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.

It begins
For the dreamers

#70hourschessmarathon
The One Who Wears Big Caps for Little Children.

These are my final thoughts before I hand over my phone to management. The team says I need to sleep.
But before the world goes quiet around me, allow me say a few things…

It’s my second time doing this insane thing of trying to break a world record.
You’d think it would be easier now,after all I’ve done it before. But that’s the thing about impossible things:
The first time, you survive them because you don’t yet understand the cost.
Now that I’m fully aware of the exertion it takes both physically and mentally, I’m equal parts excited and terrified. I embrace both.

Today I’ll tell you why I always wear a cap…

The night before I left Nigeria for this journey, something happened.

It was 9pm on a Tuesday night.
I was at the mall picking up some last-minute items.
Two boys, scruffy and barefoot approached me at the car park.
They were hungry and hadn’t eaten all day.
I asked their names.
“Yusuff,” said one. “Ayomide,” said the other.  Both young teenagers.
As I turned to check for cash in the car, the light hit my face and Yusuff immediately recognized me and blurted out “Chess players observe,”
I was stunned.
That was our mantra at Chess in Slums, it was what we taught the kids. I asked how he knew this, he explained that he had seen me months prior at their ghetto.
This made sense as we had spent the entire month of December teaching chess and maths to street children in that ghetto. Yusuff wasn’t part of the training but on the day of the final tournament, he watched from a distance as the other kids chanted “chess players observe”. It stayed with him ever since.

He told me his story.
His mother died during childbirth. His father disappeared.
He lived with his ailing grandmother for sometime but had to leave for the streets to fend for himself. It’s been five years of trying to survive in his own
Five years of growing up too fast…He is 15 years old now.

Then, something surreal happened.

A white Range Rover pulled up beside us.
A woman rolled down the window, “Chess master!” she called out.
She stepped out with her son Jayden.
Impeccably dressed. British accent.
She wanted a photo. Jayden loves chess.
She’s a fan.

So there they stood, Jayden and Yusuff.
Both teenagers.
One in branded sneakers. The other barefoot.
One polished by privilege. The other hardened by survival.

As I asked them to introduce themselves,
Yusuff’s confidence crumbled.
He looked down. His voice faltered.

I took a selfie with Jayden and his Mum, and as they drove off I had my epiphany….

And in that moment, I saw it:
The cruel reality of the world we live in
where a boy like Jayden and a boy like Yusuff would never meet
except by accident or because I happened to stand between them.

But what separated them wasn’t merit or character, It was birth. The arbitrary lottery that decides who gets to dream,
and who must survive.

Jayden will likely go on to attend the best schools, see the world, and live fully. While
Yusuff probably ends up doing the bidding of whoever can promise him his next meal.
An Area boy.

I have met thousands of bright eyed children like Yusuffs in this life, whose pain is invisible, and by no fault of theirs live in a world where their suffering doesn’t matter.
Sometimes, we save them.
Sometimes, we fail.
But I will never stop carrying this burden in my heart.

This is why I wear big caps for little children and wear one my self.
So the world may see them in all their colors, not for the suffering they bear,
but for what I know they can truly become.

I hope have shared this burden with you as honestly as I could.
If you ever believed in me, believe in them.
Cheer for them. Donate. Share. Amplify.
We are trying to build the largest free school in Africa.
A sanctuary for every child like Yusuff
where their dreams won’t die quietly.

I do this so their dreams may find validation in my sacrifice.

I have to go now, big day ahead. Gotta make it count.

"Nemo Judex In Causa Sua; No one should be made a judge in their cause.

50 LIES NIGERIAN WOMEN TELL MEN

1. "I’m fine." – When she’s actually upset and wants you to figure out why.

2. "I’ve never been with anyone like you." – She says this every time, and you think you’re special.

3. "I don’t need money, I’m okay." – Until the next shopping spree.

4. "I’m not interested in your friend." – But she’s been flirting with him on social media.

5. "I love surprises." – She only loves them if they’re the right kind of surprises.

6. "I don’t know how to cook." – Until you see her preparing a full course meal for her friends.

7. "It’s not a big deal." – When it’s actually a huge deal, and she’s really mad.

8. "I don’t want anything for my birthday." – But she’s secretly expecting an expensive gift.

9. "I’m not like the others." – A line she uses to make herself seem different, but... really?

10. "I’m busy." – She’s actually busy chatting with her friends or browsing Instagram.

11. "I’m not hungry." – Until you start eating, then she suddenly wants your food.

12. "I don’t mind if you’re friends with your ex." – But she’s side-eyeing you every time you talk about her.

13. "I’m not jealous." – But she’s checking your phone every five minutes.

14. "I’m not a materialistic person." – She’s just waiting for the designer bag.

15. "I’ll be ready in 5 minutes." – Which turns into an hour.

16. "I love your friends." – But deep down, she can’t stand them.

17. "I don’t care what you do for a living." – But she’s judging your career based on your earnings.

18. "I’ve never lied to you." – Even though she’s been caught in a few fibs.

19. "You’re the only one I’m talking to." – But you’ve seen the countless other guys texting her.

20. "I’m not materialistic." – But she only dates guys with the latest cars and phones.

21. "I can pay for it myself." – Until the bill arrives, and she expects you to cover it.

22. "I don’t need help with anything." – But she’s waiting for you to volunteer.

23. "I’m just being friendly." – When she’s actually flirting with every guy in sight.

24. "I’m not ready for a relationship." – But she’s already planning your wedding in her mind.

25. "I don’t like drama." – But she creates it every chance she gets.

26. "I’ve been single for so long." – While she’s had a string of ex-boyfriends.

27. "I’m not checking up on you." – But she knows exactly where you were last night.

28. "I’ll come to your place anytime." – But there’s always a “good reason” why she can’t make it.

29. "I don’t want to rush into anything." – But she’s secretly pushing for commitment.

30. "I’m not looking for anything serious." – But she’s planning your life together.

31. "You’re perfect just the way you are." – But she’s constantly suggesting you change your style or habits.

32. "I’ve never been married." – Even though there’s a divorcee label she’s hiding.

33. "I’m not interested in your money." – But she’s always asking for gifts and financial support.

34. "I don’t mind if you’re busy." – But she’s getting upset that you’re not prioritizing her.

35. "I’m cool with your friends." – But she’s criticizing them behind their backs.

36. "It’s okay, I’m not offended." – When she’s actually deeply hurt by something you did or said.

37. "I’ve never been in a toxic relationship." – But her past relationships were a mess.

38. "I love simple dates." – Until you suggest a low-budget one, then she’s unimpressed.

39. "I can’t do anything for you right now." – When she’s fully capable but just doesn’t want to.

40. "I’m not interested in your hobbies." – But she’s asking you a thousand questions about them.

41. "I like it when you’re quiet." – But she won’t stop talking.

42. "I don’t mind sharing you with other people." – But you can tell she’s possessive.

43. "I’m happy for you." – But she’s secretly jealous.

44. "I’m not keeping track of your mistakes." – But she’s quick to bring them up every chance she gets.

45. "I’m not the jealous type." – But she checks your social media obsessively.

46. "I’ll forgive you, it’s okay." – But she holds grudges for months.

47. "I just want peace." – But she knows how to stir things up just to get attention.

48. "I can live without you." – But she keeps calling and texting, hoping for reassurance.

49. "I don’t like surprises." – Until you show up with flowers and she melts.

50. "I’ve never done anything like this before." – Yet she’s been through this routine multiple times.

When an animal is injured
USA                                  Nigeria

Isaiah 45:3 "And I will give thee the treasures of darkness, and hidden riches of secret places, that thou mayest know that I, the LORD, which call thee by thy name, am the God of Israel"(KJV).
I pray that the spirit of the living God shall dwell with you in Jesus' name. His divine blessing and good treasures shall be yours in Jesus' name. His shield shall be upon you, and His Angels shall surround you always in Jesus' name. As the North is far from the South, so shall failure, sickness, poverty, and misfortune be far from you and your family in Jesus' name. As the walls surround Jerusalem, so shall God surround you with all the great treasures of life from today and evermore, in Jesus Mighty Name.
Good morning. Have a great and blessed day.

Divine Dose for today:


*[DO IT, AFRAID!]*
The feeling of fear is human and normal, but the refusal to act because you're afraid is the evil challenge..
*[NLT- Ezra 3:3 Even though the people were afraid of the local residents, they rebuilt the altar at its old site. Then, they began to sacrifice burnt offerings on the altar to the Lord each morning and evening.]*
Doing the needful is not often without fear, but we must choose to do it anyway. The fear of possible attack did not stop these people from
rebuilding the altar of the Lord as it ought to be built.
What is that project you're scared of venturing? Pray, be led, and do it while afraid. You'll discover it isn't as scary afteral!
Have a pleasantly restful midweek ahead.
God bless you richly.

Thousands Of Nigerian Graduates Barred From National Youth Service Scheme After JAMB Flags Admissions As Fake | Sahara Reporters  bit.ly/3GdzrFp

China’s President Xi Jinping has asked other countries worldwide to fight back against the tarrifs from the USA and to avoid been bullied by the USA

Will African Presidents listen to his advice?

WOW.. I'm speechless

Donald Trump have revealed how Nigeria politicians killed the country economy. Americans government unveils 25 names of Nigerian richest politicians, that stock the public funds they stole in USA. Here are the names of the politicians and their bank.

1,Atiku Abubakar jp Morgan bank New York $12.9billion.

(2)Bukola Saraki America Express bank New York $2.5b

(3) Bala Mohammad, wells fargo bank san Francisco $2.3b.

(4)Ahmed Idris, Citi group bank New York $2.1b

(5)Nadir El-Rufai citi group bank New York, $1.6b.

(6) Femi Adesina, Us bancorp bank Minnesota$1.9b.

(7) Turkur Buatai BB&T bank North California $1.9b..

8)Ayodele Fayose Ally financial bank, $3.5b..

(9)Wike Nyesome American bank. $5.2b..

(10)Lia Muhammadu. Ally financial bank $1.9b..

(11)Sule Lamido, unity Bs bank. $2.6b..

(12) Patience Jonathan bank of America, $11.3b..

(13)Amina zakari citi group bank New York $1.8b..

(1 4) Baba Haruna jauro. Ally financial bank $2.2b.

(15)Umaru Dambatta bank of America, $1.7b..

(16)Aliyu Gusau, Ally financial bank $1.7b..

(17)Babatunda fashola America bank $1.4b.

(18 ) Rotimi Amechi SSA financial bank $1.6b.

(19) Olusegun Mimiko Northern bank AA $4.7b.

(20) Babagana Monguno financial bank Detroit, $1.8b..

(21)Habibu Abdullahi, Us bancorp bank, $1.7b..

(22)Sadique Abubakar state Street corporation bank $1.8b..

(23)Nenadi Usma citi group bank New York $6.3b..

(24)Babachir David lawal BB financial bank $987m.

(25)Aisha hadi sirika AA financial bank $976m..

What a shame.see how PDP and APC are fighting crime and corruption. Forward to many Nigerians let them see how the wicked politicians have robed us and still robbing and led us to recession and hardship. Negative change has killed Nigeria. Nigerian youths must decide 2027

Please share as you read...

Niger Rejects French, Embraces Hausa as National Language in Bold Move Away from Colonial Past.

“This is a cultural rebellion against colonial domination,” said a government spokesperson in Niamey. “Hausa is not just a language; it’s our identity, our heritage, and our future.” The decision aligns with broader anti-colonial measures taken by the junta, including the expulsion of French troops, the renaming of French-named streets, and the withdrawal from the Organisation Internationale de la Francophonie (OIF) in March 2025, alongside fellow Sahelian nations Mali and Burkina Faso.

For many Nigeriens, the change is a source of pride. “French was never ours—it was imposed,” said Mamadou Issoufou, a trader in Maradi. “Hausa is what we live and breathe. This feels like taking our country back.”

Details: https://tinyurl.com/3twx48r9

A day begins a story of a thousand years... I believe with God all things is possible