<![CDATA[SMART STEWARDS - Blog]]>Mon, 18 Dec 2017 00:51:50 -0800Weebly<![CDATA[Tip 15: Open  A Gratitude Jar for 2018( 18 Things You Should Do Before 2018)]]>Mon, 18 Dec 2017 06:44:01 GMThttp://smartstewards.com/blog/tip-15-open-a-gratitude-jar-for-2018-18-things-you-should-do-before-2018Hey Amazing,
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A most Blessed and Fabulous morning to you my dear friend.


This past one week has been one of my most amazing, yet challenging. I had a task to do and everything looked really twisted and complicated. But thanks be to God causes us to triumph...always, in Christ Jesus..Glory!

No matter what it is you are challenged with, there always will be a way out.  I can say that time and again, because many times in life;  I have found myself in the deepest parts of the ocean and Grace at each time floated me back to the top effortlessly .
Maintain your sense of gratitude, be full of joy, seek advice if possible and be full of prayers always- My Strategy!
Have a gratitude jar  in 2018 : Tip 15

A friend once shared with me how she opened a gratitude jar and how she would always drop a slip of paper into it each time God came through for her; small or big. I have watched her record so amazing testimonies in 2017. Wow! A Yoruba adage literally interprets thus " He that is thankful for yesterday's gift,is sure to get another"

Set apart a nice transparent jar and resolve to slipping in notes on every good thing you encounter on a daily basis. Toss your note into the jar. Anytime you feel discouraged, open your jar and draw strength from the miracles of the past. Be grateful always.

Shall we hold ourselves accountable for this? I think we should!

I have an amazing announcement to make and it'd come in my very next mail to you; I am so excited about it!

I love you and pray for a most fulfilling 2018 for you. 

Sola Adesakin
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<![CDATA[Tip 14: Create A  Vision Board( 18 Things You Should Do Before 2018)]]>Fri, 15 Dec 2017 07:35:34 GMThttp://smartstewards.com/blog/tip-14-create-a-vision-board-18-things-you-should-do-before-2018Congratulations to us!

We made the December half-month mark. Oh yes, it's something to be grateful for.

I trust your week has been fabulous!

We are almost done with the  Tips on 18  things we should do before 2018 and today, I share with you  Tip 14 -  "Create A Vision Board". ​ A vision board helps you put on paper what you are able to visualize in your mind and it reminds you of what you are set to achieve.

Oprah Winfrey  once said 'Create the highest, grandest vision possible for your life, because you become what you believe' . 
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In our Smart Summit Maiden Edition Magazine, Folakemi Odesola an amazing Vision Board Enthusiast and Vision Party convener shared with us  the power of vision boarding and I will share excerpts of her write-up below: ( You can get the Magazine HERE).

If this is your first time hearing about the Vision board, it’s just a pictorial representation of your Vision. Your Vision is a mental picture of who you want to be, what you want to achieve, where you want to go and what it will feel like when you get there. Your Vision Board shows you the transformed version of you and gets you started in your journey of transition into what you see. You simply paste pictures that represent who you want to be and without you knowing, you activate the principle of ‘what you see is who you become’. 

If a male child who sees his father beat his mother continuously has the potential of being a ‘wife beater’ or a female child who witnesses abuse can potentially subject herself to abuse, then a person who constantly gazes and thinks about his/her representation of success is a potential success. This is the power of the Vision Board.

The more you see pictures of success and the things you value the more you want to achieve it because your life travels in the path of your most dominant thoughts. This is not magic, I don’t believe in magic. I believe that what we see affects what we think about, what we think about affects our emotions and how we react to things, happenings and people around us has a great effect on how successful we become.

The first thing the Vision Board does which is very obvious at first gaze is that it distinguishes one person from another, we begin to realize that God made up differently and specially and so there’s no reason for us to begin to compete with ourselves, peer or not. We know this because no two Vision boards can ever look the same of carry exactly the same information the same way. This means that even if you have the same goals with someone else, your end Vision and the way you interpret is different. 

As a result of this you begin to feel confident, you can focus and pay attention to your own life and its direction. Your big dreams become less overwhelming and you begin to find solutions and help for your problems because you are thinking positive thoughts which breed positive actions. You begin to be accountable to yourself and you record results in the process.

The true power of the Vision board can only be experienced when the Vision is captured right and the right information is pasted on the board. This can only happen when you know who you are and what you truly, deeply desire for yourself and for the greater good of everyone else around you. .....


I am sure the excerpt above explains the importance of vision boards. There are many resources on the internet that can get you started already and of course, you can  get the full gist on vision boards and more in our magazine.

Have a great weekend and talk to you sometime soon!

So much love for you!

Sola Adesakin


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<![CDATA[Tip 13: Create An Emergency Fund Account( 18 Things You Should Do Before 2018)]]>Sun, 10 Dec 2017 08:00:00 GMThttp://smartstewards.com/blog/tip-13-create-an-emergency-fund-account-18-things-you-should-do-before-2018Picture
Hello Beautiful!

How are you holding up?

That time of the year where there's that unnecessary pressure to measure your goals versus achievements; good task! But never measure your success (or failure) only by what you achieved and did not achieve. The most important feat you have achieved this year is that those nostrils of yours still have breath in them and by the way, you didn't accomplish that yourself!

I had such a hectic but highly fulfilling   week. On Friday, I obtained a Certificate in Entrepreneurial Management from the Enterprise Development Center; a scholarship I got last year courtesy of World Bank and EDC. I have a very important story to share about how I won the scholarship and I'd do so with you soon.  Watch out for my post on it!

I was being driven on Third mainland Bridge a few years ago and all of a sudden, a tyre flung out of a car going in the opposite direction, bounced on the divider and then bounced on my bonnet  bringing the car to a halt right in the middle of the road! It looked like an action movie! It happened in split seconds and I couldn't but thank God for the calmness of the person driving me that day. He was a colleague who usually would hitch a ride home with me and that day, thankfully, he opted to drive.

That accident damaged the radiator of the car, and we had to get a towing vehicle to move the car to my house. We were grateful the windscreen wasn't broken, no car hit us from the rear and no injury of any sort was sustained! Phew! 

I just described an example of the many emergencies that spring up in life unannounced and unprepared for. I had set out for church when I left work and I wouldn't have predicted that my car would be towed home. Of course, money was expended in fixing it.

“My  experience was generally good until LATSMA towed my car and I paid #68,500 to get it out! Messed up plenty things on my budget and made me realise I need to take this emergency fund thing very serious oo”

“I had my car also towed twice; thank God for emergency funds but the 2nd time, I had less than the $2oo needed to get it out”

These lines above were two people’s financial report at a  review session in our inner circle a while ago and it just emphasizes the importance of having emergency funds. 

An emergency fund is literally funds for emergency situations. Life could be very uncertain and emergencies could spring up anytime: some unforeseen medicals, loss of a breadwinner, loss of job or any cash-depleting situation that could radically alter one' sway of life. Yes we pray against evil occurrences but when they do happen;  but they  shouldn’t spell financial frustration.

Literally, an Emergency fund is funds for emergency expenses. We all have such crop up from time to time. Someone said it is a “RELAX FUND” because when an Emergency spring up, you are relaxed knowing there's something to take care of it.

Dave Ramsey; my finance mentor suggests a minimum of $1,000  as  starter emergency Funds. He then goes on to suggest a fully funded emergency funds containing 6 months of your living expenses   ( in case you lose a job; this will help you hold forth till another comes).  The $1,000 starter emergency funds could be applicable to those living in the United Kingdom and Europe generally ie £1000 or €1000 because of their relatively stable currency but for my Smart Stewards in Nigeria, you know it’s child’s play to say you are keeping N1,000 as Emergency Funds. 

Plese note that :

-Emergency funds is different from your regular savings
-Should be spent strictly on emergencies ( rent , vacation are not emergencies)
-When you deplete your emergency funds on genuine emergencies, always replenish the account.

KEEP IT LIQUID(AS CASH) BUT IN A RELATIVELY INACCESSIBLE PLACE.


So what are your plans for the remaining days of the year?

By the way, I have an important announcement coming up soon. Do watch out for it.

I wish you a totally amazing week!

Sola Adesakin

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<![CDATA[Tip 12: Take Stock Of Your Connections/ Relationships and Make Appropriate Decisions]]>Mon, 04 Dec 2017 08:00:00 GMThttp://smartstewards.com/blog/tip-12-take-stock-of-your-connections-relationships-and-make-appropriate-decisions
Hello Wealthy!

I trust you had a restful weekend!

I am not really as ecstatic about public holidays or what you call Bank Holidays  as I used to be, because they come and are gone in a jiffy ..lol . Grateful all the same for a one day holiday opportunity this last Friday and for more family and rest time. 

So I got a few emails indicating that the picture for the 31-Day Monthly Challenge  I mentioned in my last Email was not clear enough. Please download a clearer version HERE . Daily, we put up a few lines explaining each day's exercise on the SmartStewards IG handle. You can follow our page to read up on specific daily instructions on the Money-Challenge. You can also follow my Sola Adesakin IG handle for daily tidbits on personal finance.

I have been  discussing "The 18 Things You Should Do Before 2018" for the past 5 weeks thereabout  and today's Tip  is 12 out of 18 already.  Apart from checking out the weekly gist on our Blog, You can get the full article and other interesting articles by getting a copy of our Smart Stewards Summit Magazine.

Take stock of your immediate contacts/connections and make appropriate decisions
 
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​“As you learn who you are, you can better surround yourself with friends who make you a better person, and that sometimes only happens when you disassemble old relationships”  Maggie Stiefvater

I have enjoyed the blessings of good friends and connections in 2017 more than any other year and I can go on and go about the benefits of having the right set of people working with you and vice-versa. 
Motivational speaker Jim Rohn famously said that we are the average of the five people we spend the most time with.  Take stock of people close to you and determine how profitable or perhaps how "unprofitable" each relationship is. Re-strategize, network more, attend events that will enhance your opportunities in 2018.

Do the needful!

Look forward to being in touch with you again before the weeks runs out..

Sola Adesakin


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<![CDATA[Tip 11: Review and Update your Resume(18 Things You Should Do Before 2018)]]>Fri, 01 Dec 2017 07:55:17 GMThttp://smartstewards.com/blog/tip-11-update-your-resume18-things-you-should-do-before-2018​Happy New Month of December!

I am sure you are as excited as I am for obvious reasons. Christmas is around the corner and it comes with that special feeling of so much love and gratitude.

If you think you have had a "bad" year so far, count your blessings and then bless the count. It'd make way for much more.

Today's tip is a quick but important one: Review and make the necessary changes to your Resume. Whether as an employee or business owner, a Resume according to Wikipedia is  "a document used by a person to present their backgrounds and skills".

 Ensure you update your working experiences and recent achievements in anticipation of the big things just ahead of you in 2018. A Resume is not only needed by those looking for a job; it is a description of who you are; a snapshot of where you have been.

Make sure you have a resume that adequately describes you per time. 

I wish you a fantastic month of December and lest I forget, At Smart Stewards, we embark on 30-Day Money Exercises 4 times a year. The final  exercise for 2017  starts today.
Daily, you have as shown on the calendar,  finance related instruction that aims at helping you improve your finances. 

Today's Exercise says : "Put some money in your piggy bank"

See the full calendar below and endeavour to be a part of it! ( You can email info@smartstewards.com if you need a better picture quality)

​I care about your financial success, 

Sola Adesakin
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<![CDATA[Tip 10: Sell unwanted Items( 18 Things You Should Do Before 2018)]]>Mon, 27 Nov 2017 07:46:24 GMThttp://smartstewards.com/blog/tip-10-sell-unwanted-items-18-things-you-should-do-before-2018
It's a new week already and I believe it's loaded with amazing opportunities.

A few weeks ago, I embarked on a de-cluttering exercise at home. I stumbled upon some new items I had bought about 7 years ago; stacked away in a bag and I felt so ashamed. Not that I hadn't decluttered in the last few years; I had kept this particular bag far away from reach. There were a lot of  items that had gone bad in the bag and they were things I could have given out also.

 A lot of times, we have stuffs around the house that we do not need or use. They do not only occupy space, they deprive us of the joy we could derive from giving them out or perhaps the cash proceeds we could get from them.

Yard sales is not a common exercise here in Nigeria, but I am aware that overseas, people put out their unwanted stuffs for sale frequently; especially when they are moving houses and it's usually a fun exercise! 
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​Sometimes you have to let things go, so there's room for better things to come into your life
-Awesome quote.

Less is more actually. When we declutter, we get a clean house, peace of mind, more space and all. 

​As the year runs to an end, endeavor to clean out your house, create space for better things coming in 2018 and enjoy more of God's blessings. 

See you sometime later in the week when I share with you Tip 11! Don't forget to share this tip and the previous ones with your friends.

​God's speed in all you do this week. 


Your Money Coach,

Sola Adesakin

PS: How have you been decluttering? I would like to read from you in the comment box.

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<![CDATA[Tip 9: Schedule a Visit To The Doctor For A Wellness Check( 18 Things You Should Do Before 2018)]]>Fri, 24 Nov 2017 06:51:04 GMThttp://smartstewards.com/blog/tip-9-schedule-a-visit-to-the-doctor-for-wellness-check-18-things-you-should-do-before-2018Picture

Thank God it's Friday and of course it's the famous #BlackFriday  when everybody is on the look out for 'em deals.

 My admonition today is simple. Warren Buffet says "If you buy what you don't need, soon you will sell the things you need".

Politely waka-pass those things that look attractive but you know you don't need. ​Don't steal from your future-self. If your hands are itching to spend, throw that money into an investment account and thank me later.

I hope you have been enjoying the Tips I have shared so far on " 18 Things You should Do Before 2018.
You can read up the earlier ones at Smart Stewards . So far, I have shared 8 Tips and today's is the 9th Tip. It's a very simple task which a lot of people shy away from. 

Schedule an End-Of-year Visit to the Doctor.....

 
“Take good care of your body,  it is the only place you have to live”- Jim Rohn.

Ensure you cross into the new year in a clean state of health.
Don’t be caught unawares by unpleasant doctors reports now or in the future. Ill-health is nobody's portion, but it is our responsibility to ensure we take good care of ourselves. You can run tests to determine your Blood sugar levels, Blood pressure etc. There are other things we need to frequently check also .  You can read up more on the list of comprehensive tests that exist HERE .

Take all necessary tests relating to or required of your age bracket. For example, Mammogram if you are over 40; (even though there are instances of people under 40 who have had breast cancer). Early detection of any anomaly in the body would always allow for quick intervention. 

It's about a month to Christmas, do well to read my post on 25 Things To make Your 2017 Christmas Memorable.

Wishing us all a fantastic weekend and yes lest I forget, Tomorrow; I will be coaching SME owners on the Accounting Side of their Business( as well as employees on their personal finance).
​ Stream 1 held last month and it was fantastic; this promises to be explosive.

​Please see banner below and endeavour to pass it on to your friends who may need it.

Thank you and talk again next week!

Your Money Coach,

Sola Adesakin
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<![CDATA[25 Things You Should Do To Make Your 2017 Christmas Memorable!]]>Wed, 22 Nov 2017 08:00:00 GMThttp://smartstewards.com/blog/25-things-you-should-do-to-make-your-2017-christmas-memorable
In a few days, it's going to be a month to Christmas!

The Christmas period is usually a time of so much joy and celebrations. It's that season of the year everyone looks forward to. However, more often than not; it's a also time when people are stressed the most financially; for obvious reasons. There are expectations from family, friends, colleagues and from every quarter.

Christmas can be celebrated memorably and without tears; if planned properly.

So i thought to share these  25 things you can do to make your  2017 Christmas memorable.

​1. Have a Grateful disposition all through the period ( and even after)for the gift of life.
No breath, No Christmas!

2. Please draw a Christmas budget for 2017.
How much do you have to spend and what would you be spending on?

3. Start to pick up items you may need during the Yuletide from now. Gifts, for cooking and all.

4. Ensure you pay a visit to an orphanage. Share the joy of Christmas with the less privilege. The memories will be with you for a long time.

5. Plan a girls (or boys )out with your friends. Two hours of gisting and fun will make a lot of difference.

6. Plan a special gift for your domestic help, nanny, driver ( those people who make life easier for you).

7. Learn and make a special dish( one you have never done before) for your family this Christmas.

8. Give yourself a special treat. You and you alone. A visit to the spa or eat out at a restaurant all by yourself. You deserve a special treat for all the hardwork this year.

9. Look out for a widow or orphan and reach out to them with something special for Christmas .

10. Organize a fun event for the children also. Take them out ; host a sleep over or just something they'd be glad about.

11. Save something aside from your 13th month salary , end of the year bonus or profit sharing. Lock it up in an investment Account!

12. Write an appreciation email or letter to at least 3 people who have made 2017 worthwhile for you.

13. Have at least one hour period of reflection over the events of 2017 ; the success, the misses, the experiences .

14. Engage in a community service alongside your neighbors and friends. It might be a gift sharing outreach to a community.

15. It's okay to buy yourself a gift to celebrate yourself.
Address it to YOU.

16. Engage in a good conversation with a few of your colleagues over lunch; during breaktime.
​Let sandwiches be on you.

17. Visit your parents if you still have both or either of them. With a good gift and have a great time with them. You can visit a parent-figure also.

18. Light candles in your home; even if it is for the first time.
Create a fantastic ambiance around your home. Candles make the house prettier.

19. Be deliberate about the purchase of your gifts. Draw a list and an amount you want to spend for each person.

20. Never baked before? Try your hands on baking. Take a cue from Youtube. Cupcakes, cookies, bread, buns, anything nice.

21. Attend a carol service. At least one! And sing a lot........

22. Organize for Santa to visit your house and deliver the gifts to your children. They will love it! 

23. Visit a family and or invite a family over to visit. Have a lovely time together.

24. Go to church, give a special offering and ensure to soak in and enjoy every moment. 

25. Be moderate and simple in all you do. Don't borrow to execute any of the things listed above,
​enjoy life within the limits of what you have!


Remember, the essence of this is for you to have a MEMORABLE Christmas celebration. 
Jesus is the reason for the season; it's about you too. Enjoy every moment!


I care ,

Sola Adesakin
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<![CDATA[Tip 8: Pick  A Mentor( 18 Things You Should Do before 2018)]]>Mon, 20 Nov 2017 07:30:01 GMThttp://smartstewards.com/blog/tip-8-pick-a-mentor-18-things-you-should-do-before-2018
Good Morning!


This past weekend has been one of the busiest in my life, I thank God for the grace to execute so many things at the same time. One of the highlights amongst many other interesting things was a quick trip to PortHarcourt on Saturday where I spoke at a Women Conference on the topic "The Woman and Her Purse". I promise to share the excerpts of my discussion with you sometime soon.

Hope you had a splendid weekend also!

Soit's about 6 weeks to the end of the year and we are getting into the festive period gradually.  I am almost certain a lot of us are making Christmas plans already (wide grin). Have you thought of any money making opportunities also? I challenge you to do so!

We have discussed 7 tips out of the 18 things (you should do before 2018) I promised to share and today's tip is simply straightforward- Pick a mentor. 

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If you have recently subscribed to our blog, kindly browse through our archives to read up on the earlier tips shared. 

A mentor empowers a person to see a possible future and believe it can be obtained  Shawn Hitchcock.

A while ago, when I just started out on the Smart Stewards Journey, My Spiritual  Mentor ; Pastor Nike Adeyemi sent a ,message to me very early on a Monday morning.  She was going to feature me on her Television show which airs around the globe and the recording was going to be the next morning.

She wanted me to discuss Financial Wisdom alongside with  her and the show was going to run for 4 weeks! That was my first time of being on such a recording; prior to then,  I was just starting out talking to people about their finances and I felt quite a bit incapable. But she assured me that she saw my capability and what I could do and believed so much in me!

That was a turning point for me! That encounter bolstered my confidence, opened up a lot more doors for me and since then, it's been a season of unending soaring.

Life is a journey, we are men on a tour and we need mentors to guide and show us the way. 

I know the word Mentoring has been overflogged, but it doesn't undermine the advantages of what mentoring entails. Mentors will share of their experiences and mistakes and it helps you avoid some of those things they went through. 

Wikipedia defines Mentoring as  "a relationship in which a more experienced or more knowledgeable person helps to guide a less experienced or less knowledgeable person. The mentor may be older or younger than the person being mentored, but he or she must have a certain area of expertise. It is a learning and development partnership between someone with vast experience and someone who wants to learn"

 This Wikipedia description of mentoring kind of describes mentoring well, but to some extent it is restrictive in the sense that practically speaking, you could have a mentor who you do not have easy access to. You learn from their books, messages and they impact you much even from afar.

For years, I fed on TD Jake's sermons like my life depended on it. I just enjoyed his way of teaching and would even watch his sermons online once I finished from church. Those sermons brought a shift in the way I reasoned and thought. I regarded him as my mentor even though I didn't have physical access to him. I met him 2 years ago in New York  and I told him how hugely he had impacted my life but of  course , that meeting was just within a few minutes . All I wanted was that handshake that would seal all I had been learning from him. (Smart Stewards started a week after that ).

Many other things were sped up for me. Well, not just because I met TD Jakes , I believe it was because I followed him and I deliberately had expectations for  that meeting for a transference of Grace. 

I believe one could have mentors in different capacities. Like a mentor in the finance field, in marriage   etc, whether directly or Indirectly but I am of the opinion that there should be that one person who has a direct impact on you in all areas and who you can reach out to. I however have learnt that access doesn't mean excess. I learn and follow them but I never make demands and I am careful not to abuse the relationship. 

It is possible to have Mentors in different areas; Financial Mentor, Spiritual Mentor Career Mentor etc.

Do well to identify someone who you'd like to be mentored by in 2018.

Enjoy your week ahead!

Sola Adesakin

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<![CDATA[Tip 7: Get Professional Financial Advice( 18 Things You Should Do Before 2018)]]>Mon, 13 Nov 2017 07:09:30 GMThttp://smartstewards.com/blog/tip-7-get-professional-financial-advice-18-things-you-should-do-before-2018
Happy Mon (ey) Day!

Trust you had a fabulous weekend.

The past few days (Up until yesternight) have been quite trying around where I live in Lagos Nigeria  as a result of power outage. In fairness, we were forewarned that the mega substation supplying our area needed to be overhauled, but we all took it with a pinch of salt!

Just super grateful light has been restored. 

As much as I teach on the importance of money; I have also realized that money doesn't have the capacity to solve man's problems if it's not properly channeled and managed. Money, Wisdom, Timeliness, Discretion all work well together to accentuate the beauty of money.  You can actually empower your money for it to empower your life. 

We have been discussing about the 18 things you should do before 2018 and if this is the first email you are receiving, I'd advise you read up the last few posts HERE.

My seventh tip is : Get A Financial advice/advisor and/or  join an accountability group ; depending one the severity of your financial issues or the weight of the financial goals you'd love to achieve.
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I have shared a few times how my qualifications and the plenty knowledge I had on financial matters couldn't help me attain financial freedom. I was a miserable  spendthrift and an unrepentant spender. 

My Finances were always out of shape; I was regularly in debt, My salary would not last beyond 3 days after receiving it,  I would draw down on my savings less than a week of keeping the money aside and I felt totally helpless!

I hit really bad times!

Circumstances knocked me into shape;  accountability and mentoring panel-beat me into the right mould. When it dawned on me I couldn't continue that way, I made a commitment to making a change and oh yes, things turned around for me. Coupled with the necessary knowledge and appropriate certifications, I embarked on that rewarding journey of helping and teaching people about managing their personal finances! The testimonials  have been overwhelming!
 
And personally for me, for the first time in my life, I was able to save and KEEP a 7-digit figure and I have been on a wealth growing spree since then!!

Accountability keeps you on your toes, helps you to align your actions with your goals. Whilst getting financial advice or hiring a financial advisor isn't a common practice around here in Nigeria,  a few people understand the advantages and leverage on it. One of the things that helped me in the past one or two years was to submit myself to an accountability partner with whom I shared my goals and evaluated them quarterly. 

On a daily basis, I get calls and messages from women, men who would love to maximize their finances, break loose from the hold of debt and live a financially fulfilling life. So far, I have consulted for loads of women on their personal and business finance; and I thought I could make it more affordable and accessible to a lot more people.
 
You can sign up to my 6 months Accountability Program and avail yourself the opportunity of being mentored and coached at a bespoke level for a period of 6 months.

Oh yes, according to Stephen Covey, Accountability breeds response-ability.

This is not for everyone, but for those who are really ready to take their journey to financial freedom a notch higher; those who would like to work towards and experience a change in their finances come 2018 and beyond. Those who would love to:
 
-Get their finances in order
 
-Pay off debts
 
-Grow wealth
 
-Learn how to increase their income base.
 
If you sign up for this program, you will have access to a few amongst many other things listed below:

  1. A customized Personal Financial Planning template
  2. Access to an online platform where you can download personal financial resources.
  3. Once a month Telephone/ Video call or Physical meeting with me( for a total of 6 months)
  4. Access to a Private Group where we will dissect the world of personal finances
  5. Practical sessions on how you can make money
  6. Free Access to at least 2 trainings I organize within the 6 months of your enrolment.  
 
 
Batches would run twice a year and your 6 months would start counting whenever you join. However, the first batch for 2018 would start in January. I can only accomodate a few people per time; hence NOW is the time to sign up if you'd be interested in the program.

Participation Fees is a one –time payment of N25,000 for the 6 months.

You can reply my email if you are interested and let’s sign you up for your  journey into financial bliss.

Now, Go Conquer this week and maximise your finances!

Smartly Yours, 

Sola Adesakin




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<![CDATA[Tip 6:Open An Investment Account( 18 Things You Should Do Before 2018)]]>Fri, 10 Nov 2017 12:22:57 GMThttp://smartstewards.com/blog/tip-6open-an-investment-account-18-things-you-should-do-before-2018
TGIF!

Friday Comes with an unquantifiable joy most times; because everyone gets to have time to rest and bond with their families over the next two days.

I however believe that everyday of the week should bear that kind of joy for everyone. Employees, business owners should have such  flexible working hours that avail them the opportunity of getting home in good time, have time for their family, recuperate from the day's activities and catch enough rest for the next day's work.
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​I tell people that when I start to employ on a big time basis, none of my employees would work for more than 6 hours daily. I don't even mind that they work in shifts! More often than not, people work effectively for 4/5 hours and the remaining hours are spent surfing and doing things that do not relate to the official business.

Flexible working hours will help employees work better and as well save the company administrative costs(on diesel) especially in the days of epileptic power supply!

Do you get? 

Pardon my ranting!I wish everyone could be bright-eyed, excited,  enthusiastic  and "relaxed" everyday of the week as they are on Fridays. 

So here is Tip 6 of things you should do before 2017 runs out.  (Please visit my last few posts for the first 5 ). 

Open An Investment Account

Gone are the days where the term Investment is an ambiguous word. It is simply putting your money aside( as a form of savings) and allowing it generate returns for you. Investments often yield higher interest rates than the regular savings account.

It should interest you to know that some banks and investment companies offer as high as 18% on Mutual Funds ( and other forms of investments) with as low as N5,000 capital.

The Federal Government Savings Bonds is also good form of Investments that you can benefit from around this time.  Minimum investment is N5,000( you can add to this on a monthly basis) and interest is paid quarterly. Duration of the bond is 2/3 years and interest rate is about 13/14%.

They have been issuing the bonds on a monthly basis since the beginning of 2017 and today November 10, 2017 is the last day of subscription for the November  series. Email me quickly if you would want to get more information on it today. I believe you can still partake of this month's edition.

Treasury Bills is another good way of investments. The advantage this has over other types of investment is that you have the option of receiving your interest on the same day you invest. Check  with your banker for more information on this.

​The above are investments you can do with minimal amounts . 

You can email me at : adesola@smartstewards.com if you need information on any of the things discussed above.

Please have for yourself a fantastic weekend!

Sola Adesakin

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<![CDATA[Tip5: Automate Your Savings( 18 Things You Should Do Before 2018)]]>Mon, 06 Nov 2017 10:24:52 GMThttp://smartstewards.com/blog/tip5-automate-your-savings-18-things-you-should-do-before-2018Dear Friend,
 
I trust you had a fantastic weekend, and even if it was a rough one,  I encourage you to keep your face towards the sunshine and the shadows will fall behind!( Walt Whitman)

So the past few days have been a bit financially inundating for me I won’t lie. Very unusual, but unlike the past when I’d fret and get moody over money matters; I realized I have been at peace, contented and really excited.  Hmmmn, Things have really changed. 
 

Picture


When I was “broke” in the past, many thoughts would run through my mind, I’d complain and beat myself over my money decisions, I’d wonder if it was worthwhile making attempts at making more money and just conclude personal financial management was impossible.......


 But this season, with so many expenses ahead of me and with some heavy  family spending to do, I realized that I have been at peace, I have had no cause to be moody and I have been generally upbeat that God has got this covered!

It’s a huge paradigm shift, I have cultivated the habit of savings meticulously and my savings have indeed been a mood lifter and morale booster. I may not have too much liquid cash to play around with, but remembering that I have saved up money conscientiously just makes me proud that I am not a financial failure after all!


​Being Broke is not poor;  Broke is only a temporary state of finances.

And you know what? Just as I think of meeting the next need, money comes in in the most unimaginable way. I believe more than ever before that saving money keeps you pumped up psychologically.
 
We have been discussing “18 things You Should Do Before 2018”  and  Last week, I spoke on the importance of savings. Read it HERE .

​Today, I am taking the savings talk a little further.
 
Automate your savings. It’s not enough to have savings goals, there must be a coincise plan on how to go about it. Your savings goals must be SMART( Specific, Measurable, Attainable, Realisable and Time Bound.).
 
E.g: I would like to save N1m in 12 months. (The How, where and when is up to you to design.
 
One of the ways you can achieve your savings goal is by automating it.

  1. Sign a direct debit instruction with your banker such that once your salary hits, the amount is debited and sent straight to your savings account. Not a salary earner, then make up your mind to save up a certain sum from your every income.
  2. Did you know pension is an automated way of savings also? Your employer deducts the sum from your salary and sends to your pension fund administrator. It’s important everyone is signed up with one. They have arrangements for small business owners also.
  3. I am signed up to an automated savings plan that helps you save on a daily/weekly/monthly basis. Research what works best for you and sign up with the one you are most comfortable with.
Feel free to visit Bible Money Matters and read about  5 Painless ways of automating your savings! It's such an interesting read..

Please feel free to share ways you have been able to automate and build up your savings. 

I intent to send one more tip before the week runs out. We need to move fast so we can cover all the 18 tips! 
 ​
Sola Adesakin

Picture credit: Aliat Credit Union


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<![CDATA[Tip 4: Open And Maintain A Savings Account: (18 Things You Should do Before 2018)]]>Mon, 30 Oct 2017 06:06:30 GMThttp://smartstewards.com/blog/october-29th-2017Picture
Good Morning!

I trust you are maximizing the last few days in the month of October and getting ready for the last two months of 2017.

Over the last two weeks,  I have discussed the first three things we could and should do before the year runs out. Tip one was to Learn a New Skill , Tip two was to Draw Up a 12-Month Goals For 2018 and Tip Three was to Have a Capital acquisition Plan for 2018.

Today's Tip which is the 4th sounds a lot simple;  but in reality, a lot of people do not  always have a headway practicing it.

​OPEN AND MAINTAIN A SAVINGS ACCOUNT. 

A few years back, It was a struggle for me to save. I was earning very well, not married, had only a few commitments and yet, I couldn't make head or tail out of my finances. I would set some money aside as savings and in less than a week, I'd go withdraw it. I would live on IOU from the very first week after salary was paid till the end of the month. It was very frustrating and I concluded I needed deliverance regarding my personal finance.

Fast forward a few years, I hit some really bad times and then it dawned on me that I needed to change my attitude with regards to my finances.

There is treasure to be desired and oil in the dwelling of the wise; but a foolish man spendeth it up.
Proverbs 21:20


May I share something  with you?

Last year, I purposed that 2017 would be my year of savings and In spite of  my many personal and family commitments;  this year has been one in which I have saved most all my life. What I have saved through various means in these 10 months is much more than what I have saved in 10 years.  What has made the difference for me?  More income? Not exactly. My earnings haven't doubled, they haven't even increased by a quarter; in fact, I haven't even made as much!

So what changed? My mindset! My Mindset about money has changed over the years and that constantly pushes me to do more and to save better. 

​We are only custodians of whatever we have and we will surely give account on them one day!

A Japanese proverb says "If You save money, money will save you".

Nothing boosts your morale more than knowing that you have money saved aside to meet up with emergencies and obligations when they arise. It's important to always put money aside for now and for the future. 

What should you save?

At least 10% of your earnings/profit.

What should you save for?

You can have up to 7 savings goals.  Vacation, rent, school fees, purchase of property etc. Have a plan for your savings! My Financial organizer which you can buy HERE has a monthly savings tracker and has columns for about seven savings goals.

How do you save?

- Setting money aside in a savings account ( from a direct debit from your account)
-Thrift schemes a.k.a Ajo
-Signing up for automated savings ( I'd talk more about this next week).

I encourage you to start all over again before 2018 .

Open a new savings account if need be or limit access to any of the existing ones you have. Deactivate the ATM card or internet banking if it has jeopardized your savings goals. Initiate a direct deposit instruction to your bank and let them remove the money as soon as your salary hits.

Please feel free to share how you have been saving!


Sola Adesakin

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<![CDATA[Tip 3: Draw Up Your 2018 Capital Acquisition Plan(18 Things You Should Do before 2018)]]>Mon, 23 Oct 2017 06:55:26 GMThttp://smartstewards.com/blog/tip-3-draw-up-your-2018-capital-acquisition-plan18-things-you-should-do-before-2018 Picture
Hi Again Dear Friend,

Hope you had a very fantastic weekend. I did!

In my last two emails, I have discussed the first two things we could and should do before the year runs out. Tip one was to Learn a New Skill and Tip two was to Draw Up a 12-Month Goals For 2018.

The Third Thing I will be discussing is to "Have a Capital acquisition Plan for 2018".

More often than not, every one of us spends everyday; groceries, bills, utilities , fuel and a whole lot more. All these are expenses and most times, they are paid in arrears for things we have already consumed. 

 If I may ask; In 2017, Have you purchased as asset, or invested in anything that has the potential of generating more money for you either now or in the future in ? E.g Land and Property, Investments in Money Market Funds or Perhaps a Business.  Let me not bore you, Capital acquisitions are literally expenses that are major and on which you reap the rewards in the future. 

So what are some of the key projects you would love to do in 2018? What big items will you like to purchase and what investments would you like to embark on? Do you intend to Purchase a land, build a house, buy a car, relocate? Now is the time to start planning for it. Even if the resources are not yet available, have your list written out  and the provisions will be made available to you!

By the way, I realized it is exactly 70 days to the end of 2017 today! 

70 days more (including today)and 2017 will be over . These days could mark the best in a life time if we choose to make them count!

Start afresh
Save
Spend wisely 
Sort stuffs out
Sing
Serve good dishes
Say Positive things 
Stay Calm
Serenade yourself and your loved ones
Saturate your life with good things
Sell off what you don't need. .


Catch up with you sometime soon and remember to share this with your friends!

Sola Adesakin

Image Credit: Good Returns
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<![CDATA[Tip 2: Draw up Your 12-Month Goals for 2018 (18 Things You Should  Do Before 2018)]]>Thu, 19 Oct 2017 14:06:48 GMThttp://smartstewards.com/blog/18-things-you-should-do-in-2018-tip-2-draw-up-your-12-month-goals-for-2018Picture
Hi There,

How is it going with your finances?

In my last email, I started the series on "18 Things You should Do Before 2018". If you missed it, you can read the article Here .

In that article, I talked about the importance of learning a new skill(s) so you can expand your income base in the new year. I shared my personal experience along that line also. I have had a lot of amazing feedback and I am overly motivated to do more for myself by learning more skills! How about that?

And so, in my last email, I mentioned I would be sharing the 18 tips over 12 weeks and what that means is that you may get 2 emails in one week so we can cover all 18 tips before the year runs out.
​I hope that's fine!

And Tip 2 is here:

 Draw up  your 12-Month Goals   For 2018.

Denis Waitley says: 
Learn from the past, set vivid, detailed goals for the future, and live in the only moment of time over which you have any control: now." 

Year 2016 was such a year of amazement for me. Among several other goals, I set out with a goal of publishing a book per quarter. And even though I didn't achieve 4 (four)  books in all, I was able to publish 3 books in two (2) quarters. This was only because I started late.
I believe if  I had started early enough as planned , I would have accomplished my goal  on time and schedule. I am grateful nonetheless!


Goals provide direction and clarity for us in  life and it's amazing how we can surpass our expectations if we are committed to what we set out to do.  Accomplishing our goals gives us a sense of motivation and a sense of fulfillment. Overall, Goals give us a sense of purpose in life.

I have  started visualizing out my 2018 Q1 Goals and I am fine tuning them in my mind already. I trust God for some major financial acquisitions next year and planning ahead just helps me accomplish my tasks easily. I have started meditating on Books to write, Family plans, Ministry events, Savings plans and whatnot and I am excited already! I intend to put my plans  on my  2018 vision board soon .
​And yes, talking about vision boards, please watch out for my post on Vision-Boarding!

It's one of the 18 things you should do before 2018!


So what are those things you would love to achieve in 2018? 

NOW is the time to start planning.

I truly care about your financial progress!

Sola Adesakin

​​Photocredit: Google Images
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