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Friday, September 25, 2015

I DEY GDIGBAM!

Hey! My pipo! I dey hail unah o! { Greetings to everyone}. It's been a very busy week! My baby is teething, {back molars}, he is cranky, crying, clingy, and itching! He is asleep now, so I decided to drop in and let you guys know that I am very much around, and have not done any of my disappearing act! Ahahaha. I dey gdigbam! I enjoy blogging, and I don't see myself stopping even when I tried in the past, it has become a hobby to me. Thank you to all my readers and commenters. 

Okay! Today, I am gonna complain about a particular attitude some Nigerians have! E no dey tire me to talk about our pipo o jare!  Imagine! Someone sent a message from 9ja that we should send her $200, JUST LIKE THAT! Nope! It is not her first time, we have obliged her in the past. We told her we were flat broke, and explained about our new apartment, kids resuming school,  and more utility bills. Guess what she said next, ..... come on, guess, ...................,' we are bigger than that!' W-H-A-T!!!!!!! If only people know how these words pisses me off ehen! Bigger than wetin??? Than $200??? That is #50k! So, you can just walk in to any friend's or relative's house and ask to be given, NOT lend such amount, as if you gave them to keep somewhere??

You see, I no dey tire to dey use these two words sef? ahahaha This is one of the phrases our pipo use, to kind of blackmail you to do something for them! Because when they say,'you are bigger than something,' it is a praise-insult! Lemme coin the words together and call it 'praisult'! It is a way to shame or embarrass someone, that the person will be forced to give or agree with them! This particular person, spent her money on her lover and is asking us, with our brukata, to bail her out! Because she don see mugu ke!  It was the same way, another friend asked us to help pay $200 for a conference he was coming to,of course, we refused, because hubby has helped in the past through his domiciliary account in Nigeria, and they never paid back! If you can buy ticket to come here, you can pay 'common' $200 ke! Abi no be so my pipo?

$200, looks like #2,000 to our pipo back home, that is why they can ask for it, just like that! The truth is that, Nigerians are very generous people,  they give out such amount, even more, for lunch and bus fare when you go and greet them in their homes or offices. My hubby worked in a bank when In Nigeria, he received visitors many times in a week, and he gave out between #2k-#50k to individuals depending on what they told him. Infact, one of them was saying how he missed my hubby, that he knows, where he can run to, when he is hard -up. Hubby told him, it is not same as usual. $1, makes a lot of difference here o! Hubby later learnt that some were simply sob stories to extort money from him! ahahaha. One day I will gist you the stories. I quarreled several times with him that these people were taking advantage of his kindness, and simply saw him as a means to an end, but he didn't believe me, until he caught one of them red-handed! 

I don't want to bore you guys with so much talking. It's 11:51am, lemme go and prepare my breakfast before my little oga will wake up. Have a lovely weekend everyone ... CHAI! He is awake ooo. Bye!

Saturday, September 12, 2015

SIMPLY CREATIVE!

I love hair accessories! I always decorated my daughters' hair with beads and ribbons, now that they are teenagers, they have outgrown it.  My 14 year old likes hair bands and purple colour, while my 12 year old likes hair combs and pink colours. I buy the hair accessories from dollar and beauty shops, but I wanted something entirely different from the basics. I then, remembered my 41st birthday gift! 


Hair bands, bangles, earrings and combs


https://ediyemade.com/2014/09/21/breathless-and-a-whole-lot-of-ankara/

Phoenix J, surprised me with a hair band, bow and pin! I contacted her to make some for my girls. She told me the prices, by the time, I negotiated with her as a typical 9ja woman, she didn't know when she shouted NITTY!!! Before nko?! I honed my haggling skill with baba Lasisi the meat seller ke! She gave a beautiful hair pin to my daughter when she celebrated her 14th birthday last month. It is appreciated, J. #hugs#

I so admire her! She is creative!  She makes a lot of stuff from Africa materials, braids hair and a good cook! I wonder, where I waka go when all these talents were shared!  
Thank you for reading and have a nice week ahead. And welcome to Texas J! :D 

Monday, September 07, 2015

THE CREDIT LIFE

 Workers are at home enjoying their holiday today, well not all! The dollar shop close to me is opened and of course grocery stores and essential services. This is the right time to talk about credit since it is about income earners today.

You see, when I first heard about the credit palava, I was like; 'Why get credit  card when you have your debit card? I came from a country where you pay cash for everything! So, we declined to get a credit card. It was when we were told we had no credit ratings when we wanted to lease an apartment and buy a car, it dawned on us that we must get it by force by fire! So hubby got it and joined my name to his account to curtail our spendings while I had debit with my own account.



It is enjoyable to spend money you are yet to earn o! To pay back, that is where the trouble begins! The gbese (debt) many income earners are in ehen! No be small thing! A guy said that when his gebese got to $10k, he hid his credit cards to avoid temptation and was spending his debit and paying back his credit gradually. Some credits are fried! Some credit information are stolen! This is why banks and individuals are very alert and cautious. I went shopping with one of our credit cards and it was declined! I called hubby who traveled. He was also using the same credit card,  and we have passed the agreed limit! I had to go back home to get the second credit card while he called the bank.  


Let me use this analogy to explain how some income earners behave; A $500 debit card was given to two friends each to purchase a washing machine. One of them bought $400 worth and saved $100. While the other bought $700, taking a credit of $200 from the shop with a promissory note to pay within a certain time or the item will be collected back. She was not able to meet the deadline and ran to her friend, for help, the friend refused. Some income earners live above their means and expects to be bailed out by friends. There is someone I know, who is no longer credit worthy, and is paying back a huge chunk from paycheck, this individual asked for our help to offset a debt, incurred again, which we refused, explaining we were on a tight budget. Can you believe, this person is no longer friendly on social platform? HABA! We are a large family living prudently, not because, we don't know what we want, but simply buy what we need!


Dear ALL income earners, as I wish you a happy labour's day, PLEASE,  live within your income! You DON'T have to be like the Jones! Having credit is helpful but also hurtful, when not well managed! HAPPY LABOR'S DAY!!! YE-HAW!!!!!!!

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