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.

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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.

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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.


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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.



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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.

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 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.


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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.


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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.


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Take a note and list all your expenses for the month and take a look at what you need to potentially cut back on or remove completely. This makes you understand how much money you have to plan with every month. It makes you know where you are really spending money on and to cut the excesses. Budgeting makes you think twice before spending, and it helps you to plan ahead. With the monthly budgeting, it helps in self-control most times and reminds you that you can’t go beyond your budget in certain things you need to buy or hope to spend money on.
Before buying anything review the best deals at an affordable price before buying any product or things you need. You can visit more than four to five stores to look for the best deals for that particular product or things you need to buy and in doing so, one of the stores will sell at a better price that suites you and help you save more money.
Going cashless will allow you to control your spending, it empowers you to handle your budget well. Payment cards through banks such as  MasterCard, verve and other allows you to carry out banking transactions safely without the need to carry cash around.
Think of ways to better your future financially and grow your earnings. develop your work and financial skills. You can make your future better and create plans to achieve your set goals and how you can use money to achieve most of these goals. Think of ways to make you money make more money for you while your mind is at rest and you stress less about monetary issues. Think of your side hustle, real estates, investments and a few others that puts more money in your pocket.

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Don’t get caught up in debt, look for ways to settle your bad debt on time. Look for ways to increase the amount of money you save every month until your debts are settled and grow your savings by increasing the percentage, maybe from 10% to 20% monthly or even more if you want to be a little hard on yourself to achieve your financial or future plans.
The first areas of your financial life should be paying attention to your retirement savings. But most people still aren’t saving enough or putting plans in place for their retirement. Through your employers, you can create retirements plan or work with a financial institution to set- up one which you put a certain percentage into monthly

Once you start pay yourself by saving certain percentage, you grow in confidence and have a level of financial safety than before. When you start paying yourself, you experience a change in the way you think about your salary and money and even look for ways to grow your savings and make more money. It’s about making yourself feel you can spend less and pay yourself more. With time, you adapt to this new habit and get used to this new pattern and breaking away from an inherited old that makes you worry most times financially.




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SAVING is the percentage of your income or money you set aside for future purpose in place of squandering it.

Saving has a vital role to play if you want to be financially secure but people find it hard to set money aside monthly. You can be a good saver by reducing your expenses and setting a plan in place to save for the future.

PAYING YOURSELF FIRST is a way to save money and it’s still the best way to save money. Setting a certain percentage of your earning aside which can be between 10-30 percent or even more depending on how you control your expenses. you’re saving for yourself and your future goals before spending the rest on expenses. Doing this seems tough but it’s easy when you put your mind to it. Only when your mind is focused on a particular goal and you take the necessary action that’s when you can achieve it. Anybody can pay his or herself a certain percentage of a his or her earning if the person is unyielding and ready to leave the rat race. When you pay yourself by saving a certain percentage which grows over time, it gives you a level of confidence that you have something to fall back on and you are taking a step of stepping out of the constraint   of paycheck to paycheck.

The only way to grow your wealth is to make saving and spending less your habit and that’s one of the key points that distinguish between the poor and the rich.  When you save, what’s the aim of your saving and paying yourself for? Is to buy assets or liability? Is it to plan for project, invest? Is it to plan for retirement? “Are you planning   on saving for Impulsive buying that don’t add value to you? Your saving is what you do to achieve certain goals in your life and if it’s not achieving the sets goals it’s no more saving but sowing and not reaping. It’s like planting a seed that dies with time because it’s not been watered. When its watered it achieve its aim by growing.

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When you live a life style of debt you are living from paycheck to paycheck with no documentation of where your money goes. When your money is not well managed its fades away or either develop wings and vanishes to who knows how to manage it and you have yourself to answer for it as time passes.

It can be very tempting to purchase something impulsively you want today rather than saving up for it and paying cash for it later. Delaying an impulse buying also helps you decide whether it is something you really need, or a waste of money. Denying yourself of those things to plan, live an organized and financially free life pays a lot later in the future.

Money used to purchase to any asset where there is an element of great investment will make you happy and fulfilled with time. Most times, the investment can be risky or even cause losses but when it bounces back most times the return on investment is huge and it pays off. Shift your thinking from living paycheck to paycheck to start saving and planning your finance to achieve financial freedom and plan with the saving to make it an ASSET and thank yourself later for a life of financial fulfillment and freedom.



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Too many people squander their time by watching too much TV, mostly programmes that adds no value. These people get addicted and spend their valuable time watching these programmes. Just little programmes on TV teaches us on to grow in every area of our lives.

People spend larger time on the internet doing things that don’t add value to them and squandering their valuable time. It’s not bad to be on the internet but be moderate and be more focused on things that adds value to you.

Reading constantly add great value. It energizes your mind, improves your use of language, increases your general knowledge, allows you to connect like minds. It makes you a problem- solver and it makes you think fast and smartly. Almost all the great leaders spend time reading.
Read books, articles, magazine, newsletter, read blogs, follow the recent news or anything related to the talent or skill you are working on. Stay updated of the latest trends or advancements in what will help your growth in every area of your life.
Reading more books gives you access to knowledge you know nothing about. It gives you access to grow your skills and expose you to that know-how you need about the side hustle you are about to go into. It exposes you to the pros and cons and how to go about it. Stop reading trash and start reading what add values to you, it helps you grow in every department of your life and transform you to a better person for yourself and society.



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. Conversely, if you currently have friends who do not conform to your goals, politely 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.



Planning helps determines how you will get things done and get there. Without planning, it is nearly impossible to achieve your goals because you will squander valuable time and resources. All efficient and productive people plan, so invest in yourself by planning your days ahead.



You should always be learning a new skill. That is what successful people do constantly. They are where they are because they improve. If you don’t improve yourself, you might become stagnant and be left behind in a fast-moving world that is changing. Investing in your knowledge and skills can takes many shape, it’s not limited to your career, business alone but other areas of your life too. You could register for online classes or courses, attend seminars and conferences by expert, watch TED talks, etc.



When you have good health, you know you can go out and achieve anything. You are unstoppable but with poor and terrible health, every day seems like the last day. When you are healthy, you are efficient, sound mentally and productive. Investing in your health having good meals, strolling for distance or signing up for a gym makes you efficient. When you invest in your health, you’ll surely reap the result.


Control your spending and improve on your saving now!  As long as you are in debt, your money controls you in all manners. Clearing off your debt is your first step in controlling your finances so they can’t control you. Then you’ll become less stressed, sleep better and worry less.

And don’t forget that paying yourself first and living below your means can fund your future project and achieve your goals! Saving enough money to pay cash for what you want and will gives you the opportunity to quit a job, retire early, start the side hustle you love or have the financial freedom you desire.

Having extra cash for emergency purpose helps you plan to weather the storm in tough times. With planning and self-control your dreams can achieve the impossible.


Meditate or doing something attached to your religion helps you in term of self-control. Creating days for personal fast and prayers to commune with your creator help you to grow and impacts achieving your goals too. It helps in discipline your attitude, actions and perception. Things first manifest in the spirit realm before becoming a reality in the physical. You have to do the basics or your body and mind will break down.


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Taking steps to make swift changes and investing in yourself in positive ways creates a brighter and healthy future for yourself. Why is investing in yourself so important? You spend the most time with yourself than anyone else. Investing in yourself mentally, spiritually, financially and emotionally gives you a better return on investment on your personality. Investing in yourself is not only about acquiring new knowledge but also pushing yourself beyond your comfort zone.
Investing in yourself may be the greatest investment you ever make. It yields not only future returns, but often an instant result too. The surest way to achieve a better-quality life, to be successful, productive, and satisfied is to place a priority on investing in personal, emotional, financial, mental growth. Your effort to continually investing in yourself plays a great role in determining the quality of your life and future.
Investing in yourself is not only the monetary aspect but every area of your life that needs growth and development. You need to know when to SPEND, SAVE and INVEST.











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below your means

People are trapped in jobs they don’t like because they depend fully on the level of income, if you can live on less than you earn, you can plan ahead and think of what to dabble into.
A lot of people are in debt because they don’t save money. But if you live below your means, you will always be putting money into savings, because that’s what you should do with money that you don’t spend. A good saver can achieve set goals for himself and won’t have to being in debt to achieve the goal to a large extent.
As you live below your means, you will have enough money to enter into your side hustle. This will give you the time to plan and organize yourself and know what it cost to enter into your side business.
When you avoid the mall, there are chances that you will avoid IMPULSE BUYING; buying things you don’t need, they trap you by drawing your attention. Even if you don’t buy at that point in time your mind has captured it and you will be back in a very short time to buy it even if you have to be in debt to buy it.
Buy all you need in cash than your ATM card because you incur more charges and the ATM card don’t really look like money and you use it for most of your transaction.
You can always get the best deal before buying anything if you price that particular product in 4-5 places you will get a better price and cut down your cost.
You will have enough to invest into long term investments that pay-off and yield more income like bond, stocks, mutual funds and so forth.
If you take the time and patience to set yourself up properly when things take a turn for the worse, you will be prepared to handle it. If you live above your means and when the slightest financial woes occur, you might likely be in debt.
Comparing yourself to others makes you want to acquire things you don’t need and incur debt.
To stay within your budget, look around for other sources of entertainment. Instead of buying books most times, borrow them from the library or download from internet. Instead of going out to the movies most times, rent a movie or download from the internet Instead of buying an album, download from the internet.
living below your means is the road to financial freedom whatever your income level may be, you will worry less and sleep well at night. you will be a little efficient at work. Anyone who lived from paycheck to paycheck to a life of financial freedom will tell you what he/she sailed through to financial freedom.










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