🙋🏻‍♀️ *What are your ways of creating wealth right now?*

= My main job/business.

= Investing in stocks/mutual funds.

= Building a side hustle or freelance work.

= Real estate investments.

🫶 = Smart savings & budgeting.

= Learning new skills to boost my income.

= Yet not earning, but keen on creating massive wealth in near future.

= Don't believe in creating wealth, it's a matter of luck!

*Wisdom On Budgeting On Groceries...✍🏾*


1. The first thing you must do is to track down your monthly expenditure before you make a budget
- check how much you have been spending all along including that fridge list that you always buy once a week.


2. Now that you know how much you have been spending,assess your financial situation,how financially stable are you and how much you are willing to spend.

3. Keep a weekly fridge list:
- This list includes those food stuffs that are refridgerated e.g fruits,vegetables,bread,fresh milk
- This will help you to have a certain amount of money that you take from your budget &put it aside for weekly use other than taking it from wallet when you have exhausted your monthly budget.

Shopping
4. Next make a standardised/basic commodity list:
-this includes all basic things you need from mealie meal,cooking oil,sugar to washing powder etc ( this is a list of those things that you can't run your home without not luxury stuff)

5. Now that you have a list of basic commodities, plan and create your own weekly menu. Write down what you will be eating during meals and snack times per week. From breakfast, lunch and supper for a week meaning to say every Monday or any other day of the week e.g every Monday supper: rice and chicken/pork (anything available be it chicken / pork)
6. From the weekly menu,now make a list of those food stuffs that you have mentioned in the menu with their quantities bearing in mind that you have roughly 4 weeks in a month so remember to multiply by 4 in-order to get monthly quantities e.g if you need 2 cups of rice every Monday it means (2 cups × 4 Mondays in a month) = 8 cups of rice thats roughly 2kg of rice per month. Do the same for all good stuffs.

7. Combine your standardised list and your menu list ...you are almost done.the next step is to take your list and choose 2/3 shops that are cheap then you can go do window shopping and compare prices or rather collect pamphlets ,check for commodities that are on sale or reduced prices.Also check on t.v, some sales are advertised on t.v & radios.Write down those that are cheap and where they are cheap.

8. You can now make a list of what you are going to buy and from which shop.I recommend you have at most 2/3 cheapest shops that you will buy your commodities to avoid moving around too much and confusion.

9. Since you have identified things that are on sale.If your money permits you can also buy in bulk and your budget will be reduced for the next coming months.

10. When buying fruits and vegetables from your weekly fridge list,buy the fruits and vegetables that are in season because they are plenty in the shops and in the markets therefore making them very cheap & affordable.Those are out of season are usually imports therefore making them expensive.e.g buying grapes in winter/mangoes in winter etc .

11. When you are on the till watch your goods being scanned.Some may seem reduced on the shelve but when scanned on the till you will realise they are not reduced but rather too expensive for you.

12. Always keep paper bags for re-use on your next shopping especially if you bought them. Do not be ashamed to push your trolley outside then you take out your old plastic bags and pack your goods there. Remember we are trying to save here so every cent counts.

13. As soon as you get home,pray 4 your groceries to last and rebuke the devourer spirit and then unpack them.

NB. Never go for shopping on an empty stomach,you will end up going off the budget buying yourself lunch:
- Never go for grocery shopping with your kids,believe you, me ,you will end up buying what they want rather than what is on your list.Remember you are the parent &you know what is good for them from food to bathing soap
- Another thing you will end up buying your kids expensive take away (that you did not budget for) rather leave them home.
- Love your left overs, do not throw away left over food be it it's ordinary beef soup or cheap vegetables.left overs are good for lunch boxes or afternoon snacks.

May God give you wisdom to run your home🙏🏽

Day 4 of Salary Detox Challenge: Know Your Numbers

You see, budgeting is not for broke people. It’s for serious people. What you don’t measure, you can’t manage and what you can’t manage, you will surely lose even if it’s plenty.

Many of us are afraid to look at our financial truth. We fear the numbers.
We fear seeing that we earn N300k but spend N420k.

But until you face it, you can’t fix it. Clarity is the first real step.

If you don’t know where your money is going, how much you owe, or what you are really spending each month, you will stay stuck because you are not in control.

Avoiding the numbers won’t fix your freedom but will only delay it. Just like you can’t start a journey without knowing your current location, you can’t build wealth if you don’t face your financial reality.

Sit down and calculate your real income and expenses. Yes, Not guesswork.

Be honest with what comes into your account monthly, What goes out... daily, weekly, and monthly.

Airtime, data, transport, food, bills, debt, subscriptions, giving, rent, flexing, infact put a number to everything.

Let your monthly budget capture your income, expenses, debts, and savings, it might shock you, but that’s a good way to build a plan that starts with honesty, control, and structure.

So today's Challenge, let the numbers talk.
Even if it’s painful, take 30 to 60 minutes to write it all down, so you know if you are building or bleeding.

I am sharing what I did differently to get to this point. If you love my kind of results, then follow me on this challenge.

#Oluwaisinvolved
#SalaryDetox
#Day4Challenge
#KnowYourNumbers

Day 4 of Salary Detox Challenge: Know Your Numbers

You see, budgeting is not for broke people. It’s for serious people. What you don’t measure, you can’t manage and what you can’t manage, you will surely lose even if it’s plenty.

Many of us are afraid to look at our financial truth. We fear the numbers.
We fear seeing that we earn N300k but spend N420k.

But until you face it, you can’t fix it. Clarity is the first real step.

If you don’t know where your money is going, how much you owe, or what you are really spending each month, you will stay stuck because you are not in control.

Avoiding the numbers won’t fix your freedom but will only delay it. Just like you can’t start a journey without knowing your current location, you can’t build wealth if you don’t face your financial reality.

Sit down and calculate your real income and expenses. Yes, Not guesswork.

Be honest with what comes into your account monthly, What goes out... daily, weekly, and monthly.

Airtime, data, transport, food, bills, debt, subscriptions, giving, rent, flexing, infact put a number to everything.

Let your monthly budget capture your income, expenses, debts, and savings, it might shock you, but that’s a good way to build a plan that starts with honesty, control, and structure.

So today's Challenge, let the numbers talk.
Even if it’s painful, take 30 to 60 minutes to write it all down, so you know if you are building or bleeding.

I am sharing what I did differently to get to this point. If you love my kind of results, then follow me on this challenge.

#Oluwaisinvolved
#SalaryDetox
#Day4Challenge
#KnowYourNumbers

Day 2 of Salary Detox Challenge

Face your Fears.

Fear is what's really holding you back from saving, investing, and using your salary wisely, It’s not just only lack of money.

And I am talking about the quiet fear that hides in your mind and silently guides your spending habits.

Some of us fear looking “too broke” in front of friends or family. So we buy phones, clothes, and lifestyle we can’t afford, just to feel among.

Some fear saying “no” to siblings and parents, because they don’t want to be called stingy person.

Others are scared of investment. They have heard stories of scams here and there, so they hold tightly to their salary, not realizing that fear of risk is costing them more than any loss would.

Many fear the idea of planning and budgeting. Because if they sit down and look at their budget account, they will have to confront the truth.

And then there is the fear that whispers, “This salary is too small to save, It's not enough, abeg chop life.”

So you keep eating tomorrow’s peace for today’s pleasure.

But see eeh, fear can crush you or fuel you.

When I started earning, I had fears too. I was afraid of being broke again. Afraid of building something and losing it and carrying responsibilities I couldn’t handle.

But instead of letting that fear paralyze me, I used it to build structure around me.

I created systems of "Me First" and automated savings that are priority fir my future. I started investing small smalll and stopped trying to impress people who even dont care. I stopped trying to solve all family problems.

And that’s what I want for you today.

Today’s challenge is simple,
Write down your biggest financial fear and what you think it truly is. Please be honest.

And then ask yourself "What if I use this fear to fuel a better future?" Because when fear is exposed, it loses its power and also when it’s redirected, it becomes something that can build a fortune.

So, we fear bills now, but we don’t fear poverty in old age. We don’t fear living salary to salary at 65.

It’s time to fear the right things, face it and use it to build the right life.

We have to detox our fears.

#Oluwaisinvolved
#salarydetox
#Day2Challenge
#FaceYourFear

Day 2 of Salary Detox Challenge

Face your Fears.

Fear is what's really holding you back from saving, investing, and using your salary wisely, It’s not just only lack of money.

And I am talking about the quiet fear that hides in your mind and silently guides your spending habits.

Some of us fear looking “too broke” in front of friends or family. So we buy phones, clothes, and lifestyle we can’t afford, just to feel among.

Some fear saying “no” to siblings and parents, because they don’t want to be called stingy person.

Others are scared of investment. They have heard stories of scams here and there, so they hold tightly to their salary, not realizing that fear of risk is costing them more than any loss would.

Many fear the idea of planning and budgeting. Because if they sit down and look at their budget account, they will have to confront the truth.

And then there is the fear that whispers, “This salary is too small to save, It's not enough, abeg chop life.”

So you keep eating tomorrow’s peace for today’s pleasure.

But see eeh, fear can crush you or fuel you.

When I started earning, I had fears too. I was afraid of being broke again. Afraid of building something and losing it and carrying responsibilities I couldn’t handle.

But instead of letting that fear paralyze me, I used it to build structure around me.

I created systems of "Me First" and automated savings that are priority fir my future. I started investing small smalll and stopped trying to impress people who even dont care. I stopped trying to solve all family problems.

And that’s what I want for you today.

Today’s challenge is simple,
Write down your biggest financial fear and what you think it truly is. Please be honest.

And then ask yourself "What if I use this fear to fuel a better future?" Because when fear is exposed, it loses its power and also when it’s redirected, it becomes something that can build a fortune.

So, we fear bills now, but we don’t fear poverty in old age. We don’t fear living salary to salary at 65.

It’s time to fear the right things, face it and use it to build the right life.

We have to detox our fears.

#Oluwaisinvolved
#salarydetox
#Day2Challenge
#FaceYourFear

Financial Literacy: Understanding basic financial concepts like budgeting, investing, and managing debt is crucial.

SOUND FINANCIAL HABITS!!!

1. BUDGETING MONTHLY

Creating and sticking to a monthly budget ensures your spending aligns with your income and financial goals.

2. TRACKING EXPENSES

Recording daily expenses helps identify unnecessary spending and areas for savings.

3. SPENDING LESS THAN YOU EARN

Living below your means allows you to save and invest the excess for future needs.

4. SETTING FINANCIAL GOALS

Short-term and long-term goals give direction to your finances and help prioritize spending.

5. HAVING AN EMERGENCY FUND

Saving 3-6 months’ worth of expenses cushions you during unforeseen circumstances like job loss or medical emergencies.

6. SAVING CONSISTENTLY

Regular saving, no matter how small, builds wealth over time.

7. AVOIDING IMPULSE BUYING

Delaying purchases helps you differentiate between needs and wants.

8. PAYING BILLS ON TIME

This protects your credit score and avoids late fees or penalties.

9. BUILDING MULTIPLE INCOME STREAMS

Relying on one income source is risky. Side hustles, investments, and passive income sources add financial security.

10. INVESTING EARLY

Compound interest works best over time; the earlier you start, the better.

11. UNDERSTANDING INTEREST RATES

Knowing how interest works helps in choosing loans and investments wisely.

12. MINIMIZING DEBT

Avoid accumulating bad debt like credit card debt. Focus on paying off existing debt.

13. LEARNING FINANCIAL LITERACY

Reading books, listening to podcasts, or taking courses increases financial understanding.

14. LIVING WITHIN YOUR MEANS

Avoid the pressure to “keep up with the Joneses.” Contentment brings stability.

15. BUYING WITH CASH, NOT CREDIT

This limits overspending and ensures you don’t fall into debt.

16. SHOPPING WITH A LIST

This helps you stick to essentials and avoid unnecessary purchases.

17. MEAL PLANNING AND COOKING AT HOME

Reduces food costs and promotes healthier living.

18. NEGOTIATING PRICES AND BILLS

Many expenses (like rent, cable, or subscriptions) can be negotiated for better rates.

19. REVIEWING SUBSCRIPTIONS REGULARLY

Cancel unused or unnecessary services to save money.

20. COMPARING BEFORE BUYING

Researching and comparing prices ensures value for your money.

21. HAVING INSURANCE COVERAGE

Health, auto, and life insurance protect you from financial disasters.

22. PLANNING FOR RETIREMENT EARLY

Start saving for retirement even if it seems far away.

23. GIVING AND DONATING WISELY

Giving is good, but do it wisely within your financial capacity.

24. TEACHING YOUR FAMILY ABOUT MONEY

Involving your spouse and children fosters responsible financial behavior.

25. PAYING OFF HIGH-INTEREST DEBTS FIRST

Prioritize debts with the highest interest rates to save money in the long run.

26. CREDIT MONITORING

Regularly check your credit score to avoid surprises and detect fraud early.

27. INVESTING IN PERSONAL DEVELOPMENT

Courses and skills that improve your earning potential are good financial decisions.

28. BUYING QUALITY OVER QUANTITY

Durable goods last longer and save you more over time.

29. TAKING ADVANTAGE OF DISCOUNTS AND COUPONS

Legit deals reduce costs and stretch your money further.

30. PLANNING BIG PURCHASES IN ADVANCE

Avoid financing items you could save up for with planning.

31. AVOIDING LIFESTYLE INFLATION

As income grows, avoid increasing your spending proportionally.

32. HAVING A FINANCIAL ACCOUNTABILITY PARTNER

Someone to keep you honest and focused on your financial goals.

33. KEEPING FINANCIAL RECORDS ORGANIZED

This helps in tax preparation, tracking progress, and spotting fraud.

34. MAKING USE OF AUTOMATIC SAVINGS

Set up automatic transfers to savings or investment accounts.

35. REINVESTING RETURNS

Instead of spending returns, reinvest them to grow your wealth.

36. SETTING SPENDING LIMITS FOR CATEGORIES

Control areas like entertainment or shopping with set limits.

37. BEING PATIENT WITH FINANCIAL GROWTH

Wealth-building is a long-term process. Avoid “get rich quick” traps.

38. GETTING PROFESSIONAL FINANCIAL ADVICE

A certified financial planner can help align actions with goals.

39. PROTECTING YOUR ASSETS LEGALLY

Use wills, trusts, and insurance to secure your wealth.

40. UPGRADING YOUR SKILLS REGULARLY

Continuous learning boosts employability and income potential.

41. TAKING CARE OF YOUR HEALTH

Health is wealth. Avoiding health-related expenses through good living habits saves money.

42. BEING MINDFUL OF TAXES

Understand tax obligations and use legal ways to reduce them.

43. PLANNING FOR CHILDREN’S EDUCATION

Start saving early to avoid burdensome educational loans.

44. LIMITING LUXURY PURCHASES

Enjoy life, but not at the expense of your financial stability.

45. USING FINANCIAL APPS AND TOOLS

Apps like budgeting tools help track, plan, and manage money better.

46. REFINANCING LOANS WHEN IT MAKES SENSE

Lower interest rates on loans can save you thousands.

47. AVOIDING GAMBLING OR GET-RICH SCHEMES

Risky ventures often lead to massive losses.

48. SEEKING VALUE, NOT JUST PRICE

Low price doesn’t always mean good value. Weigh cost against benefit.

49. REVIEWING FINANCIAL PROGRESS REGULARLY

Quarterly or yearly reviews help you stay on track and adjust where necessary.

50. MAINTAINING A GENEROUS BUT WISE HEART

Give cheerfully and help others, but don’t do so to your own financial detriment.

DIFFERENCE BETWEEN ACRES AND HECTARES OF LAND!

Most people usually get confused between this two while some misplace the both.

The main difference between hectares and acres is in their size and where they're commonly used:

1. Size

1 hectare (ha) = 10,000 square meters

1 acre = 4,047 square meters (approximately)

So, 1 hectare is about 2.47 acres.

2. Usage

Hectares are commonly used in most countries that use the metric system (like Nigeria, UK, Europe, etc.).

Acres are commonly used in the US and some other countries using the imperial system.

3. Quick Conversion

To convert hectares to acres: Divide by 2.47

To convert acres to hectares: Multiply by 2.47

Go and sin no more!

In need of any landed property in South East? please send me a DM..

Congratulations in advance

I HELP YOU TAKE CONTROL OF YOUR MONEY THROUGH SMART BUDGETING, CONSISTENT SAVING, AND STRATEGIC INVESTMENT IN STOCKS AND REAL ESTATE.

#realestate #InvestWisely

HOW TO LEVEL UP AS A WOMAN

1. Upgrade your mindset

It’s time to stop thinking small and doubting yourself.

Surround yourself with people who inspire you to grow.

Embrace learning. Invest in books, skills and courses.

2. Prioritize self-care

Have a skincare routine. It can be as little as being intentional about drinking water and eating fruits.

Eat food that nourishes your body and avoid junk.

Exercise for mobility.

3. Level up financially

Start a side hustle.

Learn about saving, investing, and budgeting.

4. Level up in your appearance

You must look good not for others but for confidence.

You don’t need expensive outfits to look good.

Dress in a way that makes you feel confident. Smell good.

5. Improve your communication & social skills

Speak with confidence, not insecurity.

Develop your vocabulary and learn to express yourself clearly.

Know how to network.

6. Embrace emotional maturity
Set boundaries and stick to them. Not everything deserves a reaction.

Don't beg for love, attention, or validation.

7. Level up spiritually

Pray, meditate, and spend time with the Word.
Spend time alone and get to know yourself

Picture - Internet

10 WAYS TO AVOID FINANCIAL CHALLENGES IN MARRIAGE.

Avoiding financial challenges in marriage requires a combination of communication, planning, and shared responsibility.
Here are key strategies to help prevent financial issues in your marriage:

1. Open Communication
Discuss finances early: Before or early in the marriage, have candid discussions about each other's financial situation, goals, debts, spending habits, and values. This helps you both understand each other’s expectations and create a unified approach.

Keep communication ongoing: Regularly check in with each other about your finances—this includes budgeting, savings goals, and any financial concerns. Open dialogue can prevent surprises and resentment.

2. Set Shared Financial Goals
Create common goals: Discuss short-term and long-term goals together, such as saving for a house, retirement, or vacations. Setting common goals helps align both partners and motivates teamwork.

Budget together: Agree on a budget that works for both of you. Break down income, fixed expenses, savings, and discretionary spending. This ensures that both partners contribute to financial decisions and stick to the plan.

3. Separate and Joint Accounts
Decide on account structure: Some couples find it beneficial to have a joint account for shared expenses and personal accounts for individual spending. This can help maintain financial independence while managing shared responsibilities.

Maintain transparency: Regardless of account structure, ensure transparency in how money is spent and saved, avoiding secrecy or hidden debts.

4. Build an Emergency Fund
Save for unexpected expenses: Life is unpredictable, so it’s important to have an emergency fund that can cover 3-6 months of living expenses. This will reduce financial stress during difficult times such as job loss or medical emergencies.

5. Manage Debt Together
Avoid accumulating debt: Be mindful of taking on new debt. If you have existing debt, work together on a plan to pay it down, prioritizing high-interest debts.

Debt management plans: If the debt is significant, consider consulting a financial advisor or credit counselor to create a strategy to reduce it efficiently.

6. Plan for Retirement
Start saving early: Even if retirement seems far off, it's important to begin saving early. Contribute to retirement accounts like 401(k)s or IRAs. Take advantage of employer matching, if available.

Regularly review retirement goals: As your lives and incomes change, reassess your retirement savings plan together.

7. Agree on Spending Limits
Establish spending boundaries: Set limits on how much each partner can spend without consulting the other, especially for larger purchases. This helps prevent impulse buying and keeps finances on track.

Review big purchases together: For significant purchases, discuss and agree on them as a couple. This ensures you’re both comfortable with the decision.

8. Consider Financial Counseling or Advice.
Get professional help if needed: If finances are causing tension or confusion, consider seeing a financial advisor or counselor. Professional advice can help create a clear plan and resolve financial problems.

9. Avoid Keeping Financial Secrets
Be transparent about spending and debts: Hiding financial struggles, purchases, or debt can create distrust in a marriage. It’s important to be open with each other about financial realities, even if they’re difficult to discuss.

10. Maintain Flexibility and Adaptability
Be adaptable: Financial circumstances can change due to career changes, children, or health issues. Be ready to adjust your financial plans as life evolves.

By approaching finances as a team and prioritizing clear communication, couples can work together to avoid financial challenges and build a stable financial future.

Why Budgeting Alone Won’t Make You Rich
Budgeting controls spending, but…
You can’t save your way to wealth—you must invest!
Focus on increasing income & investing smartly.

Budget wisely, but don’t stop there!

#SmartMoneyMoves #WealthBuilding #InvestingTips #FinancialGrowth