I had to check my calendar again to be sure it's the 15th of January for real!
How have you been by the way? Pardon my manners....
Let me share with you a lesson I have learnt over the last two weeks.
You see, one of my 10 Sources of Income is the Production and Sale of Confectioneries and Pastries. Yes, 10 sources......You read that well. Haven't I shared the gist before? I think I have!( Hit the reply button if you want me to share the full details again *wide grin*).
Good Morning and Congratulations to all parents as our children go back to school today.
It's the fee paying week as usual and a lot of times, its an exhilarating week for most parents especially for the school term coming right after the yuletide. Proper planning is the antidote for Exasperation and like I usually teach, the best way to stay afloat of school fees stress is to always save on a monthly basis towards it.
How? Divide the total one year session's fees by 12 months and put that sum aside on a monthly basis. It puts you in a good position when the next fees come knocking. God's speed!
So now that work is in full swing and children back to school; How do we make the school session as enjoyable and financial ( and emotional) stress free as any other period of the year?
A lot of Parents, Mums especially still operate the pay-as-you-go method of shopping, meal-planning and all. It's a lot of stress especially for working Mums.
These few tips would help you navigate this school session.
1. Plan your meals ahead, make a reasonable time table of the meals for the entire week and bulk-shop/ bulk-cook where possible. Plan what the children would take to school on a daily basis also and ensure preparations are done the night before.
My Wealthy Friend,
A bigger congratulations to us all for making it into a year that promises to be amazing in all ramifications. Have you observed the excitement and optimism people have been expressing about 2018? It's a good feeling and I pray our dreams find a platform for expression in 2018 and beyond.
How was the transition for you into the new year and how did you spend your Day 1? Goals written? Savings plans made? Any Resolutions?
I had a very reflective and quiet first day of the year. Looks like nowadays, I enjoy being home especially during public holidays and festive period reading, reflecting and having a good quality time with the family. Real bliss it is I must say.
One of my sub-saving goals for 2018 is to put side N1,000 daily so I can have $1,000 come December 31st, 2018; so yesterday being the first day, I automated my daily savings for the year . One of the inner circle members at Smart Stewards also shared with me how she saved up N154,000 in her piggy bank between October 1st and December 31st 2017 by saving N2,000 daily. Goals!
This year, asides pursuing our money goals, I encourage us to pursue those things that translate to real wealth and this Article from Entrepreneur explains 8 Indispensable Elements of Real Wealth (of which 7 aren't monetary).
Cheers to a fantastic year ahead!
Tip 18: Leverage On The Power Of Extra-Ordinary and Divine Coaching( 18 Things You Should Do Before 2018)
What made you think I wouldn't send the last Tip of the series of "18 things you should do before 2018"? Of course I knew I had one more to go!
Before I dive into that, let me congratulate you on seeing the last day of the year 2017. I know this is a Sunday morning post; I have never sent out a post on Sunday; talk less of making it this early, but I can't contain the excitement of seeing the last day in 2017 alone. I am certain you are uber-excited as I am!
Glory to God for His mercies over us and ours throughout this amazing year!
Can I share this little secret with you?
Merry Christmas and Compliments of the Season to you.
My Christmas greeting is belated right? I know. I didn't want my message to be lost in the many emails you must have gotten yesterday. Beside, you couldn't have received all the Christmas wishes yesterday; some must be left over for today!( lol)
I hope you had a great one. Mine was uniquely simple; reflections, family time, TV, reading and just generally lounging around the house. I love festive periods; but they come and go so fast, so I endeavor to keep good memories because Moments become Memories and Memories become Monuments.
About that time of the year....
It's going to be a very brief post today as I am swamped all around with so many deliverables.
Please pardon me if I sound a bit tardy!
One of my most favourite seasons of the year is the yuletide season.
The festivities, the sharing of gifts, the shutting down of activities at work , the family time, and above all, the renewed energy that comes with the fact that a new year is around the corner.
Life could be inundating with its many activities. Our tip for today which is an admonition for us( yes us, including my good self) is to take some time off before 2018 comes around with our spouses and on a vacation, retreat; not only to re-strategize as a couple for the new year; but to also have a good time together. I know it's about a week to the new year, but I believe we can squeeze out some time; even if it is a "2-hour away from everyone".
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!
Congratulations 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' .
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.
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
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".
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!
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.....
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.
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.
On a daily basis, we feature words of financial wisdom from different Smart Stewards members and sometimes from Guest Contributors. You'd be glad reading them. Enjoy!
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