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Having morning is not the ultimate but knowing and having the knowledge on how to maintain a continuous source of income

Here are some budget hacks to help you save money: Tracking and Planning 1. _50/30/20 Rule_: Allocate 50% of your income towards necessities, 30% towards discretionary spending, and 20% towards saving and debt repayment. 2. _Budgeting Apps_: Utilize apps like Mint, You Need a Budget (YNAB), or Personal Capital to track your expenses and stay on top of your finances. 3. _Expense Journal_: Keep a physical or digital journal to record every purchase, no matter how small. Reducing Expenses 1. _Cut Subscription Services_: Review your subscription services (e.g., streaming platforms, gym memberships, software) and cancel any unused or unnecessary ones. 2. _Cook at Home_: Cooking meals at home can save you up to 50% on food expenses compared to eating out. 3. _Cancel Credit Card Annual Fees_: If you don't use the benefits associated with your credit card's annual fee, consider canceling or downgrading to a lower-fee card. Saving Money 1. _Automate Savings_: Set up automatic transfers from your checking account to your savings or investment accounts. 2. _Take Advantage of Employer Matching_: Contribute enough to your 401(k) or other retirement accounts to maximize employer matching. 3. _Use Cashback and Rewards_: Use cashback credit cards, sign up for rewards programs, and take advantage of sales to earn money back or accumulate points. Smart Shopping 1. _Compare Prices_: Research and compare prices before making a purchase to ensure you're getting the best deal. 2. _Use Coupons and Discounts_: Take advantage of coupons, discounts, and promo codes offered by stores, websites, and apps. 3. _Buy in Bulk_: Purchasing items in bulk can save you money in the long run, especially for non-perishable items. Debt Repayment 1. _Snowball Method_: Pay off debts with the smallest balances first, while making minimum payments on larger debts. 2. _Avalanche Method_: Focus on paying off debts with the highest interest rates first, while making minimum payments on other debts. 3. _Consolidate Debt_: Consider consolidating multiple debts into a single, lower-interest loan or credit card. Long-Term Savings 1. _Emergency Fund_: Build an easily accessible savings fund to cover 3-6 months of living expenses in case of unexpected events. 2. _Retirement Savings_: Contribute to a retirement account, such as a 401(k) or IRA, to build a nest egg for your future. 3. _Invest Wisely_: Invest in a diversified portfolio of low-cost index funds or ETFs to grow your wealth over time. Remember, saving money is a long-term process. Start with small changes and gradually work your way up to achieve your financial goals!

Dear Singles, please come closer 🙏 Relevant Questions You Should Ask During Courtship that May Be seen As Not Important❗ 👌Ask your proposed partner if they SNORE while sleeping😴. Don't look at me that way, it's not bad to snore but you've to know if they do, so you can prepare yourself to enjoy and endure their snoring nature forever. Romantic snoring☺😁 👌Ask them if they observe Morning devotion, so you don't end up praying alone or them telling you that they do their devotion in their heart or workplace. Two of you praying together should be the spiritual goal❗ 👌Ask them if they can sweep, wash, cook, and iron. It might look like they can do it till you ask them and then you will know that they can't or aren't so good at doing it. Then you will have to be doing it ALONE. That's stressing and unprepared of you, you know❓ 👌Ask them if they prefer sleeping with the light on or off. So if you're the opposite of them, you will start adjusting your body system to that😜 👌 Ask them how they react when they are angry. Are they sensitive to jokes, etc? Woooh!! Make person no tell you "Am I your mate?", 'Do you know who I am "🙄 or break plates on top of your head😒. Mbok o❗ 👌 Ask them and make deep inquiries too to know if they are married or have been married before or probably have a child out of wedlock. So you don't wake up one day to the biggest shock of your life and stories that keep touching the heart. 👌Ask them how many times they eat surplus and stored food. Except you want to be cooking every day because your partner no gree eat one particular food twice abi thrice😜 👌Ask them where they start undressing after work😁 Some partners, start from the sitting room. You will find one leg of his socks in the parlour, their bra or tie in the kitchen and their shirt or trouser on the bedroom floor, ewoo❗ 👌Ask them if they prefer sleeping on an arranged or scattered bed. Yes, ask oo. Some partners can comfortably sleep on a scattered bed with their dirty clothes on top and they just won't mind😏. But won't you mind? Abi you fit follow them sleep liadat?🤪 Na liadat fight dey start too😌. 👌 Ask them of their source of income. The kind of work they do. Is there any Plan B or C in case things don't go as you both planned? Ask ooo. You need money to run the affairs of your home❗ 👌Ask them how many children they would need, if children are not forth coming as soon as they expected, what next ❓ Are they open to adoption ❓Will you guys still stick together, Abi Dem go try second wife😳🙆 👌 Lastly, for now, Ask them how they squeeze their toothpaste, from the button abi from the top? Asks oo. Some marriages have been dissolved because of this matter🤦🏽‍♀️. IF they are not virgins! Ask about their sexual life. I won't go deeper on this one but just ask them how many times you can be having sex. I know some sex periods could be so impromptu. Don't look at me that way, I read🙄, for enlightenment's sake because there's nothing wrong with knowing this. Let them know how far your body can manage and respond to the sex moment. (If you already have an experience before salvation) If both of you are virgins Mbok ask oo🙃.....AND don't neglect to ask them about their purpose and vision in life. A visionless home is hopeless. If we take time to observe, we will know that sometimes LITTLE and unnecessary issues cause big misunderstandings in some homes. No question is more or less important during courtship. Courtship is the BEST time to know a bit of everything about your partner, so you can prepare yourself enough for the outcome. Here's me praying for you and me today, May our marriages truly make us happy. May we not regret the choice of partner we finally get to settle with. May our children emulate our goodly and godly lifestyle. May our homes be beautiful ones. May our homes be filled with Love, Security and Trust.🙏 Above all may God be the third cord of our marriages. May there be peace, both internally and externally and May God grant all of us our positive heart desires💯🙏

Create one income source and use it to create more income sources. From one candle light another. Sounds simple but hard to do. One income stream is survival. Multiple income streams are power. Build, reinvest, and multiply-because mple but wealth is never accidental. #survival #streams #wealth #wealthcreation #WealthMindset #wealthbuilding #Income #wealthmanagement #inspire #inspiration #motivation #motivational #motivationalquotes

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FROM ORDINARY TO EXTRAORDINARY "Heroes are ordinary people who make themselves extraordinary."-Gerard Way Almost every great man began small and from somewhere. Every wealthy person was once poor and every professional was once a total newbie. The goodnews is that you can learn anything you need to learn to achieve your set goals and become that great person you wish to become. Everyone who is at the top today, was once at the bottom. In addition to "Grace Factor", knowledge and skills are required in this 21st Century. Every important skill is learnable. To earn more, you must learn more. Choose any of these high income and sought after skills, master it and move your life from ordinary to extraordinary:

Don't trade your body for money. Dear single ladies, don't forget that money has no gender; if you decide to work hard the issue of begging a brother for money will not seen in your agenda. Some of us are not worries about our partner source of income, we don't care how they manage to have all their resources but we are comfortable since money is involve. If you ask some ladies to tell you the kind of man they want, most of our answer will be "Can he take care of me". There's nothing wrong if you decide to ask about his financial strength, but money shouldn't be our number one priority. Many home are broken today not because there's no money. The major problem is, they lack what money cannot buy. Do we have anything money cannot buy? Yes! In relationship there are many things money cannot afford, can we ask ourselves this questions. Can money buy love? Will money give you peace of mind? Can money foster feeling? Money can't even buy attention. Why will you allow your destiny to be tanish in the name of money. Don't trade your body for money, money has no gender, work for it. If your purse is empty, step into the field not into bed, money gotten from the field comes with dignity and pride meanwhile money gotten from the bed often lead to regret, pain and frustration. The goal is to keep the bed undefiled, understand that; You're too expensive You're are the image of God You're too loaded to be wasted.