Monday, April 03, 2017

How to Make a Budget Plan to Save Money on a Fixed Income

How to Make a Budget Plan to Save
Money on a Fixed Income

1. Determine your overall monthly income-: If
you are earn a fixed salary, then you are certain
about how much you take home each week or
month. But if you are a freelancer or
independent contractor whose monthly income
varies, you should try to figure out how much
you earn on the average. Knowing how much you
earn per month is the first step towards
creating a workable budget. However, you must
bear in mind that your monthly income is what
you are left with after you have remitted your
due tax. So, don’t factor in your tax dues into a
your overall income.

2. Understand how you spend money-: Your next
and perhaps the most important steps towards
setting up a budget is to list every bill that you
pay monthly as well as your minimum payments
to things like credit cards.
Think about how you spend your money each
month. What are the monthly bills you have to
pay? What are your extraneous expenses that are
not really necessary ? Looking at where your
money is going can help you control your
expenses better. Pick up a pen and paper. List
all the things you spend your money on. Then
break down your expenses into categories, such
as home, auto, food, utilities, health, savings,
and so on.
If you owe some debts, you should make a
separate list of the total amount you owe each
creditor. If necessary, you may need to call your
creditors to confirm exactly how much you owe
them. Calculate your total monthly payments to
know how much you will set aside for them each
month. Remember, this is the time to be
completely honest with yourself. Never lowball
your expenses nor inflate them.

3. Add in extra payments-: To the total you have
calculated in the first step, add the amount you
spend on gas for your vehicles, groceries,
clothes, and anything else you spend money on
each month, such as newspapers, cigarettes
( yes, you need to add it if you smoke), and wine
bottles.
To get a clear picture of these additional
expenses, you may want to keep your receipts
for a week or two. Don’t forget that you will
need some pocket money for emergency
payments. Total your extras together with your
monthly payments.

4. Compare your spending to your monthly
income-: After listing your monthly spending,
compare your calculated total expenses with your
total income. If what you get after subtracting
your expenses from your earnings is a negative
number, that means you are living beyond your
means—and you need to reduce your spending
until it equals or becomes less than your income.
Spending more than you earn is the worst
financial mistake you can ever make, and it can
confine you in the quicksand of debt for life.
If your total expenses exceed your income, you
need to check your list of expenses to find areas
you can cut down on. For example, you can stop
buying newspapers and start reading the news
online using your phone, instead. Similarly, if
you are a chain smoker, you can reduce the
number of sticks you take per day ( aside that
this will help you save money, it will also
improve your health ). You might be paying too
much for auto insurance, in which case you need
to look around for a cheaper policy.
As you note areas where you can cut costs,
keep subtracting your total expenses from your
income until you get some left over. If you still
can’t make this happen, probably because you
can find any unnecessary payment in your list,
you might need to increase your income by
taking another job.

5. Set your budget and financial goals-: By
creating a budget, you should have some goals in
mind, both short-term and long-term. Setting
goals and working towards achieving them helps
you stay on track with your budget. Examples of
short-term goals include saving a certain
percentage of your income every month.
Examples of long-term goals include paying off a
huge debt or being able to put down a mortgage
payment on a home or car. Short-term goals are
easier to reach than long-term goals, but they
are usually a build-up to the long-term goals. If
you are unable to achieve your short-term goals,
chances are you won’t be able to achieve the
long-term ones.

6. Analyze your spending for importance and
necessity-: With your short-term and long-term
goals in mind, go through your list of expenses
once again to see if your total expenses can
allow you to achieve your goals. If you cannot
achieve your goals without reducing your
expenses, then you need to cut down on those
spending that are not absolutely essential.
If a significant amount of your money is going
into things that are not necessary, you will need
to cut down on those. In short, you will most
likely need to make necessary changes to your
spending habits in order to achieve your goals.

7. Restructure your budget-: After eliminating
unnecessary spending from your budget, rewrite
and review what you are left with. This will help
you ensure that you have not left out anything
important. Don’t forget to include unforeseen
spending in your budget, such as the cost of
repairing your car after you suddenly landed into
a ditch or the cost of fixing your smartphone
screen that smashed after the device slipped off
your hand.

8. Stick with your budget-: The only way to
make your budget useful is to implement it to the
letter. Don’t be tempted into spending over your
monthly budget, as that’s a sure recipe for
failure to achieve your short- and long-term
goals. Creating a budget is easy, but sticking
with it is difficult. If you can successfully stick
with your budget, then you will be able to
achieve your financial goals.

Friday, March 24, 2017

Latest Jobs - British High Commision (BHC) Graduate Project Support Officers Recruitment

110 Latest Jobs - British High Commision (BHC) Graduate Project Support Officers Recruitment



Posted: 22 Mar 2017 10:12 AM PDT
The British High Commission, is recruiting to fill the position of: Project Support Officer - NCA/CSSF Joint Border Task Force. The position is located in Lagos State. Interested candidates should posses relevant qualifications.
Posted: 22 Mar 2017 11:24 AM PDT
Pfizer Nigeria, is currently seeking applications from suitably qualified candidates to fill the following graduate positions:
Posted: 22 Mar 2017 02:24 AM PDT
Chemiron International Limited, is currently seeking to employ suitably qualified candidates to fill the following graduate positions below:
Posted: 22 Mar 2017 02:38 AM PDT
Elbeo Limited - Our client, a leading Agro-allied Group of Companies, is recruiting to fill the following graduate and experienced positions below:
Posted: 22 Mar 2017 11:34 AM PDT
An Indigenous Oil & Gas Company, is recruiting suitably qualified candidates, to fill the following positions below:
Posted: 22 Mar 2017 10:49 AM PDT
The Nigerian Stock Exchange, is recruiting to fill the position of: Team Lead, Corporate Social Responsibility. The position is located in Lagos State. Interested candidates should possess relevant qualifications.
Posted: 22 Mar 2017 03:10 AM PDT
Guinness Nigeria Plc, is recruiting to fill the position of: Corporate Communications Manager. The position is located in Lagos State. Interested candidates should possess Bachelor degree and post graduate qualification in PR, Marketing or Journalism, with at least 8 years work experience.
Posted: 22 Mar 2017 11:51 AM PDT
Mercy Corps Nigeria, is recruiting suitably qualified candidates, to fill the following positions below:
Posted: 22 Mar 2017 06:39 AM PDT
Caverton Offshore Support Group, is recruiting to fill the position of: Account Officer. The position is located in Lagos State. Interested candidates should be NYSC Batch B Corper currently serving, with B.Sc in Accounting.
Posted: 22 Mar 2017 07:53 AM PDT
Hotel De Kajola, is currently seeking to employ suitably qualified candidates to fill the following vacant positions below:
Posted: 22 Mar 2017 01:39 AM PDT
Kedi Health Industries (Nigeria) Limited, is currently recruiting suitably qualified candidates to fill the following graduate and experienced positions below:
Posted: 22 Mar 2017 11:23 AM PDT
Patjeda Group - Our client, Citadel Hotel and Suites, is currently seeking to employ suitably qualified candidates to fill the following positions below:
Posted: 22 Mar 2017 08:37 AM PDT
Laura Foods Limited, is recruiting suitably qualified candidates to fill the following positions below:
Posted: 22 Mar 2017 03:49 AM PDT
Hobark International Limited (HIL), is recruiting suitably qualified candidates to fill the following positions below:
Posted: 22 Mar 2017 04:32 AM PDT
The Management of the National Youth Service Corps wishes to inform the general public, especially prospective Corps members, that the NYSC Mobilization Time Table For 2017 Batch "A" is out.
Posted: 22 Mar 2017 12:11 PM PDT
Workforce Group (Formerly Workforce Management Centre) - Our client, is recruiting to fill the position of: Sales/Account Manager - Digital Advertising. The position is located in Lagos State. Interested candidates should possess relevant qualifications, with at least 3 years work experience.
Posted: 22 Mar 2017 11:51 AM PDT
Mercy Corps Nigeria, is recruiting to fill the position of: Senior Project Officer - Policy & Governance. The position is located in Lagos State. Interested candidate should possess a Master`s Degree or its equivalent in Education, Management, Social Sciences, International Development or other relevant fields, with at least 4 years work experience.
Posted: 22 Mar 2017 11:48 AM PDT
Mercy Corps Nigeria, is recruiting to fill the position of: Manager, Policy and Governance. The position is located in Abuja. Interested candidate should possess a Master`s Degree or its equivalent in International Relations, Development Studies, Management, Social Sciences, International Development or other relevant field, with at least 7 years work experience.
Posted: 22 Mar 2017 11:35 AM PDT
Cummins, is recruiting to fill the position of: Manufacturing Engineer. The position is located in Lagos State. Interested candidates should possess a College, university, or equivalent Degree in Manufacturing Engineering or related technical or scientific field.
Posted: 22 Mar 2017 11:35 AM PDT
Mercy Corps Nigeria, is recruiting to fill the position of: Nutrition Coordinator. The position is located in Borno State. Interested candidate should possess a Masters` degree or equivalent experience in Nutrition, Public Health, or other relevant Behavioral/Social Science field, with at least 4 years work experience.
Posted: 22 Mar 2017 11:25 AM PDT
Newgate Medical Services Limited, is recruiting to fill the position of: Medical Officer. Interested candidates should possess an M.B.B.S Degree from a reputable University, with at least 3 years work experience.
Posted: 22 Mar 2017 11:00 AM PDT
Stresert Services Limited - Our client, one of the leading property development companies in Nigeria, is recruiting to fill the position of: Project Accountant. The position is located in Lagos State. Interested candidates should possess a Bachelor`s Degree in Accounting/related courses, with at least 7 years work experience.
Posted: 22 Mar 2017 10:55 AM PDT
Mario Consulting Limited - Our client, a major player in Cash Management and Logistics, is recruiting to fill the position of: Logistics Operations Support Manager. The position is located in Lagos State. Interested candidates should possess First Degree in Transport Management, Statistics/Mathematics, Business Administration, with at least 5 years work experience.
Posted: 22 Mar 2017 10:55 AM PDT
Vantage Microfinance Bank Limited, is recruiting to fill the position of: Assistant Marketing Officer and Marketing Officer. The position is located in Imo State. Interested candidates should possess Secondary School Certificate, OND (Accounting) or any relevant qualification.
Posted: 22 Mar 2017 10:42 AM PDT
The British Council, is recruiting to fill the position of: Nigeria Status Project Manager. The position is located in Lagos State. Interested candidates should possess Post-graduate qualification in Management, Finance or Law, with relevant years of work experience.
Posted: 22 Mar 2017 10:03 AM PDT
Hobark International Limited (HIL), is recruiting to fill the position of: General Ledger Accountant. The position is located in Lagos State. Interested candidates should possess B.Sc in Accounting / Business related degree, with at least 2 years work experience.
Posted: 22 Mar 2017 09:55 AM PDT
GE Nigeria, is recruiting to fill the position of: Operations Delivery Manager, SS&D. The position is located in Lagos State. Interested candidates should possess Bachelor`s degree from an accredited university or college (preference of Engineering or other technical degree) or equivalent experience, with at least 10 years work experience.
Posted: 22 Mar 2017 09:54 AM PDT
The African Development Bank (AfDB), is recruiting to fill the position of: Financial Analyst Assistant. Interested candidates should possess a Bachelor Degree or its equivalent, with at least 5 years work experience.
Posted: 22 Mar 2017 09:28 AM PDT
Patjeda Group - Our client, Citadel Hotel and Suites, is recruiting to fill the position of: Hotel Receptionist / Front Desk Officer. The position is located in Lagos State. Interested candidates should be an S.S.C.E/OND holder, with at least 3 years work experience.
Posted: 22 Mar 2017 09:21 AM PDT
Aeti Sysytem and Controls Limited, is recruiting to fill the position of: Business Development Manager - Power. The position is located in Lagos State. Interested candidates should possess B.Sc/ B.Eng /HND in Electrical /Electronics Engineering, Mechanical Engineering, Computer Engineering or other related disciplines, with at least 5 years work experience.
Posted: 22 Mar 2017 09:05 AM PDT
Aeti Sysytem and Controls Limited, is recruiting to fill the position of: General Manager, Business Development and Strategy. The position is located in Lagos State. Interested candidates should possess MBA, M.Sc in Business related fields.
Posted: 22 Mar 2017 08:57 AM PDT
Michael Stevens Consulting, is recruiting to fill the position of: Group Project Engineer. The position is located in Lagos State. Interested candidates should possess B.Sc/MBA in Civil Engineering or Project Management, with a minimum of 5 years work experience.
Posted: 22 Mar 2017 08:54 AM PDT
Human Resource Specialists Limited (HRSNG) - Our client, is recruiting to fill the position of: Internal Control Officer. The position is located in Lagos State. Interested candidates should possess a Bachelor`s Degree in Accounting or Finance, with a minimum of 3 years work experience.
Posted: 22 Mar 2017 08:48 AM PDT
Aquada Development Corporation, is recruiting to fill the position of: Customer Relation Representative / Front Desk officer. The position is located in Abia State. Interested candidates should possess HND/B.Sc in any discipline/Art.
Posted: 22 Mar 2017 08:47 AM PDT
Human Resource Specialists Limited (HRSNG) - Our client, is recruiting to fill the position of: Inventory Manager. The position is located in Lagos State. Interested candidates should possess a Bachelor`s Degree in Accounting, with a minimum of 6 years work experience.
Posted: 22 Mar 2017 08:43 AM PDT
Aquada Development Corporation, is recruiting to fill the position of: Staff Architect. The position is located in Abia State. Interested candidates should possess B.Sc Degree in Architecture.
Posted: 22 Mar 2017 08:01 AM PDT
Active Voices, is recruiting to fill the position of: Project Officer. The position is located in Imo State. Interested candidates should possess a University Degree or its equivalent in Public Health, Nursing or any Social or Health Science related fields.
Posted: 22 Mar 2017 07:50 AM PDT
Active Voices, is recruiting to fill the position of: Project Officer. The position is located in Kaduna State. Interested candidates should possess a university degree or its equivalent in Public Health or any Social or Health Science related fields.
Posted: 22 Mar 2017 07:42 AM PDT
Response and Strategic Marketing Limited, is recruiting to fill the position of: Female Research Executive Trainee. The position is located in Lagos State. Interested candidates should possess a Degree or MBA in Statistics, Economics, Marketing, Industrial Mathematics or Computer Science.
Posted: 22 Mar 2017 07:20 AM PDT
Laura Foods Limited, is recruiting to fill the position of: Company Accountant. The position is located in Abuja. Interested candidates should possess at least HND in Accounting or Business Administration or its equivalent, with at least 3 years work experience.
Posted: 22 Mar 2017 07:14 AM PDT
Hotel De Kajola, is recruiting to fill the position of: Storekeeper (Male/Female). The position is located in Lagos State. Interested candidates should possess relevant qualifications, with at least 3 years work experience.
Posted: 22 Mar 2017 07:12 AM PDT
Hotel De Kajola, is recruiting to fill the position of: Maintenance Officer. The position is located in Lagos State. Interested candidates should possess relevant qualifications, with at least 5 years work experience.
Posted: 22 Mar 2017 07:04 AM PDT
Laura Foods Limited, is recruiting to fill the position of: Operations Manager. The position is located in Abuja. Interested candidates should possess a first degree in Food Technology or Bio Technology or Microbiology or Laboratory Science or Mechanical Engineering or Electrical Engineering or Civil Engineering or its equivalent, with at least 5 years work experience.
Posted: 22 Mar 2017 07:04 AM PDT
Hotel De Kajola, is recruiting to fill the position of: Front Desk Officer/Receptionist. The position is located in Lagos State. Interested candidates should possess HND/OND qualifications, with at least 3 years work experience.
Posted: 22 Mar 2017 07:00 AM PDT
Hotel De Kajola, is recruiting to fill the position of: Account Officer. The position is located in Lagos State. Interested candidates should possess HND/B.Sc qualification, with at least 3 years work experience.
Posted: 22 Mar 2017 06:42 AM PDT
VoucherNet Limited, is recruiting to fill the position of: Administrative Personnel and Booker. The position is located in Lagos State. Interested candidates should possess relevant qualification.
Posted: 22 Mar 2017 06:34 AM PDT
Audacious Business Concept Limited, is recruiting to fill the position of: Retail Sales Associate. The position is located in Lagos State. Interested candidates should possess B.Sc /HND/OND in any field.
Posted: 22 Mar 2017 06:20 AM PDT
Roemichs International Schools, is recruiting to fill the position of: Early Years Teacher. The position is located in Kwara State. Interested candidates should possess relevant qualifications.
Posted: 22 Mar 2017 06:12 AM PDT
Abt Associates, is recruiting to fill the position of: Project Assistant. The position is located in Lagos State. Interested candidates should possess a Bachelor`s degree or higher in Health Economics, Health Policy & Management, or Public Health, with a minimum of 3 years work experience.
Posted: 22 Mar 2017 06:12 AM PDT
Channel IT Group, s recruiting to fill the position of: Project Delivery Manager. The position is located in Lagos State. Interested candidates should possess a Bachelor`s or Master`s Degree in Engineering, Information Technology, Telecommunications or any related course, with a minimum of 5 years work experience.
Posted: 22 Mar 2017 06:11 AM PDT
Pfizer, is recruiting to fill the position of: Medical Representative. Interested candidates should possess a Bachelor`s Degree in Biological Sciences preferably Pharmacy or Medicine.
Posted: 22 Mar 2017 06:09 AM PDT
An Educational Institution located in Lagos State, is currently recruiting to fill the following vacant positions below:
Posted: 22 Mar 2017 06:07 AM PDT
An Established School, is recruiting to fill the position of: Female Head of Nursery/Primary School. The position is located in Lagos State. Interested candidates should possess B.Ed or B.Sc, Dip.Ed, M.sc and/or Certificate in Montessori Education will be an added advantage, with at least 3 years work experience.
Posted: 22 Mar 2017 06:02 AM PDT
Onstream Group, is recruiting to fill the position of: FOPS - Training Facilitator. Interested candidates should possess an Engineering degree (or equivalent), with at least 20 years relevant experience.
Posted: 22 Mar 2017 06:01 AM PDT
An Established School, is recruiting to fill the position of: Vice Principal. The position is located in Lagos State. Interested candidates should possess B.Ed, MEd or B.Sc, M,Sc, Dip.Ed qualifications, with at least 1 year work experience.
Posted: 22 Mar 2017 05:57 AM PDT
An Established School, is recruiting to fill the position of: Female Principal. The position is located in Lagos State. Interested candidates should possess B.Ed, MEd or B.Sc, M,Sc, Dip.Ed qualifications, with at least 5 years work experience.
Posted: 22 Mar 2017 05:53 AM PDT
A first class Law/Publishing firm, is recruiting to fill the position of: Litigation Clerk. The position is located in Lagos State. Interested candidates should possess a minimum of a Diploma in relevant field.
Posted: 22 Mar 2017 05:49 AM PDT
A first class Law/Publishing firm, is recruiting to fill the position of: Front Desk Officer. The position is located in Lagos State. Interested candidates should possess minimum of OND in relevant field.
Posted: 22 Mar 2017 05:46 AM PDT
A leading company in the Revenue Management Sector of the Nigerian Financial Services Industry, is recruiting to fill the position of: Certified Information Systems Auditor. The Position is located in Lagos State. Interested candidates should possess a Bachelor`s Degree in Accounting, Computer Science or Business Administration.
Posted: 22 Mar 2017 05:45 AM PDT
A first class Law/Publishing firm, is recruiting to fill the position of: Legal Practitioner. The position is located in Lagos State. Interested candidates should possess a minimum of LL. B., B. L, with a minimum of 3 years work experience.
Posted: 22 Mar 2017 05:43 AM PDT
A leading company in the Revenue Management Sector of the Nigerian Financial Services Industry, is recruiting to fill the position of: Graduate Trainee. The Position is located in Lagos State. Interested candidates should possess Bachelor`s Degree preferably in Accounting, Law or Computer Science.
Posted: 22 Mar 2017 05:41 AM PDT
A first class Law/Publishing firm, is recruiting to fill the position of: Accounts/Stock Officer. The position is located in Lagos and Oyo States. Interested candidates should possess an OND in Accounting, with a minimum of 2 years work experience.
Posted: 22 Mar 2017 05:37 AM PDT
A first class Law/Publishing firm, is recruiting to fill the position of: Head of Accounts. Interested candidates should possess B.Sc in Accounting, with a minimum of 5 years work experience.
Posted: 22 Mar 2017 05:29 AM PDT
An indigenous Oil & Gas Company, is recruiting to fill the position of: Senior Production Engineer. Interested candidates should possess B.Sc in Petroleum Engineering, Mechanical Engineering or Chemical Engineering, with a minimum of 5 years work experience.
Posted: 22 Mar 2017 05:29 AM PDT
A first class Law/Publishing firm, is recruiting to fill the position of: Personal Assistant to the Managing Director. The position is located in Lagos State. Interested candidates should possess a minimum of HND in relevant field, with a minimum of 5 years work experience.
Posted: 22 Mar 2017 05:29 AM PDT
The United States Agency for International Development (USAID), in partnership with Centres for Disease Control (CDC), invite applications for the position of: Consultant. The position is located in Abuja. Interested candidates should possess relevant qualifications.
Posted: 22 Mar 2017 05:20 AM PDT
A first class Law/Publishing firm, is recruiting to fill the position of: Digital Marketer & Marketer. The position is located in Abuja, Enugu, Imo, Lagos, Oyo and Rivers States. Interested candidates should possess a minimum of OND in Marketing, with a minimum of 3 years work experience.
Posted: 22 Mar 2017 05:18 AM PDT
An indigenous Oil & Gas Company, is recruiting to fill the position of: Production Maintenance (Mechanical, Electrical, Instrument). Interested candidates should possess OND/HND in Engineering, with a minimum of 2 years work experience.
Posted: 22 Mar 2017 05:16 AM PDT
A first class Law/Publishing firm, is recruiting to fill the position of: Manager, Marketing and Sales. The position is located in Lagos State. Interested candidates should possess a minimum of HND in Marketing, with a minimum of 5 years work experience.
Posted: 22 Mar 2017 05:08 AM PDT
An indigenous Oil & Gas Company, is recruiting to fill the position of: Production Operator. Interested candidates should possess HND in Engineering, with a minimum of 2 years work experience.
Posted: 22 Mar 2017 03:23 AM PDT
Standard Chartered Bank Nigeria, is recruiting to fill the position of: Country Sourcing Manager. The position is located in Lagos State. Interested candidates should possess minimum of degree from a reputable university.
Posted: 22 Mar 2017 03:23 AM PDT
Action Against Hunger | ACF-International, is recruiting to fill the position of: Nutrition and Health Head of Department. The position is located in Abuja. Interested candidates should possess an advanced University degree (Masters) preferred in human Nutrition, Medical Sciences or Social Sciences, with a minimum of 5 years work experience.
Posted: 22 Mar 2017 03:19 AM PDT
Action Against Hunger | ACF-International, is recruiting to fill the position of: Mental Health and Care Practices Regional Coordinator. The position is located in Borno State. Interested candidates should possess a Master`s Degree in Clinical Psychology, preferably combined with a Public Health Diploma, with a minimum of 2 years work experience.
Posted: 22 Mar 2017 03:17 AM PDT
Elbeo Limited - Our client, a leading Agro-allied Group of Companies, is recruiting to fill the position of: Business Development Manager. Interested candidates should possess Degree or HND in any Agriculture related disciplines, with a minimum of 8 years work experience.
Posted: 22 Mar 2017 03:16 AM PDT
Elbeo Limited - Our client, a leading Agro-allied Group of Companies, is recruiting to fill the position of: Business Development Manager. Interested candidates should possess Degree or HND in any Agriculture related disciplines, with a minimum of 8 years work experience.
Posted: 22 Mar 2017 03:07 AM PDT
Petros Management Consulting Limited - Our client, a reputable ICT firm, is recruiting to fill the position of: Project Manager. The position is located in Lagos State. Interested candidates should possess a minimum of B.Sc Degree, with at least 4 years work experience.
Posted: 22 Mar 2017 03:05 AM PDT
Rescue Technologies Limited, is recruiting to fill the position of: Corps Member/Fresh Graduate Executive. The position is located in Lagos State. Interested candidates should possess relevant qualifications in Computer Engineering/Science/ IT field.
Posted: 22 Mar 2017 03:02 AM PDT
Cypress Leasing and Investments Limited, is recruiting to fill the position of: Business Development Officer. The position is located in Lagos State. Interested candidate should possess a Degree in a relevant field, with at least 2 years work experience.
Posted: 22 Mar 2017 02:55 AM PDT
Gocollate Technologies, is recruiting to fill the position of: Sales and Marketing Executive. The position is located in Lagos State. Interested candidates should possess B.Sc qualification, with at least 3 years work experience.