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6. Define what true wealth means for you.
In the dictionary, wealth is defined as “a large amount of money and possessions.” However,
when you ask someone who is truly wealthy, you get a completely different answer.
As shown in “Make Money, Live Wealthy,” the 75 entrepreneurs that were interviewed most
often shared words like freedom, purpose, family, health, experiences and other things that mean
much more than just money.
Money is an important tool that makes all of these other things much easier, but it shouldn’t
necessarily be the goal in and of itself. Realize this and you will ultimately create your dream
life much sooner.
7. Automate your money.
The key with your finances is to make it as easy as possible on yourself. The best way to do
this is to automate your finances as much as possible. What this means is that as soon as
money comes in, it is dispersed to your other accounts automatically.
For instance, you can set up your finances so that money is taken straight from your paycheck
into a retirement investment account, or from your checking account to pay off fixed bills like
your internet and cable. The less you can worry about moving your money around and the
more you can focus on optimizing it, the better off you’ll be.
The key reason why this works is not only to free up time, but it helps prevent us from
wasting money. If we see extra money in our account, we’ll find a way to spend it and then
won’t be left with much if any money to invest in ourselves and our future. Automation helps
keep our priorities in line and takes the emotions out of it.
8. Add another income stream.
One thing that I learned over and over again from the wealthy this year is that they never
rely on one income stream. They have numerous sources, which protect them from changes in
the economy and also add up to the greatest numbers.
If you want to make 2015 your most lucrative year yet, your best bet is likely to add another
source of income.
9. Focus on passive and residual income.
There is only so much time in the day, so it’s hard to build wealth quickly when you’re
trading your time for money. Instead, the wealthy focus on building income streams where they
can get paid over and over again for their work by putting their business or money to work
for them.
Examples of this include the investing, owning real estate, running an online business, and
writing a book. If you’re going to do the work, you might as well get paid over and over
again for your efforts. Work hard, but also work smart, and you’ll much sooner find the
freedom you dream of

To make 2015 your most lucrative year yet, you may have to do some things differently than
what you’ve done in the past. So,here are 10 action items that will definitely help you in
achieving your financial goals and create wealth in the long run. Action items that can put you
ahead regardless of what happens with the economy in the coming year and beyond:

juz take you time an read it step by step

1. Become your own CFO (Chief Financial Officer)
You can’t fix what you don’t know, so the first step is becoming completely aware of your
finances and where your money is going.
As soon as you start to understand your current situation in detail, you will be able to
identify leaks
and simple solutions that will help get you on your way.
Nobody cares more about your finances than you do (not even a financial adviser), so it is on
you to take control of your financial future and direct it to where you want to go.
2. Go on a diet.
I’m not talking about what you eat. Identify one expense that isn’t helping you achieve your
goals, and cut it out for 30 days.
A simple expense to choose is cable television. Try a TV (or other guilty pleasure) diet for 30
days, and use that time and money on something more beneficial. I’m sure you’ll survive
without it just fine.
3. Be selfish.
When you get on an airplane, what do they tell you during the safety instructions? “Put your
own mask on first, and then help the person beside you.”
It should be the same way with our time and our finances. Be selfish and take care of
yourself first, and then you can have more flexibility to take care of others. The problem is
that so many of us put others first and then aren’t able to help ourselves.
4. Be selfless.
Although you want to be selfish with your time and money at first, you also want to be
selfless with your attitude. The wealthiest entrepreneurs I know give, give, give, and focus on
helping others. By doing so, more money shows up in return.
Focus on impact and income will result. Be willing to help others when you can.
5. Improve your credit score.
Credit is boring and I hate to talk about it, but it does make a difference. Think about it:
Most of life’s biggest expenses are purchased on credit. It’s important to start to take care of
it now because there is going to be a situation in the future where you’ll wish you had.
The way to improve your credit score again starts with awareness. Address those now and
you’ll save yourself many thousands in the future.


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It is no more news in the country that the ultimate mission of Buhari is to combat and eradicate the Kilimanjaro height of corruption. The issue of corruption has being a serious challenge faced by the nation for years back.
This same corruption is the strong rope that has kept drawing the nation backwards. Now, a political party with the notion of “change” has come on board to sweep away the corrupt floor with the political broom. This change mission is led by Buhari.
All nooks and crannies of the nation have entrusted all hope in Buhari by casting him their vote as the president. Even the kids outside there have memorized “Buhari’s change” rhyme which is an indication that the “Buhari’s change” rhyme is the song of the season. The International Communities also hope in the man; A man of the people (not that of Chinua Achebe o) it then suffices to say that Buhari is the Messiah of Nigeria.
It is a truism that change is inevitable to Nigeria as a nation. That corruption is a disease which should be cured lest it kills the country. President Buhari as we know is the chief fighter of corruption. Can he succeed in combating corruption? Can he, after the fight, win corruption and restore transparency?
Before giving answer to these salient questions it is noteworthy that appearance differs from reality. In the real fact the APC and Buhari, so to speak, appears to be an ”angelic” political party and personality respectively but we cannot conclude so quick that they are corruption free. It is also important to know that action speaks louder than voice; one should not take mere verbal expression as the fact rather one should have great believe in actions. So, it will be dangerous to believe in the flowery of the APC/Buhari’s words rather their deeds and actions.
Microscopically looking at the APC, it is crystal clear that it is a political party comprising past and present looters who are now professing to be “born-again”. APC then, can be said to be an association of past and present political criminals hiding under the shed of “change“. With this, one can see that the APC is only showing to be sanctimonious and cajoling the good people of Nigeria at the expense of national development. Having known that the APC is formed and sponsored by past and present leaders of the country that are not with ”clean hands” (though, there are transparent ones also, but are very scanty) we can then continue with Buhari and ”his” corruption crusade.
Without much imagination, it is apparent that Buhari is a product of the APC. He is the choice of the polluted party. If the same man from the midst of looters is the one battling corruption, he should first of all, fight the ones in his party. It is an indisputable fact that APC has some members that have swallowed the public funds, leaving the citizen wallow in abject poverty. Buhari should ”jail” them quickly before ” jailing” others. If he decides not to probe them, in the name of party loyalty, he is not fighting corruption, he is only promoting corruption. Charity, they say, begins at home. So probing should also begin at Buhari’s political home. Frankly speaking, it will not be easy for Buhari to fight his corrupt fellow in APC because many of them were his backbone during electioneering period. They have sponsored and supported the party so that their “sins” would be pardoned ; NO WAY! No sinner would go unpunished . If Buhari is then ready to fight those that have embezzled public funds from his party, it will be a leadership by example (APC, the ruling party).But it won’t be easy-peasy for him if and only if he is not ready to bite the fingers of those that fed him.
Fulfilling electoral promise is also an issue to be taken serious. “eni to ba paro ma jale; one who lies will surely steal”. Buhari made a thousand and one electoral promises which he may or can’t fulfill. If he has made the promise to do something and he won’t be able to fulfill it, which he knows, then he may not be able to fight corruption. If a promise is made to lure people into voting, knowing that you can’t fulfill It, definitely such a person that made the promise is a barefaced liar. Denial of promises made during election and some statement of relevance, will amount to becoming a pathological liar. If the truth of these lies are getting exposed, lies will be used to cover lies to protect integrity. And a liar is not worth combating corruption. A lying mouth will surely result to a stealing finger. Or is stealing not corruption?
So, if buhari is to successfully fight corruption, he should avoid unnecessary lies. Biblically, A sinful person(s) can never cast away demons. So, a team of corrupt men cannot cast away political demons. He can only successfully fight corruption if the above are well taken care of. I pray for his success.
Festus Ogun,
Writes from EverythingNaija

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