You Are Self Employed

It may come as a surprise to many that we are all self employed. Very few people realize this until after retirement, when they scramble to get their act together and learn new tricks in old age, or after a job loss. For many, the outcome is catastrophic financially – the retiree and his gratuity [...]

Money is A Mind Game

How you handle money, not how much money you have determines your financial situation. If you spend everything that comes in, no matter the increase, you will always end up with nothing. There are three sets of people when it comes to spending your income a) Those who spend less than they earn. These are [...]

From University Dropout to ICT Millionaire

by DAYO OKETOLA Wande Adalemo dropped out of the Olabisi Onabanjo University to actualise his dream of building an Internet service company, which is now worth N1bn. He tells DAYO OKETOLA how it all started and what other young Nigerian entrepreneurs can learn from his journey. The Co-Founder and Chief Operating Officer, Oxygen Broadband Networks, [...]

Till Debt Do Us Part

Apart from infidelity, financial stress is the single most deadly wrecker of marriages. Financial difficulty is the underlying reason for most marital squabbles. The love of money may be the root of all evil, but the lack of money is the root of bitterness. Money is the lubricant of love. Like it or dislike it, [...]

To Save and to Keep

Spending less than you earn is common sense. An average employee or income earner knows this deep down. Spending less than one earns is one of the usual suspects in many a failed New Year Resolution. We routinely give in to aimless spending in the holiday season, pay the price in the New Year as [...]

Baby Steps to Multiple Streams of Income

Attempting to create multiple streams of income when all you are used to is one income source can be a scary proposition. It is tempting to attempt a big leap and get something meaningful, compared to your current salary. That is a common mistake. You need to start with baby steps, doing what you know [...]

Achieving Financial Freedom in Times of Financial Turbulence

Following the news nowadays can get quite depressing. It seems what qualifies as news worthy is news of the disaster variety. They come in different shapes and forms – job losses, corruption in high and low places, economic downturn, terrorist attacks, you name it. As the business climate seems to get more hostile, we tend [...]

You Can Be Rich And Broke: Cash Flow is King

Most people look for capital gain when it comes to investing. Net worth is based on estimated value rather than actual cash flow, hence you can have a millionaire who is stone broke – asset rich but cash poor. They are worth millions but are broke at the same time, contending with past due bills. [...]

Investing Your Money Is More Valuable Than Wasting Your Time

By Izzy Woods Many on lower incomes will falsely believe that the answer to their problems is a second job. More time away from their families and friends to grind out minimum wage after a tough day at their main job takes them from surviving to saving some money each month into a basic low [...]

keep looking »