Getting Money Is One Thing… But Knowing How to Manage It? That’s the Real Power. Getting Money is Easy… Keeping It? That’s Where the Game Is. You don’t need millions to grow wealthy — you need discipline, direction, and a plan. Here are 10 no-nonsense money management tips to help you stop going broke even when you're earning: --- 1. Pay Yourself First Before you touch that paycheck, save at least 10%. Your future self will thank you. 2. Track Every Shilling Know where your money is going. Budget apps or a simple notebook can expose your silent money leaks. 3. Cut Emotional Spending Buying things just to “feel good” will leave your account feeling empty. Control the impulse. 4. Live Below Your Means Just because you can afford it doesn’t mean you should. Peace of mind > flexing. 5. Build an Emergency Fund Start with KSh 10,000. Life happens — don’t let one crisis wipe you out. 6. Set Money Goals Saving for nothing leads to spending on everything. Save with purpose: land, car, business, etc. 7. Invest Wisely Don’t let your money sleep in the bank forever. Learn to invest — even if it’s small. It grows. 8. Avoid Bad Debt Borrowing for lifestyle, not investment, is a trap. Know the difference. 9. Set Clear Financial Goals Saving without a goal is boring. Whether it’s a business, plot, or trip — give your money a mission. 10. Learn About Money Read books, watch YouTube, follow finance creators. Money grows when knowledge does. 11. Invest Consistently Don’t wait for millions. Start small — money working for you beats money just sitting. #nakupenda #Utom58 #De_NextVerYou #MONEY

*THIS IS LIFE* You arrived naked, you will pass out naked. You arrived without goods or money, you will pass out without goods or money. Your first bath?, someone has washed you, your last bath?, someone will wash you. Why so much *malice* ? Why so much *hate* ? Why so much *envy* ? Why so much *spite* ? Why so much *resentiment* ? Why so much backbite? Why so much jealousy? Why so much selfishness? Let's be good to each other. Let's do the right things. This earth is market, we are all going back home. We have limited time on earth. DO NOT WASTE YOUR TIME ON USELESS THINGS. ALSO USE UR TIME TO INVITE UR PEOPLE TO JOIN NAKUPENDA 🥰 #happiness #AWESOMEGOD

**Track Every Penny You Spend*** You can’t manage what you don’t measure. Tracking your expenses reveals the habits and patterns draining your money. *What to Do*: • Use simple tools like a notebook or free apps like Wallet or Spendee. • Review your daily and weekly spending. Highlight non-essential expenses you can reduce. #Paddylay #Passion

THE IGBO ENTREPRENEURSHIP SYSTEM - The Strategy That Built Obi Cubana Have you ever wondered … How did the Igbo people rise from losing everything after the war, to becoming one of the most entrepreneurial tribes in Africa? Let me tell you a story. So After the Nigerian civil war, the Igbos were left with nothing. According to history, people who had thousands in their accounts were only given £20. Businesses destroyed. Hope shattered. That’s how the new system treated them; broke, broken, and abandoned. They didn’t sit down and complain. They started again. From scratch. From the ground up. That's the spirit of the Igbo Chi. But they didn’t do it alone. They used a system, one powerful principle: “Never Leave Your Brother.” If you’re selling biscuits and need to buy Lipton, you go to your brother’s shop. Even if his price is a bit higher ; you still buy from him. That’s how Igbos built their own economy from inside. They called it “Onye Aghala Nwanne Ya ” - "Don’t leave your brother behind." This was more than business. It was survival. It was loyalty. It was strategy. They built communities. They trained one another through apprenticeship (Igba Boi). They lifted each other from trenches to triumph. They created chains of value - and chains of trust. And no one represents this model today better than Obi Cubana He started small - one nightclub in Abuja. But he didn’t rise alone. He surrounded himself with people he empowered , and they, in turn, empowered him. Today, many of his “boys” are millionaires, and they’re all still connected. That’s what made his mum’s burial a historic moment it wasn’t about showing off, it was about community wealth. Now His 50th birthday was a blast. From Business Men to superstars to sports players they all gathered to pay homage . You might wondering what a popular pastor was doing at the event ? He is Igbo right ? He came to pay homage to his brother who built from scratch. That’s the Igbo system. Build. Empower. Don’t leave your brother. That's why Anywhere you see an Igbo person there must be a community. That's how the Igbos grow ❤️ That's how they were able to bounce back and become the most proporous ethnic group in Africa As Obi Cubana celebrates his 50th birthday, I see more than a successful man. I see a case study of Igbo resilience, strategy, and communal growth. If you're building something today, I want you to ask yourself: Are you lifting others as you rise? Are you creating value or just chasing money? Are you building a system, or are you walking alone? Because wealth built alone is fragile. But wealth built in brotherhood is eternal. Obi Cubana didn’t just make money. He made men. He made systems. He made history. And that, my friend, is the secret of Igbo entrepreneurship. Start now to build men. #Utom58 #De_NextVerYou

SOMETHING SHOCKING HAPPENED TODAY. (Nor be everybodi ok o) I went to Air-force base in Ikeja today to see a colleague. So when I was going, I enter a bus to oshodi, When the car moved , I asked the conductor how much "He said 500" I said I paid but I paid 300naira while coming, why the sudden new high price?? And he started abusing and calling me Oloriburuku, ashawo, you don't have money you dey enter motor.😳 People in the bus were surprised and started wondering if he knows me before or we have personal issues.😀 At that moment, I was already boiling inside me😡 but I tried as much as I can to control my emotions and remain calm.🤦🏼‍♀️ After everything the driver intervened and calmed situation. 🙏 When we got to Oshodi, the conductor jumped out of the bus (the way they use to) and he immediately slumped on the ground 😳. Knowing that something is wrong, I rushed to apply CPR on him but he wasn't responding, so the driver rushed him to the hospital, which I and of the passengers followed him. When we got to the hospital, the doctor checked him and said he had a heart attack and his pulse stopped before we came. 💔 We sympathize with the driver and went our separate ways.🥺 As I got home, my head was full of different thoughts,🤔 "What if I had threatening him? What if I reacted when he was abusing me.?🙆 One thing we all should learn from this is how to control our emotions no matter the provocation.✍️ No matter the provocation, don't beat or threaten anyone, you can doesn't mean you should, not everybody is alive out there‼️ There are many walking corpse out there looking for who will klll them, learn from this so that you won't become a victim. Copied #chinosky #grace

Always thank God for the gift of life, every day, because life can't be bought with money. God is the giver of life.

Money does not matter in times like this, because money can't buy rest of mind##knowledge#

Practical Things Anyone Can Do To Push Poverty Out of Their Lives Poverty isn't just about a lack of money—it's often tied to a cycle of poor choices, limited knowledge, and deeply ingrained mindsets. But here's the truth: with the right strategies, information, and daily actions, anyone can rise above poverty and build a more stable, prosperous life. #PADDYLAY

Will you marry for love or money?

The art of Silence..... The skill of walking away..... These are the two best skills we need to master in life..... Many has lost their time, money and even their lives seeking for closure...... My dear, learning when to move on is a skill we need to develop or ask God for the ability to master it.... No explanation is needed.... Just walk away and keep walking... #freshbabe. #consistency #nakupenda

“Davido charged me 8 billion Naira to be a brand ambassador for my company. I was very surprised and asked him why, and his reply inspired me to take my personal branding seriously. He sat me down and told me he had brand deals with Puma, J.M. Motors, and Martell worth billions, and for him to become my brand ambassador, he would have to consider my brand like his own company and carry it on his head. He told me to imagine how much energy I would put into promoting my company if I were an influencer, then imagine him using that same energy to promote me and evaluate if it’s not worth the price he is asking. There were other artists like Burna Boy and Wizkid I could go to, but I knew Davido is that one person who works for brands he is an ambassador for like they’re his own. At the end of the day, my talk with Davido completely shifted my mindset from getting influencers to work for me if they won’t work like it was their own brand. I invested that same money into building a personal brand for myself, and today, I see my conversation with Davido as life-changing” — Blord reveals! Honestly speaking, there is no brand ambassador in Nigeria who works like Davido. Before getting to Davido, Martell worked with Burna Boy and didn’t see results. When they signed Davido, Martell became the highest-selling cognac drink in Nigeria. Before coming to Davido, Puma worked with Wizkid, but when Davido entered, every collection they did with him was sold out before it even dropped. Davido’s influence is so unreal!