Most Nigerians struggle financially in January because they spend more buying new clothes they already have, making more financial expenses on traveling, which some are not really relevant, over spending on food which is even more than a 6 mouth budget. instead of making plans on how to renew house rent store rent paying of school fees by January e.t.c
Why had it always been that people like you will always make use of Nigeria as a case study in things like this, are there no other challenging countries than Nigeria that people are there suffering out of ignorance and personal indecisions, maybe you should even consider a larger numbers of countries that were even below the standard of how an average Nigerian lives and be grateful for once and stop being great fools, missappropriation can happen to anyone in life, stop the castigation on Nigerians or using it as a scape goat for bad manners.