thought of financing a wedding as weaken me and I don’t want to get married via pregnancy. Thanks a lot I pray my spouse understands

  5. Samuel Akpan

    April 12, 2020 at 7:53 am

    Thanks a lot. Most times the thought of wedding always scares the hell out of me and it’s not because of anything other than finance for the wedding….And it is really making my girlfriend feel I am not ready for commitment…And at times family and friends always complicate things with their unnecessary demands

  6. Motunrayo

    April 28, 2020 at 11:58 am

    Wow
    This is a life saver
    I reali appreciate you

    Thank a bunch

  7. Mercy

    October 18, 2020 at 6:48 pm

    Wow so nice well done to who pioneered this post.

  8. Anonymous

    November 8, 2020 at 11:06 am

    Thank so much,dis is really nice

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Personal Finance

Best ways to get free money with little or no effort

A good definition of free money with little or no effort is making money without a 9 to 5 job.

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Being successful has always been the goal, and would always be, and a large chunk of it is often determined by how much money you have. This is why many seek both passive and active ways to make money and hold 9 to 5 jobs while making side investments. The best and most convenient way to make money is when you do so with little or no effort. Sounds too good to be true? Read on to find out the best ways to get free money with little or no effort.

A good definition of free money with little or no effort is making money without a 9 to 5 job. Working all day to make money is stressful and not what this article focuses on. With the right combination of skills and the processes listed below, you can make money and remain lazier than you would have been with a standard job. Here are some of the best ways to do this:

  • Online sales: The emergence of e-commerce websites like Etsy means that you no longer have to go out there searching for customers. You can make a lot of money sitting at home by simply creating an account on the platform. The fantastic thing is that you do not even need to have the goods to sell stored in a warehouse somewhere. Instead, you can make a deal with store owners and put their products on your page. You can bargain commission on any product sales you make. That’s it, no much work, no investment, only profit.
  • Drive people around: Believe it or not, driving is one of the most lucrative businesses in Nigeria. This holds especially for busy areas like Lagos, and you can make a lot of money by only driving people around. You would be shocked at how many people are willing to pay double or triple the regular fee to have the car all to themselves. An excellent example of this is uber driving. This is one of the ways that require little effort, just drive!

(READ MORE:If you had $100,000 in cash, where would you invest it in US markets?)

  • Invest in high dividend stocks: To pull this off, you would need to invest a substantial sum. The plan is to invest in high dividend stocks and receive extra for it. Dividend stocks are when companies give shareholders additional stocks, which could be due to different reasons. Investing in one would see you earn more value in worth (which you can sell for profit) without literally doing anything. Simply wait and watch your investment bloom. However, understanding the stock market is very important, as a blind investment could see you lose a lot of money.
  • Sell your photography: This process is simple. Just take pictures and sell them off on the internet. Picture giants like iStock and Shutterstock are always looking to purchase new images. Simply log in and follow their guidelines, as anyone can submit a photo to be included. When anyone downloads your photo, you get a commission. That’s all, simply take pictures and make a lot of money.
  • Invest in real estate: Making money through real estate requires a large upfront investment, although it compensates with a large payout too. If you have the money, investing in real estate is one of the easiest ways to make free money with little or no effort. All you would need to do after investing is managing your property.
  • Take online surveys and play video games: Sounds like the perfect life, right? It can actually be. Some sites would pay you to complete their surveys and play videogames for feedbacks. These data, so to say, are sold to research firms that are trying to understand consumer habits.

(READ MORE: Where to invest $10,000 right now)

  • Open a high-interest savings account: This is another way to get free money by literally doing nothing order than paying a certain sum into your account. A high-interest savings account offers you greater interest compared to a regular savings account, as long as you leave your money for an agreed time. However, these accounts have a minimum opening balance that varies from one bank to another, and it’s usually not a small sum.
  • Sell your old stuff: This is kind of straight forward. Do you have things that you no longer use? Simply put them up for sale on an e-commerce website. Selling them would see you kill two birds with a stone. This is because you would both declutter your home and make money in the process while doing nothing literally.

These are some of the best ways that you can make free money with little or no effort. They all work, therefore study them, and combine the methods that work best for you. With the right dedication, you can start making money in a day or two by only doing the barest minimum.

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Personal Finance

Top 10 financial planning tips for newlyweds

Here are the basic steps to take to help you set your post-wedding finances on the right track as a couple.

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Financial problems are a major contributor of divorce by 36.7% according to Shelby B. Scott’s research. Before you work down the aisle, it is important to have a conversation around your finances. Start with the financial aspect of planning a wedding. Every female’s dream is to have a fairy tale wedding, but it is to the detriment of your finances, for those who cannot afford it.

Though your dream wedding can be achievable when planned and budgeted wisely, a lot of couples still make the mistake of spending money on extraneous things just to have a big and a fairy tale wedding, without having an upright plan for their future.

No wedding has won an Oscar award for being the biggest and no matter how glamorous your big day is, another person’s wedding will surpass it. Furthermore, taking a loan for a wedding is one of the financial mistakes some people make. They take a loan to impress people and end up starting their union on debts. It is important for one to cut down on expenses as weddings are mere events, while marriages are the main journey.

Congratulations! Your wedding was successful, you are ready to embrace each other’s outstanding qualities, unconditionally accept each other’s plight, and set plans on how to manage your finances to have a blissful union.

Here are the basic steps to take to help you set your post-wedding finances on the right track as a couple.

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Have money discussions

Before you walk down the aisle and commit to spending the rest of your lives together, you need to talk about how you will be spending your money as a couple. A lot of people are married but unhappy and the cause has to do with financial dilemmas.

Money has a huge role to play when it comes to having a happy and healthy union, so couples should dedicate time to discuss how they are going to manage their finances to avoid having money problems. An example is having a discussion around your salaries, savings, debts, spending habits and also discuss if you both want to merge your bank accounts or have a separate account.

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Be honest with your finance

Honesty has to do with having an open and honest discussion about your financials – both past and future, and it is vital to your financial success as a couple. Everyone has their own money habits, which have been shaped by their past experiences. Approaching money issues honestly and openly gives you a much better chance at having a strong, healthy financial relationship.

Make commitments to each other

No one cares more about your financial security than the two of you. Make a promise to each other to take joint responsibility and take steps to better your overall financial position by paying down debts, establishing a savings habit and investing in viable investment source for healthy long-term returns.

Have a budget

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Setting financial goals together should be your top priority. It is important that the goals are specific and achievable. Set goals that are equally rewarding, so that you both will be motivated to achieve them. Depend on each other for support and encourage one another to stay focused.

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Financial goals need budgets, as it enables you to manage your finances. Set a budget on your variables and fixed expenses. Review your budget regularly to identify problem areas. When you encounter challenges, try not to get discouraged and adjust as often as needed to ensure financial success.

Embrace your differences

The most important money move you can make for your relationship is to embrace your differences. Understand that you cannot change feelings created by a lifetime of experience; instead, try to nurture the positive aspects of each of your lifestyles. There is no one “right” way to handle your finances, so managing your money styles may be the perfect solution.

Here are 10 quick tips for planning together

  • Set priorities and specific goals and discuss them. Do not assume you both have the same goals without discussing them.
  • Discuss values. Sometimes different values make goal-setting difficult. An example is when one person wants to spend now and one wants to save for later, it can be a source of disagreement. The same is true when one spouse tends to be less risk-oriented than the other about investments.
  • Plan in five-year units. When planning for five-year blocks, you can set both intermediate and long-range goals without feeling you are being deprived forever.
  • Budget together. Set up a manageable system for your cash flow together.
  • Know where your money is going. Keep records of your spending.
  • Do not assume that because you are both working, that you have a lot more to spend.
  • Save regularly (emergency funds). Set up a savings account in both of your names and either set up an automatic transfer through your online bank app or take turns putting money into the account monthly.
  • Ensure you evaluate insurance. Getting insured is a vital part of adulthood, especially as a couple. Discuss the best insurance plan to go for.
  • Sit down together and discuss finances at least once a month.
  • Consider how many kids you want. This will help you come up with at least an early-stage financial plan.

Bottom Line

Some of the best marriage advice you can follow is to always be honest about your debts, income, and budgeting history. Marriage finances are a tricky topic, but it’s important that you discuss them regularly with your partner.

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Personal Finance

How to enter retirement with financial confidence

To enjoy retirement, you must create a structure around the work you love and surround yourself with the right people.

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Retirement Savings Account

There is a big disparity in the quality of life of the average salary worker in active service and in retirement. This gap between a luxurious life made possible by the borrowed wealth of the employer. And the miserable life made possible by the neglected wealth of employees is the reason why many people dread retirement.

The big question though is why does this gap exist?

Today I will show you the one reason why this gap exists, and how you can approach retirement with financial confidence.

So why does this gap exist?

There is only one reason. And this reason is the presence or absence of a Personal Money Making System

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What is a Money-making system?

A money-making system is any system that produces income enough to take care of bills, sustain living standard, and seize opportunities

Every organization has its own money-making system that generates income for the organization. Organizations use this income to pay bills, seize opportunities, and fund their luxurious lifestyle. It is also the income from this system that pay salaries and fund employees’ lifestyle. Employees get to benefit from this system and eat from it as long as they are connected to this system. And Employers reserve the right to choose who joins and leaves the system. Retirement is one of the ways employers refine and rejuvenate the system.

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The problem however is that most employees are oblivious to this system even though they work in it every day. Over 95% of them do not know how to create their own money-making system or even create one before retirement. They are carried away by the trappings of wealth produced by their employer’s system and neglect their own money-making system. At the end of their career, they are thrown out of the system and cut off from the wealth supply.

It is at this point that employees realize how ineffective their own money-making system has been. For the majority, the only system left to fall back on is the Government system-Pension. Unfortunately, pension is woefully inadequate to sustain employees’ living standards at the same level.

So If you are reading this article and the retirement bell has already begun to ring for you. And if you have not yet created your own money-making system. Now is the time to do so. Be rest assured that you will elevate your pain, suffering, and embarrassment in retirement. If you do not create your own money-making system.

So how do you create your own Money Making System and maintain the same quality of life?

There are three things you need.

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First, you need a Money-making seed. Second, you need the right Money Making Investment vehicle. And third, you need a Profitable work to retire to. Let’s look at each of these points in detail.

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The Money Making Seed.

One of the basic things to do while working in another man’s system is to create a certain seed that you can use to create your own system. All seeds are not created equal and certain seeds carry more value than others. Nevertheless, without a seed, you cannot create a money-making system to depend on.

So what are these seeds?

There are generally nine seeds you need to create your own money-making system. You do not need to have all nine seeds. But the more seeds you have the stronger will be your money-making system. Let’s look at the seeds.

The Nine Seeds for a Solid Money Making System

  1. The First seed is Savings or Cash Reserves- You need solid cash reserves to build a money-making system.
  2. The second seed is Income Producing Real Estate. If you have income-producing real estate with accessible funds you can also use this as the seed for your money-making system.
  3. The Third seed is a Large Pension Funds- Although a large pension Fund is a seed. It is one of the least viable seed. This is because pension is based on the cumulative contribution of just 20% of your income. This means that you will have to shrink your life downwards to depend on pension. Although pension can be diversified to create a lifetime income. Your living standard will still be stuck within 20% zone. The truth is Pension as of today is not a lifetime income and pension’s income is adjusted downwards the longer you live. So depending on pension alone is not wise.
  4. The Fourth seed is Liquid Investment- Your Liquid Investments depending on the size can serve as the seed for creating your own money-making system.
  5. The fifth is Lump Sum Payments. Lump-sum payments like Gratuity, 13th-month salary, or special Bonuses can be channeled to create your own money-making system.
  6. The Sixth is Life Insurance. If you have life insurance investment of any sizable cash value. This can also be used.

These are the six seeds to use if you have money stored up in any of the above options.

But If you have little money the rest three Options are what you can explore.

  1. The Seventh Seed is High-Income skills. To make money quickly there are certain skills you must have. I call them the Rich skills and there are only three of them. The First is problem-solving skills also known as innovation or creativity skills. The second is Relationship Building skills also Known as Networking skills. And the Third is marketing skills also known as sales skills. These three skills are the skills you need to make money from scratch.
  2. The Eight seed is Valuable Relationships. You need other people to deploy your skills and that is where valuable relationships come in. Without the right relationships, you cannot make any money.
  3. The Ninth seed is Opportunities to Earn Side Income: Even with the right skills and valuable relationships, you cannot earn income without the right platforms and opportunities. Thus finding income opportunities is key to creating a strong money-making system.

If you do not have any of these nine seeds, please know that your only other option is to shrink your life to fit into the 20% budget of your pension. There is no other way.

So what happens after you get the seed?

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After you get your seed the next thing to do is to get your Money Making Investment Vehicle. The Goal of the Investment Vehicle is to create a look-alike income for you in Retirement.

2.The Money-Making Investment Vehicle.

One of the worse things that can happen to you is for you to put all your years of hard work inside an Investment vehicle and lose it to thin air. When you are planning for retirement you need Certainty and not gambling. And there are only a few investment vehicles that fit these criteria. These investments are suitable Investments that can create a look-alike income like your current salary.

So how do you know these Investments?

There are 11 characteristics Investments that qualify as Retirement investment should have. Let’s take a look at them

The 11 Characteristics of the Right Investment Vehicle for Retirement.

  1. They have the capacity to produce consistent and regular income and can perfectly replace salary.
  2. There are Passive in nature. Passive income gives you the allowance to focus on other income-generating activities.
  3. There do not fluctuate, reduce in size, skip, or miss.
  4. There last for a Lifetime and cannot Run Out on you.
  5. There are strong enough to cover your Bills, living standard, or lifestyle whichever you choose.
  6. There have Zero to little maintenance once set up.
  7. There are difficult to Lose.
  8. The risk inherent in them has a low likelihood of occurrence.
  9. There are a Proven Investment Option
  10. There require Zero ongoing expense once set up
  11. Your Principal investment is not destroyed even in the worst-case scenario

These are the eleven Characteristics of the kind of investment that is suitable for your Retirement Income. If you need help understanding which Investment is right for you at this time send an email to [email protected].

So what happens after you replace your income?

The next thing to do is to find a replacement for your work. The other part of your job that brings meaning to your life.

3.Profitable Work

One of the reasons you go to work every day besides income is the satisfaction you get from your work. Idleness is not in our DNA and your life becomes meaningless when you are Idle. Retirement is thus not an express ticket into a life of idleness and laziness. You must preserve the satisfaction you get from your work.

But how exactly do you achieve this?

To achieve this you need to export the structure that produces productivity, Value and Income in your current work.

Your current job brings you satisfaction because there is a structure to everything you do. There is a big agenda that runs the organization. There are processes and systems. You are told what to do, when to resume and how to make each hour count. And you work in collaboration with other people each thriving in their areas of strength. Retirement marks the end of this structure. You will be practically thrown out from a structured environment into your own unstructured environment filled with idle days and idle time. If you do not plan ahead to create a structure for your day and around the things you love. You will descend from a life of happiness, productivity and meaning. To a life of depression, demotivation and anger. Creating structure in your day, giving meaning to time and surrounding yourself with the right people are the three ways to preserve the satisfaction you currently get from your job.

The problem is while most people can work in a structured environment, only a few people can create their own structured environment. To enjoy retirement, you must create a structure around the work you love. Make the work profitable and surround yourself with the right people.

These are the only three things to do to approach retirement with financial confidence.

Perhaps you are thinking to yourself, how do I start and where do I begin. We can help you get started. To get help send an email to [email protected]/

The best way to enter retirement with Boldness is to create your own money-making system, carry along the things you loved about your job and leave the rest behind.


 

About author

Grace Agada is The Senior Financial Happiness Director @ Create Solid Wealth. She is an Author, and Column Contributor in Six National Newspaper. She is a contributor at BellaNaija, Nairametrics and Proshare and she is on a mission to help working-class professionals and CEOs become more financially successful. To learn more about Grace and how she can help you send an email to [email protected]

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