1. Learn Budgeting

You may not likely move ahead if you don’t have plans for your money. Instead, you’ll find yourself wondering where your money went at the end of every month.

Financial freedom is impossible if you’re not living on a budget. You must develop the ability to tell your money where to go, or you’ll end up wondering where it went.

Give your money an assignment before the month begins and track your spending throughout the month. If you consistently overspend or underspend in certain areas, you can always adjust the amount in those categories.

Budgeting is important to put your finances on the right track no matter how much money you earn you need to plan. No one win the big championship game by accident, and you can’t get to financial freedom by accident either.

Budgeting is the first step you should take to building wealth on purpose. Start budgeting with confidence and take control of your money.

2. Never Involve In Debt

Until you realized that your income is your most powerful wealth-building tool. And you won’t reach your money goals if all you’ve got to work for is using larger percentage of your income to service debt like credit cards, student loans, car loans and house mortgage. As long as you’re sending hundreds of your hard-earned dollars in debt payments to banks and lenders every month, you’ll never truly experience financial freedom.

If you are usually ready to begin your debt-free journey? This is the time to focus on paying off your debt. If you are zero-tolerance to any form of debt in your life this will helps you lay a good foundation to build wealth that will last. Throw all of that extra cash at your smallest debt until it’s all gone. Paying off debt is hard work, but there’s nothing like the feeling of actually keeping the money you bring in every month.

3. Set Financial Goals

Remember that a dream without a goal is just a wish. That’s one reason you must make your financial goals a priority. This should include getting out of debt or saving up for retirement, in other to make your journey to financial freedom very easy.  Setting your financial goal gives you something to work toward.

Here’s how to set goals that actually work:

1. You should be specific about your goal.
2. Make your goals measurable.
3. Give yourself a deadline.
4. Make sure they’re your own goals.
5. Put your goals in writing.

Let’s say you usually want to get out of debt. That’s a fantastic goal to have, but that may not be enough until you specify how much debt do you want to pay off? Is it $10,000? Good, now you’re getting somewhere! When do you want to be debt-free? How does 12 months sound?

And just like that, you now have a specific, measurable goal that’s personal to you with a hard deadline attached to it: I want to pay off $10,000 worth of debt in 12 months. Now all you have to do is write it down and keep it front and center as you go after it.

4. Choose a Smart Career

Realizing that your biggest wealth-building tool is your income. So why choosing a career, there’s a lot at stake. Don’t stay stuck at a dead-end job, especially if income will not support your financial goal. Find a job you enjoy that will also supports your goals so you can enjoy the journey. If your present job doesn’t look like taking you to your destination, change your job.

So, what should you look for? Here are a few things to keep in mind:

• Where are you in 10 years? Start with the end in mind. Does this job make sense with your overall goals?

• Will the income sustain you? Even if you’re not making your dream salary from the start, make sure there’s opportunity for your income to increase as your value increases.

• Can you grow her? Are there opportunities for you to move up and grow personally and professionally?

• Do you love the work? Don’t spend a career at a job you hate. Find something you’re passionate about that allows you to use your gifts, talents and skills.

• Do the benefits support your goals of financial freedom? Your options for retirement savings and health insurance can dramatically affect your ability to build wealth. Your choice of career can have a big impact on your long-term financial plan, so take it seriously.

5. Keep Money for Emergencies

If your goal is financial freedom, you need a fully funded emergency fund. It acts like a buffer between you and the unexpected life events that happen to all of us, like car repairs, broken appliances, school fees and medical bills. That’s why you should increase your emergency fund to cover 3–6 months of expenses once you’re out of debt.

Having the cash on hand to cover an unexpected life event gives you peace of mind and is a critical part of your overall financial plan. Once you have that fully funded savings account, you’ll start to feel more flexibility in your budget.

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HOW IT ALL STARTED

I decided to re-publish this article on a popular demand of my dearest readers. Have a pleasant reading.

Today is January 20th 2018, what I want to achieve with this write up is to let you know that you can start small and you can actually start with what you have. I am gradually seeing the result of my effort. I am also gradually moving towards my financial promise land.

Planning and having a goal is very important in your journey to future. According to Ralph Waldo Emerson, he said “you own yourself a duty to make a decision, when you do this, then the whole universe conspire to make it reality. The problem with you and most people is that they don’t know what they actually wanted in life.

Okay! Let me put it this way. What did you want? You will notice that you do not have an answer to that question. Let me ask you again… What did you want in life? No answer. You see!

Funny enough to some people that are able to provide answer; give them another 24 hours and ask them the same question. You will discover that they are giving answer that is far different from the first. People don’t actually know what they wanted in life.

What do you want in life?

Here you are! Ask them the same question ‘what do you want in life? Some weeks or months later and even a year later. The answers are quiet not the same. Whoever is exhibiting this kind of behavior doesn’t have future. Yes! They do not know what they want. If you don’t know where you are going, how do you get there?

You only know what you want when you have a goal. A goal is the template of your decision to move you from point A to point B at a specific period of time. If actually you have decided on your goal, you should be able to write it down and be ready to following it to letter at a specific period of time.

This is exactly what I did that made me to be hopefully sure that in the future, I will be having very vast land cultivated with different arable and tree crops. The resources from the farms will be use to create employment for our teeming job seekers in this community, and to establish farm academy which will be later upgraded to private entrepreneurial university.

How do I know that I will achieve this? I know because I have captured the ideas and set it as a goal and documented it on paper to see what skills and finance would be required to arrive at my destination.

THE JOURNEY STARTS HERE

On this small piece of land, I have tested how wealth could be generated with banana plantain farming. In fact, I have develop a blue print and easy to follow step by step of this in my best selling book ‘Wealth Secrets in Banana Plantain Farming’. You can get your copy HERE 

Few weeks to this time, we are expanding this on about 10 acres of lands on borrowed lands I partnered with a friend at Atan Ota in Ogun State. As soon as we start work on that we shall let you have a glimpse.

This is the nursery section where we are raising plantain suckers for onward transplanting into the main site and also for sale. We wish ourselves best of luck.

Hopefully in 15 months all things been equal, we are expected to generate N1,000,000 on an acre of land on plantain alone.

I don’t want to reach the future and people will be saying ‘ose ogun owo ni’. He is into money ritual. Let me assure you that everything is achievable only if you can fathom an idea and setting a goal on achieving it.

The secret of wealth is no more secret. The shortest way to achieve success in life is to find someone who’ve already achieved what you want and then model his pathways to success. All this story I’m narrating here is already documented in my book – ‘Wealth Secrets in Banana Plantain Farming’. Get your copy HERE!

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Most people belief in whatever is been circulated in the media. I personally don’t belief there is recession anywhere. What is needed to be circulated at this period around is for people to change their mindset and stop believing in everything you are reading or hearing in the media. Media can be deceitful. Because you will surely become what you are hearing. Before going further let me just dwells on different mindsets I am aware of.

There are;
• Wealthy people mindset
• Middle class people mindset
• Poor people mindset
Just take your time to know which of the group you belong to.

THE WEALTHY PEOPLE, have mindset that is totally different from middle class and poor. These are the people that believe that they can continue to create abundance and they are not afraid of making money, multiply money and maximise money. Ask yourself if you belong to this group. Can you make, multiply and maximise money?

THE MIDDLE CLASS PEOPLE are those who want to tell the society that they have arrived. They want to show a life style. They are the first group to buy latest of everything. They buy latest shoes, latest cars, latest and expensive clothes. They want to keep showing friends and society that they have truly arrived. We have them surrounding us using latest handset, iPad and finest electronic gadgets.

This character is not the proof of abundance but a show to friends. They taught that what you have is more important than what you are.

THE POOR, one should not pray to belong to this group. The fact is that majority belong to this group. These people are so scared to do anything meaningful because they believe that life is about survival.

The one way out of the recession is to develop the mindset of the wealthy people. Even if all indices are showing there is recession, just believe there is no recession in your own life.

Develop the characteristics of the wealthy people that will always lead you to see the opposite of what others are seeing like:
• When people are seeing recession, you will be seeing positioning
• Where people are seeing problems, you will be seeing opportunities.
• Where people are seeing impossibilities, you will be seeing possibilities.
• Where people are saying it is not easy, you will be saying it is easy.
Don’t say amen. These are not prayers; I am making some points here. This is about the time to start matching your prayers will action.

Position yourself for greater opportunity tomorrow. Don’t really on what you are reading on the print and social media.

This is the time to partner with those that are going somewhere. This is the time to learn skill and training that will usher you to the next level of your life. We have a lot of packages that can help you just doing that. Visit here to get my best products that will bail you out of recession

DO NOT IGNORE THIS MESSAGE; POSITION YOURSELF FOR THE OPPORTUNITY OF 2017.

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sulayman holding ugwu fruit

You may have to read this letter to the end to get an insight of above caption –Farming is the gateway to financial success.

 On October 2015 to be precise, I bought 4-5 seeds of ugwu at a local market in Alimosho Local Government, Lagos State at N50. Suddenly, the seeds just became scarce in the market. We couldn’t get the seeds until planting season of last year (March – April2016), when only 2-3 seeds were sold at N100. Can you imagine? Then, the story in the town was farmers were desperately seeking ugwu seeds to buy. I perceived this as an opportunity to make money.

I taught we should be producing ugwu seeds en-mass next planting season (2017). In other to save cost of getting seeds I decided to plant the few seeds I had. Wow! I came out with the first fruit of ugwu on the 20^th   November, 2016.

From our Atan ota Farm, farmers have been calling us that they would like to buy seeds. We produce early maturing and non-susceptibility to major diseases. Look at it here; you can also get our seed catalogue here; http://www.tomsulayman.com/sultaj-seeds-family-2/

Sultaj Farm, Atan Ota, Ogun State. Nigeria

On June, 2016, Tom Sulayman Enterprises in collaboration with Tom Organic And Integrated Farm (TOIF), we decided to come out with a farming ideas we tagged ‘Diagnostic Farming Revolution’ DFR. The crops we decided to put in the line of production aside ugwu were; cassava, water melon, banana & plantain, sweet potato, ginger and moringa.

The idea behind this, is to resuscitate the lost glory of agriculture in Nigeria using South-West as a take-off point. We are doing this to make farming attractive to the interested youth in order to reduce the growing unemployment trends currently witnessed in the country.

We want to re-establish the old trust our fathers had on agriculture and go back to produce the quality agricultural produce for the family and for commercial. As part of  DFR, we have acquired land in different locations spreading across states in the South West, Nigeria. There are farms at Ikotun, Ihunbo, Ado-odo, Ata-ota, Ibadan, Ifo, Papa-Lanto etc

Though, still on the pipeline, as part of the DFR plan is to acquire lands in different parts of the country and allocate to the interested farmers who would cultivate with our support and specifications. To partake in this opportunity, apply here; 

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Unemployment does not exist. Unemployment is an unusual and unnatural state of affairs. Let me state categorically that there is always work to be done. You are the reason you do not have work. Do not blame anybody. Blame yourself.

All that is required of you to get into the workforce is to do one or more of three things;

1. Lower the amount you are asking to perform a particular task and be ready to offer to work for less.
2. Do something that people are willing to pay for. (i.e learn one or more skills)
3. Move to a place where your current skills are in greater demand.

Listen to this!

How on earth did you get the idea that you are entitled to a well-paying job?  Even worse, where did you get the idea that somehow Government is responsible for creating jobs? How is it that you made no effort to upgrades your skills for years can suddenly be upset and angry when no one will pay you the kind of money that you want to earn?

Too many people want to get paid more and more for doing less and less, and they constantly amazed when they meet resistance to this from every corner. Are you one of them?

Most of the problems with employment are caused by the fact that most people don’t want to get up on Monday morning and go to work. People are just lazy. They will only work if they see that there is no other way to get the things they want.

Majority of income earners see their work as a necessary evil, something they have to do to earn the money to support their lifestyles. In most cases, these people see their work as a punishment, something they have to endure, a penalty they have to pay to enjoy the rest of their lives. People with this attitude have a very limited future.

Is it really possible for anyone to be paid more money for doing less work? It is not possible to permanently charge more for labour than the employee contributes in value.  It is not also possible to charge more than what your employer can pay; even Federal Government has fixed the minimum wage. Each person surely reaps exactly what he sows, no more and no less.

Law of income was cleared on this, ‘that your income is directly proportional to the values you contributed to the marketplace’

The best personal desire for a good job at high rewards is to continually upgrading your skills, getting better and better at doing more and more of what employers value most and customers are willing to pay for.

Psychologically, and in the world of work, you can only be paid in direct proportion to three things:

1. The work you do.
2. How well you do it and
3. The difficulty of replacing you.

Just imagine your contribution to your present work. I am aware that some people are even collecting pay for gossip or manipulating records in their offices. These people are been paid to destroy their own future – what a calamity! This is one reason why somebody will retire and do not know what to do with the rest of his life. Because he has been in the job to earn instead of learn.

You own yourself a responsibility to choose the right job that fit into your talents and skills, and become very good at doing it and finally make yourself indispensable. This is the key to your future.

Governments don’t create jobs. Unemployment does not exist. You are the architect of your own life. Find yourself something to do, stop being lazy. It is your decision and not your condition that determines your destination

This is a free society, where everybody is responsible for his own life and work. Each person is responsible for acquiring and developing the skills necessary to earn the kind of money he wants to earn in the current, continually changing marketplace. Each person is responsible for continually upgrading his skills so he can do what people are willing to pay for today.

I am amaze when I hear some people demanding the politicians to do something to create jobs for our teeming population. But what they don’t realize is that politicians or government lack ability whatsoever to create jobs. They do not have that ability. All that is require of them is to create the enabling economic environment that encourages risk-taking entrepreneurs to invest in the production of goods and services people want, and in so doing, create jobs for the people necessary to produce those products and services.

 GET THE COMPLETE INFORMATION HERE FOR FREE

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This is about the time to create sustainable national education policy that will support entrepreneurship and job creation in Nigeria.

We should start looking at Nigeria’s tertiary Institutions producing entrepreneurs instead of employees. We should have surpassed the system of education handed to us by the British which was based on producing civil servants.

We should be able to produce graduates that will be establishing themselves for the challenges in the real world. They should be train on the field that will not bring them to work for anybody.

That system of graduates begging to look for a job should be totally eradicated in our system of education. This will be possible if there is deliberate attempt to redesign our educational curriculum. Our universities should encourage entrepreneurship and train people not to be jobseekers by now.

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From the author who’s inspired millions worldwide with books like Tuesdays with Morrie andThe Five People You Meet in Heaven comes his most imaginative novel yet, The Time Keeper–a compelling fable about the first man on Earth to count the hours.
The man who became Father Time.
In Mitch Albom’s exceptional work of fiction, the inventor of the world’s first clock is punished for trying to measure God’s greatest gift. He is banished to a cave for centuries and forced to listen to the voices of all who come after him seeking more days, more years.

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