Changing your bad money habits does not come easy, but it is also not a difficult task. One thing that is very important when it comes to changing your bad money habits and controlling your finance is, taking a firm decision, and maintaining self-discipline to follow through it.
This article contains some things you must consider if you want to be able to change your bad money habits.

Make a Decision
Changing your bad money habits would require you to first make a critical decision in your life whether you want to change your bad money habits or not. You cannot change your bad money habits without first resolving to do so.
Taking charge and controlling your finances will afford you the power to reshape your life positively. Making the resolve in your heart to change your bad money habits is the first step, but it does not end there. What is more important is your decision to stay committed and determined every single day.

How far down have you gone?

When it comes to money challenges, one problem that is very peculiar is the fact that the moment you start making financial mistakes, things begin to start piling up quickly. If you leave your financial mistakes for too long without attending to them, things may start going downhill.
How then do you get a clue as to how far down you have gone? Honestly, consider the following questions:
• Do you make a habit of paying your bills late?
• Have you pushed aside some basic financial expenses due to insufficient funds?
• Do you often spend more than your income allows?

Managing your Money

You do not have to start living below your means before you can start taking charge of your financial situations. You do not have to start giving up your daily cup of coffee before you can assume control over your finances. All that is required from you is the ability to master the art of self-control and postpone pleasure and focus on the more important things. You must understand the art of getting into good debts, rather than bad debts; and know how to take advantage of them.

Managing your Debt

The real culprit in your financial struggle is not debt. There is the good debt, and then there is the bad debt.
Good debt is the debt you incur in investing on assets, which in turn makes you some more money. Bad debt, on the other hand, takes money away from you. You spend bad debt on pleasurable things such as cars, and clothes; which do not necessarily make you more money in return. You must understand the difference between good debt and bad debt.
You do not have to start living below your means to take control of your finances; rather, you must seek to enlarge your means. This, you can do by acquiring assets that can sufficiently generate you more income, which will be able to cater for your needs.

Pay yourself
The idea behind this is, whatever money you receive from all your sources of income such as salary, gift, or tax refund; you must remove 30% for yourself. Whatever is left, share it between your savings account (as your rainy day fund), and your investment account.

You can start today, and make it a lifelong habit of changing your bad money habits.

http://jolakk..com.ng/2017/08/changing-your-bad-money-habits.html

Changing your bad money habits does not come easy, but it is also not a difficult task. One thing that is very important when it comes to changing your bad money habits and controlling your finance is, taking a firm decision, and maintaining self-discipline to follow through it.
This article contains some things you must consider if you want to be able to change your bad money habits.

Make a Decision
Changing your bad money habits would require you to first make a critical decision in your life whether you want to change your bad money habits or not. You cannot change your bad money habits without first resolving to do so.
Taking charge and controlling your finances will afford you the power to reshape your life positively. Making the resolve in your heart to change your bad money habits is the first step, but it does not end there. What is more important is your decision to stay committed and determined every single day.

How far down have you gone?

When it comes to money challenges, one problem that is very peculiar is the fact that the moment you start making financial mistakes, things begin to start piling up quickly. If you leave your financial mistakes for too long without attending to them, things may start going downhill.
How then do you get a clue as to how far down you have gone? Honestly, consider the following questions:
• Do you make a habit of paying your bills late?
• Have you pushed aside some basic financial expenses due to insufficient funds?
• Do you often spend more than your income allows?

Managing your Money

You do not have to start living below your means before you can start taking charge of your financial situations. You do not have to start giving up your daily cup of coffee before you can assume control over your finances. All that is required from you is the ability to master the art of self-control and postpone pleasure and focus on the more important things. You must understand the art of getting into good debts, rather than bad debts; and know how to take advantage of them.

Managing your Debt

The real culprit in your financial struggle is not debt. There is the good debt, and then there is the bad debt.
Good debt is the debt you incur in investing on assets, which in turn makes you some more money. Bad debt, on the other hand, takes money away from you. You spend bad debt on pleasurable things such as cars, and clothes; which do not necessarily make you more money in return. You must understand the difference between good debt and bad debt.
You do not have to start living below your means to take control of your finances; rather, you must seek to enlarge your means. This, you can do by acquiring assets that can sufficiently generate you more income, which will be able to cater for your needs.

Pay yourself
The idea behind this is, whatever money you receive from all your sources of income such as salary, gift, or tax refund; you must remove 30% for yourself. Whatever is left, share it between your savings account (as your rainy day fund), and your investment account.

You can start today, and make it a lifelong habit of changing your bad money habits.

http://jolakk..com.ng/2017/08/changing-your-bad-money-habits.html

Reviews needed, quote me if you have....

Singapore1:

Sky sport football channel on modbro

bro, I just downloaded this app and it seems to Good to be true. What are the hidden costs?

Just had a smooth transaction with NKAY. Very friendly and the transaction was done in less than 30 minutes at a very juicy rate. She is highly recommended

1. Save one-tenth of your earnings

There is one thing you can’t neglect if you are serious about becoming rich; SAVING. Create a habit of saving at least one-tenth of your earnings, and the rest can be for your expenditure. Most people complain that what they earn is too small for them to save out of. However, it will surprise you that it will only get harder once you start earning more, your responsibility or expenditure increases with increase in your income. So it is better you start cultivating the habit right from now. It is important to note that you will be tempted to take out of your saving, but only a strong-willed man attains success.

2. Control your expenditures

You are probably thinking of the new phone you want to buy, or you want to change your wardrobe. There is an important question you should ask yourself, can you do without these things or what would you have done if you didn’t have the money to purchase them. If you can live with without those things on your mind, then they are only desires and liabilities. Learn to live way below your income, so you could live way above your income later in life.

3. Invest your savings

The money you have been saving is not meant to rot. Successful people don’t only save; they let their savings earn them more money. Put your savings into work, and allow them to bear children. Let their children also bear children and you will be surprised at the rate they will multiply.

4. Desist from get-rich-quick investments

Protect your hard-earned money from avoidable risk. Be careful of investing your money in businesses that appear too good to be true. Conduct a proper research into the business you want to venture into and be familiar with its pros and cons. Seek advice from trustworthy individuals who have been successful in that line of business.

5. Own a home

Owning a home has a lot of benefits. Apart from saving you from unending rent, you also have the avenue to use your available land for something that could generate income or food, e.g. gardening. Put all your efforts into building your own house, and you will definitely increase your productivity.

6. Plan for the future

Your greatest legacy as an individual will be measured by how your family will fair when you are no longer around, or you have become too weak to work. Save for the future, invest in real estate or any other business that will always be there after you had gone to the great beyond.


Follow this steps, and you are on your way to becoming wealthy. Leave a comment below or share if this has been a blessing to you

https://jolakk..com.ng/2017/08/6-cures-for-poverty.html

Imagine starting out as a hustler, and you eventually earned up to five million Naira, you will feel fulfilled right? If your answer to this question is yes, then you might end up where most people who had no knowledge of how money works ended.
Here are six reasons why people go broke after your first millions

1. People who weren’t born rich have little knowledge about how to manage wealth
Most people who weren’t born into a wealthy family before becoming rich usually do not have the financial education to handle the pressure that comes with money. According to Robert Kiyosaki, “Money does not make you rich, financial education does.”

2. Money awakes a spirit in you that makes you feel like you are more intelligent than others
The saying that you cannot really determine who a person is until they are rich is true. You will start feeling like a super intelligent human after making some money which might lead you to make some disastrous financial decisions.

3. It becomes impossible to say no to people around you when they ask you to borrow them money
One major cause of financial breakdown is mostly in our inability to say No to ourselves and the people we love. Rich people often draw a clear line when it comes to money and family, though it often leads to a family feud.

4. People with money suddenly becomes investors without a prior financial education. [/b]
Money makes you feel like you are capable of almost anything. People around you will suddenly turn into special advisers and come up with different business ideas that they think you should invest in. If you are not careful enough, you might end up making a financial decision that would end your life.

[b]5. The fear of becoming broke takes over
The poor man’s mentality can suddenly take over, and you become afraid going back to being poor. According to psychologists, there is every probability that you would end up being poor again if you allow these thoughts take control of you.

6. They do not know the difference between assets and Liability.
People who suddenly become rich tend to spend their money on things that would eventually put them in debt. Instead of spending on assets that would generate more income, they spend on things that would make them appear rich.

Making money won't keep you rich, getting a financial education will. Ensure you get the right financial education to keep you in the forever rich zone.

Imagine starting out as a hustler, and you eventually earned up to five million Naira, you will feel fulfilled right? If your answer to this question is yes, then you might end up where most people who had no knowledge of how money works ended.
Here are six reasons why people go broke after your first millions

1. People who weren’t born rich have little knowledge about how to manage wealth
Most people who weren’t born into a wealthy family before becoming rich usually do not have the financial education to handle the pressure that comes with money. According to Robert Kiyosaki, “Money does not make you rich, financial education does.”

2. Money awakes a spirit in you that makes you feel like you are more intelligent than others
The saying that you cannot really determine who a person is until they are rich is true. You will start feeling like a super intelligent human after making some money which might lead you to make some disastrous financial decisions.

3. It becomes impossible to say no to people around you when they ask you to borrow them money
One major cause of financial breakdown is mostly in our inability to say No to ourselves and the people we love. Rich people often draw a clear line when it comes to money and family, though it often leads to a family feud.

4. People with money suddenly becomes investors without a prior financial education.
Money makes you feel like you are capable of almost anything. People around you will suddenly turn into special advisers and come up with different business ideas that they think you should invest in. If you are not careful enough, you might end up making a financial decision that would end your life.

5. The fear of becoming broke takes over
The poor man’s mentality can suddenly take over, and you become afraid going back to being poor. According to psychologists, there is every probability that you would end up being poor again if you allow these thoughts take control of you.

6. They do not know the difference between assets and Liability.
People who suddenly become rich tend to spend their money on things that would eventually put them in debt. Instead of spending on assets that would generate more income, they spend on things that would make them appear rich.

Making money won't keep you rich, getting a financial education will. Ensure you get the right financial education to keep you in the forever rich zone.

adedam23:



now, no reply for this?? lol, scammers everywhere

I don't blame you but for your information, I am presently working with 10 people I hired through this platform, but I don;t need to argue about that

yemzzy02:


I know the guy too. After you work, he will tell client didn't pay for the work. That's his usual style.

are you serious now?.... You must be a joker. In order to ensure people like you don't say I am a fraud, I purposely give a test of just 200 words. Tell me your name if you know I did something negative to you

SonyObsessed:
Scam! You always post this particular job title and i know few people who applied but never got a reply. What are your intentions dude?

If I don't reply your message, it's either your approach was not good enough for a writer or your grammatical construction is poor. Choose one

Reviews needed. Whatsapp........08167936132

We are in need PROFESSIONAL article writers.
If you are confident of yourself, Apply through kayodej4@gmail.com
Work from home
Payment: #1 per word

Note: Do not bother to apply again if you have applied before

Anyone who has reviews to sell should contact me.... +234 816 793 6132

Lucario007:


Is this for real? A naira per word? So 10'000 words would net me 10,000 naira?

YES

We are in need PROFESSIONAL article writers. If you are confident of yourself, Apply through kayodej4@gmail.com
Work from home
Payment: #1 per word

We are in need PROFESSIONAL article writers. If you are confident of yourself, Apply through kayodej4@gmail.com
Work from home
Payment: #1 per word

I need 5 Fiverr Review whatsapp 08167936132

need 5 Fiverr Review whatsapp 08167936132

I need 5 Fiverr Review whatsapp 08167936132

phetty:


Hello! I need reviews

08167936132

$376 available,highest bidder 08167936132

Fiver review available. Quote me for contact

JohnieWalker:
i need gig reviews from writing niche

shoot me a message on 08167936132

We are in need PROFESSIONAL article writers. If you are confident of yourself, Apply through kayodej4@gmail.com
Work from home
Payment: #1 per word

Itzmax:
Good morning house. I created 3 gigs this morning around 4 am.Now (11:42 am) ,I haven't gotten any offers?
What could be wrong?

Calm your self down

Fiverr exchange availablr 0 816 793 6132

Reviews for sale @1700, review exchange also needed whatsapp 0816 793 6132

jolak5:
Fiverr review exchange is available. $1700 08167936132

still selling

jolak5:
Fiverr review exchange is available @1700. 08167936132 still available

still selling

jolak5:
Fiverr review exchange is available @1700. 08167936132

still available

jolak5:
10 FIVERR REVIEWS FOR SALE. @1700, 08167936132

still available