WHERE DO YOU START FROM

There are many ways one can employ to achieving one's goal. You have to be honest, upright and righteous and the most important of it all is having strong faith in one's capabilities. It is the hope of every man to achieve greatness, hence we are motivated by two inevitable impulses of repulsion from sorrow, therefore we crave to seek joy and absolute fulfilment. In the quest to embrace all happiness, man is compelled to run after the enjoyable and agreeable. But one important fact here is that the acquisition and possession of wealth is NOT the thermometre to measuring one's happiness.
THE PRINCIPLES OF WEALTH ACCUMULATION
The fact remains, that all achievers whether consciously or sub-consciously have succeeded by using what some call the code of conduct of Wealth Building, which I have listed below:
Truth
Righteousness
Peace
Love
The practice of these code of conduct will make any man achieve his desired goals in life. We must bear in mind that the methods employed by different individuals in their accumulation of wealth may be distinct, but the goal is just one to all and steps spoken earlier on and the ones still to be said are in effect your tools to your success and wealth accumulation.
Now, one of the most important thing is identifying the talents, attribute and capabilities in us and how to develop, exploit and explore them, the modus-operandi on implementing them in ourselves. you must try as much as possible to utilize at least one of the talents God has given to you, also you should know that the most supreme fundamental principle is to understand that our success depends solely on us. thus poverty and prosperity depends on these Cs - Character, Creativity, Capabilities, Courage and Confidence.
You need very strong will power to develop your God given talents including the five Cs. With courage and confidence alone complete transformation can take place which will lead you to success, while the opposite will bring sorrow and despair. Without courage and confidence you cannot go far.
When you have a powerful idea, with the five Cs you will succeed, Character is your person, Creativity is developing your talent/s, Capability is your ability to develop your God given talent/s, then with Courage and Confidence the sky is your limit. But when you have negative attitudes, everything stops in the tracks and the idea that looks wonderful becomes a complete failure and crumbles.
Before you set out for your wealth accumulation drive, you need to have courage and confidence and there should never be a conflict within you whether what you are about to set out for will be a worthwhile concepts or not, when your mind says one thing and your intellect and intuition says another. Your mind, intellect and intuition should always follow the same path to success. if you are undecided before setting on your journey, invariably the end is an imminent disaster because of your indecision. Success they say lies in what we make of it and not what we think it should be.

WEALTH ACCCUMULATION DRIVE

For any man to succeed, he needs to involve his spouse in his wealth accumulation drive. See every hour as a messenger willing to deliver whatever good message you post on it. I know you will want your hours to be miracle working hours, making money for you. Therefore take an inventory of every hour of the day. Examine the messages you have posted on each.
There is this anonymous saying that: "A typical marriage is where the husband keeps his mouth shut and his cheque open. While a model marriage is one in which the wife is the treasurer and the husband the treasury."
Your wife may be your savior in financial matters. You should know that GOD did not give you a partner to become a liability to you. Rather your spouse should be an asset to you, to compliment your efforts to achieve your desired success. Many men keeps their wives completely out of their financial affairs, which is rather unfortunate.
If the woman in your life is your GOD ordained wife, she would surely want you to succeed and that is guaranteed. Your woman would always prevent you from committing costly financial mistakes. GOD has Blessed women with very sensitive antennae, hence they can sense danger from quiet a distance. But in most times they find it difficult to explain, but they know when danger lurks in the corner. Therefore it is in the best interest of any man who wants to succeed,to listen to his wife when she makes suggestions. She may be your saving grace, that would save you from unnecessary heartache and from committing avoidable financial suicide.
That is why most informed millionaires don't leave their spouses out of their financial decisions, they always carry them along when making major financial decisions. Nevertheless if you think that your wife is not up to the standard you want of her, it is your sole responsibility to brush her up to the level where you think she can match you in terms of mental development. You should make sure that your spouse always play an active part in your financial matters. Sit your wife down regularly and discuss matters with her, sell your vision to her. Get to know hers as well and assist her to achieve her dreams to the best of your ability.
Let me rap it up with this strong one from RICK WARREN: Nothing matters more than knowing God's purpose for your life, and nothing compensates for not knowing them- not success, wealth fame or pleasure.Without a purpose, life is motion without meaning, activity without direction and events without reason. Without a purpose, life is trivial, petty and pointless.

BECOMING WEALTHY IS YOUR PERSONAL RESPONSIBILITY

Quite a number of people think that to be wealthy is the responsibility of their employers; NO, that is an illusion, it is your sole and personal responsibility to achieve financial freedom and become wealthy.With your employer you are just on contract to do your job while he pays you whatever he deems fit as your deserving wage in return, so what you do with your financial future is your absolute responsibility.

INVEST FOR THE RAINY DAY: The first indication of financial crisis is when you spend all your earnings.This is one habit anybody who desires financial freedom must shun. No matter how small you earn for a living, don’t make a habit of spending everything. You should leave something for the rainy days. You can even see the ants labor through the day during the summer and during the rainy season, they have enough to fall back to.

DON'T EVER RELY ON A SOURCE OF INCOME; THREE MORE WILL DO. Most people make the mistake of depending solely on their monthly salary without making attempts in building alternative sources of income. They get relaxed due to their fat pay cheques and other benefits, not minding that the party could end one day.

When such people are suppose to be enjoying their retirement in wealth, suddenly realizes that they have not built enough cushion to take care of them in retirement. This pushes such individuals to look for paid employments or even lobby their former employers for assistance after retiring. It is rather important to start building other source of income to complement the existing one early.

Use your spare hours profitably. Use your weekends, instead of partying or visiting friends, most of the worlds wealthy people built there wealth during their spare times. I am not saying that you should cheat your employers by using your official hours to conduct your personal business. All I am saying is rather than go partying after office hours and the weekends, find something profitable to do. Yes most wealthy people have used their spare times to build business empires for themselves. The problem is that most people can not endure temporary inconveniences; they are not willing to pay the necessary price to achieve financial freedom.

All good things have a price. Are you ready to pay the price to achieve financial freedom? Are you ready to stop impressing your friends and start sorting your financial future? Always ask yourself that, if you quit your present job, would you be able to maintain your current standard of living? Those who fail to ask themselves this question frequently are the ones after quitting their present job comes back begging to be reabsorbed. If you must work, then the very day you collect your first salary is the day you should plan to live without the salary.

You should work towards what people call passive income. With that you most have built enough wealth that will keep on generating more money whether you are sleeping or awake. And this is how to work out your financial freedom.

Building Real Wealth Part 6

TREAT A CENT AS YOU WOULD TREAT ONE MILLION DOLLAR

Track and control your expenses first as stated in the earlier parts, people who cannot track and control their expenses cannot build Real and Lasting Wealth. Now if you really desire to build Real and Lasting wealth you must as a matter of fact treat a cent with the same degree of respect you would treat a million dollar. Because God does not tolerate waste in any form He will hold you accountable for every cent that He permitted to pass through your hands, I tell you wealthy people treat a cent with the same degree of respect they would treat a million dollar.

There is a wise saying that says: "There are many nerves in the human body, but the most sensitive is the one that leads from the brain to the pocket book". That is the more reason why you should keep records of your financial expenditure properly. Do not put these records in your memory as your memory is meant for imaginations and not for keeping financial records. If you read the book of Habakkuk in the Holy Bible, we were asked to write down our vision and make it plain to people.

You cannot acquire Real and Lasting Wealth until you learn to document every cent you spend and track the trend of your expenses.

The same thing applies to every income that comes your way, you must document the source and dates. It's only by writing your expenses down and analysing them that you can know whether you are spending your money on the right items or not. By writing your income and expenses, you can prepare a personal financial balance sheet which will be a snapshot of your financial status at any given point in time. By writing down your transactions, you can prepare an income statement which will enable you match your expenditure with your income, with this you can easily determine if you are approaching the red signals.

God wants us to have complete control over the money He had given us , hence if you loss control over money, you have lost control over this vital item which God had given to you. It is an offence to God for you to allow any money He had allowed to pass through your hands to waste . The point is this , if you are not faithful or thrifty with a cent , you cannot be faithful or thrifty with one million dollars. There is not an informed Millionaire that does not respect the smallest denomination of his/her currency the way he/she would respect the highesdenomination. Money as I said is a spirit and it flows in the direction of those that knows how to treat it. When misused or abused will fly away. Again working with a financial record keeping mentality is the greatest antidote to impulsive spending. Always create a list of your shopping with a budget before you go to buy and try as much as possible to stick to your list.

TIME THE UNIVERSAL CURRENCY

Greatness they say begins with just only one step while TIME is the greatest currency on earth that you need to spend judiciously to attain greatness and acquire Real and Lasting Wealth. You don't need to be from a wealthy background or to be born with a golden spoon in your mouth, before you become a very wealthy millionaire. No special advantage is needed.

TIME is all that is needed to become whatever you desire in life in becoming. Now as mentioned before open what I call FREEDOM ACCOUNT and start saving one tenth of your income no matter how small and whatever extra income or increase that comes your way aside your tithe. Save every other unexpected income that finds it's way into your palm, DON'T spend it and after some months buy shares and start to save all over again; don't procrastinate, start with whatever you have now.

In your match to Financial Freedom, you will come across trying circumstances. You surely will loss money. Friends will betray and scam you. Advisers will confuse you atimes. Each time you fall into these difficulties; don't be discouraged, talk to God in silence and ask God to show you the hidden road to success. You see the wisdom is not in falling at all; it is in standing and coming up stronger again each time you fall. That is why I said that what we call mistakes or failures are not failures, but points and platforms for us to make amends or for God to bring out a particular strength in us or to take us to the direction He wants us to follow in life.

When you read the Holy Bible and see the travails of Joseph in the hands of his elder brothers and see how Joseph was sold into slavery to some rich merchants from afar, but God just wanted to bring out the talent in Joseph and to place Joseph on the path HE had wanted him to follow to attain what He wanted Joseph to attain in life. There are several aspect like this in the Holy Bible that one can make references.

Don't invest in things that are in the real sense of it serious liabilities, which we believed are assets, like unnecessary purchase of two to three cars, expensive Home Theater etc. All of these are mere liabilities and not assets. You must learn to shun impulsive spending, when you buy on impulse, the tendency is that you spend far more than your budget. This is not good enough, if you are actually serious at building Real and Lasting Wealth.

If you really want to be wealthy, all you need do logically is to study the habits of wealthy people and practice them religiously, with TIME you will certainly succeed. But if you violate the principle of wealth accumulation like spending more than you earn, refusing to save consistently and accumulating liabilities rather than assets, you should not expect to be wealthy, rather you are setting yourself on what I call Financial Crisis.

Even God built this world on principles, nobody directs the sun to rise and set, nobody also detects it to rain and stop, etc. If you toe the laid down principles in any area of your life you surely will get your desired results.

LEARN TO SAVE AND LET YOUR SAVINGS WORK FOR YOU

Start NOW by saving one tenth of your income, aside your tithe and after some few months invest your savings into the area you are most familiar with. Don't try it in a business you know little or nothing about. You can find somebody who has made a success in your area of interest and let him/her coach you to success too because a business coach will always prevent you from making severe mistakes, he/she will provide the necessary work map and compass for easy navigation and this will enable you achieve your target faster by cutting curves.

If you actually desire to become a wealthy millionaire, you must set a specific target as mentioned in part 3, on the level of wealth you intend to accumulate. You should know what it will boil down to when broken down to a day, a week, a month and in a year and you know how many years it will take you to get to your target, might be say ten or fifteen years. When you desire plenty of wealth with all your heart a Higher Power will gladly throw all that you need to succeed on your path.

Mind you most people think that their wealth is measured by the amount of money they have in their vault or bank account, NO. To measure Real and Lasting Wealth, it is the number of times your passive income can comfortably take care of all your expenses, especially after you stopped working and the number of people that can trace their development and success to you be you a Christian or Muslim because WEALTH SHARED INCREASE RAPIDLY.

Hence as you set on your journey towards acquiring Real and Lasting Wealth, put all your trust and finances in God, for He will never let you make foolish mistakes. With all your professional know how and your intellect you can still fail but with God guiding you , you can never fail.

The purpose of acquiring wealth is much more than the wealth itself. Why do God wants to bless us? He blesses us so that we can be a source of blessing to others. When you finally make it, each morning always ask yourself how you can glorify God with what he has given you, by blessing somebody with your money. You know why, it's because God is the only source of Real and Lasting Wealth hence I am telling you that we are all mere stewards of God's money. We all came into this world with nothing and no matter how wealthy we might be we shall all leave with nothing.

If you fail to utilize whatever wealth God entrusted to you properly, be it trillions, all will vanish, it cost God nothing to take all the wealth away from you within a very short period, just with one little calamity, before you know it all is gone. But when you glorify God with your wealth, by blessing people, He will give you divine ideas. And just one divine idea if handled and executed religiously, can give you an everlasting stream of income.

CHANGING YOUR PRESENT CIRCUMSTANCES

If you really desire to have real and lasting wealth, then you must change your present circumstances, you will have to work on your inside. To do that, you must first change the dominant picture in your mind because what you picture vividly in your mind will always come to be. As mentioned earlier on, when you seriously desire a thing, Higher Power Steps in to make it a reality. Because the Holy Bible says that GOD will grant the desires of our heart, so when thinking or dreaming let these thoughts or dreams be Big and Positive always. Don't think that it's impossible to think and dream big for it to be real. I will tell you there are no impossible GOALS but only unrealistic deadlines.

When you are in the process of Building Honest and Lasting Wealth, you encounter different types of situations and there are some you think are mistakes. These perceived mistakes always contain one or more seeds of Fortune if viewed closely. That is why I honestly believed that those things we call failures, are not failures at all, rather they are points and platforms either for us to make amends which will bring out the talents in us or for GOD to bring out a particular Strength in us that will take us to the direction He wants us to follow in life.

POWER OF IMAGINATION

Visualizing your future the way you want it, will make that future a reality. Thoughts are things, there is a sort of stream of consciousness up there that is always helping you by directing your thoughts, when you harness this consciousness in a way, and you get what you want (provided they are positive things). You can always affect the future from the present through this universal consciousness. By setting your brain into an alpha brain wave state, you can picture what you want there, like a wealthy person........ You will head towards the direction of that picture you created in your head.

There are several ways to visualize. You can visualize in solitude; while relaxing etc. Visualize yourself living the most pleasant life and having your loved ones mailing around you, you will move up the ladder bit by bit. You must get used to the idea of visualization and get more affective with your thinking and the major thing is to get started.

Start creating specific pictures of Money-Bulging-Pocket, Successful and a Wealthy Person. If you can keep up with your visualizations, you ultimately become that picture, which you have visualized vividly in your mind. You just have to start by taking the right and specific action. Set a specific target for your money because it is by setting the right and specific targets and actions can you realize real and lasting wealth. If you fail to set specific targets, you might not realize it when the opportunity comes.

As mentioned earlier on in part 2, you have to learn to control your expenses before you go in search of more money. Those things we all call "Necessary Expenses" will always grow to equal or surpass our income, except one puts a stop to them, that is by keeping accurate records, listing your expenses in order of priorities and see to it that those things that are actually not necessary are done away with. At this point we can now start talking of how to make more money and build steady and lasting wealth.