Do You Know That Giving Unlocks The Gates Of Wealth ?

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Hello friends, you would notice that we have not posted any new content to this blog in the past couple of days. This is not because we are not ready to serve you your usual spicy and hot postings. It’s just that we have been away equipping ourselves to serve you even better dishes. Yes, you guessed right, we have been undergoing a one week training on ‘Demystifying the Internet’ some 600 kilometres away from our base. In fact, we are still at the training but we felt we should not starve you for so long and that is why we just had to make out time to drop these few words.

Our beliefs contribute in no small way to the wealth we attract to our lives. From childhood in most climes and cultures, there are all kinds of myths associated with being wealthy. Some believe God has not designed it for all to be wealthy. For others the root of all evil is money while others believe that not every one can be rich so why try?  Some others believe money is meant to be spent to satisfy their desires ( in other words, live for today as tomorrow would take care of itself). In the same vein, people in some climes are taught to hold tightly to what they have, never giving. Most times people hold tight to things even when such things have outlived their usefulness. People give out only what they obviously do not need or things that are not usable by them any more. Are all these beliefs true or false?

There is a universally accepted principle that givers never lack and lackers never give. If one does not learn or cultivate the culture of giving right from an early age, a principle of lack is unconsciously unleashed. It should be noted that in order for one to receive, one must learn to have an open fist because when your fist is clenched, you receive nothing. There is this story told of a man who fell into a water well and all efforts to take him out of the well by neighbours yielded  no results. This was simply because he had been urged by his neighbours to stretch out his hand to enable them pull him out but he refused to do so. When his wife was contacted, she told them that they obviously did know her husband. She then told them that they should follow her to the scene and watch what she was going to do. On getting to the well, she called out to her husband saying John Darling, please TAKE this rope’. John there and then immediately reached out and took hold of the rope.  What does this tell us? John only knew how to receive but not give. He refused to stretch his hand when he was asked to do so even at the risk of loosing his life. What about you?

Are you like John? Are you in the habit of only receiving but never giving? If you are, it is time you began changing. It is time you began giving for that is a major key that unlocks the universal principle of receiving. It is clear that the more you give, the more you are likely to receive. You will be successful when you start obeying this principle. Today, America is one of the richest nations on earth. One of the reasons for this is that young Americans are taught the art of giving right from childhood and they grow up with the giving culture. No wonder, America is today what it is!

It is by giving that you attract more to yourself. The Christian Holy Book says ‘… give and it shall be given unto you, good measure pressed down, shaken together and running over shall men give unto your bosom. The plain truth is that if you do not cultivate the habit of giving hardly would anyone give to you either. In a nutshell, you’ve got to learn to give, have an open heart and be willing to invest in others around you in order to attract wealth to yourself. Whatever your goal might be, you would only achieve it faster when you’re willing to give to others. This will bring into your life other people that are willing to also give to  you to enable you achieve success. Note that giving here does not mean senseless giving or the giving of money only. Neither does receiving mean the same.

Our Dear friends cultivate the culture of giving: to the poor and needy, to the less privileged, to charity, giving of offerings and tithes, and see how money would fly to you.

Give it a trial, TAKE ACTION TODAY!

We remain deeply committed to your success,

ChrisVidal


 

Do You Know That Your Friends Could Set You on the Path of Wealth or Poverty?

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There is one thing we must all accept which is that we are responsible for most of our circumstances. We must recognize our responsibility to make things happen or not happen. We must learn not to pass the buck for our situation in life. This is not to say that we are always and solely responsible for our circumstance but the truth is that we are largely responsible! If this is the case, it then follows that we are responsible for the friends we keep and consequently, the influence they have on us.

A friend according to the Encyclopedia of English Language is someone on terms of affection and regard for another who is neither relative nor lover, someone who freely supports and helps out of good will. According to Henry Ford a friend (and we add ‘a true friend’) is anyone who brings out the best in you.

What is that one thing you have defined as supremely important in your life and how do the friends you keep help you achieve it?

If you really want to succeed in life you need to take a second look at the kind of people in whose company you are regularly found. Are they the type of people that add value to your life or detract from you? Would they assist you climb the highest mountain or lead you to nose dive into the deepest ocean? If you want to unlock your hidden potentials, John C. Maxwell said, spend your time with people who will speed you up. Find someone who thinks faster, runs faster, aims higher. Those are the people who will lift you up.

Friends that would bring out the best in you would have the following qualities among others:

  • Fear of God because that is the beginning of wisdom
  • Believe in you and your vision. Mark Twain said keep away from people who belittle your ambitions. Small people always do that, but the really great make you feel that you too can become great.
  • Enhance your area of time management. If all they do is help you spend your time doing unproductive things, we tell you, you can do without such friends.
  • Positive speech with financial literacy
  • Be a good listener
  • Have an investment mentality. They focus on investment and not income.
  • Not complainers or destructive critics.
  • Be ready to pay the price to get what they want.
  • Be ready to take their destiny into their hands.
  • Live within their means and not perennial borrowers.

If you truly want to have a more fulfilling life and to attain financial freedom fast you should seriously take a closer look at your friends and be willing to change some or all of them if need be. Do not leave relationships whether casual or serious to mere chance. If you are still unmarried, the type of person you marry should be of critical importance to you. This is simply due to the fact that such a person may make or mar you – for life. Remember that the type of opportunities that come your way depends on whom you associate with. According to Brian Tracy the direction of your life will be changed by a simple comment, a piece of advice, or a single action by one person. Have a mentor. A mentor is someone who has already done what you want to do and is successful at doing it. From the mentor you learn their mistakes and determine not to make them while striving to move up faster with lesser mistakes.

How do you begin to cultivate the friendship of the right kind of people?

  • Start by becoming a better person because you can only attract to yourself those that are like you. Swami Chinmayananda said a true friend is discovered not by searching outside for a right person to befriend, but by growing to be a right person to deserve a friend. So start with yourself. What kind of person are you and would others pick you as a true friend that would bring out the best in them? Brian Tracy said the quality and quantity of your relationship with other people will determine your success as much or more than any other factor. His law of relationships explains that relationships are essential; the more people who know you and think of you in a positive way, the more opportunities you will have to achieve your goals. It is believed that you inevitably attract into your life the people and circumstances in harmony with your dominant thoughts. So what kind of person are you?
  • Get involved in what is happening in your community. This way you get to know more people. Look for opportunities where you can give a helping hand.
  • Be generous and helpful in all you do. Look for ways to do things for others without counting cost or returns.
  • Join Organizations and Associations that have the kind of people you want to associate with.
  • Learn to refer business to others. Remember the law that says do unto others what you would want them to do to you.

Note that at virtually every point in your life, someone is standing there to either help you or hinder you. Successful people (of which you want to be) make a habit of building and maintaining a network of high – quality relationships throughout their lives. Why don’t you start building and maintaining such a network?

Now is the time to go and TAKE the required ACTION. Check your friends and begin to TAKE ACTION TODAY by eliminating the unnecessary ones. As Baron de Rothschild said, make no useless acquaintances!

As always, we remain deeply committed to your success,

ChrisVidal

What is The Secret in The Richest Man In Babylon?

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The Richest Man in Babylon is a book written in the 1920s by George S. Clason which has been and is still being read around the globe. It has been rewritten by Fred Siegel as The Richest Man in Babylon for Today. It was the book that opened our eyes and caused dramatic changes in our lives. It is said that over two million copies have been sold. Some people (like us) just read it in this 21st century and it has had tremendous impact in their lives while there are those who read it over twenty years ago and yet there is no visible change in their present situation in life. Why this difference?

As in every thing in life, for there to be a change there must be a reaction to something or someone. So what is that something in The Richest Man in Babylon that seems to work for some and yet remain inactive for others?

It is simple and it is its simplicity that causes it to be missed by many. The secret is to ensure that no matter what your situation is, you strive to put aside at least 10% of your income to invest in something that would yield more money. If however, you’ve read the book but have no means of livelihood it would mean you would have to start doing something that would bring income into your hands and then begin to set aside at least 10% of it to invest in other worthwhile ventures that would not involve you physically working to produce the increase desired. Today such worthwhile ventures would include investing in the stock markets, mutual funds, treasury bills etc.

Definitely The Richest Man in Babylon would not work for you if:

 

  • After reading the book, you make no attempts to get something doing that would bring income into your hands and pockets.
  • You do not make attempts to increase your earning potentials either from what you are doing or through multiple streams of income so that you can be able to save for investment purposes and your retirement.
  • You do not believe in delaying gratification and as a result you keep getting into debts to meet every one of your desires.
  • You do not believe that it is possible to live within the remaining portion of your income after removing the 10%.
  • You believe that giving the present economic conditions of your country and the many responsibilities you have, it would be impossible to achieve what the book is advocating.
  • You do not believe in spending money for your personal development like buying and reading books on financial literacy and investment and also attending seminars and workshops and trainings on financial literacy.
  • You believe in living in competition with your friends, peers, extended family members, neighbours etc.
  • You believe someone or unseen forces are against your financial progress and there is nothing you can do about it.
  • You strongly believe that it is God only that destines what any body will be in this life and so if you are poor, it means that is your destiny and there is absolutely nothing you can do about it so, why try?
  • You believe that since those who are wealthy were destined by God to be so, they should compulsorily share their wealth with those of you not destined to be wealthy.
  • You believe that it is sin to be wealthy.
  • You are simply lazy and unwilling to face the challenges of life.
  • You believe that being a devout Christian, you should have nothing to do with anything that has to do with Babylon since Babylon is said to be a symbol of sin in the Bible.

There is great truth in The Richest Man in Babylon and as we stated earlier, it was after reading the book that we took the recommended steps which positively turned our financial situation around. All it takes is applying the principle and you would be amazed at how simply putting aside a little and sending it to work for you while disciplining yourself to live within the remaining portion of your income and staying out of debts can work magic for you. You can also order for our e-books: AFTER GOD ME! and THE ANT AND ME which deal extensively on these principles by clicking here.

TAKE ACTION today and come and share with us the changes you notice.

We remain deeply committed to your success,

chrisvidal

Health is an Important Component of Wealth

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Being in good health is a vital component of wealth. Just think of it this way, you have all the money in the world but in a poor state of health so how do you enjoy the money? Yet many are not conscious of this as their actions show that they are not mindful of their health.


ADVANTAGES OF STAYING IN GOOD HEALTH.

A lot of people have habits that do not enhance their health. Look at the following:


Some take very little water everyday. Our bodies consist of about 90% of water. Start your day with a drink of at least 1 litre of water. Do not drink water during meals. Wait for at least 30mins after eating. Avoid drinking cold water immediately after your meal. Drink warm water instead. Drink at least 2.5 litres of water throughout the day.

Avoiding taking large amounts of sugar in your tea or beverage. A lot of sugar intake can cause diabetes in the long run. If you have history of diabetes in your family, start early by reducing or having nothing to do with sugar. Vidal has such a history and he takes his tea, coffee, beverage or pap without a drop of sugar. This may not be a very tasty experience but it saves you some problems in the future. Some even take coke at every meal. Research has shown that each bottle of coke has 10 teaspoons of sugar which is 100% of your recommended daily intake. You can imagine what happens with 3 bottles every day.

Reduce your salt intake. Too much of it may not be too good especially if you are prone to hypertension.


Do some exercise daily. Instead of driving all the time, walk a little more especially when where you are going to is not a great distance.


Make sure every meal is balanced which is not as expensive as many think. Instead of eating plain rice or yam porridge, add a lot of vegetables like spinach or ugu. Have more of proteins and little portions of complex carbohydrates; this would mean taking little pounded yam, amala, semovita and eba and plenty of soup instead. Take maximum advantage of fruits and vegetables when they are in season.


Watch your cholesterol level. Limit your fat intake to only what’s necessary for adequate flavour. If you are above forty, think more of eating lean meat like chicken without the skin and fish instead of red meat like beef.


If you already have health problems, discipline yourself to obey Doctor’s instructions on what to eat and those to avoid.


Teach your children good health habits. What do you buy for them as treats? Is it chocolates, sweets, ice creams etc? Why don’t you try fruits especially those they love like nuts, salads, milk drinks e.t.c.. This would teach them early in life what type of edibles to consume.


We also recommend that you take a multi-vitamin each day to ensure you are getting all the vitamins and minerals your body needs.

Keep to your body weight. It would do you a lot of good because overweight causes some other health problems.

Remember HIV/AIDS and remain faithful to your partner.

To truly be wealthy and enjoy life, strive to stay healthy. Remember that to succeed in anything you must take action and remain disciplined.

You deserve to enjoy life so take action today and start looking after yourself.

We remain deeply committed to your success,

ChrisVidal.

Why Do People Work Real Hard and Yet Remain Poor?

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There are a lot of people that work real hard and yet remain poor. Some years back we engaged in different types of businesses in addition to our professional practice to increase our income. We have at various times gone into restaurant business, land agency, buying and selling second hand clothing, making and selling chin-chin ( a snack), buying grains when in season and selling when out of season etc. We could not have been described as being lazy since we were always up and about doing every thing legitimate to become wealthy but yet there was no drastic, visible change in our lives. Alas, we realized that hard work on its own can never make anyone wealthy. We realized that for hard work to take you out of poverty, you also need to do the following:

  • Change your belief system: What you believe goes a long way in shaping who you are. If you believe that not every one can be wealthy of course you would accept it particularly if you are not wealthy. Do you believe you can only be wealthy if God says so? If you do, you would accept your poor situation to mean God has not counted you worthy to be among those to be wealthy. If you believe that having a lot of money is bad or can lead you to sin, in your subconscious you would not want to have a lot of money. So ask yourself what your beliefs are in respect of money or wealth. If they are negative, no matter the hard work you do, you are likely to remain where you are.
  • Have habits that are compatible with creating wealth: Do you buy on impulse? Such a habit makes you waste money on unneeded items. Do you have the habit of taking a coke with every meal or a bottle of beer every day? Well if you are still struggling to make money and you have this habit then know that you are spending N54,000 every year to keep this habit which if invested could yield you hundreds of thousands of Naira in a few years. So, which damaging habits do you have? List them and start working on getting rid of them if you want your hard work to make any positive impact in your life.
  • Pay yourself: From all the money you make from your hard work or salary, do you really pay yourself? Paying yourself means regularly and consistently setting aside a part of your income for investment purposes. A minimum of 10% of your income is recommended. This money is not for the rainy day. It is for investment purposes only.
  • Send your money to work for you: For hard work to yield wealth, you must send the money you pay yourself to work for you. How? You invest the money in money yielding activities. Read our last post on: Must I Have a Multiple Stream of Income To Succeed in Life?
  • Delay gratification: Avoid the temptation to satisfy your every wish and desire today. Delay them so that you could have much more fun later. Why buy a brand new car today just because for the first time in your life you made Four Million Naira? Why not send that money to work for you first and when it has given birth to several children and grand children, you can not only buy as many new cars as you desire but live like the King you’ve always desired to live like?

Start applying the above principles as you work hard and see yourself on the path to creating real wealth.

We remain deeply committed to your success,

chrisvidal

Must I have a Multiple Stream of Income to Succeed in Life?

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According to Brian Tracy everyone wants to be happy, healthy, popular, prosperous, and successful in whatever they do, but the only way for you to achieve and enjoy all that is possible for you is to create your own future. And one sure way of creating that future is by having a multiple stream of income in your life. Your life is too precious to be left to chance.

Everyone wants to double their income but the real issue is how fast you can do that given the rate of inflation. So you need to step on the accelerator and that again is by having a multiple stream of income. Multiple streams of income is the secret of unimaginable wealth. You need to make money from more than one source. Even God designed things in such a way that we should have at least 4 sources of income. With multiple streams of income, your likelihood of success in life is improved by 100%. It is therefore imperative that you map out a concrete plan of action on how you intend to increase your sources of income.

We agree with Brian Tracy completely that there is a direct relationship between the number of different things you attempt and your likelihood of eventual success. If you want to achieve success in any field, and you have clear, written plans that you follow and work on each day, you are much more likely to attain your goals.

There are different dimensions of income such as:

  • Earned income: This is where a lot of people are. You get paid only when you work; if you do not work you get no income. A good example of this is salaried employment or even a contract job. Relying on this source of income alone is not good enough. Why? Have you even stopped to think what would happen if you become incapacitated or are even too old to work any more? Some might say, well I would get a pension or gratuity. How big is your pension? Would you be able to maintain your current standard of living on it or even have a better one?
  • Passive income: Here your income comes as a result of labouring once. For instance if you labour to build a house for rental purpose, you are done with it but keep collecting your rent as long as that house remains standing. The same goes for intellectual property such as writing a book or recording an album etc. You do that once and it becomes your source of income for life.
  • Portfolio income: This is the most interesting type of income generation where you send your money to work for you without you doing any part of the labour. Example is investing in stocks or shares and real estate.

To become wealthy you must derive your income from all of these sources. If you so much believe in salary mentality please note that your boss or employer can never make you wealthy. Your job, employer and government are only the resource you use to create your own future.

Strategies To Having a Multiple Stream of Income.

  • Have a primary source of income which would be your main source of income. This should be in an area of what you principally love doing. This must be anchored on what you love to do best, your passion, gifts and talent. So, what do you love doing? What one thing do people tell you, you do best or you even know that you do best? Focus on that because that is what you should make your dominant source of income.That should be the main thing you should be concentrating on. It is from here you would get your income to get into other streams of income by applying the principles in our e-book After God, Me! It teaches you how to save and branch out to other streams of income. To know more about the book, click here.
  • Use financial intelligence to diversify: After finding your dominant source of income take a second look at it and see other things you can do that are related to it that can get you more money. For instance if you are a home management teacher which is what you have passion for, you can decide to write recipes for new food you have made and people have enjoyed. These little books you can sell at give away prices. You can even start a catering school to teach others how to cook. You are a tailor? You could also open a small shop where you sell sewing accessories and even start a school teaching others how to sew. You could create your own designs, put them in book form and sell. You may even have a hobby that could make you money. Hope you have gotten the message.
  • Have an investment mentality. As you begin to get income from the above, start investing in shares. From your profits in the stock market you then begin to acquire lands and properties.

In starting your dominant stream of income especially when it requires setting up something of your own, do not start big. Start small but dream big. Start with what you have and from where you are and it would amaze you the opportunities that would begin to open up before you. Do not forget your God, go to him in prayer and he would direct you.

Is There A Formula To Success In Life?

Wealth Tips 1 Comment »

In our opinion yes, there is a formula. In the course of our journey to discover why some succeed in life and others fail, we discovered that there are several ingredients to succeeding in life but two stand out like sore thumbs. The funny thing is that these two ingredients are quite simple and because of this, they are often overlooked since most people who want to succeed tend to look for complicated ways of doing so. These two simple ingredients are what we call personal development and taking action. These are two essential routes that successful people follow but which many out there fail to find. Now let us examine these two simple ingredients a little more.

1. Personal Development.

If you truly want to get out of poverty and succeed in life, this is a very important thing to invest in. You agree with us that acquisition of sound knowledge of any subject you want to dabble into is a must if you want to excel at it. But before we go far into that, you need to ask yourself a basic question. Who am I? It is said that as a man thinketh so he is. So, it means your thinking determines to a large extent who you are today.

Lets take this simple example, most Africans think male children are more important than females. But as a person, how do you think? How will your thinking affect your success in life? Let’s say you are married and your first four children are females. Because of your thinking, (about the importance of the almighty male child), you decide to have more children or even marry another wife to get a male child. Soon you have much more children than you can adequately cater for. Meanwhile, you are just a level 8, 10 or even 14 or 15 officer and being financially illiterate (forgive our use of this terminology) you have no other source of income except your salary which is barely or even not enough for you. Where has your thinking landed you? Solidly in the land of squalor and poverty! How do you then avoid falling into this trap?

It starts with changing your thinking and your priorities. You must determine to break away from the traditional way of thinking and doing things. To think differently, you must suffuse your mind with positive things particularly in the face of modern day realities. The way you can achieve this is by your determination to develop your self beyond what you have learnt in a conventional tertiary institution. You must be ready and willing to change your thought pattern. Charles Darwin said “It is not the strongest of species that survives, or the most intelligent, but the one most responsive to change. Are you willing to change?

You can achieve this feat through the following means:

  • Acquiring knowledge through reading the right kind of books. You will agree with us that books are a veritable source of knowledge. Charlie Jones said “You are the same today as you are going to be in five years time except for two things: the people with whom you associate and the books you read Of course, knowledge becomes much more useful and powerful when applied. It was after reading George Clason’sThe Richest Man In Babylon’ that propelled us to start our journey to success. After reading this book, we wept over our ignorance of true sustainable wealth creation principles and what that ignorance had cost us. We thought back on the kind of resources that over the years had passed through our hands and how we had grossly misapplied them. We thereafter, sat down and decided what we wanted in the remaining life we have and started mapping out the strategies we needed to put in place in other to achieve them before quitting planet earth – but it all started from reading and reading the right kind of book!
    One of the strategies we adopted was to deny ourselves some luxuries and even some necessities in other to invest in the right kind of tools that would thoroughly equip us for what we knew lay ahead of us. We bought and read the right kinds of books needed for our purpose. You don’t read architecture books if your aim is to be a medical doctor. You read medical books! Neither do you read engineering books if you want to be a Lawyer, you read Law books! So, you must invest in the right kinds of books. We can now beat our chests and proudly say that we have moved from being spendthrifts to wise investors. It is clear that we cannot overemphasise the importance of personal development through reading and once again, reading the right kinds of books.

Besides reading, you also need to:

  • Listen to audio & video tapes, CDs, VCDs, DVDs e.t.c. on successful people. Get to know what they did to become successful. Make these your bosom friends. Instead of spending your hard earned resources buying the kind of tapes, CDs or other things that do not add a single value to your life, invest in any of the above and listen to them regularly. Use every spare time you have to listen to success stories. While you are taking your shower, having your meal, driving e.t.c. slot in a CD and listen. You will ultimately become motivated to be successful and you will be successful if you are willing to pay the price.

  • Attend seminars, workshops and lectures even if they are paid ones. You know that the quality of a free product can hardly be the same as a paid one. We have spent thousands of Naira attending seminars and workshops mostly in Lagos. Apart from the huge expenses, we have braved the attendant risks criss-crossing the highways and our air space. Why? Because we knew what we wanted to be and do and we were determined to pay the price of getting properly equipped in other to successfully achieve our goals. How desperately do you want to succeed? Are you passionate enough about your situation that you want a positive legitimate change without further delay? How strong is your desire for a better life? Are you ready and willing to get out of your comfort zone and pay the necessary price?
  • Spend quality time with SUCCESSFUL PEOPLE. If you truly want to be successful, you need to take a second look at the kind of people in whose company you are regularly found. Are they successful people who will add value to your life? Or are they people just managing to survive? Are they go-getters who are ready to thread where the angels dread or are they people who sit over beer with melancholic resignation bemoaning their ill luck and blaming the government for all their misfortunes? Are they people who believe that every man has a destiny and since you can not rise above your supposed destiny why even try? Why would you believe that it is your destiny to be poor? Such belief is a lazy man’s apology! Destiny is by choice and not by chance! What is your choice? To pass through this world as a laughing stock or a laughing colossus? The choice is strictly yours!

Change your friends if need be! Remember the saying: tell me your friends and I will tell you who you are. It is still a valid saying till date. At this stage in your life when you want to create sustainable wealth for the days when you can no longer work, you have no business being in the company of people whose major passion is drinking, carousing and chasing anything in skirts (or trousers as the case may be). Nor do you have any business with people who stay glued to a television set watching home movies or sports like football, wrestling etc (Remember those guys are busy earning a solid living while you are wasting your life away cheering them to their fat bank accounts). Don’t get us wrong. We are not saying you should not unwind when it is necessary. But that should be the exception and not the rule. Know that a few minutes spent in the company of successful people could open a whole new world of opportunities to you. Andrew Croft said “Never be afraid to associate with the ‘greats’. They will make you great by association…Find the best people in the world and then go after them”. John C. Maxwell said “If you want to unlock your hidden potential, spend your time with people who will speed you up. Find somebody who thinks faster, runs faster, aims higher. Those are the people who will lift you up”. You would be surprised to see that a lot of successful people are willing to share their success stories with you but dare you ask?

  • · Have a mentor. Yes, a financial mentor. Should be a successful person with integrity whom you trust for intelligent and sound financial advice.

2. Taking Action.

This is what we call the crème de-la-crème of becoming a success! What distinguishes a successful person from a failure is the ability to translate any knowledge acquired into action. Successful people spend time and money to acquire knowledge but most importantly they apply the knowledge acquired. Acquiring knowledge is the first step, it is power but when you apply the acquired knowledge to achieve your goals, it becomes super power.

Knowledge unapplied leads to poverty. And that is why a lot of apparently well read people today struggle to make ends meet. They know all the theory but only a few translate their theoretical knowledge to real on-hands practice. The first key above helps you to know what actions to take to succeed; the second key demands you actually take the step. With personal development, you begin to see the need to set goals and have a financial plan.

Do you at the beginning of each year sit down to make and write a personal and family budget? This is very important and that is why governments and practically any viable corporate organization the world over do it at the beginning of each year. But alas very few of us do same in our personal lives. From drawing up your family budget, you see the need to strive to keep what is referred to as the 70/30 plan. A lot of people may wonder how they can survive on only 70% of their income when it is barely or not even enough for them. You can find this out by obtaining a copy of our e-book After God Me.

In taking action, you must be focused and organized. You must create a clear vision and set goals for yourself for both the long term and short term and you must begin to act on your goals NOW. Do not procrastinate, do not wait till tomorrow! It is said that procrastination is the No. I enemy of success. So, you must take action now!

There needs to be a hunger, a fire inside you which will fuel your passion to achieve the goals you have set. You must not be content with where you are now. You must have financial discipline. It is not spending carelessly but living within your budget. It is knowing what is absolutely necessary and going for it even if it’s against all odds. It is being persistent and innovative. It is doing what you have to do today and not waiting till tomorrow. In summary, It is said that knowledge is the theoretical paradigm, the what to do and the why. Skill is the how to do. And desire is the motivation, the want to do. To truly be successful, you need all three.

At this point, it is pertinent to state categorically that there is no short cut to genuine success. Anybody who tells you otherwise is deceiving you. But you don’t have to toil all your life to succeed, you just need to work hard enough and smart enough. Ebele Toni-Uche said “all great achievements have sprung from dreams, imaginations and fantasies but their accomplishment are from efforts, hardwork and self application.” Always remember that there would be obstacles which could come from relations, friends, associates; even your immediate family. But as Vidal says “obstacles are not meant to be stopping stones but stepping stones.

What are you today? What do you want to be 10 years from now? When do you want to retire? After retiring, what kind of life do you want to live? Do you want to be able to pick your wife or husband and take a trip to the Bahamas or any part of the world you so desire when you so desire? To be able to do this, you must be willing to sacrifice what you are today for what you want to be tomorrow. Postpone the fleeting pleasures of today for the lasting comfort of tomorrow. John Maxwell said “To reach your potential, you must give up at any moment all that you are in other to receive what you want to become… Many people want to hang on to what they are and at the same time be all they can be” This is not truly possible. Before you reap, you must sow and remember you can only reap what you sow. If you sow momentary pleasure and laziness today, you reap hunger, poverty and want tomorrow.

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