MAJOR REASON WHY WORKERS SHOULD KEEP 30% OF 2013 DECEMBER SALARY FOR JANUARY,2014 EXPENDITURE.

workers all over the world are very similar to organizations like banks,industries, agency of government and all corporate institutions when it comes to balancing the revenue and expenditure accounts. As a salary earner, to balance salary accounts means equating your monthly or annual income to monthly or annual expenditure. For workers to have a surplus fund in the bank, there is need for salary earners to always strive to cut down expenditure and prioritize their demand.
December and January are two festive months that naturally do increase the quantity and cost of family food consumption, high cost of personal clothing and children wears. There are also other expenditure that do creates high cost of living in December which must be curtailed by 10% in order to face the challenges of paying children school fees, cost of accommodation in the new year, security fees, water rate, car maintenance/transportation cost and food items consumption in 2014 January.
Human beings naturally have unlimited wants and demand. If 30% of this month salary is not saved for January 2014 expenditure, there is every possibility that many workers would attempt to borrow whenever there is a shortfall in the revenue of their employers or in case whenever there is a late payment of salary in January, 2014 as a result of late passage of the budget.
For salary earners to be able to save 30% of December 2013 salary, there is need to approach very early your office cooperative society for the large purchase of food items like rice, wheat, grains, meat, seasoning, chicken, milk, beverages, vegetable oil, red oil and clothing. All these products are to be purchased from the cooperative savings and sheared to members at a moderate and affordable prices.
The availability of all the above food items in the home of all salary earners and keeping 30% of December salary in the bank account will not only make all workers have rest of mind, but also  make them to have self satisfaction that is in most cases associated with precautionary motive for saving money.
Happy christmas to all christian colleagues and prosperous new in advance to all workers.
NOTE: If you have any specific issue(s) that affects salary earners and you want it to be investigated and researched for the entire benefit of all workers in the upcoming year, please feel free to E-mail: thesalaryearners.info@yahoo.com OR Call:+234 08027562783 OR Visit : www.thesalaryearners.blogspot.com