Friday, December 08, 2006

Of Death, Rights and the Future

(A dark post)

As I watch my belly swell with the new life that grows within me, I find my mind increasingly filled with thoughts of death. I try to shove these thoughts aside but it’s difficult to and they forever hang onto the fringes on my consciousness.

You see I have what one would call elderly parents I guess. My father is seventy-six and my mother is sixty-seven. They are both in very good health, for which I am very grateful but I know at the back of my mind that they both perhaps have on average about twenty years each left on this earth. Please don’t get me wrong, I am not being morbid or wishing the inevitable to happen, but it’s a fact of life and I know, more so now than ever before that my parents are not going to be around forever, as much as I would like them to be. Each time they come to visit or I go over to see them, they are that bit more frailer, more greyer, more older, that bit more not able to do certain things. The last time I saw my dad after about three years, I had to go to my room for a good cry. This wasn’t the strong athletic man I grew up with, who seemed to be invincible. This was an old, frail man that stood before me. I was so shocked by what I saw and it hit me really hard.

Now, practically every time I speak with my parents the conversation almost always includes this bit…

‘PTS, do you remember Mr/Mrs. so and so?’
‘Don’t tell me. They’ve died’
‘Yes, two days ago. The funeral is next month.’
‘How old were they?’
‘Sixty-five/Seventy/Eighty.’

And I have to hold myself back from blurting out ‘Oh, they tried now. That’s a good age.’ Why? Because it hits me that my parents are in the same age bracket, and suddenly sixty-five/seventy/eighty is not a good age after all.

When I think of the future and the unavoidable, I guess I worry most about my mother. As a foreigner living in Nigeria, I don’t think my mother will have many rights in the event of her husbands death in spite of the fact that she has lived in Nigeria now for almost 47 years. I may be wrong though. However, even if the law is on her side in terms of inheriting the property and other worldly possessions, it largely depends on the largesse of my dad’s extended family.

Let’s be realistic here. On the death of a woman’s husband in Nigeria, be she a foreigner or not, seven times out of ten the family can make serious wahala for her regardless of what the law says. For now, my fathers’ family have been great – all of his siblings bar one have passed on and my dad, although the youngest, put all his nieces and nephews through school. The majority of them are doing well for themselves but there is always the possibility of someone popping out of the wood work – as it so often happens back home. And it’s these wood work popping individuals that can make life very miserable for the family the man has left behind. I worry about this, I really do. In addition, there’s the fact that my parents had only girls – so there is no mighty Son to fight for us. I have no idea if my father has made a will and I have never asked. Wills are still a bit of a taboo subject as the person you are asking usually tends to think that you are planning their demise.

And even if the worst case scenario doesn’t play out i.e. some stranger wanting to claim all my dad’s property for themselves, I worry what will happen to all the property of which he has quite a few. I know for sure that I will never go back home to live – not in Benin anyway, where the said properties are – and I don’t envisage my mother remaining there on her own. Both my sisters are married to foreigners so there’s no chance of them returning either. What’s going to happen to all the stuff in the family home? What’s going to happen to all the houses? Do we keep them (to what end?) or do we sell (which would break my heart as the house I grew up in holds very many dear memories for me)? There will be so many life changing decisions to make. I get weary and depressed just thinking about it.

It’s a strange post and a sensitive subject I know but it’s the place I find myself at, at the moment.

If there are any lawyers reading this post, or if you are knowledgeable about what the rights of foreigners married to Nigerians are I would really appreciate some advice or signpost me in the direction where I can look for further information.

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Saturday, August 05, 2006

Money Na Love

Going through an old collection of poems I wrote years ago, I found this.

Money Na Love


You say you wan marry, you say you want wife
Who you think say go marry you live yeye life?
This na Nigeria, you sef for know that
Dem no dey put woman for house if pocket no fat

After all, if we sleep finish na wake we go wake up
Abi you think say na sleep I go chop?
You fit say you love me na you sabi
If you no get money, lie lie, one of my eye you no go see

After all, I no suffer for my papa house
So why I go come dey follow you live like church mouse
So before you wear cloth to follow woman anyhow
Go put money for your pocket now, now

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Wednesday, August 02, 2006

Counting the Pennies

As August rolls in with blustery winds, sudden downpours and grey skies, I have decided to make the month in which I cutback, downsize and streamline my spending habits. Yes folks, this month I’ll be counting the pennies.

The first thing to go will be my spending on non-essential items – Ooh, that journal looks pretty I just have to have it! – and staying will be a regular amount being put into my savings account every month – Ooh, look at my bank balance grow! I am proud to say, I have set up a standing order which will sort this out for me on the first of every month but most ingeniously, I am having the money transferred into a new account to which I don’t have easy access. I have also downloaded a budget sheet which I intend to complete and put up on my fridge to remind me every day of my (self imposed) financial restraints for the month. *sigh*

Saying that however, I walked into Jones Bootmaker yesterday (nothing like a huge FOR SALE sign to drag you into a shop) and instantly fell in love with two gorgeous pairs of shoes. Being the shoe addict that I am, I just had to – of course, darling – try them on. Ooh, it was like surrounding my feet in butter. I had to use a chisel to pry them off and put them back on the display rack. I did walk away from the shop sans the shoes but I’m still dreaming of them though.

All in all, I am determined to follow through as I want to treat myself to a state of the art PC which comes with all the bells and whistles. My current PC is so old and grumpy; it’s time to get rid of it. I also want to go to Ghana (with a stop in Nigeria) for Christmas and that requires some serious cash.

Oh, if you are reading this and know of any good financial blogs, sites or other info to do with finance, budgeting, money saving tips etc, etc please let me know. Thanks!

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Wednesday, July 26, 2006

Avoid becoming a Spendaholic

Money - or the lack thereof

Okay so my resolution to put away £25 a month unfailingly is going … well, failingly. Every month, I put the money into my savings account alright but about a week later it’s out again with an additional £20 or more to boot. I just do not seem able to save.

The strange this is, when I lived and worked in Nigeria I never, ever worried about money. It’s true. I ever gave it one thought. The money always seemed to be there when needed. I bought what I wanted, went over to Takwa Bay when I liked, went to all the trendy places plus went on yearly holidays, all on a salary of well, not much when converted to pounds. Plus I gave 10% of my money in tithes every month unfailingly and still had enough left over.

But since I started living in the UK, the reverse has become the case. I think about money ALL THE TIME. It is constantly on my mind. If it’s not the utility bills, its nursery fees. If it’s not nursery fees, it’s the mortgage. If it’s not the mortgage, its your car insurance or MOT or Council Tax or or or!. It just seems to be one thing after another. It’s no wonder that at the end of the month there just is nothing left over to put away. Sometimes I wonder what the heck I am working for when all my money goes on paying taxes and paying bills. I hate the fact that before I buy anything for myself, the first thing that flashes into my mind is ‘Oh, if I put another £15 on top of that it will pay for a week of nursery’. I hate it, hate it, hate it. I think it’s a sad way to live.

I am not in debt (thank God for that), nor are we unable to put food on the table and pay the bills. What gets to me however, is the fact that there is hardly ever enough for the little extra’s that make life a little bit more comfortable and fun. I want to be able to go on holiday without having to spend weeks on the internet looking for the cheapest airline deal going. I want to go out for a nice meal in a nice restaurant. I want to be able to walk into a shop and treat myself to a pair of shoes or a bag and not have to think about the knock on effect this will have on other areas of my budget. I just want to be financially free. And one thing I know for sure is that my job – no job- is going to give me the financial freedom I crave for.

So what to do? Start a business? I have but even the money from that gets pumped back into it and so no real profit is being made yet. Invest the little money I do have? Yes but in what? I don’t really understand the stock market – my fault, I have never taken time out to try and understand it. Perhaps I should look for an investment club or start one. Hmm, that’s an idea.

So here’s what I am going to try and do - from next month, I am going to draw a budget up for myself and work with it as closely as I can. Or implement the strategy used on the program Spendaholics and go cold turkey for a week. I am also going to keep a spending diary so I can see exactly where my money is going.

I am sorry for rambling on about this, but this state of financial lack is really beginning to get to me.

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