Money Smart

Every year, Forbes posts a list of the richest people in the world, these people are multi millionaires, their net-worth can buy some of us and our families combined😊😊😊😊😊. These wealthy people have a 'code' that they follow/adhere to. There's a saying in my local language which loosely translated to English means: "If you want to catch a monkey, you need to behave like one (a monkey)". This saying is applicable to soo many things including today's topic........... So I will rephrase the saying this way: "If you want to be a millionaire, adopt the habits of millionaires"😊😊😊😊😊😊 You will agree with me that most of us want to be multi-millionaires, the question is do we imbibe the millionaire code? Multi-millionaires have some things in common, from Mark Zuckerberg to Bill Gates to Warren Buffet to Aliko Dangote, you will find out that they almost always have similar habits . The habits of these billionaires have ensured t

Hello Everyone!!! A very happy new year to you all. So I took a time out , but I am finally back. My first post for the year will be quite humorous but very educative..... I'm sure some of you saw the title of my post and have wondered if I am alright?😉😆 Of course I am....... This is just me thinking "If I can write about how people can make money, save money and make more money, then I should be able to write about how not to make money" ...... *strictly for laugh s * Here are a few tips on how to remain poor for life....... while this is laced with humour, it is also thought-provoking, so sit back, relax and enjoy reading.... Never wake up early, Keep turning and tossing in bed until you are too hungry to continue dozing. If there are no bedbugs, why hurry to get up? Never plan how to spend your money. Whenever you get money, start spending it right away, and when it's finished , try to recall how you spent it..... Afterall, there's more where t

Hello!!!! It’s Valentines Day and everywhere is already being painted red with all sorts of products and services for us to show how much we love and care for the people in our lives. This is a season to show love to friends, families and strangers (this doesn't mean you should stop showing love to people after Vals day o) ***winks*** So, I am sure a lot of you have made plans for Vals, and such plans will most likely involve outflow of funds......................................... lots of funds. (insert huge grin here). While it is absolutely fantastic to show love to your significant other, families and friends this season, you also need to be mindful of over spending.  Below, I'll discuss 5 valentine's tradition, you can easily ditch, so as to cut costs. Sit back relax and enjoy....... 1. Fixed Menus Restaurants are notorious for beefing up their prices around Mother’s Day and Valentine’s Day. They know people don’t want to cook and clean on days meant

 Hello Friends, Happy Sunday!!!!! I hope we had a beautiful day. So it's the start of a new week, and I absolutely love starts. I see it as an opportunity to re-write, re-brand and renew. I read something about financial planning in the past week, and I decided to share with my fellow blog readers. Please relax, enjoy and learn a few things, as we go through this together: "From the look of things, this year will likely be a difficult one financially, and to get through effortlessly, you have to start planning from the beginning. You can't afford to wait till the end of the first quarter, or half-year to start planning. Planing should start now. Use estimates if you must plan, and change to actual as you go on, but don't wait any further." Be prepared to let go of some things, and only spend when absolutely necessary. If you have saved money, try not to touch it. Please do not spend on frivolities. Avoid capital projects in the next

 Happy New Year!!!!!!! Welcome to 2016!!! 2016 promises to be a year of exciting possibilities, financial breakthroughs and opportunities............. Can I hear a resounding AMEN? *********laughs************* I can literally see the wheels turning in your head, like, when did she become a preacher? I know right, but I believe in prayers, I also believe that there is power in the tongue, so once again please say a resounding AMEN to my statement above.... ************grinning widely************************* I decided to start the year with a prayer, because I know we all need prayers, but I also know that prayers without actions will come to naught......... For the prayers above to come to pass, you need to take some actions............ You need to be disciplined about your finances, you need to make your money work for you, you need to have a financial plan (what I'd like to call a budget in this context), you need to master the art of Budgeting. Most of us

Hello Everyone!!!! It's the last month in 2016, and I am soooo excited!!!!! 2015 has been a year of discoveries, and exploring new frontiers for me. I hope it's been the same for you? You know, I sat down yesterday, and I was thinking............ this happens to a lot of us in December right? We start thinking about the year which is coming to an end......... We start ticking our lists (for those of us who make lists/resolutions), to find out if we achieved what we set out to achieve. December is the month in which reality stares most of us in the face. It's also a 'turn-up' month, so we tend to spend a lot during this period. From giving out hampers and other Christmas gifts to attending parties, and lots of shows, we tend to spend more than expected in December. The funny thing about this month is this: It tends to go by in a rush, and sooner than expected January comes staring us in the face, with lots of bills to pay; from school fees, to ho