If the financial plan is not well organized, the chances are high the others might be a little complicated and confusing and money is needed to execute other goals and a stepping stone to the next phase of your plan.
To manage your finance well this new year, you need to be financially awareness of your situation in the past years and your current situation. How good or bad the situation was? What really made your financial life look good or bad? Do your money control you or you controlled it? Where is your money really going? What’s really making you financially miserable? Do you know what’s going in or out? Do you create budget for it? Do frivolous buying leave you in financial woes? All these factors and others destroys you financially. you need to create your financial plan for the year.
If you have planned well for your money years back and have a better financial structure, you need to improve on it to make the years ahead better and comfortable. If you have not started at all, now is the time to start planning for the years ahead because of the unpredictability of job security, economic instability and other factors. These are not times when the government is as dependable as time past. Now is the time to step up and turn your finance around for good and prepare for a better financial future.



                         FINANCIAL REVIEW

You need to financially review yourself to know your stand. You need to think hard and meditate and answer these questions yourself to step up financially to be become free.

-Are you financially aware of your situation?
-Are you in debt?
-Is frivolous spending killing you slowly?
-Are you still in paycheck to paycheck life style?
-what’s your mindset about money?
-Are you saving?
-Do you save to invest?
-Any budgeting for your finance?
-Any plan for real estate or acquire your own property for the future?
-Any plan for retirement?
-Any plan to create more source of income for yourself?
– Any plan to build your career?

All these and others you need to sit yourself down and think deeply about and know where you are and what to do to break away from your financial woes. If you have answers to these questions and they are the right ones, you will surely breakthrough financially but if you don’t now is the time for the right answers to project ahead for the future is NOW.

-MULTIPLE SOURCE OF INCOME ( you really need to start a side hustle and money is needed)

All these needs to be in place this year to help you achieve your financial goals and to keep you in good shape in all ramifications. This year should mark the beginning of financial freedom for you and flee from a life of financial struggling. The years ahead is totally unpredictable and none of us can proudly foretell the future and how stable the global economy will be.
I will elaborate one by one on the listed points above so that you can understand better and really know what you are doing and how to go about it. I initially talked about two of them in my past blog post but I will shed a little light here.


Paying yourself in these interesting and changing times is one of the best thing you can do to yourself to be financially safe. I had a post on this topic before (WHAT YOU NEED TO DO TO BE A GOOD SAVER; WHY YOU REALLY NEED TO BE A GOOD SAVER) Paying yourself is your true value and gives a level of confidence and security. It’s not easy but it’s a level of discipline and sacrifice to make for the now and then. Times are changing so is the job. You need to pay yourself up to 10-30% of your salary every month and you can be a little strict by increasing the percentage to have a better and secured future. You need to have a saving plan. Create a special account or any dormant account you have or rarely make use of. As you get paid monthly, you automate it by transferring it to that account monthly or talk to the bank to do the automation for you once your salary is paid into your account. There are hundreds and more reasons to save. To secure the future, to become financially free, start your business and a few other things to do.
Now is the time to act and take action. Nothing is ever too late to do or start.
If you notice that you feel stressed with your saving plan and you are always short of cash, work on the percentage you are saving so that it’s simple, achievable and smart. You can have a yearly saving target at the end of the year like having saved a minimum of #50,000 to #150,000 or saved a maximum of #200,000- #900,000 at the end of the year after accumulating your monthly saving at the end of the year.
To know the exact amount to save just make use of this simple idea I once learned from a financial planner and a fund manager told me about to help you save comfortably without stress or worry.
SAVING (The real money to pay yourself monthly) = SALARY (Money earned at the end of the month)- EXPENSES (All expenses to be paid for the month)
For example; saving (#35,000) = salary (#100,000)- expenses (#75,000)


Paying yourself leads to financial security and always to first step to been rich. With these plan in place, act on them and it will lead to financial freedom.
These sums it all, with these you know how to start your financial goals for the year and take a bold step to secure the future.
You can share with me why you can’t really save and why you don’t have a financial goal to achieve.


Posted in Uncategorized | 41 Comments



Welcome to an exciting new year. Another amazing and wonderful year with so much to offer. What have you in plan for the year?  This year ought to be better, greater than last year. What have you in plan to make this year better, pleasurable and yield greater result for you?
What goals or resolutions do you have for the year? If you have them in place, how do you plan on achieving them? Are they realistic? Are they feasible and achievable? Will it propel you to get them achieved? Or just a junk list to write and abandon in a month or two?
Time flies, if care is not taken you will realize that you are stagnant with no goals achieved or bucket list or resolutions to keep you motivated.
If you have the plan, that’s good but if you don’t, you need to have a simplified one to help you achieve your goals and make it visible, where you can look at it each morning and evening and be motivated to take steps and action to make it a reality.  If you need help anywhere, talk to the needed people and network for help to achieve your goals for the year.



Your plan ought to be your map for the year to help manage your time and  do the needful to help your personal growth too. This plan can be edited and adjusted by adding or removing later to make it smart and achievable and not ambiguous and unrealistic so as not to get stressed out. When you are stressed out, you will abandon it, throw it away, care-less about achieving the goals and see meaningless reasons not to evaluate or either review it.
After preparing your plan, you need to have more copies to work with. One on the wall in your room to stare at when going out and coming in to keep you inspired and evaluate what you have done so far. If you have it on the wall, there will be days when the plan will speak to you on the wall. When you stare hard at it, you will surely be motivated to lift yourself up again and carry on with where you have stopped. I also suggest you have one in your bag. It has been of help to me. When am less busy, I bring it out to review and evaluate it, think of smart ways to achieve one of your goals. It worked for me on two to three occasions to achieve one of my set goals. I wanted to buy into an investment, I thought of moving it over to the following year when am ready. I brought it out of my bag on my way home one evening and kept staring hard at it on what to do and how to go about it and ideas began to drop, I opened my phone memo and typed it there. When I got home, I elaborate and meditate on it and made the right calls. By the end of the second week, it became a goal achieved and I felt fulfilled.
To simplify the goals, I broke it down to seven parts:
With these seven listed above, it’s simplified and smart, you can work out how to go about them and make them a reality and have a great year. For every goal listed, there should be an actionable plan to achieve them. All you need is the commitment, focus and time to have to make the goals a reality.
In my next post, I will simplify one or two but elaborate more on financial and I trust the others are not tough and could be worked on personally.
You can share insight on how to make your new year plan achievable and if need be, I can also help in any way too to make it simplified.
Posted in Uncategorized | 36 Comments


The year is entirely rounding up. How has it been so far? Did you set goals for the year? How far did you go with it? Did you achieve any goal for the year? If any, did you review your performance so far? Did you end this year with no goal or achievement? Did you really invest in any area of your life to help you grow? How did you personally review this year? How did you rate yourself this year? Did you make yourself better? Did you make the life of anyone better? What of the side hustle? What of buying into any investment (stocks, bond, mutual fund, treasury bills and others)? The course to upgrade yourself educationally? You had the bucket list or new year resolution or goals or plans but you ended up achieving none of them? Fear, negativity, procrastination and doubt made you join the mediocre who had nothing to show as the year round off. “I will save, I will save but could not save a dime. I will buy that investment, I will do the course, I will start that business but did not move an inch closer to take any action. Mostly importantly your financial goals? Did you set any saving goals for the year? Any goals to become financially free in a world of unstable economy? In a world where money has lost its value? Still hoping and searching for that safe and secure job in an unsecured world? still waiting for that job with the enormous salary? Did you ever save any penny so far, this year? Expenses and excuses did not allow you to pay yourself? The salary is small and never enough to meet your needs? Will it ever be enough when you start earning high? Will the expenses not all grow with you? Will your wants and needs not also skyrocket?

achievement so far

Are you still living paycheck to paycheck? Are you still in huge debt after salary? living a flamboyant lifestyle but swimming in debt?
What of the habits that have tied you down? What of the habits that have made you live in abject poverty? What of the inherited pattern you been battling with for years?  What have you put in place to break this hard pattern that has left you this way? Why did you still decide to continue with this style of many years or go back to it after all the new year resolution or bucket list you made a year ago?
Did you discover your purpose this year? Did you discover the vision for your life?  Have you discovered your strength and weakness? Do you know who you truly are? Are you living the life you dreamt of?  you passionate about what you do? Are you still struggling with that job? Still struggling with starting that business and not knowing what to do or how to go about it?
Do you want to go into the new year with these habits that have held you back these years? Do hope to make a change to become a better personality? Do you want to be transformed for greater height or make your big thinking a reality and achieve that big dream?
It’s  time for you create a day to sit down to think and meditate for the way forward and make sure the coming year is not the same for you. The time is right to bring about that change. To take note of vital things to achieve for the following year and how to go about achieving them in a simplified manner. How to break away from that pattern and move forward. It’s time to cut off every form of excesses from you to be prepared for the coming year. Let people see you and admit that the coming year will be prospective and better.

As you enter into this new year, resolve  in your heart to focused, disciplined, determined and committed to bring about that change that will make you financially free, get the help you need to start the business, the necessary support to help  break the strong habit holding you down.
Have a great, wonderful and positive year ahead of you.


Posted in Uncategorized | 76 Comments



Do your starting point matter? Where you are presently do not determine your next phase in life. So, it doesn’t matter where you are presently? Do you know the point of thinking big is your small beginning? Do you know small beginning can lead to a great beginning? Do you know ROME WAS NOT BUILT IN A DAY? If it was not built in a day and those men started at a point to take a bold step meaning you can take that step and start at a point too. Acquire that skill, take that step to buy into that investment, start that side hustle that leads to great height.
Are you bothered about what you will face? How you will overcome them? How you will manage the losses? The men that built the Rome experienced all sort of challenges to build that great city, these men experienced  losses in one way or the other but they stood their ground and came out strong to build that great empire that stood the test of time and today everyone quotes “ROME WAS NOT BUILT IN A DAY”. These men experienced a lot of obstacles and challenges that was never talked about, they acted to start building, they stood their ground and today it’s all history.
Can you take that bold step to think big and step out of that limitations? Break out of the NEGATIVE THINKING? FEAR? HABITS? BELIEF SYSTEM? It’s time you start believing that IT IS POSSIBLE? That it is achievable? That you will succeed? You can do it?




think big 4


To think big and achieve your desired goal, you need people to support you. Do you know you need people better than you? You need to seek for that right knowledge that can help you build that business? Do you know you need the right set of people to guide and enlighten you more on the stocks, bond, mutual funds to buy so as not to make the wrong buy and what to do when you get caught in the web of troubled market? The right people that will help you in that business and guide you well? The right set of people that will give you the direction you need?

By now, you should know yourself better. Know your strength and weakness. You need to bring in the right person to guide you in achieving that goal you have been thinking about or get the right support you need to become financially free. You need that experienced people to gather around to lift you to that next level. Through gathering around them, they make your big dreams a reality easily through their support and guidance.



If you are not clear about your thought, you keep roaming around a point. What do you really want with what you are after? As you think big, clearly define yourself and the goals/ project/ side hustle and the desired end to achieve a desired result.

Do you know you need to sit and envision yourself a success about what you are about to enter than allow those noisy thoughts that render you powerless preoccupy your mind and kill your dream? Do you conceive how that idea should look like? What you really want from it and what you really want it to look like? How you want the world to view it and all you need to do for that big dreams to become a big reality.



You can share your tips to think big or how you achieve that goals you set for yourself and overcame the challenges, how you overcame paycheck to paycheck pattern? How you overcome to start that saving, buy into that investment, start that side business, overcome that debt. it’s been a great year all the way.

Posted in Uncategorized | 58 Comments






There are habits that can hinder us from personal growth to think big if you keep indulging in them.
These habits are either from your environment, family and friends. They limit our thoughts and action and they hinder us from moving forward. These habits become part of our lives that they become normal and day-to-day activities and we seem not to be bothered but feel extremely comfortable with where you are. If you look at the people around you, their words and lives are limited that they can’t think big. You will notice worry, anger, aggressiveness, fighting and even murder cases. Do you know this habit affect you? Do you know it’s hard to break through amidst these habits? Do you these habits limit your earning power? These habits stop you from becoming financially free? These habits impact your thinking pattern to think big? These thoughts leave you in debt and you don’t know how to manage these debt issues or even settle them? These thinking pattern makes you work hard for money without thinking of adding value to yourself? With questions, you will know how your thoughts can make you rich or poor and where you inherit your thought pattern from. We must know that reprogramming our thought pattern from thinking small and trivial things to big things is our road to financial freedom.


Procrastination holds you back and pulls you down from moving forward in your life. It’s the act of putting off till later time. It’s when you delay what you ought to do now. When certain factors within your control make you hold-down what you ought to do to achieve your desired result or move your life forward.
You plan to start working on that ideas but you keep deferring it. You plan to start working on that product or services you want to offer that will make your life better but you keep deferring it? You plan to save, invest or start a side hustle to become financially free but you keep deferring it ? Why? You keep postponing it to do it later and forget that time flies and with time, that particular project or vision die because you keep deferring it for worthless reasons that are aimless.
In the midst of this procrastination, comes worthless and valueless excuses that are valid to you. For example, telling yourself you will save later once you are done paying your debt which you never do as more expenses surfaces, you have long list of expenses that your salary is too small for you to save, you need to enjoy your life now because it’s too short and you will save later once you are ready, you will buy into that stocks, bond or mutual funds later, you need to resolve an issue now. You can’t start that business now or you can’t do this or that now for one invalid reason or the other.


Negative thinking hinders a lot of things and stagnate you and tire you down. You never see anything good in anything. Everything is bad and nothing makes sense when are a negative thinker nothing ever work. you can end of failing in everything you do because nothing good comes out of it. everything is see is only now and you never see the future. The future is entirely bleak to you. there are 80% chances that events and people around you mean or yield nothing good to you. These thoughts come easily or with life experience which puts you in bad shape and destabilizes you and stop you from ever producing any good ideas and also expecting the worst case scenarios which introduces disappointment, pessimism, depression, overthinking, find fault in people, failure, mediocrity and a few.
With negative thinking you can’t achieve your goals and everything about goal setting is negative and your thoughts are small and limited and you don’t see far and beyond. This negative thinking affects your health, state of mind and the way you relate with people around you. With these thoughts, you attract the same set of people who see nothing good in thinking big.
These thoughts drain our energy in every area of your life and that’s why nothing good seem to come out of you. It prevents you seeing things that are possible to do now and in the future and makes you tired of life most times.
A friend once told me he can never ever buy into any investment because his father once did and lose and all his money which led to his father’s death so he can never let anything lead into buying into investment. He expresses his negative thought anytime you talk about investment.
These are what negative thoughts do, you never see anything good truly




Worthless and minor problems keep distracting you from thinking big and they don’t allow you to see the bigger picture. These problems take your time and saps your energy and you lost focus to think big or even chase that big dream. These problems preoccupy you and in your heart becomes bigger problem that can’t be solved and it keeps dragging your attention away from good and positive things.


In my past post, (9 WAYS TO INVEST IN YOURSELF; WAYS TO CHANGE YOUR MINDSET ABOUT MONEY) i talked about the impact of friends and families in your growth and habits about money and these set of people go a long way to being a success in life and to getting to that great height in life. Their words which is as a result of their habit formed their decision and this creates their point of view in life which also impacts you and hinder you from thinking big or even ever having goals or chasing anyone. They either support you or destroy you. Your big thought will change lives and destiny and not everyone will see it the way you do. This people will criticize and almost destroy your big dreams with their condemnation because 80%-90% never had one and never believed in one and if not careful that goals die and you live an aimless life like them too
Where you are currently, is a function of the company you keep and where you will also be tomorrow. If you want to be successful, productive and efficient to a level, the company you keep has a part to play.
The right set of friends possess the attributes that leads you to your desired destination. These friends/families have no right network that can influence any area of your life.
Your improvement is built on the right friends you keep and they influence your choice and decision-making most times and help connect with others that can help.
Making friends and hanging out with these set of people can make you tend to poverty and scarcity and no big dreams.
For example; hanging with these sets of friends can’t make you save money, they will talk more about financial challenges and with time you have more financial problems. They will tell you buying into investments is bad. Giving you reasonable points or tells you about all the negative parts of starting a business and the challenges and how it can pack up in one year.
It’s time to review your friends and watch where your advice come from and what they say to you.


Fear has crippled and hinder a lot us from thinking big it affects our being a success or failure. This fear has destroyed lives and destiny. A lot of people could not go into that business because the fear of losses, the fear of the business closing down in less than two years, the fear of the known and unknown, giving power to your thoughts to feed you with more of the bad part than the good it has to offer you. The fear cripples your mind with valid reasons not to invest and as you keep procrastinating the vision to dream big and become financially free dies. For every step, you want to take to achieve that big dream this fear comes in with better reasons not to venture into and it breaks you down and you accept your status quo. Your decision-making
it hinders our every steps, thoughts and action. Your decision-making experiences the challenges of fear because of the negative advices from friends and families and the negative thoughts that preoccupy your mind.


Big thinking requires time and commitment to achieve your dreams. Time to plan it out and how to go about it and what to do, who to talk to, advice and decisions to make. But if the time is not there, failure will surely surface. If no time to acquire the knowledge about the business or investment you want to buy into, the chances are high that you might likely fail. The time is a vital key to thinking big if the time is not there to think, meditate, plan and acquire the knowledge for that big dreams you are ending


There are many more factors not included and you might even know more but these are vital factors that are limits you from thinking big. Will you break or fight these limitations? Will you let your life remain the same? Will you continue to live from paycheck to paycheck? It’s time to think and meditate and break this barriers that have held you down from start that business, buying into that investment or running after that project. You can tell about your personal limitations from thinking big and did you break forth from anyone and how you did it.

Posted in Uncategorized | 46 Comments


I want to say a big thank you to ENELE OGAH, Roses of Life for nomination me for LIEBSTER AWARD
You can view her blog here:


We live in a limitless world of possibilities, if only we open our mind to it and believe and act on it. But why do we restrict ourselves? Why do we place embargo on our thoughts? Why are we where we really are? Why can’t we achieve great things? Why is everything around us limited, small and scarce? How do we really think? How is our thinking pattern like? Do you know you are the source of limiting factors in your life? How do you dream and what do you really visualize about? What are your aspirations? What do you really dream about? Do you dream big or small? Do you think of abundance or scarcity? Do you have a heart of thanksgiving or blame everything around you? Do you know you can have a dream and make it a reality? Do you know if you are courageous about your dream it brings out the greatness, influence and exceptionality in you?
Do you know that one key difference between the rich and the poor begins with how they think? What they think about? And what they do with their thoughts? Do you know these thoughts forms IDEAS that become a game changer for them? Do you know the thoughts of the poor degenerate them and drag them backwards leaving them in stagnancy and always short of ideas that brings about the scarcity and lack in their lives?
Do you know these thoughts could cause self-limiting beliefs and limits you from earning, saving and investing your way to financial freedom and introduce hardship and poverty to your life? These thoughts determine if you will remain rich or poor. Do you know thinking small can lead to limitations and financial struggle? Meaning you are narrow-minded and limited in thoughts and actions, you can’t see afar off.
Thoughts are created in the mind which arise from a way or pattern of thinking.
As time flies, these thoughts develop into ways of thinking big that eventually overwhelms the person and moves them towards turning this thoughts into goals and making that the goal a reality. It involves leaving your old personality for your new self to achieve these big dreams. To think big, you must put barriers and challenges aside because they are inevitable. Meaning you must be prepared for them and must be overcome to step up to the next level and you must be determined to make your formed thoughts a reality.

think big 3

This thoughts experiences challenges, analysis and condemnation in all ways but when you stand against all odds it becomes big and a reality.
If you have an IDEA or TALENT, you are indebted to yourself to make it a reality. Why settle for less, why live in scarcity than the full potential of what you can do with it? Why limit your world where the world has endless possibilities and abundance?
To think big, you need to have visions, you need to see it from the positive side of life. To think big, you need to be courageous, determined, patience and ready to persevere.
If what you have in mind is at all worth doing, then people will doubt, condemn and give you more reasons that dream of yours can’t be a reality.

think big 4

People will make you see why you can’t become financially free, why you can’t build that business and why you can’t think big and why you don’t even deserve it.
when you have a strong vision, the courage takes care of itself. The courage and perseverance see you through the tough times or else you will drop by the way side and lose all you have been struggling to build. When you can see, hear, and feel your vision, then you simply should pursue it, however insane it might seem to others.
If your entire day is all about this vision, it makes your heartbeat every seconds and all you see around you is this big dreams and you believe it will turn your world around and will make become financial free, impacting people’s lives, you need to go after it with all you have in you to make it a dream come through.


Posted in Uncategorized | 93 Comments




When you look at your savings and accumulated debts you tend to look at them as forces controlling you. You look at it as totally impossible and difficult. You realize that you don’t pay yourself, you live paycheck to paycheck and always in debt and you are entirely confused about the whole thing. You can’t even give your life a direction financially and its affecting other areas of your life even causing you stress.
Instead of blaming yourself or others for the financial mistakes you have made, you can sit down and review where all the errors occurred and start reprogramming yourself for wealth creation. Look at where the lapses are, your expenses, debt, how you accumulated them and what to do to cut down this debt and expenses. How you need to cut down excesses and where you need to do that. How to pay off your debt in bits so it does not affect you financially. How to stop and block the excesses and delay gratification to achieve your financial goals. Being financially aware of where you are is the starting point and also the path to the next phase.
Your habits are either from your environment, family and friends. Think back to the past about the way your parents manage their finance and settling bills and they reacted to money issues and how they managed monetary. You will notice worry, anger, aggressiveness, fighting and others. How did it affect you? What did you learn? How hard did your parents work for their money and did they ever have the time? Is their money working for them? Were they always in debt and How did they manage their debt issues? With these reasonable questions, you will know where your inherited money habit and ideologies are from.
We must let go of the past and reproduce our future by reprogramming the habits and thinking pattern. Change the way you think about money. Change your beliefs of scarcity to abundance, from money grows on trees to how to how to create money. From working extremely hard for money to smart work and making money work for you while you are relaxed.


Once you realize you are managing your finance based on inherited habits you need to change the habits and adopt new ones. If you don’t change the habits you will struggle financially and your woes will continue. You will experience yourself retrogressing financially and stagnancy.
Change your beliefs and set money goals, create budget, knowing what is coming in and going out and how to save more money and free yourself from the bondage of paycheck to paycheck and start paying yourself and be free and live without worry.
Fear makes us live within our hereditary habits and be contented with it and where we are financially and live paycheck to paycheck. It keeps us between our limited beliefs and makes you accept your status-quo and beliefs nothing works. We are often faced with fears when opportunities to move to another level shows up. It surfaces with questions that enslaves and limits us and stops us from going after the opportunities which stagnates us. We see all the bad sides of the opportunities than the good we can enjoy and how it will change our lives. Fear keeps you from having good financial plan and goals giving us reasons they are worthless and limits you from making more money. Fear leaves you broke and struggling financially but you must be bold enough to take steps that liberate you from your limitation and become financially free.
You are responsible for your financial breakthrough. To start making more money, DECISION MAKING and COMMITMENT are very key to the next phase of your financial growth Think of abundance, more will come to you and you open the door to endless possibilities and attracting positive things to yourself. You must think of how to start side hustle and know more about it. Have good knowledge of investing and what to invest into and how to make money work for you.
Once you decide to start make more money, your mind opens to abundance and opportunities will surface. And chance to acquire new skills and grow and improve yourself to make more money surfaces too and you need to take quick actions. Spend more time on improving and growing your skills and block all loopholes and know everything you need to know about it and how to innovate and be creative and monetize it and make more money.


Where you are currently, is a function of the company you keep and where you will also be tomorrow. If you want to be successful, productive and efficient to a level, the company you keep has a part to play. make friends with people who possess the attributes that leads you to your desired destination. If you currently have friends who do not conform to your goals, get rid of them, or, at the very least, greatly reduce the amount of time you spend with them. It’s time you keep the right company that helps you grow in most areas of your life and support your goals. Networking with the right set of people can influence your promotion at work, get a new job, support and give you ideas for your side hustle.
Your improvement is built on the right friends you keep and they influence your choice and decision making most times.
Spending and keeping company with them helps you a lot in most part of your life and help you achieve your desired goal earlier than planned.
Make friends with the rich and hang- out with them. When you hang out with the rich you begin to believe that its possible to grow rich by changing your thoughts and erasing limiting beliefs and your words begin to change.
Appreciate the little you have, you will have more. Be thankful of what you have and the right people in your life, it attracts more blessings. Be thankful for sound health, safety, being alive and that which you expect. Being thankful open the doors of opportunity and abundance.



Posted in Uncategorized | 90 Comments


I want to thank @Imochoa488 for nominating me for BLOGGERS RECOGNITION AWARD

Our mind determines our destination and impact most area of their lives.  Your mindset about money is very vital. It’s your thought pattern and attitude about money. This mindset determines how you manage and spend money and your relationship with others about money too.

This way of thinking did not just evolve from the atmosphere or come from nowhere it’s a thinking pattern generated over time that evolves into a habit that impacts your decision making. 

This pattern determines what you spend your money on, what you think about money like saying “money is scarce and hard to get”, am I plucking money from tree? “and a few other mindsets. 

We grow up with this mindset about money from our childhood and take it into marital lives and you keep thinking the same thought pattern. You attract the same set of people with the same mindset, you all talk the same way and live in the same environment and share the same mindset too and pass this same notion to your children and your spouse might likely have this same mindset too and everything around revolves with the same pattern, that is scarcity mindset.

Out of your mind cometh the things of your life. These things of your life can determine how your life becomes because as you think so are you in all area of your life. These patterns of mindset attract everything and even your set of friends into your life. The rich will network with each other all the time to keep a healthy mindset and lifestyle so do the poor and so with career people. 

Most people are not aware that they have been programmed their entire life to interact with money in a very particular way. Being programmed in this thinking pattern made your life experience stunted growth and everything seems to be hard and you believe you need to work hard for your money and you don’t know you need to make your money work for you by saving and investing them. And by investing your money, its making your money work hard for you while your mind is at rest which is also paying you for your work too.

This mindset impacts your IMPULSIVE SPENDING, DEBT, FINANCIAL WOES and a few others but you are never aware of it. You just jump out of bed every morning rush to work and back to bed at night, living paycheck to paycheck and continue to struggle and it’s as if you are blind to the world.

Its time you sit down and analyze yourself and know what is wrong financially and know if you will have to continue with this mindset and struggle from hand to mouth or you need to bring a drastic change to your finance that will transform your financial woes and impact your next generation.

Where did this programmed mindset come from? How did you come about it? How did you acquire it? How did this pattern creep into my mind and control your decisions and become habits?

You acquired it from grand-parents, parents, friends, family, schools, environment and so forth. Check out your parents and find out how they react to money and their belief systems about money. When you visit your friends how do their parents also react to the issue of money. Find out what your friends belief about money and how they manage money? What did people around you in school too belief about money? They know or say nothing about money but just spend it as it comes and no plans for savings or investing or even thinking of paying themselves Check out their environment and you realize that the higher percentage have the same thought pattern. This actions and reactions form your ideas and leads to habits which form your decision in every area of your life and that’s why you struggle financially.

This programmed pattern brings fear, anger, aggressiveness, self-limiting beliefs, negativity in most area of your lives, struggling to achieve anything, paycheck to paycheck, you need to work harder instead of working smarter and even hardship.

But becoming aware and reprogramming yourself and thought pattern can show enormously in most areas of your life. You must change the words you say and choose your words wise and think about where you get your advice from which also affects your mindset. It will reprogramme your mindset and every area of your live will experience reprogramming.  if you want to be financially secure, you must control your thoughts and beliefs and change your network .

You should change your beliefs about money and change the programming on your mind about money. For financial freedom, you need to free yourself from your inherited habits and create new habits that allows you to create money.

Posted in Uncategorized | 99 Comments



 I want to thank  @Verskil for nominating me for SUNSHINE BLOGGER AWARD of the month. Thanks a lot once again Jennifer Osuji.            




If you are saving, it should be for the short-term to achieve your goals and for a long-term goal, you should be willing to take risk by investing which is making your money work hard for you to become financially free.
If you need help, you can visit asset management houses, financial advisers who will give you advise on what to invest on.
Once you have saved enough, invest part of savings in assets that will appreciate like MUTUAL FUNDS, STOCK, BOND and COMMODITIES. To invest in stocks is to invest in businesses that you cannot manage yourself but by people who own shares in businesses that they built and gives your money value over time.
Diversify your investments to control the risks and buy into Investments that gives compounding interest that grows with time for your long-term goals.


The difference between an INVESTOR and SAVER is that an INVESTOR is someone who takes the money they save and puts it to use buying assets like stocks, Treasury bills, mutual funds and bonds that makes them grow rich and create another stream of income for them while a SAVER puts money in the bank with very little interest for the sake of being secured.
Stocks, mutual funds, Treasury- bills and bond are extremely enticing long-term investments which have a level of risk but they can be unsteady and exposed to short-term fluctuations in value but requires a long-term dedication to give the expected growth. Being rich is not the money one gathers by saving, but the money one put to ACTION.

Saving money portrays money in the bank that does no work and loses value with time. If your money is made stagnant it’s not an asset but liability. Saving is a good habit, but without investing, it stagnates. Being a saver takes discipline, patience and commitment but you take step further to take risk which is the path to being rich.


save to invest 1


Posted in Uncategorized | 76 Comments


save to invest 3

Developing a habit of saving is the road to financial freedom and that’s undeniable. Saving helps you live below your means, free you from paycheck to paycheck lifestyle and also grow in confidence. Saving is a path to achieving a lot of goals and even start your side hustle. Saving ought to add to a good amount of money you use for investing. You can’t make more money by saving alone. When you live below your means even unexpected expenses surfaces affecting you financially most times but when you create another source of income the impact won’t be that much.
When you save without putting the money into an investment to make it work for you, the saving will not yield return and it leads to an average life. The way out of average life is to increase your source of income. To be financially free, you can’t depend on saving alone but have multiple source of income. To make more money, you put it to action which leads to a life of financial freedom. When you transform your saving to investments, your money makes sense and you grow rich and you will worry less financially and think of how to think of more source of income.
Think of saving as setting money aside and preserving your money in a secured place where you can get it to achieve your short-term goal; the one you achieve in less than four years. The money you save earn low interest and rates on money saved is low but the fact is that your money is secured and you won’t have to worry about any market fluctuations or even emotions like fear of losing your money grip you.


save to invest 2

A long-term financial goal requires more money, you invest with the desire that over time the money you set aside will grow by making more money for you and reinvesting the interest paid to make more money for you.
Saving and investing work together with risk: the more you want your money to grow, the more risk you will have to take. And because investing tends to be a long-term process, some investments makes it a little hard to speedily withdraw the money you’ve put into them. The fact is that your returns will be higher compare to just saving alone.
The saver’s money in a bank has an interest 1% or little more and if attacked by inflation, with time your money loses its value. And if left longer time, your money loses its value by the forces of inflation. Why would you settle for an investment paying less than 1%when a very similar investment is paying more than 7% and above? Why not take that bold step and go for the one with a higher investment that makes you worry less about money?
Why not take the risk that will liberate you from the rat-race and become financially empowered? Why not take time to think of the value of money saved in the bank? What impact does it have living the money there for too long and inflation keeps eating deep into in it? Do you know #100,000 saved in the bank is not the same in 5-10years time? Because it’s either an ASSET or a LIABILITY. It’s an ASSET when put to work but a LIABILITY when left to stagnate in your account doing nothing.
When you invest, you use your money to buy an asset that will generate a certain return as time goes by and when you sell your asset at a higher price, you make more money for yourself.


Posted in Uncategorized | 81 Comments