I have put together some actionable steps that you can take to improve your financial life in 2025. You may be looking to save, invest, or better manage your money. The strategies can assist you to build a solid financial foundation, reduce debt as well as grow wealth sustainably.   1. Create a Visionary Financial Goal Plan You should begin 2025 with a clear set of financial goals. You need to think beyond monthly budgets and savings. You should set specific, time-bound goals, for example, buying a home, or funding a child’s education. You should break each goal down into monthly or quarterly milestones to make it easier to track progress throughout the year. 2. Invest in Skill Development for Career Growth Investing in education or skills training can have a high return by opening doors to promotions or higher-paying job opportunities. There are many profitable free and paid online courses that you can tremendously benefit from. Consider upskilling in fields with ...

You should have heard about some of the highest earning bloggers in the world. For example, Tim Skyes earns $1 million per month, Chiara Ferragni $250,000 per month, Melyssa Griffin $238,000 per month, Sarah Titus $200,000 per month, Pat Flynn $200,000 per month, Alborz Fallah $125,000 per month and many others. Blogging is the m ost profitable and easiest side hustle. Blogging has been generating income for people all over the world, for example, Amit Agarwal in India and Linda Ikeji in Nigeria. Blogging can generate income from anywhere in the world. Look for sought after but cheap  certificated courses  on how to blog and make money from blogging. This will really help in setting up your blogging business and start earning side income. As a blogger, I am not tied to a specific location. I work when I travel on holidays. I can work from my hotel rooms and beside the beach. Blogging can be defined as creating and maintaining a website where you can share thoughts, insights...

It is surprising that many people in the world today are looking for ways to financial freedom but have overlooked the fact that riches are hidden in some items around us.  We do not need to look too far. Jewelleries, most especially wristwatches are goldmine that should be discovered and explored. I have thought for a while on why the wealthy lay more emphasis on some items or products than the other.  I have come to realise that the link between wealth and wristwatches are so close and connected with history. Any story about wristwatches cannot be complete without mentioning luxury and status. It is a fact that wristwatches are more than what we thought about them. They are items that attract riches.  The use of wristwatches transcends beyond timekeeping. It is not just a mere device, but they have been known for ages as symbols of wealth, taste, and cleansing. It is true that wristwatches help us with time management and make us look fashionable but there are more...

  I have a daily to do list that helps me organise my day and meets targets and deadlines. The truth is, to do list is never enough without a reliable watch, most importantly, a wristwatch . In this modern day, a fast-paced world, mastering time management is a very important skill if you desire success. The aim of every businessperson is to be successful, and this is where time management becomes necessary. Whether you are a consultant, baker, engineer, jeweller , or a food seller, juggling multiples tasks, or you are a student, effective time management can make all the difference. Visualise having a reliable companion on your wrist, this is not only about time but help you in making sure that every moment of the day is optimised. That’s where wrist watches such as automatic watches, quartz watches, solar watches, chronograph watches, hybrid watches, aviator watches, military watches come into play. There are many brands of wristwatches to choose from, such as Rol...

It is my desire to always hone my skills and acquire life changing skills. Most especially to improve my financial life. It is therefore necessary to look at some essential money-getting skills that you and I need to thrive in today's world. A Need For Financial Literacy It cannot be overstated that there is a need to understand how money works. This includes, for example, budgeting and investment. It is also crucial to know how to handle debt issues. It is not a luxury to educate oneself on some basic financial concepts such as inflation, risks, and diversification of investments. It is important to familiarise oneself with how money works.   Communication Skills – A Must Communication skills are sine qua non. This is a skill that we might not be able to do without. For instance, there is a need for ability to negotiate effectively. It is an essential skill to be able to communicate your value proposition. Communication skills involve practicing active listening as well as...

When I was planning my wedding, I took the following seriously and into consideration. I am glad I did. You Need to Start Early I began my wedding planning process as early as possible. I did not waste time. This singular act helped me to secure my preferred vendors and venues.   It gave me adequate time to make reasonable decision without rushing. Think about Setting a Budget I did this. You should try and have a realistic budget that goes with your financial resources as well as priorities.  It is prudent to consider all aspects of the wedding. This starts with the venue, wedding dress, wedding rings and decorations. The advantage is that this can help with allocating the available funds wisely. Couple to Be Should Prioritize Together This is where both of you should have a discussion relating to what you would like to prioritise. Try and decide jointly what things are most important to both of you. For example, food, entertainment and venue. The budget should ...

It important to note that seeking financial support is not a sign of weakness, it is that of wisdom.  Seeking financial support can enable you and I as well as our businesses to pursue opportunities and to achieve intended goals in a more effective way. Your savings Your personal savings can be used to achieve your aims or complete a project. It is yours and it seems the most readily available source of financial support. What about family and friends? These people can be sources of support. Loans and gifts can come from these people which can provide the needed financial assistance. Loans from banks These institutions are able to offer loan facilities. Banks can be a source of financial support for your personal or business needs. Take note that this will come with clear and defined repayment terms. Take independent financial advice before taking loans. Credit Cards can be Useful. This should only be considered for short term purposes. That is, for short term finan...

One of my family members was celebrating her birthday and it took me time to decide what I should give. The reason being that I wanted my gift to be appreciated. It is not enough for us to give but we all are happy if our gifts are appreciated. Most times people complained that they are not appreciated or well appreciated, it is time to stop blame shifting, you and I should examine ourselves, most especially how we give gifts. I have discovered that gift appreciation is a timeless art. It actually goes beyond the monetary value of the offering.  Over time, occasions have thought me that it is the thoughtfulness, the sentiment as well as the effort behind our giving that truly touch the heart.  For example, be it a handmadetrinket or a simple handwritten note.   It should be highlighted that the essence of giving lies in the sincerity of you and I as a giver.  The last part of this article addresses how you can give so you can be appreciated. I have ruminat...