1. A time for assessment on the journey so far, This will help you to discover your strengths and weaknesses
2. A heart of thanksgiving to God and man. A text message of N4 can bless a life. When people bless your life say "THANK YOU" it cost you nothing
3.It is a very wrong time to borrow, Dont close your account because you are travelling home for xmas, its just a day celebration. You can never say you are disciplined until you are under financial pressure.
4. Failure does not mean the end, it is part of success.
5. Check your contact list. There are people you dont need in your life at all
6. From the areas you have seen failure, develop those areas of your weakness through studies and prayer. Dont just pray about bad characters, Develop yourself.
7. Know when to say NO. No is never sweet to the receiver.
8. Never Give up on that dream
9.Seek for a new skill that will help you in years to come and add value to your life. Skills depends on where you are going in life.
10. Honor your parents in a great way before the end of the year. Buy something for them. Appreciate them.
11. God Partnership.

Nice one op

Thanks

Nice one

Yungwhy:
Nice one

thanks