Financial Literacy

Difference between FGN Savings and Treasury Bills

Published

1 year ago

August 16, 2019

Before now the retail investors in Nigeria who wanted to invest in risk free short-term dated interested yielding securities could only invest in treasury bills. However, earlier this year the Federal Government introduced the FGN Savings Bond as an alternative security to fixed income loving retail investors.

But unlike treasury bills, the FGN Savings bonds is longer in tenor and offers different investing propositions. In this article, we will attempt to differentiate between the two forms of investing, helping you decide what is good for you based on your investment appetite.

[Calculate Treasury bills]

Before we get to the differences, they do have common benefits and characteristics, which are listed below:

No fees or charges for subscriptions or bids
Both are listed on The Nigerian Stock Exchange and can be sold before maturity by investors through the secondary market
They are backed by the full faith and credit of the Federal Government of Nigeria
Interest income is exempted from tax
They can be used as collateral for loans

[Read Also: 9 TIPS to KNOW when NOT to INVEST]

The major differences that stick out between the both of them are highlighted below

Date	Currency	Buy(AM)	Sell(AM)	Buy(PM)	Sell(PM)	Volatility
11/11/2020	Dollar	455	460
11/11/2020	Pounds	585	590
11/11/2020	Euro	535	540
11/10/2020	Dollar	457	462	457	462	Low
11/10/2020	Pounds	583	587	583	587	Low
11/10/2020	Euro	535	540	535	540	Low
11/09/2020	Dollar	457	462	457	462	Low
11/09/2020	Pounds	585	590	585	590	Low
11/09/2020	Euro	535	540	535	540	Low
11/06/2020	Dollar	457	462	457	462	Low
11/06/2020	Pounds	585	590	585	590	Low
11/06/2020	Euro	535	540	535	540	Low
11/05/2020	Dollar	457	462	457	462	Low
11/05/2020	Pounds	585	590	585	590	Low
11/05/2020	Euro	535	540	535	540	Low
11/04/2020	Dollar	457	462	457	462	Low
11/04/2020	Pounds	585	590	585	590	Low
11/04/2020	Euro	535	540	535	540	Low
11/03/2020	Dollar	457	462	457	462	Low
11/03/2020	Pounds	585	590	585	590	Low
11/03/2020	Euro	535	540	535	540	Low
11/02/2020	Dollar	457	460	457	460	Low
11/02/2020	Pounds	585	590	585	590	Low
11/02/2020	Euro	530	535	530	535	Low
10/30/2020	Dollar	457	460	457	460	Low
10/30/2020	Pounds	585	590	585	590	Low
10/30/2020	Euro	530	535	530	535	Low
10/29/2020	Dollar	457	460	457	460	Low
10/29/2020	Pounds	585	590	585	590	Low
10/29/2020	Euro	530	535	530	535	Low
10/28/2020	Dollar	457	460	457	460	Low
10/28/2020	Pounds	585	590	585	590	Low
10/28/2020	Euro	530	535	530	535	Low
10/27/2020	Dollar	457	461	457	461	Low
10/27/2020	Pounds	585	590	585	590	Low
10/27/2020	Euro	535	540	535	540	Low
10/26/2020	Dollar	457	461	457	461	Low
10/26/2020	Pounds	585	590	585	590	Low
10/26/2020	Euro	535	540	535	540	Low
10/23/2020	Dollar	457	461	457	461	Low
10/23/2020	Pounds	585	590	585	590	Low
10/23/2020	Euro	535	540	535	540	Low
10/22/2020	Dollar	457	461	457	461	Low
10/22/2020	Pounds	585	590	585	590	Low
10/22/2020	Euro	535	540	535	540	Low
10/21/2020	Dollar	456	460	456	460	Low
10/21/2020	Pounds	582	593	582	593	Low
10/21/2020	Euro	535	540	535	540	Low
10/20/2020	Dollar	456	460	456	460	Low
10/20/2020	Pounds	582	593	582	593	Low
10/20/2020	Euro	535	540	535	540	Low
10/19/2020	Dollar	455	460	455	460	Low
10/19/2020	Pounds	583	592	583	592	Low
10/19/2020	Euro	530	535	530	535	Low
10/16/2020	Dollar	455	460	455	460	Low
10/16/2020	Pounds	583	592	583	592	Low
10/16/2020	Euro	530	535	530	535	Low
10/15/2020	Dollar	455	460	455	460	Low
10/15/2020	Pounds	583	592	583	592	Low
10/15/2020	Euro	530	535	530	535	Low
10/14/2020	Dollar	455	460	455	460	Low
10/14/2020	Pounds	585	590	585	590	Low
10/14/2020	Euro	530	535	530	535	Low
10/13/2020	Dollar	453	458	455	460	Low
10/13/2020	Pounds	585	590	585	590	Low
10/13/2020	Euro	530	535	530	535	Low
10/12/2020	Dollar	452	458	452	458	Low
10/12/2020	Pounds	580	585	580	585	Low
10/12/2020	Euro	530	535	530	535	Low
10/09/2020	Dollar	452	457	452	457	Low
10/09/2020	Pounds	585	590	585	590	Low
10/09/2020	Euro	535	540	535	540	Low
10/08/2020	Dollar	452	457	452	457	Low
10/08/2020	Pounds	585	590	585	590	Low
10/08/2020	Euro	535	540	535	540	Low
10/07/2020	Dollar	452	457	452	457	Low
10/07/2020	Pounds	585	590	585	590	Low
10/07/2020	Euro	535	540	535	540	Low
10/06/2020	Dollar	452	457	452	457	Low
10/06/2020	Pounds	580	585	580	585	Low
10/06/2020	Euro	535	540	535	540	Low
10/05/2020	Dollar	452	455	452	455	Low
10/05/2020	Pounds	570	580	570	580	Low
10/05/2020	Euro	540	545	540	545	Low
10/02/2020	Dollar	460	465	460	465	Low
10/02/2020	Pounds	575	585	575	585	Low
10/02/2020	Euro	530	540	530	540	Low
10/01/2020	Dollar	460	465	460	465	Low
10/01/2020	Pounds	575	585	575	585	Low
10/01/2020	Euro	530	540	530	540	Low
9/30/2020	Dollar	460	465	460	465	Low
9/30/2020	Pounds	570	580	570	580	Low
9/30/2020	Euro	530	535	530	535	Low
9/29/2020	Dollar	460	465	460	465	Low
9/29/2020	Pounds	565	575	570	580	Low
9/29/2020	Euro	530	535	530	535	Low
9/28/2020	Dollar	460	465	460	465	Low
9/28/2020	Pounds	565	570	565	570	Low
9/28/2020	Euro	530	535	530	535	Low
9/25/2020	Dollar	460	465	460	465	Low
9/25/2020	Pounds	565	575	565	575	Low
9/25/2020	Euro	535	540	535	540	Low
9/24/2020	Dollar	460	465	460	465	Low
9/24/2020	Pounds	565	570	565	570	Low
9/24/2020	Euro	535	540	535	540	Low
9/23/2020	Dollar	455	460	455	460	Low
9/23/2020	Pounds	580	585	580	585	Low
9/23/2020	Euro	535	540	535	540	Low
9/22/2020	Dollar	455	460	455	460	Low
9/22/2020	Pounds	575	585	575	580	Low
9/22/2020	Euro	530	535	530	535	Low
9/21/2020	Dollar	453	455	450	455	Low
9/21/2020	Pounds	565	570	565	570	Low
9/21/2020	Euro	525	530	525	530	Low
9/18/2020	Dollar	450	460	450	460	Low
9/18/2020	Pounds	575	595	575	595	Low
9/18/2020	Euro	535	540	535	540	Low
9/17/2020	Dollar	455	460	455	460	Low
9/17/2020	Pounds	570	580	570	580	Low
9/17/2020	Euro	530	535	530	535	Low
9/16/2020	Dollar	450	460	450	460	Low
9/16/2020	Pounds	565	570	565	570	Low
9/16/2020	Euro	525	530	525	530	Low
9/15/2020	Dollar	450	460	450	460	Low
9/15/2020	Pounds	565	570	565	570	Low
9/15/2020	Euro	525	530	525	530	Low
9/14/2020	Dollar	445	455	445	455	Low
9/14/2020	Pounds	560	575	560	575	Low
9/14/2020	Euro	515	525	515	525	Low
09/11/2020	Dollar	450	455	450	455	Low
09/11/2020	Pounds	555	565	555	565	Low
09/11/2020	Euro	525	530	525	530	Low
09/10/2020	Dollar	455	460	455	460	Low
09/10/2020	Pounds	545	560	545	560	Low
09/10/2020	Euro	525	530	525	530	Low
09/09/2020	Dollar	430	440	430	440	Low
09/09/2020	Pounds	540	555	540	555	Low
09/09/2020	Euro	500	510	500	510	Low
09/08/2020	Dollar	435	440	435	440	Low
09/08/2020	Pounds	540	550	540	550	Low
09/08/2020	Euro	505	515	505	515	Low
09/07/2020	Dollar	435	440	435	440	Low
09/07/2020	Pounds	525	530	525	530	Low
09/07/2020	Euro	505	515	505	515	Low
09/04/2020	Dollar	425	440	425	440	Low
09/04/2020	Pounds	560	580	560	580	Low
09/04/2020	Euro	505	515	505	515	Low
09/03/2020	Dollar	425	440	425	440	Low
09/03/2020	Pounds	560	580	560	580	Low
09/03/2020	Euro	520	535	505	515	High
09/02/2020	Dollar	425	440	425	440	Low
09/02/2020	Pounds	570	580	560	580	Low
09/02/2020	Euro	535	540	520	535	Low
09/01/2020	Dollar	462	465	435	440	High
09/01/2020	Pounds	565	575	570	580	Low
09/01/2020	Euro	535	540	535	540	Low
8/31/2020	Dollar	463	470	460	465	High
8/31/2020	Pounds	585	595	580	590	Low
8/31/2020	Euro	540	545	540	545	Low
8/28/2020	Dollar	472	477	472	477	Low
8/28/2020	Pounds	580	595	580	595	Low
8/28/2020	Euro	545	552	545	552	Low
8/27/2020	Dollar	472	477	472	477	Low
8/27/2020	Pounds	580	590	580	590	Low
8/27/2020	Euro	542	552	542	552	Low
8/26/2020	Dollar	472	477	472	477	Low
8/26/2020	Pounds	580	590	580	590	Low
8/26/2020	Euro	542	552	542	552	Low
8/25/2020	Dollar	472	477	472	477	Low
8/25/2020	Pounds	575	585	575	585	Low
8/25/2020	Euro	542	552	542	552	Low
8/24/2020	Dollar	473	477	473	477	Low
8/24/2020	Pounds	580	590	580	590	Low
8/24/2020	Euro	542	550	542	550	Low
8/21/2020	Dollar	474	477	474	477	Low
8/21/2020	Pounds	575	585	575	585	Low
8/21/2020	Euro	545	550	545	550	Low
8/20/2020	Dollar	475	478	473	477	Low
8/20/2020	Pounds	575	585	575	585	Low
8/20/2020	Euro	540	550	540	550	Low
8/19/2020	Dollar	475	480	475	480	Low
8/19/2020	Pounds	575	585	575	585	Low
8/19/2020	Euro	540	550	540	550	Low
8/18/2020	Dollar	477	480	477	480	Low
8/18/2020	Pounds	575	580	575	580	Low
8/18/2020	Euro	545	550	545	550	Low
8/17/2020	Dollar	470	475	470	475	Low
8/17/2020	Pounds	580	590	580	590	Low
8/17/2020	Euro	525	535	525	535	Low
8/14/2020	Dollar	470	475	470	475	Low
8/14/2020	Pounds	570	580	570	580	Low
8/14/2020	Euro	525	535	520	535	Low
8/13/2020	Dollar	470	475	470	475	Low
8/13/2020	Pounds	570	575	565	575	Low
8/13/2020	Euro	525	530	520	530	Low
08/12/2020	Dollar	470	475	470	475	Low
08/12/2020	Pounds	570	575	570	575	Low
08/12/2020	Euro	520	530	520	530	Low
08/11/2020	Dollar	477	485	477	485	Low
08/11/2020	Pounds	572	584	572	584	Low
08/11/2020	Euro	510	523	520	535	Low
08/10/2020	Dollar	477	485	477	485	Low
08/10/2020	Pounds	572	584	572	584	Low
08/10/2020	Euro	510	523	520	535	High
08/07/2020	Dollar	475	486	475	486	Low
08/07/2020	Pounds	578	585	578	585	Low
08/07/2020	Euro	536	550	536	550	Low
08/06/2020	Dollar	470	480	475	486	Low
08/06/2020	Pounds	575	587	578	585	Low
08/06/2020	Euro	534	545	536	550	Low
08/05/2020	Dollar	465	475	473	483	Low
08/05/2020	Pounds	570	580	575	587	Low
08/05/2020	Euro	525	540	532	545	Low
08/04/2020	Dollar	470	480	470	480	Low
08/04/2020	Pounds	560	570	560	570	Low
08/04/2020	Euro	520	530	520	530	Low
08/03/2020	Dollar	470	480	470	480	Low
08/03/2020	Pounds	560	570	560	570	Low
08/03/2020	Euro	520	530	520	530	Low
7/31/2020	Dollar	470	480	470	485	High
7/31/2020	Pounds	570	582	575	585	Low
7/31/2020	Euro	500	520	505	520	Low
7/30/2020	Dollar	470	490	470	485	High
7/30/2020	Pounds	550	570	550	580	High
7/30/2020	Euro	495	520	500	525	High
7/29/2020	Dollar	468	475	467	475	Low
7/29/2020	Pounds	575	585	580	590	Low
7/29/2020	Euro	530	540	530	545	Low
7/28/2020	Dollar	469	475	467	475	Low
7/28/2020	Pounds	575	593	580	595	Low
7/28/2020	Euro	550	560	540	550	Low
7/27/2020	Dollar	465	473	466	473	Low
7/27/2020	Pounds	570	580	575	583	Low
7/27/2020	Euro	510	520	515	530	Low
7/24/2020	Dollar	465	472	464	472	Low
7/24/2020	Pounds	570	580	572	582	Low
7/24/2020	Euro	510	520	505	520	Low
7/23/2020	Dollar	460	472	465	472	Low
7/23/2020	Pounds	565	575	565	580	Low
7/23/2020	Euro	510	520	505	520	Low
7/22/2020	Dollar	465	472	465	472	Low
7/22/2020	Pounds	565	575	560	578	Low
7/22/2020	Euro	510	525	510	528	Low
7/21/2020	Dollar	461	472	462	472	Low
7/21/2020	Pounds	560	573	560	575	Low
7/21/2020	Euro	498	515	500	520	Low
7/20/2020	Dollar	460	473	462	473	Low
7/20/2020	Pounds	550	570	555	575	Low
7/20/2020	Euro	495	505	500	510	Low
7/17/2020	Dollar	462	470	460	470	Low
7/17/2020	Pounds	560	570	558	570	Low
7/17/2020	Euro	490	500	490	500	Low
7/16/2020	Dollar	460	470	460	470	Low
7/16/2020	Pounds	558	565	560	570	Low
7/16/2020	Euro	485	495	485	499	Low
7/15/2020	Dollar	455	465	455	470	Low
7/15/2020	Pounds	560	565	558	570	Low
7/15/2020	Euro	485	495	488	498	Low
7/14/2020	Dollar	448	462	455	470	Low
7/14/2020	Pounds	540	550	557	570	Low
7/14/2020	Euro	485	495	489	498	Low
7/13/2020	Dollar	450	460	448	462	Low
7/13/2020	Pounds	540	550	540	550	Low
7/13/2020	Euro	485	495	485	495	Low
07/10/2020	Dollar	453	460	458	465	Low
07/10/2020	Pounds	520	525	550	555	High
07/10/2020	Euro	465	467	510	520	High
07/09/2020	Dollar	455	461	455	463	Low
07/09/2020	Pounds	550	558	550	562	Low
07/09/2020	Euro	495	504	498	505	Low
07/08/2020	Dollar	455	461	455	461	Low
07/08/2020	Pounds	550	558	550	558	Low
07/08/2020	Euro	495	504	495	504	Low
07/07/2020	Dollar	455	461	455	461	Low
07/07/2020	Pounds	550	558	550	558	Low
07/07/2020	Euro	495	502	495	502	Low
07/06/2020	Dollar	455	462	455	461	Low
07/06/2020	Pounds	550	562	547	555	Low
07/06/2020	Euro	495	502	496	502	Low
07/03/2020	Dollar	455	462	454	461	Low
07/03/2020	Pounds	548	560	550	560	Low
07/03/2020	Euro	495	505	495	502	Low
07/02/2020	Dollar	455	462	454	461	Low
07/02/2020	Pounds	548	560	550	560	Low
07/02/2020	Euro	495	505	495	502	Low
07/01/2020	Dollar	455	462	455	462	Low
07/01/2020	Pounds	548	560	548	560	Low
07/01/2020	Euro	495	505	495	505	Low
6/30/2020	Dollar	452	460	452	460	Low
6/30/2020	Pounds	547	560	547	560	Low
6/30/2020	Euro	495	505	495	505	Low
6/29/2020	Dollar	450	460	450	460	Low
6/29/2020	Pounds	547	560	547	560	Low
6/29/2020	Euro	495	505	495	505	Low
6/26/2020	Dollar	452	457	452	460	Low
6/26/2020	Pounds	547	557	547	560	Low
6/26/2020	Euro	490	498	490	502	Low
6/25/2020	Dollar	452	457	450	455	Low
6/25/2020	Pounds	547	557	547	560	Low
6/25/2020	Euro	490	498	490	499	Low
6/24/2020	Dollar	450	460	450	455	Low
6/24/2020	Pounds	545	555	545	555	Low
6/24/2020	Euro	490	495	488	498	Low
6/23/2020	Dollar	450	460	445	455	Low
6/23/2020	Pounds	545	555	545	555	Low
6/23/2020	Euro	490	495	490	495	Low
6/22/2020	Dollar	450	455	450	455	Low
6/22/2020	Pounds	545	555	545	555	Low
6/22/2020	Euro	488	498	488	498	Low
6/19/2020	Dollar	445	455	445	455	Low
6/19/2020	Pounds	540	553	540	553	Low
6/19/2020	Euro	480	490	480	490	Low
6/18/2020	Dollar	445	452	445	452	Low
6/18/2020	Pounds	537	550	537	550	Low
6/18/2020	Euro	475	490	475	490	Low
6/17/2020	Dollar	445	452	445	452	Low
6/17/2020	Pounds	540	553	537	550	Low
6/17/2020	Euro	475	490	475	490	Low
6/16/2020	Dollar	440	450	445	452	Low
6/16/2020	Pounds	540	550	540	553	Low
6/16/2020	Euro	475	485	475	490	Low
6/15/2020	Dollar	440	450	440	450	Low
6/15/2020	Pounds	540	550	540	550	Low
6/15/2020	Euro	475	485	475	485	Low
06/12/2020	Dollar	440	450	440	450	Low
06/12/2020	Pounds	538	550	538	550	Low
06/12/2020	Euro	470	485	470	485	Low
06/11/2020	Pounds	538	550	538	550	Low
06/11/2020	Dollar	440	450	440	450	Low
06/11/2020	Euro	470	485	470	485	Low
06/10/2020	Pounds	538	550	540	553	Low
06/10/2020	Dollar	440	450	445	452	Low
06/10/2020	Euro	470	485	475	490	Low
06/09/2020	Pounds	538	550	540	550	Low
06/09/2020	Dollar	440	450	440	450	Low
06/09/2020	Euro	470	485	475	485	Low
06/08/2020	Pounds	540	550	540	550	Low
06/08/2020	Dollar	440	450	440	450	Low
06/08/2020	Euro	475	485	475	485	Low
06/05/2020	Pounds	535	545	535	545	Low
06/05/2020	Dollar	440	450	440	450	Low
06/05/2020	Euro	460	472	460	472	Low
06/04/2020	Pounds	530	543	530	543	Low
06/04/2020	Dollar	440	447	440	447	Low
06/04/2020	Euro	460	470	460	470	Low
06/03/2020	Pounds	530	540	530	540	Low
06/03/2020	Dollar	440	445	440	445	Low
06/03/2020	Euro	460	470	460	470	Low
06/02/2020	Pounds	535	545	535	545	Low
06/02/2020	Dollar	440	450	440	450	Low
06/02/2020	Euro	460	472	460	472	Low
06/01/2020	Pounds	530	543	530	543	Low
06/01/2020	Dollar	440	447	440	447	Low
06/01/2020	Euro	460	470	460	470	Low
5/29/2020	Pounds	530	540	530	540	Low
5/29/2020	Dollar	440	445	440	445	Low
5/29/2020	Euro	460	470	460	470	Low
5/28/2020	Pounds	535	545	535	545	Low
5/28/2020	Dollar	440	450	440	450	Low
5/28/2020	Euro	460	472	460	472	Low
5/27/2020	Pounds	530	543	530	543	Low
5/27/2020	Dollar	440	447	440	447	Low
5/27/2020	Euro	460	470	460	470	Low
5/26/2020	Pounds	530	540	530	540	Low
5/26/2020	Dollar	440	445	440	445	Low
5/26/2020	Euro	460	470	460	470	Low
5/25/2020	Pounds	535	545	535	545	Low
5/25/2020	Dollar	440	450	440	450	Low
5/25/2020	Euro	460	472	460	472	Low
5/22/2020	Pounds	530	543	530	543	Low
5/22/2020	Dollar	440	447	440	447	Low
5/22/2020	Euro	460	470	460	470	Low
5/21/2020	Pounds	530	545	530	545	Low
5/21/2020	Dollar	450	460	450	460	Low
5/21/2020	Euro	460	470	460	470	Low
5/20/2020	Pounds	530	550	530	550	Low
5/20/2020	Dollar	445	460	445	460	Low
5/20/2020	Euro	450	470	450	470	Low
5/19/2020	Pounds	528	540	528	540	Low
5/19/2020	Dollar	445	460	445	460	Low
5/19/2020	Euro	450	465	450	465	Low
5/18/2020	Pounds	528	540	528	540	Low
5/18/2020	Dollar	445	460	445	460	Low
5/18/2020	Euro	450	465	450	465	Low
5/15/2020	Pounds	530	540	525	535	Low
5/15/2020	Dollar	435	450	440	455	Low
5/15/2020	Euro	450	460	450	465	Low
5/14/2020	Pounds	530	540	530	540	Low
5/14/2020	Dollar	435	450	435	450	Low
5/14/2020	Euro	450	460	450	460	Low
5/13/2020	Pounds	525	535	525	535	Low
5/13/2020	Dollar	430	450	430	450	Low
5/13/2020	Euro	440	455	440	455	Low
05/12/2020	Pounds	525	535	525	535	Low
05/12/2020	Dollar	435	450	435	450	Low
05/12/2020	Euro	445	455	445	455	Low
05/11/2020	Pounds	510	530	525	535	Low
05/11/2020	Dollar	430	445	435	445	Low
05/11/2020	Euro	440	450	445	455	Low
05/08/2020	Pounds	510	530	510	530	Low
05/08/2020	Dollar	425	437	430	445	Low
05/08/2020	Euro	425	440	440	450	Low
05/07/2020	Pounds	510	530	510	530	Low
05/07/2020	Dollar	425	437	425	437	Low
05/07/2020	Euro	425	440	425	440	Low
05/06/2020	Pounds	510	520	510	520	Low
05/06/2020	Dollar	425	437	425	437	Low
05/06/2020	Euro	430	450	430	450	Low
05/05/2020	Pounds	510	525	510	525	Low
05/05/2020	Dollar	410	430	420	430	Low
05/05/2020	Euro	425	435	425	435	Low
05/04/2020	Pounds	500	510	510	525	Low
05/04/2020	Dollar	435	450	410	430	Low
05/04/2020	Euro	430	440	425	435	Low
05/01/2020	Pounds	500	510	500	510	Low
05/01/2020	Dollar	435	450	435	450	Low
05/01/2020	Euro	430	445	430	445	Low
4/30/2020	Pounds	500	510	500	510	Low
4/30/2020	Dollar	435	450	435	450	Low
4/30/2020	Euro	430	445	430	445	Low
4/29/2020	Pounds	500	520	500	520	Low
4/29/2020	Dollar	440	460	440	460	Low
4/29/2020	Euro	450	465	450	465	Low
4/28/2020	Pounds	495	510	500	520	Low
4/28/2020	Dollar	430	450	440	460	Low
4/28/2020	Euro	435	450	435	450	Low
4/27/2020	Pounds	495	510	495	510	Low
4/27/2020	Dollar	430	450	430	450	Low
4/27/2020	Euro	435	450	435	450	Low
4/24/2020	Pounds	490	500	490	500	Low
4/24/2020	Dollar	428	450	428	450	Low
4/24/2020	Euro	430	440	430	440	Low
4/23/2020	Pounds	490	500	490	500	Low
4/23/2020	Dollar	420	430	420	430	Low
4/23/2020	Euro	425	435	425	435	Low
4/22/2020	Pounds	490	500	490	500	Low
4/22/2020	Dollar	420	425	420	430	Low
4/22/2020	Euro	425	435	425	435	Low
4/21/2020	Pounds	490	500	490	500	Low
4/21/2020	Dollar	420	430	420	430	Low
4/21/2020	Euro	425	435	425	435	Low
4/20/2020	Pounds	490	500	490	500	Low
4/20/2020	Dollar	420	430	420	430	Low
4/20/2020	Euro	425	435	425	435	Low
4/17/2020	Pounds	490	500	490	500	Low
4/17/2020	Dollar	420	430	420	430	Low
4/17/2020	Euro	425	435	425	435	Low
4/16/2020	Pounds	490	500	490	500	Low
4/16/2020	Dollar	420	430	420	430	Low
4/16/2020	Euro	425	435	425	435	Low
4/15/2020	Pounds	490	500	490	500	Low
4/15/2020	Dollar	420	430	420	430	Low
4/15/2020	Euro	425	435	425	435	Low
4/14/2020	Pounds	490	500	490	500	Low
4/14/2020	Dollar	420	430	420	430	Low
4/14/2020	Euro	425	435	425	435	Low
4/13/2020	Pounds	490	500	490	500	Low
4/13/2020	Dollar	420	430	420	430	Low
4/13/2020	Euro	425	435	425	435	Low
04/10/2020	Pounds	490	505	490	505	Low
04/10/2020	Dollar	420	430	420	430	Low
04/10/2020	Euro	425	435	425	435	Low
04/09/2020	Pounds	490	505	490	505	Low
04/09/2020	Dollar	420	430	420	430	Low
04/09/2020	Euro	425	435	425	435	Low
04/08/2020	Pounds	490	500	490	500	Low
04/08/2020	Dollar	420	430	420	430	Low
04/08/2020	Euro	425	435	425	435	Low
04/07/2020	Pounds	490	500	490	500	Low
04/07/2020	Dollar	420	430	420	430	Low
04/07/2020	Euro	425	435	425	435	Low
04/06/2020	Pounds	492	497	492	497	Low
04/06/2020	Dollar	402	412	402	412	Low
04/06/2020	Euro	410	415	410	415	Low
04/03/2020	Pounds	485	490	492	497	Low
04/03/2020	Dollar	400	410	402	412	Low
04/03/2020	Euro	410	415	410	415	Low
04/02/2020	Pounds	485	490	485	490	Low
04/02/2020	Dollar	400	410	400	410	Low
04/02/2020	Euro	410	415	410	415	Low
04/01/2020	Pounds	480	485	480	485	Low
04/01/2020	Dollar	395	400	395	400	Low
04/01/2020	Euro	407	412	407	412	Low
3/31/2020	Pounds	480	485	480	485	Low
3/31/2020	Dollar	395	400	395	400	Low
3/31/2020	Euro	407	412	407	412	Low
3/30/2020	Pounds	480	485	480	485	Low
3/30/2020	Dollar	390	395	395	400	Low
3/30/2020	Euro	407	412	407	412	Low
3/27/2020	Pounds	480	485	480	485	Low
3/27/2020	Dollar	385	390	390	395	Low
3/27/2020	Euro	405	410	407	412	Low
3/26/2020	Pounds	480	485	480	485	Low
3/26/2020	Dollar	385	390	385	390	Low
3/26/2020	Euro	405	410	405	410	Low
3/25/2020	Pounds	475	480	480	485	Low
3/25/2020	Dollar	380	385	385	390	Low
3/25/2020	Euro	400	405	405	410	Low
3/24/2020	Pounds	475	480	475	480	Low
3/24/2020	Dollar	380	385	380	385	Low
3/24/2020	Euro	400	405	400	405	Low
3/23/2020	Pounds	474	478	474	478	Low
3/23/2020	Dollar	380	385	380	385	Low
3/23/2020	Euro	400	403	400	403	Low
3/20/2020	Pounds	475	480	475	480	Low
3/20/2020	Dollar	370	375	365	367	Low
3/20/2020	Euro	395	400	395	400	Low
3/19/2020	Pounds	475	480	475	480	Low
3/19/2020	Dollar	370	375	370	375	Low
3/19/2020	Euro	395	400	395	400	Low
3/18/2020	Pounds	471	475	471	475	Low
3/18/2020	Dollar	370	375	370	375	Low
3/18/2020	Euro	390	395	390	395	Low
3/17/2020	Pounds	470	475	470	475	Low
3/17/2020	Dollar	375	380	375	380	Low
3/17/2020	Euro	400	403	400	403	Low
3/16/2020	Pounds	470	475	470	475	Low
3/16/2020	Dollar	370	375	370	375	Low
3/16/2020	Euro	400	403	400	403	Low
3/13/2020	Pounds	470	475	470	475	Low
3/13/2020	Dollar	372	377	372	377	Low
3/13/2020	Euro	400	403	400	403	Low
03/12/2020	Pounds	475	485	490	495	High
03/12/2020	Dollar	365	380	375	404	High
03/12/2020	Euro	405	412	410	420	Low
03/11/2020	Pounds	470	475	475	485	Low
03/11/2020	Dollar	360	366	365	375	Low
03/11/2020	Euro	387	403	405	412	Low
03/10/2020	Pounds	468	472	470	475	Low
03/10/2020	Dollar	358	360	360	362	Low
03/10/2020	Euro	390	398	387	403	Low
03/09/2020	Pounds	468	472	468	472	Low
03/09/2020	Dollar	358	360	358	360	Low
03/09/2020	Euro	392	398	392	398	Low
03/06/2020	Pounds	468	472	468	472	Low
03/06/2020	Dollar	358	360	358	360	Low
03/06/2020	Euro	390	398	390	398	Low
03/05/2020	Pounds	468	472	468	472	Low
03/05/2020	Dollar	358	360	358	360	Low
03/05/2020	Euro	390	397	390	397	Low
03/04/2020	Pounds	468	473	468	473	Low
03/04/2020	Dollar	358	360	358	360	Low
03/04/2020	Euro	387	392	387	392	Low
03/03/2020	Pounds	468	472	468	472	Low
03/03/2020	Dollar	358	360	358	360	Low
03/03/2020	Euro	387	392	387	392	Low
03/02/2020	Pounds	468	472	468	472	Low
03/02/2020	Dollar	358	360	358	360	Low
03/02/2020	Euro	387	392	387	392	Low
2/28/2020	Pounds	468	472	468	472	Low
2/28/2020	Dollar	358	360	358	360	Low
2/28/2020	Euro	387	392	387	392	Low
2/27/2020	Pounds	467	471	468	472	Low
2/27/2020	Dollar	358	360	358	360	Low
2/27/2020	Euro	386	390	387	392	Low
2/26/2020	Pounds	468	472	467	471	Low
2/26/2020	Dollar	358	360	358	360	Low
2/26/2020	Euro	386	390	386	390	Low
2/25/2020	Pounds	467	472	468	472	Low
2/25/2020	Dollar	358	360	358	360	Low
2/25/2020	Euro	388	392	386	390	Low
2/24/2020	Pounds	467	472	467	472	Low
2/24/2020	Dollar	358	360	358	360	Low
2/24/2020	Euro	388	392	388	393	Low
2/21/2020	Pounds	467	473	468	473	Low
2/21/2020	Dollar	358	360	358	360	Low
2/21/2020	Euro	388	392	388	392	Low
2/20/2020	Pounds	467	473	467	473	Low
2/20/2020	Dollar	358	360	358	360	Low
2/20/2020	Euro	388	392	388	392	Low
2/19/2020	Pounds	467	473	467	473	Low
2/19/2020	Dollar	358	360	358	360	Low
2/19/2020	Euro	390	394	390	394	Low
2/18/2020	Pounds	467	473	467	473	Low
2/18/2020	Dollar	358	360	358	360	Low
2/18/2020	Euro	390	394	390	394	Low
2/17/2020	Pounds	469	473	467	474	Low
2/17/2020	Dollar	358	360	358	360	Low
2/17/2020	Euro	390	394	390	394	Low
2/14/2020	Pounds	469	473	469	473	Low
2/14/2020	Dollar	358	360	358	360	Low
2/14/2020	Euro	390	394	390	394	Low
2/13/2020	Pounds	470	475	470	475	Low
2/13/2020	Dollar	358	360	358	360	Low
2/13/2020	Euro	390	396	390	396	Low
02/12/2020	Pounds	470	475	470	475	Low
02/12/2020	Dollar	358	360	358	360	Low
02/12/2020	Euro	390	396	390	396	Low
02/11/2020	Pounds	470	475	470	475	Low
02/11/2020	Dollar	358	360	358	360	Low
02/11/2020	Euro	390	396	390	396	Low
02/10/2020	Pounds	470	475	470	475	Low
02/10/2020	Dollar	358	360	358	360	Low
02/10/2020	Euro	390	396	390	396	Low
02/07/2020	Pounds	471	475	471	475	Low
02/07/2020	Dollar	358	360	358	360	Low
02/07/2020	Euro	390	396	392	396	Low
02/06/2020	Pounds	473	476	473	476	Low
02/06/2020	Dollar	358	360	358	360	Low
02/06/2020	Euro	392	397	392	397	Low
02/05/2020	Pounds	473	476	473	476	Low
02/05/2020	Dollar	358	360	358	360	Low
02/05/2020	Euro	393	397	393	397	Low
02/04/2020	Pounds	473	476	473	476	Low
02/04/2020	Dollar	358	360	358	360	Low
02/04/2020	Euro	393	397	393	397	Low
02/03/2020	Pounds	473	476	473	476	Low
02/03/2020	Dollar	358	360	358	360	Low
02/03/2020	Euro	393	397	393	397	Low
1/31/2020	Pounds	473	476	473	476	Low
1/31/2020	Dollar	358	360	358	360	Low
1/31/2020	Euro	393	397	393	397	Low
1/30/2020	Pounds	472	478	472	476	Low
1/30/2020	Dollar	358	361	358	360	Low
1/30/2020	Euro	394	398	394	398	Low
1/29/2020	Pounds	472	476	472	476	Low
1/29/2020	Dollar	358	360	358	360	Low
1/29/2020	Euro	394	398	394	398	Low
1/28/2020	Pounds	472	476	472	476	Low
1/28/2020	Dollar	358	360	358	360	Low
1/28/2020	Euro	394	398	394	398	Low
1/27/2020	Pounds	473	476	473	476	Low
1/27/2020	Dollar	358	360	358	360	Low
1/27/2020	Euro	394	398	394	398	Low
1/24/2020	Pounds	474	478	474	478	Low
1/24/2020	Dollar	358	362	358	362	Low
1/24/2020	Euro	395	400	395	400	Low
1/23/2020	Pounds	474	478	474	478	Low
1/23/2020	Dollar	358	362	358	362	Low
1/23/2020	Euro	395	400	395	400	Low
1/22/2020	Pounds	474	478	474	478	Low
1/22/2020	Dollar	359	362	359	362	Low
1/22/2020	Euro	394	398	394	398	Low
1/21/2020	Pounds	473	477	475	479	Low
1/21/2020	Dollar	360	362	359	362	Low
1/21/2020	Euro	395	400	395	400	Low
1/20/2020	Pounds	473	477	473	477	Low
1/20/2020	Dollar	360	362	360	362	Low
1/20/2020	Euro	395	400	395	400	Low
1/17/2020	Pounds	473	477	473	477	Low
1/17/2020	Dollar	360	362	360	362	Low
1/17/2020	Euro	395	400	395	400	Low
1/16/2020	Pounds	457	480	474	477	Low
1/16/2020	Dollar	360	362	360	362	Low
1/16/2020	Euro	397	403	395	400	Low
1/15/2020	Pounds	475	480	475	480	Low
1/15/2020	Dollar	360	362	360	362	Low
1/15/2020	Euro	397	402	397	402	Low
1/14/2020	Pounds	470	475	474	480	Low
1/14/2020	Dollar	359	362	360	362	Low
1/14/2020	Euro	397	402	397	400	Low
1/13/2020	Pounds	470	477	470	475	Low
1/13/2020	Dollar	359	362	359	362	Low
1/13/2020	Euro	397	403	397	402	Low
01/10/2020	Pounds	470	475	470	475	Low
01/10/2020	Dollar	359	362	359	362	Low
01/10/2020	Euro	397	402	397	402	Low
01/09/2020	Pounds	470	475	470	475	Low
01/09/2020	Dollar	359	362	359	362	Low
01/09/2020	Euro	397	403	397	403	Low
01/08/2020	Pounds	470	475	470	475	Low
01/08/2020	Dollar	359	362	359	362	Low
01/08/2020	Euro	397	403	397	403	Low
01/07/2020	Pounds	470	477	470	477	Low
01/07/2020	Dollar	359	362	359	362	Low
01/07/2020	Euro	397	403	397	403	Low
01/06/2020	Pounds	468	473	470	477	Low
01/06/2020	Dollar	359	362	359	362	Low
01/06/2020	Euro	392	400	397	403	Low
01/03/2020	Pounds	468	473	468	473	Low
01/03/2020	Dollar	359	362	359	362	Low
01/03/2020	Euro	390	400	390	400	Low
01/02/2020	Pounds	467	473	467	473	Low
01/02/2020	Dollar	359	362	359	362	Low
01/02/2020	Euro	392	400	392	400	Low
12/24/2019	Pounds	468	474	468	474	Low
12/24/2019	Dollar	358	361	358	361	Low
12/24/2019	Euro	390	395	390	395	Low
12/23/2019	Pounds	474	478	474	478	Low
12/23/2019	Dollar	359	362	359	362	Low
12/23/2019	Euro	395	400	395	400	Low
12/20/2019	Pounds	474	480	474	480	Low
12/20/2019	Dollar	359	363	359	363	Low
12/20/2019	Euro	395	401	395	401	Low
12/19/2019	Pounds	472	480	472	480	Low
12/19/2019	Dollar	359	363	359	363	Low
12/19/2019	Euro	395	401	395	401	Low
12/18/2019	Pounds	472	480	472	480	Low
12/18/2019	Dollar	360	363	359	363	Low
12/18/2019	Euro	395	400	395	400	Low
12/17/2019	Pounds	470	477	472	477	Low
12/17/2019	Dollar	360	363	360	363	Low
12/17/2019	Euro	394	398	394	398	Low
12/16/2019	Pounds	470	475	470	477	Low
12/16/2019	Dollar	359	363	360	363	Low
12/16/2019	Euro	394	398	394	398	Low
12/13/2019	Pounds	470	480	470	476	Low
12/13/2019	Dollar	359	362	359	363	Low
12/13/2019	Euro	394	398	394	398	Low
12/12/2019	Pounds	464	472	464	472	Low
12/12/2019	Dollar	358	360	359	361	Low
12/12/2019	Euro	392	397	392	397	Low
12/11/2019	Pounds	463	470	464	472	Low
12/11/2019	Dollar	358	360	358	360	Low
12/11/2019	Euro	393	397	392	397	Low
12/10/2019	Pounds	462	468	463	470	Low
12/10/2019	Dollar	358	360	358	360	Low
12/10/2019	Euro	392	397	393	397	Low
12/09/2019	Pounds	462	468	462	468	Low
12/09/2019	Dollar	358	360	358	360	Low
12/09/2019	Euro	392	397	392	397	Low
12/06/2019	Pounds	462	467	463	468	Low
12/06/2019	Dollar	358	360	358	360	Low
12/06/2019	Euro	390	396	390	396	Low
12/05/2019	Pounds	462	467	462	467	Low
12/05/2019	Dollar	358	360	358	360	Low
12/05/2019	Euro	390	396	390	396	Low
12/04/2019	Pounds	460	466	460	466	Low
12/04/2019	Dollar	358	360	358	360	Low
12/04/2019	Euro	390	396	390	396	Low
12/03/2019	Pounds	460	465	460	465	Low
12/03/2019	Dollar	358	360	358	360	Low
12/03/2019	Euro	390	396	390	396	Low
12/02/2019	Pounds	460	466	460	465	Low
12/02/2019	Dollar	358	360	358	360	Low
12/02/2019	Euro	390	395	390	395	Low
11/29/2019	Pounds	462	466	462	466	Low
11/29/2019	Dollar	358	360	358	360	Low
11/29/2019	Euro	390	395	392	397	Low
11/28/2019	Pounds	462	467	462	466	Low
11/28/2019	Dollar	358	360	358	360	Low
11/28/2019	Euro	390	395	390	395	Low
11/27/2019	Pounds	460	465	462	467	Low
11/27/2019	Dollar	358	360	358	360	Low
11/27/2019	Euro	391	396	390	395	Low
11/26/2019	Pounds	462	466	462	466	Low
11/26/2019	Dollar	358	360	358	360	Low
11/26/2019	Euro	390	395	390	395	Low
11/25/2019	Pounds	460	465	462	466	Low
11/25/2019	Dollar	358	360	358	360	Low
11/25/2019	Euro	390	398	390	395	Low
11/22/2019	Pounds	460	464	460	465	Low
11/22/2019	Dollar	357	360	358	360	Low
11/22/2019	Euro	390	398	390	398	Low
11/21/2019	Pounds	460	464	460	464	Low
11/21/2019	Dollar	357	360	357	360	Low
11/21/2019	Euro	390	397	390	397	Low
11/20/2019	Pounds	460	464	460	464	Low
11/20/2019	Dollar	358	360	358	360	Low
11/20/2019	Euro	390	398	390	397	Low
11/19/2019	Pounds	460	465	460	464	Low
11/19/2019	Dollar	358	360	358	360	Low
11/19/2019	Euro	392	398	390	398	Low
11/18/2019	Pounds	458	464	460	465	Low
11/18/2019	Dollar	358	360	358	360	Low
11/18/2019	Euro	390	398	392	398	Low
11/15/2019	Pounds	458	464	458	464	Low
11/15/2019	Dollar	358	360	358	360	Low
11/15/2019	Euro	392	398	393	398	Low
11/14/2019	Pounds	458	464	458	464	Low
11/14/2019	Dollar	358	360	358	360	Low
11/14/2019	Euro	390	398	392	398	Low
11/13/2019	Pounds	460	465	458	464	Low
11/13/2019	Dollar	358	360	358	360	Low
11/13/2019	Euro	392	398	392	398	Low
11/12/2019	Pounds	460	465	460	465	Low
11/12/2019	Dollar	358	360	358	360	Low
11/12/2019	Euro	394	399	394	399	Low
11/08/2019	Pounds	458	463	460	465	Low
11/08/2019	Dollar	358	360	358	360	Low
11/08/2019	Euro	393	398	394	400	Low
11/06/2019	Pounds	458	463	458	464	Low
11/06/2019	Dollar	357	360	357	360	Low
11/06/2019	Euro	393	400	393	400	Low
11/05/2019	Pounds	458	463	458	463	Low
11/05/2019	Dollar	357	360	357	360	Low
11/05/2019	Euro	393	400	393	400	Low
11/04/2019	Pounds	458	463	458	463	Low
11/04/2019	Dollar	357	360	357	360	Low
11/04/2019	Euro	392	400	393	400	Low
11/01/2019	Pounds	458	463	458	463	Low
11/01/2019	Dollar	358	360	358	360	Low
11/01/2019	Euro	393	400	394	400	Low
10/31/2019	Pounds	460	464	458	463	Low
10/31/2019	Dollar	358	360	358	360	Low
10/31/2019	Euro	395	400	393	400	Low
10/30/2019	Pounds	457	463	457	463	Low
10/30/2019	Dollar	358	360	358	360	Low
10/30/2019	Euro	395	400	395	400	Low
10/29/2019	Pounds	457	463	457	463	Low
10/29/2019	Dollar	358	360	358	360	Low
10/29/2019	Euro	395	400	395	400	Low
10/28/2019	Pounds	457	462	457	463	Low
10/28/2019	Dollar	358	360	358	360	Low
10/28/2019	Euro	396	402	395	400	Low
10/25/2019	Pounds	457	463	457	462	Low
10/25/2019	Dollar	358	360	358	360	Low
10/25/2019	Euro	396	403	396	402	Low
10/24/2019	Pounds	457	462	457	463	Low
10/24/2019	Dollar	358	360	358	360	Low
10/24/2019	Euro	396	403	396	403	Low
10/23/2019	Pounds	457	463	457	462	Low
10/23/2019	Dollar	358	360	358	360	Low
10/23/2019	Euro	397	403	396	403	Low
10/22/2019	Pounds	455	460	457	463	Low
10/22/2019	Dollar	358	360	358	360	Low
10/22/2019	Euro	395	402	397	403	Low
10/21/2019	Pounds	450	455	450	455	Low
10/21/2019	Dollar	358	360	358	360	Low
10/21/2019	Euro	387	395	390	397	Low
10/18/2019	Pounds	446	453	446	453	Low
10/18/2019	Dollar	358	360	358	360	Low
10/18/2019	Euro	387	393	387	393	Low
10/17/2019	Pounds	445	450	446	452	Low
10/17/2019	Dollar	358	360	358	360	Low
10/17/2019	Euro	387	392	387	393	Low
10/16/2019	Pounds	445	452	445	450	Low
10/16/2019	Dollar	358	360	358	360	Low
10/16/2019	Euro	387	395	387	392	Low
10/15/2019	Pounds	445	450	445	452	Low
10/15/2019	Dollar	357	360	358	360	Low
10/15/2019	Euro	385	390	385	390	Low
10/14/2019	Pounds	445	450	445	450	Low
10/14/2019	Dollar	358	360	357	360	Low
10/14/2019	Euro	384	390	385	390	Low
10/11/2019	Pounds	445	450	445	450	Low
10/11/2019	Dollar	358	360	358	360	Low
10/11/2019	Euro	384	390	384	390	Low
10/10/2019	Pounds	445	450	445	450	Low
10/10/2019	Dollar	357	360	357	360	Low
10/10/2019	Euro	386	390	384	390	Low
10/09/2019	Pounds	445	453	445	450	Low
10/09/2019	Dollar	357	360	357	360	Low
10/09/2019	Euro	390	395	386	390	Low
10/08/2019	Pounds	448	453	445	453	Low
10/08/2019	Dollar	357	360	357	360	Low
10/08/2019	Euro	390	395	390	395	Low
10/07/2019	Pounds	448	453	448	453	Low
10/07/2019	Dollar	358	360	358	360	Low
10/07/2019	Euro	392	396	390	395	Low
10/04/2019	Pounds	450	454	448	453	Low
10/04/2019	Dollar	358	360	358	360	Low
10/04/2019	Euro	392	397	392	396	Low
10/03/2019	Pounds	450	454	450	454	Low
10/03/2019	Dollar	358	360	358	360	Low
10/03/2019	Euro	392	397	392	397	Low
10/02/2019	Pounds	450	453	450	453	Low
10/02/2019	Dollar	358	360	358	360	Low
10/02/2019	Euro	392	397	392	397	Low
9/30/2019	Pounds	445	450	450	453	Low
9/30/2019	Dollar	358	360	358	360	Low
9/30/2019	Euro	392	397	392	397	Low
9/27/2019	Pounds	446	452	445	450	Low
9/27/2019	Dollar	357	360	358	360	Low
9/27/2019	Euro	392	396	392	397	Low
9/26/2019	Pounds	445	450	445	450	Low
9/26/2019	Dollar	357	360	357	360	Low
9/26/2019	Euro	390	395	392	396	Low
9/25/2019	Pounds	444	449	445	450	Low
9/25/2019	Dollar	357	360	357	360	Low
9/25/2019	Euro	390	394	390	395	Low
9/24/2019	Pounds	445	448	445	449	Low
9/24/2019	Dollar	357	360	357	360	Low
9/24/2019	Euro	390	395	390	395	Low
9/23/2019	Pounds	445	450	445	450	Low
9/23/2019	Dollar	357	360	357	360	Low
9/23/2019	Euro	392	395	392	396	Low
9/20/2019	Pounds	443	446	445	450	Low
9/20/2019	Dollar	357	360	357	360	Low
9/20/2019	Euro	392	395	392	395	Low
9/19/2019	Pounds	442	446	443	446	Low
9/19/2019	Dollar	357	360	357	360	Low
9/19/2019	Euro	390	395	391	394	Low
9/18/2019	Pounds	442	447	440	446	Low
9/18/2019	Dollar	357	360	357	360	Low
9/18/2019	Euro	390	395	390	395	Low
9/17/2019	Pounds	445	448	444	447	Low
9/17/2019	Dollar	358	360	358	360	Low
9/17/2019	Euro	394	398	393	397	Low
9/16/2019	Pounds	445	450	445	450	Low
9/16/2019	Dollar	357	360	357	360	Low
9/16/2019	Euro	394	400	394	400	Low
9/13/2019	Pounds	445	450	445	450	Low
9/13/2019	Dollar	357	360	357	360	Low
9/13/2019	Euro	394	398	394	398	Low
09/12/2019	Pounds	440	445	445	450	Low
09/12/2019	Dollar	357	360	357	360	Low
09/12/2019	Euro	393	398	394	398	Low
09/11/2019	Pounds	440	446	440	446	Low
09/11/2019	Dollar	358	360	358	360	Low
09/11/2019	Euro	392	395	392	398	Low
09/10/2019	Pounds	437	450	440	446	Low
09/10/2019	Dollar	356	360	358	360	Low
09/10/2019	Euro	388	397	392	395	Low
09/09/2019	Pounds	440	444	440	445	Low
09/09/2019	Dollar	358	360	358	360	Low
09/09/2019	Euro	390	396	390	395	Low
09/06/2019	Pounds	440	444	440	444	Low
09/06/2019	Dollar	358	360	358	360	Low
09/06/2019	Euro	392	398	390	396	Low
09/05/2019	Pounds	440	444	440	444	Low
09/05/2019	Dollar	357	360	358	360	Low
09/05/2019	Euro	392	398	392	397	Low
09/04/2019	Pounds	440	443	440	444	Low
09/04/2019	Dollar	357	360	358	360	Low
09/04/2019	Euro	392	398	392	397	Low
09/03/2019	Pounds	438	443	438	443	Low
09/03/2019	Dollar	357	360	357	360	Low
09/03/2019	Euro	392	397	392	398	Low
09/02/2019	Pounds	437	445	438	443	Low
09/02/2019	Dollar	357	360	357	360	Low
09/02/2019	Euro	391	396	392	397	Low
30/08/2019	Pounds	442	448	440	445	Low
30/08/2019	Dollar	358	360	358	360	Low
30/08/2019	Euro	392	398	395	398	Low
29/08/2019	Pounds	440	446	442	448	Low
29/08/2019	Dollar	358	360	358	360	Low
29/08/2019	Euro	392	398	392	398	Low
28/08/2019	Pounds	444	450	440	445	Low
28/08/2019	Dollar	358	360	358	360	Low
28/08/2019	Euro	392	396	392	398	Low
27/08/2019	Pounds	444	450	444	450	Low
27/08/2019	Dollar	358	360	358	360	Low
27/08/2019	Euro	394	400	393	398	Low
26/08/2019	Pounds	442	447	443	448	Low
26/08/2019	Dollar	358	360	358	360	Low
26/08/2019	Euro	392	397	393	397	Low
23/08/2019	Pounds	440	445	440	445	Low
23/08/2019	Dollar	358	360	358	360	Low
23/08/2019	Euro	390	397	390	397	Low
22/08/2019	Pounds	445	450	440	445	Low
22/08/2019	Dollar	357	359	358	360	Low
22/08/2019	Euro	393	398	390	397	Low
21/08/2019	Pounds	447	452	445	450	Low
21/08/2019	Dollar	358	360	357	359	Low
21/08/2019	Euro	392	398	393	398	Low
20/08/2019	Pounds	450	455	447	452	Low
20/08/2019	Dollar	358	360	358	360	Low
20/08/2019	Euro	395	400	392	398	Low
19/08/2019	Pounds	450	455	450	455	Low
19/08/2019	Dollar	358	360	358	360	Low
19/08/2019	Euro	395	400	395	400	Low
16/08/2019	Pounds	451	455	450	455	Low
16/08/2019	Dollar	357	360	358	360	Low
16/08/2019	Euro	397	402	395	400	Low
15/08/2019	Pounds	450	455	451	455	Low
15/08/2019	Dollar	357	360	357	360	Low
15/08/2019	Euro	398	403	397	402	Low
14/08/2019	Pounds	450	455	450	455	Low
14/08/2019	Dollar	357	360	357	360	Low
14/08/2019	Euro	398	403	398	403	Low
09/08/2019	Pounds	450	455	450	455	Low
09/08/2019	Dollar	357	360	357	360	Low
09/08/2019	Euro	398	404	398	403	Low
08/08/2019	Pounds	450	455	450	455	Low
08/08/2019	Dollar	357	360	357	360	Low
08/08/2019	Euro	398	403	398	404	Low
07/08/2019	Pounds	453	458	450	455	Low
07/08/2019	Dollar	357	360	357	360	Low
07/08/2019	Euro	398	403	398	403	Low
06/08/2019	Pounds	457	460	452	458	Low
06/08/2019	Dollar	358	360	357	360	Low
06/08/2019	Euro	400	404	400	403	Low
05/08/2019	Pounds	458	462	457	461	Low
05/08/2019	Dollar	358	360	358	360	Low
05/08/2019	Euro	400	405	400	405	Low
02/08/2019	Pounds	458	462	458	462	Low
02/08/2019	Dollar	358	360	358	360	Low
02/08/2019	Euro	400	405	400	405	Low
01/08/2019	Pounds	458	462	458	462	Low
01/08/2019	Dollar	358	360	358	360	Low
01/08/2019	Euro	402	405	402	405	Low
31/07/2019	Pounds	458	463	458	463	Low
31/07/2019	Dollar	358	360	358	360	Low
31/07/2019	Euro	403	407	403	407	Low
30/07/2019	Pounds	458	463	458	463	Low
30/07/2019	Dollar	358	360	358	360	Low
30/07/2019	Euro	403	407	403	407	Low
29/07/2019	Pounds	458	461	458	463	Low
29/07/2019	Dollar	358	360	358	360	Low
29/07/2019	Euro	402	406	403	407	Low
26/07/2019	Pounds	459	463	458	461	Low
26/07/2019	Dollar	358	361	358	360	Low
26/07/2019	Euro	403	406	401	405	Low
25/07/2019	Pounds	459	463	459	463	Low
25/07/2019	Dollar	358	361	358	361	Low
25/07/2019	Euro	403	407	403	406	Low
24/07/2019	Pounds	459	463	459	463	Low
24/07/2019	Dollar	358	361	358	361	Low
24/07/2019	Euro	404	407	403	407	Low
23/07/2019	Pounds	460	464	459	463	Low
23/07/2019	Dollar	359	361	358	361	Low
23/07/2019	Euro	406	410	404	407	Low
22/07/2019	Pounds	459	463	459	463	Low
22/07/2019	Dollar	358	360	359	361	Low
22/07/2019	Euro	406	410	406	410	Low
19/07/2019	Pounds	459	463	459	463	Low
19/07/2019	Pounds	358	360	358	360	Low
19/07/2019	Pounds	406	410	406	410	Low
18/07/2019	Pounds	458	462	459	463	Low
18/07/2019	Dollar	358	360	358	360	Low
18/07/2019	Euro	403	407	406	410	Low
17/07/2019	Pounds	458	462	458	462	Low
17/07/2019	Dollar	358	360	358	360	Low
17/07/2019	Euro	403	407	403	407	Low
16/07/2019	Pounds	460	463	458	462	Low
16/07/2019	Dollar	359	361	358	360	Low
16/07/2019	Euro	405	408	403	407	Low
13/07/2019	Pounds	460	464	460	463	Low
13/07/2019	Dollar	359	361	359	361	Low
13/07/2019	Euro	405	410	405	408	Low
12/07/2019	Pounds	458	463	460	464	Low
12/07/2019	Dollar	359	361	359	361	Low
12/07/2019	Euro	404	407	405	410	Low
11/07/2019	Pounds	458	463	458	462	Low
11/07/2019	Dollar	359	362	359	361	Low
11/07/2019	Euro	402	407	405	410	Low
10/07/2019	Pounds	458	463	458	463	Low
10/07/2019	Dollar	359	361	358	361	Low
10/07/2019	Euro	401	406	402	405	Low
09/07/2019	Pounds	458	465	457	465	Low
09/07/2019	Dollar	359	362	359	362	Low
09/07/2019	Euro	401	405	402	405	Low
08/07/2019	Pounds	458	463	460	465	Low
08/07/2019	Dollar	359	362	359	362	Low
08/07/2019	Euro	401	405	401	405	Low
05/07/2019	Pounds	458	463	458	463	Low
05/07/2019	Dollar	359	362	359	362	Low
05/07/2019	Euro	401	405	401	405	Low
04/07/2019	Pounds	458	463	458	463	Low
04/07/2019	Dollar	359	362	359	362	Low
04/07/2019	Euro	401	405	400	405	Low
03/07/2019	Pounds	458	464	458	463	Low
03/07/2019	Dollar	359	361	359	362	Low
03/07/2019	Euro	401	405	401	405	Low
02/07/2019	Pounds	458	462	458	463	Low
02/07/2019	Dollar	359	361	359	361	Low
02/07/2019	Euro	398	402	400	404	Low
01/07/2019	Pounds	458	462	458	462	Low
01/07/2019	Dollar	358	360	359	361	Low
01/07/2019	Euro	400	403	398	403	Low
28/06/2019	Pounds	457	460	457	462	Low
28/06/2019	Dollar	358	360	358	360	Low
28/06/2019	Euro	398	402	400	403	Low
27/06/2019	Pounds	458	462	458	462	Low
27/06/2019	Dollar	358	360	358	360	Low
27/06/2019	Euro	398	402	398	402	Low
26/06/2019	Pounds	458	463	458	462	Low
26/06/2019	Dollar	358	360	358	360	Low
26/06/2019	Euro	398	402	400	403	Low
25/06/2019	Pounds	458	464	458	464	Low
25/06/2019	Dollar	358	361	358	361	Low
25/06/2019	Euro	400	403	398	402	Low
24/06/2019	Pounds	458	464	460	465	Low
24/06/2019	Dollar	358	361	359	361	Low
24/06/2019	Euro	398	402	398	403	Low
21/06/2019	Pounds	460	465	458	464	Low
21/06/2019	Dollar	358	361	358	361	Low
21/06/2019	Euro	398	402	398	402	Low
20/06/2019	Pounds	460	465	468	462	Low
20/06/2019	Dollar	358	361	358	361	Low
20/06/2019	Euro	398	402	400	403	Low
19/06/2019	Pounds	460	465	460	465	Low
19/06/2019	Dollar	358	361	358	361	Low
19/06/2019	Euro	398	401	398	402	Low
18/06/2019	Pounds	460	465	462	465	Low
18/06/2019	Dollar	359	361	358	361	Low
18/06/2019	Euro	400	403	400	405	Low
17/06/2019	Pounds	462	467	462	468	Low
17/06/2019	Dollar	358	361	358	361	Low
17/06/2019	Euro	400	404	400	404	Low
14/06/2019	Pounds	426	467	426	467	Low
14/06/2019	Dollar	358	361	358	361	Low
14/06/2019	Euro	400	404	400	404	Low
13/06/2019	Pounds	467	471	462	467	Low
13/06/2019	Dollar	358	361	358	361	Low
13/06/2019	Euro	400	404	400	404	Low
12/06/2019	Pounds	468	471	467	471	Low
12/06/2019	Dollar	358	361	358	361	Low
12/06/2019	Euro	400	404	400	404	Low
11/06/2019	Pounds	465	470	467	471	Low
11/06/2019	Dollar	358	361	359	361	Low
11/06/2019	Euro	400	403	399	402	Low
10/06/2019	Pounds	468	472	468	472	Low
10/06/2019	Dollar	358	361	358	361	Low
10/06/2019	Euro	404	400	400	404	Low
07/06/2019	Pounds	469	473	467	471	Low
07/06/2019	Dollar	358	361	358	360	Low
07/06/2019	Euro	400	403	398	402	Low
06/06/2019	Pounds	468	472	465	470	Low
06/06/2019	Dollar	358	360	358	361	Low
06/06/2019	Euro	398	402	403	400	Low
03/06/2019	Pounds	468	472	468	472	Low
03/06/2019	Dollar	358	360	358	361	Low
03/06/2019	Euro	398	402	398	402	Low
31/05/2019	Pounds	465	470	470	474	Low
31/05/2019	Dollar	358	360	358	360	Low
31/05/2019	Euro	397	402	400	403	Low
30/05/2019	Pounds	470	474	470	474	Low
30/05/2019	Dollar	358	360	358	360	Low
30/05/2019	Euro	400	403	400	403	Low
28/05/2019	Pounds	470	474	470	474	Low
28/05/2019	Dollar	358	360	358	360	Low
28/05/2019	Euro	400	403	400	403	Low
27/05/2019	Pounds	470	474	470	474	Low
27/05/2019	Dollar	358	360	358	360	Low
27/05/2019	Euro	400	403	400	404	Low
24/05/2019	Pounds	470	474	470	474	Low
24/05/2019	Dollar	358	360	358	360	Low
24/05/2019	Euro	400	405	400	405	Low
23/05/2019	Pounds	470	474	472	475	Low
23/05/2019	Dollar	358	360	358	360	Low
23/05/2019	Euro	400	405	400	405	Low
22/05/2019	Pounds	472	475	472	475	Low
22/05/2019	Dollar	358	350	358	360	Low
22/05/2019	Euro	400	405	400	405	Low
21/05/2019	Pounds	472	475	472	473	Low
21/05/2019	Dollar	358	360	358	360	Low
21/05/2019	Euro	400	405	400	405	Low
20/05/2019	Pounds	472	475	472	475	Low
20/05/2019	Dollar	358	360	358	360	Low
20/05/2019	Euro	400	405	400	405	Low
17/05/2019	Pounds	472	475	472	475	Low
17/05/2019	Dollar	358	360	358	360	Low
17/05/2019	Euro	400	405	400	404	Low
16/05/2019	Pounds	472	475	472	475	Low
16/05/2019	Dollar	358	360	358	360	Low
16/05/2018	Euro	400	404	400	404	Low
15/05/2019	Pounds	470	475	470	475	Low
15/05/2019	Dollar	358	360	358	360	Low
15/05/2019	Euro	400	404	400	404	Low
13/05/2019	Pounds	470	475	470	475	Low
13/05/2019	Dollar	358	360	358	360	Low
13/05/2019	Euro	400	404	400	405	Low
10/05/2019	Pounds	470	475	470	475	Low
10/05/2019	Dollar	358	360	358	360	Low
10/05/2019	Euro	400	405	400	405	Low
09/05/2019	Pounds	470	475	470	475	Low
09/05/2019	Dollar	358	360	358	360	Low
09/05/2019	Euro	400	405	400	405	Low
29/04/2019	Pounds	470	475	470	475	Low
29/04/2019	Dollar	358	360	358	360	Low
29/04/2019	Euro	400	405	400	405	Low
26/04/2019	Pounds	470	475	470	475	Low
26/04/2019	Dollar	358	360	358	360	Low
26/04/2019	Euro	400	405	400	405	Low
25/04/2019	Pounds	470	475	470	475	Low
25/04/2019	Dollar	358	360	358	360	Low
25/04/2019	Euro	400	405	400	405	Low
24/04/2019	Pounds	470	475	472	476	Low
24/04/2019	Dollar	358	360	358	360	Low
24/04/2019	Euro	400	405	400	405	Low
23/04/2019	Pounds	474	478	472	476	Low
23/04/2019	Dollar	355	360	358	360	Low
23/04/2019	Euro	390	402	400	405	Low
22/04/2019	Pounds	472	476	472	476	Low
22/04/2019	Dollar	357	360	358	360	Low
22/04/2019	Euro	400	405	400	405	Low
19/04/2019	Pounds	467	471	470	475	Low
19/04/2019	Dollar	355	360	357	360	Low
19/04/2019	Euro	395	400	402	406	Low
18/04/2019	Pounds	470	475	470	475	Low
18/04/2019	Dollar	357	360	357	360	Low
18/04/2019	Euro	402	406	402	406	Low
17/04/2019	Pounds	470	475	470	475	Low
17/04/2019	Dollar	357	360	357	360	Low
17/04/2019	Euro	402	406	402	406	Low
16/04/2019	Pounds	465	470	470	475	Low
16/04/2019	Dollar	360	365	357	360	Low
16/04/2019	Euro	400	405	402	405	Low

For those looking to invest in treasury bills but do not have the N50 million minim sum required, there are alternative ways of going around this limitation. We explained it in this article. How to invest in treasury bills if you don’t have N50 million

Chacha Wabara

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.

2 Comments

Joseph

June 20, 2017 at 8:52 pm

How come we never heard about the Diaspora bond and how to participate in it before it closed…Kindly keep us informed of the next round of the Diaspora bond

Reply
Anodebenze

June 21, 2017 at 1:56 pm

You read naija online daily,you will hear about Diaspora bond

Reply

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Personal Finance

How to build solid financial success system and achieve financial freedom quickly

These are the three systems you need to speed up your financial success by almost 20 times.

Published

2 days ago

November 29, 2020

Grace Agada

The majority of people I know want to increase their financial success. If this is also what you want to do, you need solid financial systems.

What systems do you need and how do you increase financial success especially if you are stuck in a 9-5 job? In this article, I will show you exactly what to do.

To increase your financial success, there are three systems you need. These systems determine how fast or slow you achieve financial freedom and are explained below.

Multiple Income System

This is the system that brings in massive money into your life. It comprises 3 main components – quality of your main income, source of your income, type of income.

The quality of your income can be high or Low. It is high if your main income gives you the ability to save more than you spend. It is low when you can only spend more than you save. High-quality income is the only type of income that can make you rich.

The second component of the multiple income system is the source of your income and there are two types – the one source income and multiple source income. The key to fast-tracking your financial success is to upgrade your source of income from one to many.

The third component of the multiple income system is the type of income you earn. There are two types of income – active income and passive income.

When you earn only active income or have a weak passive income, you limit your chances of financial success. True success is created when you have a strong active income and a strong passive income. You accelerate your financial success when you depend on passive than active income.

These are the three components of the multiple income system. When you have all three components working for you, you accelerate your financial success by almost twenty times.

So, now that you know the first system for fast-tracking your financial success, let’s look at the second system.

Money Preservation System

Earning extra income is just one step in the financial success process. What truly creates wealth is the income that you keep. True riches are created when you keep more income for yourself.

Unfortunately, this is rarely the case. Most people are only keeping leftovers for themselves. They are enriching others through their spending and getting poorer and broke every day. To achieve financial success, you must preserve more of what you earn. To succeed with preserving income, you must maximize two key components – the savings component and investing components.

READ: Billionaires that can triple the value of Bitcoin

The savings component works best when you save big portions of your income every month and investing your savings to produce solid passive income. To save big portions, you must strive to increase your savings by 1% every month. You must also try to maintain a low maintenance living standard.

The second thing to do to preserve your income, is to ensure that money saved and invested is never lost. Losing money through unguided investment decisions is not wise. To achieve financial success, you must invest to preserve your savings.

So, now that you know the second system that can accelerate your financial success. Let’s look at the third system.

READ: Ripple adds Bank of America to payment network

Money Multiplication System

The money multiplication system is the system that enlarges your wealth. There is a limit to which savings and investing alone can make you rich.

This is because they are heavily dependent on your own direct effort. To create massive wealth, you need to move beyond your effort and create systems that can enlarge wealth even in your sleep. To create this kind of system you need one critical component – Leverage.

READ: $385 million worth of Bitcoin moved by unknown identity

What is Leverage?

The best way for me to explain leverage is to use the example of a school Teacher and a movie star. A school teacher solves the problem of ignorance through education and a movie star also solves the problem of ignorance and boredom through education and entertainment.

Both teach their audience something about themselves or other people, that they do not know before. A teacher delivers her services by standing in front of a few students and is confined to a classroom. Every day of her life she does the same thing, teaching the same materials to different kinds of students.

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Without her presence, her work cannot be delivered, her time is blocked. She is cut off from the wider society and can only earn income from her direct effort. Although, the teacher arguably provides higher perceived value than the movie star, she lacks leverage and her income is limited by it. This, therefore, means that you can provide enormous value and still not be rich. Value alone does not lead to wealth. It is value and leverage that creates massive wealth.

The movie star in contrast has massive leverage. He shoots a movie in some remote town unknown to the audience. He invests weeks, months, and sometimes years producing the movie. But, once produced, he never has to do the same movie over again. The movie produced is distributed all over the world. He is seen on all the media platforms, in theatre, television, and DVDs.

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His movie is watched by billions of people. He is able to build a solid fan base and is patronized from all over the world. A movie star works once and is paid for a lifetime. It is the long-lasting and far-reaching value of the work of a movie star that makes him richer and wealthier than the classroom teacher. Thus, even with little perceived value, a person can create massive wealth with the right leverage.

Leverage is thus the ability to work once and be paid for life. It also the ability to do it in one place and spread it all over the world. The tools that make leverage possible is the right relationships, the right media platform, and the right distribution system. If you do not build your own leverage system, there is a limit to how much money you can earn.

Explore Data on the Nairametrics Research Website

So, these are the three systems you need to speed up your financial success by almost 20 times. Perhaps, you are thinking to yourself how do I build these systems and where do I start. If this is you, we can help. We will help you build these systems and accelerate your journey to financial success. If you need help, send an email to [email protected]

About author

Grace Agada is the Senior Financial Happiness Director at Create Solid Wealth. She is an Author and Column Contributor in six National Newspapers. She is a contributor at BellaNaija, Nairametrics and Proshare. 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]

Personal Finance

Must-do things after you finally become debt-free

Now you are finally debt-free, these next steps will help you make sure you never fall back into debt again.

Published

3 days ago

November 28, 2020

NM Personal Finance

So now that you are debt-free what next? Remember that clearing your debt is just one part of the exercise; staying out of debt is vital to ensure that you don’t end up in the same financial injury. Living debt-free is not rocket science. All it requires is the consciousness that healthy finance is essential for you to live a happy life.

You may want to check out our previous articles 9 Brilliant ideas to pay off debt fast in 2021 and How to get out of debt: A step-by-step guide where we discussed extensively how to find your way out of debt.

Outlined below are some things to help you live debt-free; have a good read.

Make a list of your income and expenses

The first thing to do to ensure that you don’t fall into debt is to plan. Planning is such a vital step to success for anything we want to do in life. Indeed, if you don’t want to fail, you cannot neglect to plan. This doesn’t have to be complicated in any way. It’s as simple as you putting down words and figures. The first step in this process is making a list. You need to see on paper, what your finance looks like. It may not seem like such an important thing to do, but it is necessary. Making this list, all you have to do is write out what you earn on one side. If you have different streams of income, put it all on paper. Then, write out your expenses on paper, everything you know you spend money on monthly. Depending on when you receive your incomes; you can make it weekly or bi-weekly. Just compare how much is coming in against how much is going out.

Create a budget plan

The next step in the planning process is to create a budget. Based on your analysis from the step above, you should assign every dollar/naira you earn a task. You cannot afford to be passive with your money, give them work to do. They are available to make life easier for you right, but if you don’t tell them what to do, they cannot help you achieve that. You have to understand also; depending on what the ratio of your income to expenses is, you might need to make certain adjustments. In fact, if you want to stay out of debt, you NEED to make those adjustments. This step is not as difficult as you may think, if you do not know how to go about this process of creating a budget, you can use a budgeting app to make it easier for you. There are so many choices out there so you must choose wisely because your financial needs may be different from your neighbour’s.

Be intentional about your money

This tip can be summarised into the first two steps already outlined. But it is such an essential factor that deserves special attention. Intentional merely is being deliberate in your actions. Therefore, being intentional about your money requires that you don’t leave anything to chance. Conscious money habits will ensure better financial health and keep you from running into debt. So, as basic as the first two steps might seem to you, you really cannot neglect them.

Do not make purchases based on emotions

It is very easy to spend to make ourselves feel better. The painful truth is that the things you buy won’t make you feel better. They cannot take away that feeling, because when the initial gratification has waned, you would still be left with that emptiness you were feeling in the first place.

Unsubscribe from sales emails

Everybody likes to get the first updates for those juicy deals and grab them as they come. If you have not planned for it, please don’t do it. You have to unsubscribe from emails that make you spend more money. Remember that the person sending those emails wants to make money. You do not need to place that instant ordering; turn it off.

Maintain a good credit score

Remember when we talked about how to stay out of debt; one of the tips offered was to negotiate lower interest rates. Having a good credit score qualifies you for lower interest rates. More than that; having a good credit score grants you more negotiating power, better insurance deposits, easier approval for loan requests, it also affords you higher credit limits. Overall, having a good credit score places you on better standing than having a bad one.

Do not tie up your money in illiquid investments

As necessary as an investment is, you must engage in those with high liquidity as opposed to illiquid investments.

Earn more money

There is no human on this planet that this idea will not be appealing to. We always want to have more money, no matter how much we already have; it’s in our nature. The simple ways to earn more money is to get a side hustle, become a freelancer or contractor; use your skills to make money. With unlimited access to technology, the world of work offers more opportunity than ever for anyone to turn their skills into pay.

Staying out of debt can be summed into these few words; “Live within your means”. The way to ensure that you do that is by planning. Be intentional about your money. Life can happen at any time but even when it does, with a proper plan already in place, you will be better equipped to handle unforeseen circumstances than when you don’t even know where your money is coming from.

Personal Finance

How to get out of debt: A step-by-step guide

Follow these few simple practices and you may well be on your way to living a debt-free life.

Published

4 days ago

November 27, 2020

NM Personal Finance

The crowding out effects of rising States' debt: Why Nigerians should worry, How to Get Out Of Debt: A Step-by-Step Guide

Having to run or hide from someone just because you owe them some money is not a very fun exercise. But what if you didn’t have to do it, what if you lived debt free? Hold your gasps; it’s not so shocking. It is very attainable, and if you can follow the few simple practices we’re about to examine, you can be well on your way to FREEDOM.

Here, we’ve outlined necessary steps to help you live debt-free;

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Gather your data: These include records and information that contain your bills and expenses, income and source(s) of income, credit score etc. the goal here is to get you acquainted with yourself. You have to know yourself well enough to understand your spending pattern and identify critical areas to adjust or habits to do away with.

Understand your debt: Make a list of all your debts, all that you currently owe, and how much interest rates are charged on them. Remember to include the minimum required payment for each debt. This would help you understand the type of debt(s) you owe. Understanding your debt will help you know how it happened and give you a clearer perspective on how to clear it. If you have more than one type of debt, it can be challenging to keep track, and you may find yourself always paying money and not even knowing if you are a step closer to clearing your debts. But you cannot begin to pay off your debt until you understand what the figures in your records represent.

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Create a budget and debt pay-off plan: Creating a budget should have come as a first step. However, that would be more effective in the situation that debt doesn’t exist, because one of the reasons for budgeting is to make sure that you DON’T fall into debt. Having gathered your data and coming to terms with what the records are; the next thing to do is to create a plan. There are different tools you can utilize to help you. A simple keyword search would give you an idea of what to do. The budget plan doesn’t have to be complicated, create a list that you would be able to understand and stick to the program.

Lower your interest rates: The reason why people fall into debt and find it challenging to pay is due to the interest rate charged on their actual amount borrowed. You see; because you are required to pay interest rates on that money, it drags out the length of time you could payback. Negotiate your interest rates lower. Even when you may have already borrowed and started paying it off, if you find it challenging to complete payment, you should consider asking for lower interest rates. Depending on who your lender is, and how persuasive you are, you may find yourself having less to worry about.

READ: Afreximbank posts $217m net income in 9M 2020

Pay more than you have to pay: Another reason you could remain indebted to someone is when you stick to just paying the monthly required amount. Because of the interest charged on most loans, you only concentrate on paying that specific amount for that particular month. That keeps you in debt because instead of bringing you closer to clearing your debt, you are only dragging it out. Regardless of the interest rate, if you can pay more than the expected amount, you should go on to do so. It is something that you can discuss with your lender. It serves both of you because the faster you clear your debt, the quicker he gets his money back.

Earn More Money: To settle your debt, you have to go out of your way to ensure that your income supersedes your expenses. One way you could earn more money is by starting a ‘side hustle’ or taking a part-time job. In this modern age, there are more opportunities than ever, for anyone to diversify their streams of income. And most of these gigs are conveniently remote; you can run them from the comfort of your home. Of course, any human would be elated at the prospect of earning money, and when you are in debt, you just have to go out of your way to do everything possible to clear.

Curb Your Excesses: If you are in debt and you are finding it difficult to clear, evaluating your lifestyle habits could help put things into perspective. You have to be honest with yourself. If you want to pay off your debt faster, you’ll need to cut your expenses as much as possible. One tool you can create and use is a bare-bones budget. This is a strategy you can use to make your expenses as low as it can go and live a minimalist lifestyle. Live only on bare necessities and do away with frugality.

No matter the type of debt, you can always clear it. Never believe that it is impossible. Always remember to have a plan. You really cannot afford to leave your life to chance. Be intentional about every aspect of your life, especially with your finances.