3. Multiply Money: I am so happy to be sharing this because the effort of my previous article was rewarded by many people writing to me about how this idea have bring to their awareness about financial intelligence. I am so grateful to share this one too knowing it will still have the same impact, as Much as you develop interest, without self discipline you won't make progress. I only try to help you with self awareness about how to mind money, its now onto you to imbibe self discipline. Here we go: Money just like the grain of the field wants to multiply itself when deposited down into a soil of sound ideas. Money invested properly is money multipled. Let your money be your messenger, let it run errands for you and bring together all other monies without minding what currency as long as your idea is sound. Put Your Money Where Your Mouth is: Find out those things you can do better in, watch out for that business of your passion and invest in it. If you love good clothes and you are fashionable, why not open a fashion center or a beauty house with beauty accessories, or boutique, so that you don't end up looking good rather you sale good clothes and make nice selections and keep nice collections for your customers. if you like reading, why not open a library, a book shop or write a book. Put your money where your mouth is entails you do those things you love, sell your favorite food so that you will have a lot to tell a new eater convincing him or her to become a fan of the delicacy. Information is lord: Acquire informations on areas you want to venture into. Don't just dabble into things, there are best methods of carrying out virtually everything, strive for that best ways, it can put you ahead of the competition. Don't be stereotyped, look for new ways. Embrace strategies, pay your workers well, dont be a monster who bait workers to work hard by just paying them little to solve part of their needs and hold them slaves trying to work overtime to make up for the other needs. people tend to work well when they are happy, create a friendly environment. Be Good To People: people support anyone who are good to them, be honest, transparent, kind and punctual, these are good currencies for business, remember you are not there to do your customers a favour but they do you a favor by patronizing you, so serve them and serve them as if they are always right. They will bring referers to you. Smile, communicate, and apologise when you are wrong, remember the 5 magic words: am sorry, pardon, thank you, excuse me etc. Plan to retain your customers, strive to maintain them and work hard to meet their needs and wants in shortest time possible and they will bring their neighbours next time to patronize you

2. MANAGE MONEY:

in my last article I discussed about making money and various ways of making money. Now that you have made money you need to manage your money. So we can increase our savings to the proportion that we deem fit.

Keep some of the Cash for Yourself:
Yea, we will learn how to box some of the money, wealthy people don't spend all their income, and  At least paying yourself  30% of our income will do. It could be little for a start but remember a drop of water makes a mighty ocean. Paying yourself  is practically saving at least 30% of our income that must not be touched. Then plan a concrete budget around 50% making sure we still keep "help fund account" where we save 10% in case any of our siblings might need urgent help. Then 10% as miscellaneous account. To do this, a lot of discipline is going to be on the line.

keep A Budget:
We need a budget to start with but the  Budget must program our expenses so that it reserve some money to pay for our necessities, our enjoyments and to gratify our worthwhile desires without spending more than the 50% of our earnings. We must not pleasure away our money but keep to budgets.

Keep  Expenditure Down Even When Income is raising:
The best advice to becoming wealthy is to keep expenditures down even when our earning power increases. We are often tempted to show off our new class. If we normally buy at low cost super mart we would rather go for a higher priced shop. It doesn't mean you don't take care of yourself but keep it at the minimal happy James said, wealthy people's expenses don't raise as their income raises. As you earn your taste bud wants changes too. Instead of spend more rather save the reserve. People might disobey this and you will feel tempted to, in your best interest don't envy anyone, and don't compete with anyone, you may start what you can't finish and drain all your purse competing. Labels are good, D&G, Channel, Zara, Armani, Versace and Vuitton Louis are perfect but there satisfaction ends immediately you see many people wearing the same clothe with you as you go looking for another unpopular trend from a popular Label. Clothe to look good and not clothe to show off.

Know your self worth and not claim what you are not:

know exactly who you are and don't form to become something you are not for that could set you up to down fall, it will make you borrow to support the extra worth you added to yourself. Be exactly who you are and don't be what you are not.

Mind you  loans and Mortgage Have Interest:

plan for the future, avoid the loans, if you have borrowed money already, still strive to pay up in time for the interest rate may be raising but don't forget to pay yourself first. Many desire a house of their own then they go for mortgage, it could be tasking to service that. Rather watch your money grow, then multiply it and you can get a house of your choice.

Beware of manipulators:

There are people who are so good in creating holes in your pocket or purse because most times you make yourself more merciful than God,  they will manipulate you and collect all you have, they are those set of people who don't recharge their phones because your phone is recharged so they can use your airtime with you, the only way to minimize their electricity power bills is by recharging their laptops at your home. They borrow virtually everything and lend many things. They are those guys who buy spaghetti, fish and jam, yet keep looking for more money to buy chicken from you who only had rice and decided to safe for a rainy day. They borrow to add to their own expenses. All this guys do is Loot you and drain your pocket without you knowing it.

Don't Fall Into The Pit:

Kill all the temptations telling you to use the credit card, it could put you on a rat race at the long run. Spend according to what your budget says. Recharge cards are good , they get us calling but you have to budget that one too. It is a fire consuming money. And please rent houses you can cater for, remember you need to curtail your expenses to the minimal and house rents might be the drainer you didn't realize.

Pay Your Tithes' :

pay your tithes to a man of God, it is usually the one tenth of your income, for God to protect all your affairs of life.