For many in Nigeria today, a car is a necessity rather than a luxury. It makes you mobile and you don’t get to experience the shenanigans of Lagos Danfos.
But, you should look out for some warning signs that will alert you that you are spending too much money on your car. Jumia Travel discloses some of them.
1. You are a regular visitor to your mechanic
In a week, you visit your mechanic more than two times and in some cases, you leave your car at the workshop. Of course, every time you take your car to him, you have to pay for his service. It may be time to get rid of the car.
2. Uses too much fuel
The more you use your car, the more you spend on fuel. Also, considering the unpredictable cost and scarcity of fuel, the overhead expenses will increase. So, rather than going in your own car, you can go in your neighbour’s car.
3. You are spending too much on parts
Cars require new parts but when you frequently have to buy new parts, you should be concerned. The reason for this may be because your mechanic is shortchanging you or your car needs a total checkup. You should make efforts to replace your car.
4. You don’t get any benefits from your insurance
Your insurance is expected to cover your expenses in the case of an unfortunate incident. Unsurprisingly, insurance doesn’t work like this. This said you should compare the insurance cost and the expenses for repairing your car, then decide which is preferable or suitable. If none works for you, you may decide to abandon the car.
5. You are always towing your car
There is nothing wrong with towing your car. However, when towing your car becomes a major feature of your daily routine, you should be the concern. This is because you will spend quite an amount in towing it. And if you do this twice or thrice a week, it will undoubtedly affect your finance.
6 Expenses That May Be Destroying Your Budget
Having a budget is very important if you want to properly plan your finance. However, when preparing the budget, there are some items or things that feature in it that you can do without.
1. Cable television subscription
The homes you visit in Nigeria, you will find pay TV because it is now quite affordable. However, if you are cash strapped or you want to save some money, you should strike out pay TV subscriptions. In fact, you may discover that, except you own a generator, your subscription may run out without you enjoying it due to power shortage.
2. Eating out
If you reside in Lagos, you are most likely to eat out because you don’t have too much time on your hands. You may also consider the time you spend in traffic. So, eating out is one of the attractive options. But do you know that when you frequent one of the best hotels in Lagos to eat you will soon be cash strapped? Hence, try as much as possible to cook sometimes.
3. Gym memberships
You may not need to be a registered member of a gym if you planning to shed some weight. Not because you don’t have time, it is because there are other important things to do with cash. As an alternative, you may join your friends to jog every weekend.
4. Lavish Vacations
It is great to go on vacation to Obudu Cattle Ranch and stay in one of the best hotels in Calabar. Of course, you know that you cannot afford this expensive getaway but you still went anyway. You can plan a simple vacation to Olumo Rock in Abeokuta or a picnic at Elegushi beach in Lagos.
5. Shopping expenses
With nearly everything on the high side both online and offline, you have to cut down your shopping expenses. From groceries to clothes and electronics, you should consider reducing the money expended on these items.
You have a party to attend this weekend but you cannot afford huge gifts but you still budgeted for it. Remember that life continues after the wedding. You should buy a simple gift and move on.
5 Simple Tips To Make Your Home Eco-friendly
The dilemma of developing countries like Nigeria are facing right now is whether to ignore warnings on climate change and go ahead with industrialization or cut back on development at the detriment of the environment.
Research shows that the impact of climate change is worsening. At the end, developing countries will be most affected by this phenomenon called climate change. So, it is pertinent that you make efforts to make your environment more eco-friendly.
In line with this, Jumia travel shares tips to help you make your home eco-friendly.
1. Get rid of incandescent light bulbs
Incandescent light bulbs generate a lot of energy to produce light. Thus a lot of energy are wasted. Why waste energy when you can use light saving bulbs? There are LED bulbs that can help you preserve energy which you can use later.
2. Install prepaid meter
The manual meters are gradually being phased out in Nigeria. Beyond the fact that electricity companies have refused to read the manual meters, it has allowed Nigerians to use power indiscriminately. In some homes, they do not switch off their light bulbs. This will never happen if they had a prepaid meter in their homes. These meters will make Nigerians cautious of how they use energy.
3. Use Gas instead of charcoal or stove
Gas is now used in many homes today. But at the same time, charcoal and kerosene stoves are still used especially in rural areas and in a number of homes in the city. It is better to use gas because of it very clean.
4. Turn off devices on the wall
Don’t leave your TV and other appliances on because it is on standby mode. Turn it off when you are not watching or using them. If you don’t know, you are wasting energy by leaving it on.
5. Solar panel
An environment-friendly way to generate energy is via a solar panel. This alone should make it attractive but it is quite costly. But if you can afford, you should get rid of your carbon emitting generators and go the way of solar panels.
5 Ways To Get Out of Debt If You Earn a Small Income
There’s a very high possibility that if you are earning a small income, you will borrow money to sustain yourself.
As a result, instead of planning how to improve your life with your hard earned money, you are making arrangements to settle your debts.
Jumia Travel, the online travel agency shares five ways to get out of debt on a small budget or slim income.
1. Commit to stop borrowing
If you are serious about getting out of debt, you should commit to stop borrowing no matter the amount you earn. This will no doubt end your indebtedness. The truth is if you continue your lifestyle that leads to your indebtedness, you will continue to borrow money and service debts monthly.
2. Make a payment plan
Making a payment plan to settle your debts is like making a resolution. You have to write it down and ensure that you stick to it. The plan should be all-encompassing to include what you spending your money on and the percentage you intend paying to service your debt monthly.
3. Change your spending habit
Your spending habit is a key reason why you are always in debt or may be unable to settle your debts. If you spend more even after settling your debt, you will keep borrowing money and you before you know, you are a chronic debtor.
4. Work hard to earn more money
If you are not ready to squeeze yourself to settle your debt with your small income, you should be willing to get a side hustle to cushion the effect of your indebtedness.
5. Set up automatic deductions
As far as you are humans, you are susceptible to procrastination. It follows that it is possible that you may not stick to your budget or change your lifestyle. Then the best option for you is to request your boss or bank to make the deductions and pay your creditor at the end of the month. The balance will be paid to you.
6 Lifestyle Changes To Make If You Want To Live To Be 100
Over the years, the human lifespan has significantly declined. However, there is a possibility that you can live longer than the recommended age of the WHO. The only thing you can do is to make lifestyle changes.
Jumia Travel, the hotel+flight booking portal discuss some of the changes you can make if you want to live until 100.
1. Stop eating junk
Many of us eat junk food. This is probably because you don’t have time to prepare a proper meal. The fact is eating these junk food have a negative effect on your health. Some of the health effects of junk or processed foods include diabetes and heart diseases. You should eat more fruits.
2. Run away from alcohol
Alcohol has always being fingered as a major source of health problems. This is why you are encouraged to do away with alcohol. You may not feel the immediate impact of your incessant alcohol intake but it gradually cuts your lifespan. If you have an alcohol problem, you should seek help. So when you eat at one of the best hotels in Lagos, alcohol should not feature in your menu.
3. Quit smoking
There is no gainsaying that inhaling smoke can damage your lungs. Despite this, the number of smokers is rising daily and even the recession has stopped many from buying packs of cigarette. They ignore the instruction that smokers are liable to die young. A combination of alcohol and cigarettes can adversely affect your health.
4. Don’t skip sleep
Sleep is very important to reinvigorate your life. So, if you are one of those who rarely sleeps, it is advisable you stop this now and have a good nap. The lack of sleep can lead to depression and deterioration in overall performance. So, try to get few hours of good sleep every day.
5. Stop worrying
With the recession in Nigeria, many people are very worried about a lot of things. The fact is your worry won’t change anything. Worrying can lead to high blood pressure. Even if you have to worry, it should not affect your wellbeing.
6. Avoiding the Doctor
This is peculiar to the majority of us. If there is nothing wrong with us, we won’t visit the doctor. Ironically, when some persons are ill, they prefer to check in with their pastor instead of a doctor. A pastor is not a doctor. So, you should make it a point of duty to always visit your doctor intermittently. This will help in early detection of any ailment or disease.
5 Money Mistakes To Never Make When Planning Your Wedding
Planning a wedding is not a child’s play whether you engage a wedding planner or not. It is very challenging and demanding because it requires thorough planning and of course money.
If you are not careful, you will make some monumental money mistakes when planning your wedding. Not to worry, Jumia Travel, the online booking agency identifies some of these mistakes.
1. Talk about the budget
There is no gainsaying that you must have a budget when planning your wedding. However, you must ensure that you discuss the budget with your bride or groom. This will ensure that both of you are on the same page when the spending eventually starts.
2. You don’t put a price to whatever you are shopping for
The prices of groceries and other items have significantly increased. Therefore, it is smart if you put a price on nearly everything to make your shopping easier. You can get the prices of whatever you want to buy online by going window shopping.
3. Sticking to your budget
Sticking to your budget when planning your wedding is not advisable because emergency expenses will always come up. You should make arrangement for these extra expenses so that you will not be caught in a web.
4. Not making arrangements on how to recoup money
This may be funny but you should do it anyway. You should make arrangements for how to recoup some of your wedding expenses. You should employ a live band and make sure there is time for couple’s dancing on the list of things to do. This way you will get some money to settle certain expenses.
5. Borrowing to finance your wedding
You should never borrow money to finance your wedding because you will have to pay back after tying the knot. You may end up paying for debts in the first few months of your wedding which doesn’t leave a good taste in the mouth.
5 Jobs That Will Be Likely Made Redundant By Artificial Intelligence
Artificial Intelligence is simply intelligence exhibited by computers. With the momentum that AI is gathering, some jobs will become redundant or very few hands will be required to do same jobs.
Jumia Travel identifies 5 jobs that may be replaced by robots or computers. To this in perspective, AI will take 6% of jobs in 2021.
AI is currently being used to identify some medical problems and recommend drugs for treatment. IT also helps you to keep track of your health for easy diagnosis in future. The advantage of AI is that there will be nothing like medical mistakes unlike when humans handle it.
2. Taxi drivers
Google, Uber and other tech companies are desperately working to ensure that cars will be able to drive itself. If they eventually achieve this, drivers will not need to drive cars anymore. The right sensors and communication will drive you wherever your location.
The jobs of reporters, editors and content writers may not be under threat. But the number of hands needed to report or write a story will significantly drop. An AI called wordsmith can read through data or a disjointed story, pick out the interesting part, and write a story. It has been used by Associated Press and Yahoo.
4. Customer service/Receptionist
Sorry, but customer service is one of the services that may not involve humans. Computers will be able to communicate with customers and provide relevant information to these same customers without any hitches. There are quite a lot of AI programs or software dedicated to customer service.
5. Personal Assistant
Entrepreneurs and business executives don’t actually need PAs anymore. AI-based programs can perform the functions of a PA.
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