Hmm... You keep making posts and adding to my list of posts I should make :) Except I'm on vacation to visit my mom and making posts is tough. However, at the end of the day it boils down to this:
First: Cover your needs. Do it in the absolutely least expensive way possible to make for a lifestyle you are comfortable living. Be creative.
Second: Everything else after that amount if yours to either spend or save. How much you devote to each side is fluid. However, Warren Buffets advice "Buy when people are fearful and Sell when others are exuberant" seems like good advice to me.
I'll write a better post later, right now I'm trying to get at least one post done and I'm deciding between the power of Hope and how to survive and thrive on 30K Naira / month. I think I'll write on hope as the other one will take forever.