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“…Justice, the problem no be to rent house, na to renew the rent be the problem…” That was how Mr Jay responded when I begged him to help me look around his neighbourhood for a good apartment I could rent as I just got married and needed a better place for me and my wife. I later got to discover that Mr Jay was not the only one that held that opinion, most people actually believed that statement and I have come to see that the opinion is popular because of what many have seen and encountered in the area of rent payment. Rent is not a new word and therefore does not need to be defined here (my opinion). Every one of us is either leaving in a rented apartment, owns an apartment which people are living on rent, or knows any of the parties mentioned above. Stories of fights between landlords and tenants over the inability to pay rent as and when due are all around us. Come to think of it, is rent payment actually supposed to be a problem? Yes I understand the unpredictability of life’...

First of all, let us even try to get a simple definition of the word ‘debt’. It is an amount of money borrowed from one party to another . There are other forms of debt that are non-monetary, but we are dealing on the part that has to do with money. The definition above keeps the issue of debt pretty indifferent, i.e it is neither good nor bad. It is just an exchange of money between two parties with a promise for repayment from the collecting party to the giving party. Simple right? Not necessarily. If you have followed the other articles(quote) in this series, you would understand that statement better. The problem I have come to discover most times is not in the collection, it is in the paying back and that to me most likely is the reason debt has become a big issue. But does that mean that we shouldn’t borrow money? Are we now saying that we do not need to leverage on other people’s money (OPM) to take advantage of some opportunities in life and solve some problems where we lack t...

Your purpose - you don't know. Your Talent - you can't harness.  Your potential - you can't maximize. Money - you can't manage. Office department - you can't manage Business - you can't start. Ministry - you can't start. The only thing you can do well is to start a boy and girl relationship. It is time you start asking yourself some serious life questions. Ask someone for help today. Your pastor, mentor, senior friends, sensible and 'successful' friends etc. Parents. Read books, do something about your life.Don't wait till tomorrow. ASK FOR HELP TODAY!

In our third article in this series, we saw some NATURAL reasons why people get trapped by debt. I emphasized the truth that life sometimes throws some curve balls at us and our inability to catch the balls sends us and our finances the wrong way into debt. I also want to be clear on it that some life events could be so hard that it could wipe off all we have ever tried to gather. But my point is this, it is better to have an initial financial backup to confront the attack first. If there comes any reason why further financial resources that are above your capacity will be required, you can then source for help from other sources like friends and family, associations, etc (But by then, it would have been clear to all that you didn’t go down without a fight).  And there are proven principles that are guaranteed to guide just anyone who cares to build a financial backup. Understand the laws that guide money. “My people perish for lack of knowledge.” Hosea 4:6. “...and ...

Come to think of it. How would you feel getting to the end of your life only to discover that you did not fully maximize the potentials that God put inside you? At that point, your excuses won’t matter because you would see ways you could have circumnavigated every ‘limitation’ you had. Don’t wait to get to that point. Throw all your excuses into the trash can and stretch yourself. Even if the future is looking bleak,  ...you can't connect the dots looking forward, you can only connect them looking backwards...  You won’t know how strong, tenacious, mentally alert, patient, humble, skillful, intelligence, assertive, wise, and coordinated etc, you could be until you begin to stretch yourself beyond your present capacity. Believe me, you have more potentials in you that you could ever imagine. You have it all in you. All you need is just to give yourself an opportunity to become a better you. Therefore, Take that risk today, Make that call, Read ...

In our Last article , I talked about ways to start your journey to becoming debt free. Those steps majorly deal with our general disposition to debt. How you see a thing plays a huge role in how you relate with it. You can never be debt free as an individual until you see debt for what it truly is. Here, we will be looking at how to get out if you ever find yourself in debt, no matter how deep. You can actually come out from any debt bond you find yourself in but there are things you have to do. So let us get down to them. 1.) Have a clear statement of your assets and liabilities: I mentioned something similar to this in the last  article , but from another angle. See what Prov 27:23 says "Be sure you know the condition of your flocks..." You must be able to state clearly what you own and owe, channels through which money comes to and goes from you. How regular you get money and spend money, i.e daily, weekly or monthly should not be left out. You must be able to...