50 HABITS OF HIGHLY CREATIVE PEOPLE
1. THEY OBSERVE CLOSELY
Creative people notice the details others overlook and draw inspiration from everyday life.
2. THEY ASK QUESTIONS CONSTANTLY
They are curious about how things work, why things are the way they are, and what could be done differently.
3. THEY EMBRACE SOLITUDE
Spending time alone helps them reflect, brainstorm, and incubate ideas.
4. THEY KEEP A JOURNAL
They write down thoughts, observations, dreams, and ideas regularly for future use.
5. THEY CARRY A NOTEBOOK EVERYWHERE
They never let ideas slip away—jotting them down immediately.
6. THEY EXPERIMENT FEARLESSLY
Creatives test new concepts without fear of failure.
7. THEY LEARN FROM FAILURE
They treat mistakes as stepping stones to success.
8. THEY DAYDREAM PURPOSEFULLY
They allow their minds to wander, often discovering new ideas in the process.
9. THEY PLAY REGULARLY
Playfulness stimulates imagination and innovation.
10. THEY VALUE ORIGINALITY OVER CONFORMITY
They prioritize uniqueness and resist the pressure to follow the crowd.
11. THEY SURROUND THEMSELVES WITH INSPIRATION
Art, books, colors, or music—they create an environment that sparks creativity.
12. THEY COLLABORATE
They know that great ideas can come from diverse perspectives.
13. THEY CHALLENGE ASSUMPTIONS
They don’t take things at face value—they question the status quo.
14. THEY EMBRACE AMBIGUITY
They are comfortable with uncertainty and unresolved ideas.
15. THEY SCHEDULE THINKING TIME
They set aside time specifically to think, brainstorm, or meditate on ideas.
16. THEY LIMIT DISTRACTIONS
They focus deeply, often turning off devices or isolating themselves when creating.
17. THEY FOLLOW THEIR PASSIONS
They pursue what excites them, which fuels their creative energy.
18. THEY READ WIDELY AND OFTEN
Exposure to different subjects, genres, and styles feeds their imagination.
19. THEY LISTEN ACTIVELY
They pay attention and learn from the thoughts and experiences of others.
20. THEY KEEP AN OPEN MIND
They consider unusual ideas and approaches without immediate judgment.
21. THEY TAKE RISKS
They aren’t afraid to take creative leaps or face rejection.
22. THEY CULTIVATE PATIENCE
They know that great ideas often take time to develop.
23. THEY TRUST THEIR INSTINCTS
They rely on intuition to guide creative decisions.
24. THEY PRACTICE MINDFULNESS
They stay present and aware, which heightens sensitivity to inspiration.
25. THEY STAY CURIOUS
Their constant desire to explore keeps their creativity alive.
26. THEY LIMIT PERFECTIONISM
They allow room for imperfection and focus on progress rather than flawlessness.
27. THEY MEDITATE OR PRAY
Some use spiritual or calming practices to center themselves and boost insight.
28. THEY SEEK OUT NEW EXPERIENCES
Travel, hobbies, and unfamiliar settings help them think in new ways.
29. THEY THINK VISUALLY
They sketch, map, or visualize their thoughts to process ideas differently.
30. THEY BREAK ROUTINES
They intentionally change habits to stimulate fresh thinking.
31. THEY TAKE BREAKS
Resting helps renew the mind and encourages creative incubation.
32. THEY PRACTICE THEIR CRAFT DAILY
Whether writing, drawing, or coding—they build skill and confidence through consistency.
33. THEY FIND PATTERNS IN CHAOS
They make connections where others see disorder.
34. THEY USE METAPHORS AND ANALOGIES
They explain concepts by relating them to other known ideas creatively.
35. THEY LIMIT THEIR TOOLS SOMETIMES
Constraints often spark greater creativity by forcing innovation.
36. THEY TEACH OTHERS
Explaining ideas clarifies their own thinking and stimulates new ideas.
37. THEY EMBRACE VULNERABILITY
They’re willing to share their authentic selves, which brings emotional depth to their work.
38. THEY CELEBRATE SMALL WINS
They find joy in small breakthroughs that motivate bigger achievements.
39. THEY COLLECT THINGS
Books, quotes, images, or objects—collections serve as a creative reservoir.
40. THEY EXERCISE REGULARLY
Physical movement boosts mental clarity and creativity.
41. THEY USE MUSIC STRATEGICALLY
Music inspires mood, focus, and energy depending on the creative need.
42. THEY PRACTICE GRATITUDE
Appreciating life boosts positivity and openness to ideas.
43. THEY REFLECT ON THEIR WORK
Regular reflection refines their ideas and creative direction.
44. THEY FOLLOW A MORNING ROUTINE
Structured starts help focus energy and intention for the day.
45. THEY DREAM BIG
They envision possibilities beyond current limits.
46. THEY CREATE FOR THEMSELVES FIRST
They prioritize authenticity and self-expression over popularity.
47. THEY BUILD CREATIVE RITUALS
Habits like lighting a candle or drinking tea help trigger creative flow.
48. THEY PRACTICE DISCIPLINE
Creativity requires consistent effort, not just bursts of inspiration.
49. THEY HAVE A GROWTH MINDSET
They believe abilities can be developed through effort and learning.
50. THEY NEVER STOP LEARNING

Latest quantitative mining project, automated trading, daily earnings up to 22%, easy to earn 3,489+USDT, click to join us!

Daily selection of USDT and top-quality cryptocurrency projects to help you grow steadily. Invite friends to share additional earning opportunities!

IRNA News Agency:
Domestic affairs not delayed by indirect talks with the United States: President Pezeshkian

Tehran, IRNA – President Masoud Pezeshkian says indirect negotiations between Iran and the United States is progressing in a normal and routine manner, without delaying or hindering the country's affairs.

🖇 en.irna.ir/news/85805327/

@Irna_en

Iran condemns continued U.S. attacks on Yemen

Tehran, IRNA – Foreign Ministry spokesperson Esmaeil Baqaei has strongly condemned the continued U.S. airstrikes on various areas in Yemen, which have resulted in death and injury of civilians while causing significant destruction to homes and infrastructure.

🖇 en.irna.ir/news/85805339/

@Irna_en

Foreign minister to visit Russia on Thursday: Ambassador

Tehran, IRNA – Iran’s ambassador to Russia says Foreign Minister Abbas Araqchi will arrived in Moscow on an official visit on Thursday.

🖇 en.irna.ir/news/85805468/

@Irna_en

Army, IRGC are strong fortress to shield Iran from external threats, says top commander

Tehran, IRNA – Islamic Revolution Guards Corps (IRGC) Chief Commander Major General Hossein Salami has described the Iranian Army and IRGC as a strong fortress to defend the country.

🖇 en.irna.ir/news/85805414/

@Irna_en

IAEA chief arrives in Tehran on official visit

Tehran, IRNA – Director General of the International Atomic Energy Agency (IAEA) Rafael Grossi has arrived in Tehran for talks with officials.

🖇 en.irna.ir/news/85805556/

@Irna_en

Palestinian resistance groups warn against Israeli efforts to Judaize Al-Aqsa Mosque

Tehran, IRNA –Palestinian resistance groups, Hamas and Islamic Jihad, have warned against repeated attacks by Israeli forces and settlers against Al-Aqsa Mosque which they say are aimed at Judaizing Islam’s third holiest site.

🖇 en.irna.ir/news/85805536/

@Irna_en

Iran calls for bolstering defense and military cooperation with Tajikistan

Tehran, IRNA – The chairman of the Chiefs of Staff of the Iranian Armed Forces, in a meeting with Tajikistan’s Defense Minister Lieutenant General Emomali Sobirzoda, has expressed Iran’s readiness to increase cooperation with Tajikistan in the defense and military fields.

🖇 en.irna.ir/news/85805565/

@Irna_en

Foreign Minister Araghchi welcomes Director General of the International Atomic Energy Agency Rafael Grossi here in Tehran.

@Irna_en

Foreign Minister Araghchi is meeting with Rafael Grossi chief.

@Irna_en

Iran dismisses Britain allegations as unfounded

Tehran, IRNA – Foreign Ministry spokesperson Esmaeil Baqaei has vehemently rejected recent accusations leveled by the British administration against Iran, denouncing them as unfounded and politically motivated.

🖇 en.irna.ir/news/85805842/

@Irna_en

Foreign minister heads to Moscow for high-level talks

Tehran, IRNA – Foreign Minister Abbas Araqchi has departed for Moscow to engage in discussions with senior Russian officials.

🖇 en.irna.ir/news/85805935/

@Irna_en

An Israeli attack on refugee tents in Khan Yunis, southern Gaza Strip leaves 23 people dead.

@Irna_en

Foreign Minister Araghchi is welcomed upon his arrival in Moscow.

He will be delivering a written message from Leader of the Islamic Revolution Ayatollah Seyyed Ali Khamenei to Russian President Vladimir Putin.

@Irna_en

AEOI chief meets visiting IAEA head in Tehran

Tehran, IRNA – Vice-president and Head of the Atomic Energy Organization of Iran (AEOI) Mohammad Eslami has met with Director General of the International Atomic Energy Agency (IAEA) Rafael Grossi in Tehran.

🖇 en.irna.ir/news/85806058/

@Irna_en

Saudi defense minister arrives in Tehran

Tehran, IRNA – Saudi Arabia’s Defense Minister Prince Khalid bin Salman Al Saud has arrived in Tehran on a significant visit.

🖇 en.irna.ir/news/85806167/

@Irna_en

Araqchi: Leader’s message to President Putin focuses on regional and international developments

Moscow, IRNA – Minister of Foreign Affairs Abbas Araqchi says that he is in Moscow to deliver a message from Iran’s Leader Ayatollah Seyyed Ali Khamenei to the President of Russia, Vladimir Putin, adding that the message pertains to international and regional developments, as well as bilateral issues.

🖇 en.irna.ir/news/85806215/

@Irna_en

Major General Mohammad Baqeri, chairman of the Chiefs of Staff of Iran’s Armed Forces, officially welcomed Saudi Arabia’s Defense Minister Prince Khalid bin Salman Al Saud here in Tehran on Thursday.

@Irna_en

Rafael Grossi leaves Tehran for Vienna

The director general of the International Atomic Energy Agency left Tehran for Vienna after meeting with Foreign Minister Abbas Araqchi and Head of the Atomic Energy Organization of Iran Mohammad Eslami.

He was also ushered to visit an exhibition of Iran’s achievements in the nuclear industry.

@Irna_en

IAEA chief says threatening to target Iran’s nuclear facilities is unacceptable

Tehran, IRNA – Rafael Grossi, the director general of the International Atomic Energy Agency (IAEA), says that the IAEA has consistently emphasized that threats to target nuclear facilities are unacceptable.

🖇 en.irna.ir/news/85806298/

@Irna_en

Iran expects the I.A.E.A. to maintain impartiality and professionalism

Tehran, IRNA – The head of the Atomic Energy Organization of Iran (A.E.O.I.) says that Iran’s consistent expectation from the International Atomic Energy Agency (I.A.E.A.) is to uphold impartiality and professional conduct.

🖇 en.irna.ir/news/85806320/

@Irna_en

Saudi Arabia’s Defense Minister Prince Khalid bin Salman Al Saud met with Ali Akbar Ahmadian, the secretary of Iran's Supreme National Security Council, on April 17, 2025.

@Irna_en

Ayatollah Khamenei says that the relations between Iran and Saudi Arabia will benefit both nations and that the two countries can complement each other.

@Irna_en

Leader of the Islamic Revolution: The enhancement of ties between Tehran and Riyadh faces opposition. Hostile intentions must be overcome, and Iran is fully prepared to do so.

@Irna_en

Araqchi meets Putin in Moscow

Moscow, IRNA – Russian President Vladimir Putin meets with Foreign Minister Abbas Araqchi.

🖇 en.irna.ir/news/85806448/

@Irna_en

MBOMUZO IN OKWUOHIA AUTONOMOUS COMMUNITY,
OBOWO L.G.A., IMO STATE, NIGERIA.
Okwuohia is a Community in Obowo
L.G.A., of Imo state, Nigeria, that has enviable rich historical background and deep cultural heritage. Okwuohia is the only community in Obowo and the old ETITI District that has four markets covering the four market days in Igbo calendar, namely: Eke, Orie, Afor and Nkwo. All these have distinct locations and hold accordingly.
The community prides herself with many cultural festivals which include Mbomuzo, Ntumaka, Nrim-ji (Iri ji) among others. But the one that attracts people in their numbers to the community is, "MBOMUZO", a-k-a "NKUISI-MKPURU-UKWA".
MBOMUZO simply means, "clearing of the roads ", otherwise known as environmental cleansing, especially with regard to roads leading to traditional centres and matket places. It is intended to make the roads passable again in order to give proper access to the markets and homes of citizens.
In Okwuohia, all roads are cleared very thoroughly starting from individual homes to the Eke-Okwuohia, Orie-Okwuohia, Afor-Okwuohia and Nkwo-Okwuohia market squares. Also, roads leading to major and significant rivers are cleared. For instance, the Onu-iyi-lolo-nwanyi (Onu-ngele) stream at Umuduru Mgbakam is usually kept cleared for the "AHIA-NGANGA" ceremony by the women of Okwuohia during the same period. It has to be noted that all the road clearing and cleansing must be completed on or before the NKWO market day preceding the EKE market day of the ceremony.
NKUISI-MKPURU-UKWA: As said earlier in this write-up, MBOMUZO Okwuohia is also referred to as NKUISI-MKPURU-UKWA. Why?
Ours, is an agrarian community. In those good old days, our people cultivated yams, coco-yams, maize, cassava and mkpokoro in large scales. Farming was done more at locations far away from homes. Due to this, farmers constructed make-shift structures there in the bush/farms, where they rested and had their meals during the toils of the day. Most times, people returned to their homes very late in the evening. Major foods eaten in the farms those days were bread-fruits (Ukwa), palm kernels, yams and coco-yams. The bread-fruits were eaten whole without removing the the shells or the outer covers. Farming took place between the months of January and May, during which period farmers fed on any available food items. When such farmers returned to their homes from their farms in the month of May, they settled down to enjoy more pleasant and well prepared food. They would no longer eat the bread-fruits with their shells. Also, they cleaned their environments that had been left bushy during the period of intensive farming activities in the farms. From their homes, clearing and cleansing progress to the roads that lead to other homes and traditional centres. At this time, people begin to exchange visits with relatives and friends both far and near to show that they have returned home after the farming period in the bush. Such visits are usually reciprocated. During such visits, entertainments are unlimited based on the dispositions of the parties involved. In Okwuohia, after the entertainment at home, people gather at the designated market square to demonstrate it the more. The venue is usually at the ORIE OKWUOHIA, where the EKWIRIKWE music music is played and danced in an organized manner.
EKWIRIKWE MUSIC AND ORDER OF DANCING:
After the presentation and blessing of kola-nuts by the traditional ruler of Okwuohia, who declares the ceremony open after his speech and brief demonstration of the dance, the ceremony begins. Ofeiyi people, who are the custodians of the EKWIRIKWE do a brief demonstration dance. Thereafter, the traditional order of seniority of the three sections of Okwuohia is strictly observed thus: MGBAKAM, OFEIYI and AMARAMOHIA. Finally, a general dance which is usually longer and more thrilling comes up and marks the end of the ceremony.
The EKWIRIKWE music delivers messages which present Okwuohia as place with people of remarkable mutual respect, prowess and noted for wrestling. EKWIRIKWE music is used to caution Okwuohia people not to eat the bread-fruits with the shells again after the Mbomuzo. Hence, "ONYE ATALA UKWA NA MKPEKELE" and "NKUISI-MKPURU-UKWA". This is demonstrated by hitting one's back-side to symbolically discharge the ones eaten previously. Before the EKWIRIKWE dance arena is approached, people sing various songs and dance along the road according to Age Grades, socicultural groups and sections.
MBOMUZO AND THE PRONOUNCEMENT OF DATE.
Only the Eze of Okwuohia, in consultation with you Traditional Council has the powers to announce the date for MBOMUZO every year. Above all, it is a known fact that Okwuohia community is the first among all the communities in Obowo and even the old ETITI District to perform Mbomuzo every year, thus determining the cultural calendar for other communities that perform the same and or related festivals.
Mbomuzo holds in Okwuohia on the second EKE-Okwuohia market day in the month of June every year. Visitors, friends, in-laws and well -wishers of the community visit the community to enjoy the characteristic hospitality and conviviality associated with the ceremony. Entertainment items are unlimited especially according to the preparedness of the individual families and persons during the period. Such entertainment items include and not limited to polished bread-fruit meals, maize pudding, cassava foo-foo, oil-bean pudding and different kinds of drinks.
PROBLEMS:
The festival has suffered from various problems which include but not limited to wrong perceptions, misrepresentation, misconception, ignorance, ineptitude, iconoclasm and apathy. Many, especially the less informed and the neo-religious groups strongly hold to the perception that that the festival is fetish and wasteful (especially those who are not willing to spend their resources to host guests).
ADVANTAGES:
The period leads to keeping the surroundings clean, re-union of families, friends, in-laws and well -wishers, tourist attraction and advancing our cultural heritage including ensuring the acquisition and development of the EKWIRIKWE playing and dancing skills.
In the good old days, women who earnestly took part in the road and market clearing and cleansing and later took part in the AHIA-NGANGA activities after bathing on serious intents at the Onu-Lolo-nwanyi (Onu-Ngele) stream, would appear at Mbomuzo the following year either pregnant or as nursing mothers if they either prayed for or desired such thereby.
MODIFICATIONS SO FAR:
Since culture is dynamic, efforts have been made by the leadership of Okwuohia community, over time, to modify certain aspects of the festival and programmes there-of in order to exponge some questionable and undesirable aspects of it. For instance, the timing and declaration of the date of the festival are now done by the Traditional ruler of Okwuohia in synergy with the Traditional Council. Also, no shrine or deity is either worshipped or honoured before, during and even after the festival. Most times, the traditional rulership open the festival with Christian thanks-giving worship at an agreed Christian church here in Okwuohia.
CONCLUSION:
In line with the realities of the present moments, efforts should be made to allow for acceptable modifications while there should be insistence on protecting and upholding the soul, spirit and purports of the cultural heritage of our dear Okwuohia community especially as regards affects MBOMUZO.
Written by:
Chief Emma C. Anyanwu, (DIKEMBA),
1st Traditional Prime Minister and Currently the Chairman of Okwuohia Traditional Council,
Being a lecture presented by me at the 2019 edition of MBOMUZO festival, at EKE-OKWUOHIA Market Square.

FISCAL DISCIPLINE, REVENUE DIVERSIFICATION CRITICAL FOR SUSTAINABLE DEV.- GOV UMO ENO

... as Senate President applauds his leadership style

Akwa Ibom State Governor, Pastor Umo Eno, has emphasized on the need for states and local governments to embrace fiscal discipline and revenue diversification to achieve sustainable development.

The Governor stated this while delivering a public lecture on the theme: "Leading Economic Development in Sub-Nationals of the Nigerian Federation: The ARISE Agenda," at the University of Uyo.

He noted that the ARISE Agenda was borne out of the desire to grow the economy while developing abundant human resources in the State, focuses on eight lofty goals including; Poverty reduction, Job creation, Price stability,sustainable economic growth, improved standard of living, environmental sustainability, highly educated, healthy and skilled people, and the Security of lives and property

He further explained that the ARISE Agenda, a flagship economic blueprint that guides his administration's development efforts, is an acronym for ‘five-group aspirations’: Agricultural Revolution, Tourism Development and Environmental Management; Rural Development, Women & Youth Empowerment; Infrastructural Maintenance and Advancement; Security Management, Sound Educational and Health Sector Management; and Economic, Industrial and Social Advancement

The Governor who holds a Doctorate degree in Public Administration from the University, said that since the inception of his administration, wastages in government have been minimized, and the government is determined to expand its revenue base by digitalization of government operations.

"Soon, we will launch AKWAGIS, a digital platform where we will be collecting ground rent, which as we speak is in the region of N16 billion. Through this platform, we will be able to seamlessly offer Certificates of Occupancy, which would help attract businesses to our State.

"We are also investing heavily in the tourism sector that has been variously described as the “New Black Gold.” From agricultural tourism, through our Ibom Model Farm, to medical tourism, with our planned Ibom International Medical Centre - a 200-bed hospital that will come with 24 different departments under one roof. This hospital, once completed, will compare to any such facility anywhere in the world.

"The ARISE Resort, which we hope to commission in the first half of this year, the International Conference Centre, the Ibom Tropicana Hotel, which we are poised to complete will signpost our ascendancy as the tourism hub of our nation and bring in billions of Naira in revenue.

" We remain committed to the growth and expansion of Ibom Air and work is ongoing in the Aviation Village, as part of our investments in the aviation eco- system.

"We are committed to the human capital development of our people and this has been acknowledged by the Federal Government and the World Bank, leading to the launch two days ago, of the Human Capital Development Strategic Plan by the Vice President, Senator Kashim Shettima, GCON.

"We have achieved a success rate of 3.5% out of school children, against the national average of 25.6% - a truly remarkable feat.

"We are positioning our State for growth beyond oil by these strategic investments in tourism and human capital development," he said.

The Governor said to ensure the success of economic development in sub-nationals, policymakers must develop action plans before implementation, strengthen governance and institutional capacity, enhance internally generated revenue (IGR) to reduce reliance on federal allocations, promote regional economic cooperation and trade among states, encourage private sector-led development through investment incentives, and focus on collaboration rather than conflicts.

He appreciated the crafters of the ARISE Agenda, and expressed his determination to go the extra mile to further development in the State, while urging policymakers, corporate bodies, the academia, and citizens to join hands with him in the journey towards a prosperous, self-reliant, and globally competitive sub-national economy.

In his remarks, the President of the Nigerian Senate, Senator Godswill Akpabio applauded the Governor for his inclusive leadership disposition which according to him has engendered unprecedented peace and security in the State.

Senator Akpabio who was represented by Dr. Saviour Enyiekere, Chairman of the National Assembly Service Commission (NASC), also commended the Governor for his collaboration with the President Bola Ahmed Tinubu-led Federal Government, and assured of the support of the All Progressives Congress in the State to ensure the Governor's second term victory in 2027.

Chairman of the Occasion, Emeritus Prof. Akpan Ekpo, the University Vice Chancellor, Prof. Nyaudoh Ndaeyo and the Dean of the Host Faculty, Faculty of Social Sciences, Prof. Christopher Ekong as well as Dean of the Faculty of Communication and Media Studies, Prof. Peter Esuh appreciated the Governor for accepting to share his thoughts through the public lecture, stressing that the ARISE Agenda is a comprehensive document that can drive development in the State and other sub-nationals.

The event which attracted eminent personalities within and outside the State, had as discussants, Prof. Okechukwu Onuchukwu, Vice - Chancellor, Ignatius Aguru University of Education, Rivers State, and Prof. Ebebe Ukpong, a development expert and former Commissioner in the State.
______________________________________

I'm Kokoette Michael your EduPurpose Coach.

I speak, I mentor and educate undergraduates and individuals to pursue excellence, discover purpose, and build skills for global influence.

Follow me for More!!!

The power of words in shaping your reality
~by AkaGod Emmanuel

Absolutely! The "poor man's mindset" can often lead to a cycle of negativity and inaction. When you tell yourself, "I can't," you essentially limit your potential and close the door on opportunities for growth and problem-solving.

Here are a few ways to shift your mindset and focus on positive change:

1. **Change Your Language**: Instead of saying "I can't," try saying "I will try" or "I haven't found the solution yet." This opens the door to exploration and encourages a problem-solving attitude.

2. **Embrace Challenges**: View challenges as opportunities to learn and grow, rather than obstacles. This shift in perspective can motivate you to take action instead of retreating.

3. **Set Small Goals**: Break larger problems into smaller, manageable tasks. Celebrate the small wins to build confidence and momentum.

4. **Positive Affirmations**: Use affirmations to reinforce a growth mindset. Remind yourself of your strengths and capabilities regularly.

5. **Surround Yourself with Positivity**: Engage with people who inspire and uplift you. Their positive energy can be contagious and help you shift your outlook.

6. **Take Action**: The best way to combat a negative mindset is through action. Take small steps toward your goals, and you'll begin to see progress.

7. **Reflect and Adapt**: Take time to reflect on your experiences. Learn from setbacks and adapt your strategies instead of giving up.

Changing your words and, by extension, your mindset can indeed transform your life. Embrace a growth-oriented perspective, and you'll find that many challenges are surmountable with the right approach!

#changing your words
#unvieling uncommon shift
#interaction with reality

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.

LESSONS FROM LIFE...

1. Not everyone will clap for you when you succeed. Do it for yourself, not for validation.

2. Holding grudges is like carrying extra weight on a long journey. Let it go and move lighter.

3. A partner who genuinely supports you is a blessing—don't take them for granted.

4. The biggest mistake you can make is lying to yourself. Be honest, even when it's uncomfortable.

5. If you're the one people rely on, don't expect the same from those who depend on others.

6. Focus on your dreams, not on impressing people.

7. Your 20s are for building, your 30s for enjoying the foundation you laid. Make the right investments.

8. Peace is priceless. Let go of anything that steals it.

9. Silence is a weapon. Use it wisely.

10. Take care of yourself. Looking good isn’t about showing off, it’s about self-respect.

11. Some people will root for your failure because they feel stuck in their own lives. Ignore them.

12. Being kind is great, but don’t let people take advantage of you.

13. Losing people isn’t always a loss. Losing yourself while trying to please them is.

14. Keep your moves quiet until they’re finalized. Premature announcements invite unnecessary energy.

15. Love wisely. Heartbreak is expensive—therapy isn't cheap.

16. Your mindset shapes your reality. Keep it positive.

17. Social media is full of illusions. Don’t let it make you envy a life that isn’t real.

18. Treat yourself on your birthday. No one owes you a celebration.

19. Fear is the biggest barrier between you and success. Take the risk.

20. Rushing the process will only ruin your progress. Trust the timing of your life.

21. Some people aren’t worth reaching out to, even in desperation. Choose your sources wisely.

22. Skills and knowledge are investments that will never fail you. Keep learning.

23. Love with wisdom, not blindness. Protect your heart.

24. Be your own biggest supporter. You’ll always have yourself.

25. Some people return just to see if you’re still naive.

FISCAL DISCIPLINE, REVENUE DIVERSIFICATION CRITICAL FOR SUSTAINABLE DEVT -GOV UMO ENO

... as Senate President applauds his leadership style

Akwa Ibom State Governor, Pastor Umo Eno, has emphasized on the need for states and local governments to embrace fiscal discipline and revenue diversification to achieve sustainable development.

The Governor stated this while delivering a public lecture on the theme: "Leading Economic Development in Sub-Nationals of the Nigerian Federation: The ARISE Agenda," at the University of Uyo.

He noted that the ARISE Agenda was borne out of the desire to grow the economy while developing abundant human resources in the State, focuses on eight lofty goals including; Poverty reduction, Job creation, Price stability,sustainable economic growth, improved standard of living, environmental sustainability, highly educated, healthy and skilled people, and the Security of lives and property

He further explained that the ARISE Agenda, a flagship economic blueprint that guides his administration's development efforts, is an acronym for ‘five-group aspirations’: Agricultural Revolution, Tourism Development and Environmental Management; Rural Development, Women & Youth Empowerment; Infrastructural Maintenance and Advancement; Security Management, Sound Educational and Health Sector Management; and Economic, Industrial and Social Advancement

The Governor who holds a Doctorate degree in Public Administration from the University, said that since the inception of his administration, wastages in government have been minimized, and the government is determined to expand its revenue base by digitalization of government operations.

"Soon, we will launch AKWAGIS, a digital platform where we will be collecting ground rent, which as we speak is in the region of N16 billion. Through this platform, we will be able to seamlessly offer Certificates of Occupancy, which would help attract businesses to our State.

"We are also investing heavily in the tourism sector that has been variously described as the “New Black Gold.” From agricultural tourism, through our Ibom Model Farm, to medical tourism, with our planned Ibom International Medical Centre - a 200-bed hospital that will come with 24 different departments under one roof. This hospital, once completed, will compare to any such facility anywhere in the world.

"The ARISE Resort, which we hope to commission in the first half of this year, the International Conference Centre, the Ibom Tropicana Hotel, which we are poised to complete will signpost our ascendancy as the tourism hub of our nation and bring in billions of Naira in revenue.

" We remain committed to the growth and expansion of Ibom Air and work is ongoing in the Aviation Village, as part of our investments in the aviation eco- system.

"We are committed to the human capital development of our people and this has been acknowledged by the Federal Government and the World Bank, leading to the launch two days ago, of the Human Capital Development Strategic Plan by the Vice President, Senator Kashim Shettima, GCON.

"We have achieved a success rate of 3.5% out of school children, against the national average of 25.6% - a truly remarkable feat.

"We are positioning our State for growth beyond oil by these strategic investments in tourism and human capital development," he said.

The Governor said to ensure the success of economic development in sub-nationals, policymakers must develop action plans before implementation, strengthen governance and institutional capacity, enhance internally generated revenue (IGR) to reduce reliance on federal allocations, promote regional economic cooperation and trade among states, encourage private sector-led development through investment incentives, and focus on collaboration rather than conflicts.

He appreciated the crafters of the ARISE Agenda, and expressed his determination to go the extra mile to further development in the State, while urging policymakers, corporate bodies, the academia, and citizens to join hands with him in the journey towards a prosperous, self-reliant, and globally competitive sub-national economy.

In his remarks, the President of the Nigerian Senate, Senator Godswill Akpabio applauded the Governor for his inclusive leadership disposition which according to him has engendered unprecedented peace and security in the State.

Senator Akpabio who was represented by Dr. Saviour Enyiekere, Chairman of the National Assembly Service Commission (NASC), also commended the Governor for his collaboration with the President Bola Ahmed Tinubu-led Federal Government, and assured of the support of the All Progressives Congress in the State to ensure the Governor's second term victory in 2027.

Chairman of the Occasion, Emeritus Prof. Akpan Ekpo, the University Vice Chancellor, Prof. Nyaudoh Ndaeyo and the Dean of the Host Faculty, Faculty of Social Sciences, Prof. Christopher Ekong as well as Dean of the Faculty of Communication and Media Studies, Prof. Peter Esuh appreciated the Governor for accepting to share his thoughts through the public lecture, stressing that the ARISE Agenda is a comprehensive document that can drive development in the State and other sub-nationals.

The event which attracted eminent personalities within and outside the State, had as discussants, Prof. Okechukwu Onuchukwu, Vice - Chancellor, Ignatius Aguru University of Education, Rivers State, and Prof. Ebebe Ukpong, a development expert and former Commissioner in the State.

Staying around friends that has positive influence in your life has good progress in you becoming successful

I celebrate every single achievement,course is a sign of progress.....#Amazetv #youtube #gada. Please follow my channel let connecthttps://www.youtube.com/@AMAZETV-3

Maybe the world handed you a report card that left you disappointed.

Your heart feels heavy.
But listen: you’re still growing.
You’re still becoming.
Seasons change—and your time to bloom "will" come.

Stop believing the lie that you’re “not enough.” You are. Right here. Right now.

You’re not where you want to be yet. But look back—you’re not where you "used" to be, either. That’s progress. Own it.

Close the gap between where you are and where you want to go.

How?

Discipline. Learning. Humility.
Take one step. Then another. No shortcuts.

Ignore the noise shouting, “You’re falling behind!” Close your eyes to what others are doing. Their success isn’t your failure. Let it inspire you, not shrink you.

You’re allowed to want more.
You’re allowed to move fast.
But never skip steps.
Strong foundations take time.
Trust the process.

Today, remind yourself:
I am enough.
I am growing.
I will keep building.

Wishing you a great and productive week.

© Godlove NJISONG

The National Vice Chairman (North West) of the ruling All Progressives Congress. APC, Garba Datti Muhammad has advised the former vice president, Atiku Abubakar, and the former Governor of Kaduna State, Nasir El-rufai to perish their ambitions for 2027.

Datti, a lawmaker, who hails from Kaduna State and served as a member of the House of Representatives representing Sabon Gari Federal Constituency for 16 years, stated this in an open letter to Atiku.

Check comment section for more…