INTRODUCTION.
For you to eat the fruit of your labour, you must first
of all, sow your seed of labour. Whenever a seed is
mentioned, what most people remember is farming.
If you want to put it that way, we are all farmers
because, you must eat to survive and to eat, you must first have to buy and if you have money to buy,
that money to buy must come from a harvest of an
effort or call it labour from work done in your job or
business. If all you do from the money you earn is
just buy and buy and buy, then you have laboured
to squander all your seed. In every salary or income you receive, there is seed
for investment and money for eating or buying. It is
difficult to get out the seed, but you must do it
because that is your investment for a future buying
and eating.
To adequately reap, maximally, from investment you have got to stretch yourself, and anytime you stretch
yourself, you cannot remain the same because, there
is bound to be expansion in your finances. Many potential investors are crying out today
because, their investment ambition had always run
into bad weather whenever they had a strong desire
to invest. Most of them blame this on their inability to
find money to invest, that money is in your salary or
every money that comes your way. Even if you are not working, the money is dead inside you, so you
need to wake it up. YOU NEED TO FIND MONEY.
You need to find money for investment, because, the
first step to making your money work for you in an
investment is to get the money into that investment
first.
The search for money could be very complicated. Unlike surfing through the internet where, even if
you do not get the targeted information, you can
always stumble on something good, money search
does not follow this same pattern offline. You must
be determined beyond all odds and stay focused
even when you get to where you can find it. If you take a slow pace, you may never reach your
target. If you are on a fast lane you can hit the
pavement which could even be more fatal. Where do
we start? Those that know the secrets are already
smiling to the bank. MONEY DOESN'T JUST COME.
Looking at why many have found it difficult to find
money for investment, one is bound to conclude that
these persons are yet to discover that money cannot
come until you have a desire to solve a problem and
you don't just stop at that desire. You have to take a step further and begin to solve the problem; then
money would not have any choice but to begin to
flow because money is the reward for solving a
problem. Look! If you don't have a desire to let go of
money, money can't come your way because; Money hates being squeezed.
Money hates being petted.
Money hates being cuddled.
Money hates being loved. Don't forget, the love of money is the root of all evils.
Of all things, it is only money that hates love. Love
gives money but money doesn't give love. If I am
sounding too poetic, why don't you just enjoy the
rhyme? If I am preaching, then grab the message.
The secret of receiving money is first letting go of the little you have. According to the Book of Proverbs,
"There is one that scatters yet gathers but there is
one that withholds and tends to Penury"-The lowest
grade of poverty. Some clinch on to money so much
that they have made it a choice above their creator. If
you love money so much that you are always after it and not the other way round, then get ready
because it may lead you to the world beyond our
earth in which we live. MONEY COMES FROM WORKING.
Do you know that money comes to you after you
have done a good work? Ask Bill Gates how he
made his money. He worked hard in developing his
software to solve other people's problems and
money came. Imagine challenges like; "I don't have a job". Bill Gates created his first job
when he was still in the University and this job cost
him his career as a medical student but this is what
made him his first millions of dollars.
"My job is not giving me enough money". Create
another job in addition to what you are doing presently. Some have used 2 hours of information
scooping after work each day to make millions.
Other spend theirs, in God knows where, obtaining
negative results that send their hard-earned
resources down the drain.
No! This one can't find money for investment. The young man wakes up 7.00am in the morning and
for two hours, cries to his creator to send money
from heaven. What his colleagues do is to wake up
around 5.00am and they are in the streets looking
for ways to solve problems and earn money. After
clearing the house of what is available in terms of food and taking another dose of mid-morning siesta
by 12.00noon, he still has a towel wrapped around
himself with a chewing stick in his mouth. He queues
up with married women and young kids for turns in
the general bathroom, after which he waits for God
to collect money from those who are sweating it out to get some. God will then put this money in a
limousine, drive through the rugged street right in
front of his "face me I face you" room and knock on
his door and say, "my son well done, have this
money for praying so much". Bravo! But it does
work that way. God cannot go against his investment principles; he that does not work eats no
food. God only blesses the work that you do and
multiples it through investment. GOD MULTIPLES YOUR INVESTMENT.
Investment does not respond to how fat your salary
is or how educated you can be, or how many
contracts you are implementing at a time. Neither
does it consider how poverty stricken you look like.
It only responds to a laid down rules and principles of finding of money.
Seed time and harvest time shall not seize as long as
the earth remains. Seed time is planting time, seed
time is the labour time, seed time is time for work,
seed time is stress time, seed time is a time during
which, in spite of abundance, you plant and even when you face scarcity you still go on to plant. The difference between prosperity and poverty is the
seeding time. For those who use that period to eat
their seed, definitely when harvest time comes
poverty will…
Did you squander your entire salary bonus and leave
grant last year? That was the money that you were looking for to do investment but you ate your seed.
You may think poverty is only the absence of money;
when you are not progressing with respect to cash
returns from your asset that is poverty. What are
your assets? Your salary bonus is your asset
because, when you plant it in right place, it will help you to find more money for investment. CREATE THAT TOUGH TIME BUT DON'T WASTE IT.
At the end of every sacrifice is a reward. A young
man, who grew up under the control of his father's
younger sister, had a rough bite of life. Out of all his
aunty's kids, he was the only one under child
slavery. He would go out very early in the morning to sell Bread and Akara and struggle under the
intensive heat of the afternoon sun in the midst of
traffic to sell ice water. And he must come back home
to do all domestic work with all his sales proceeds
going to the aunty to sponsor her own kids. He
never had opportunity of going to school with others even though he had no choice; but then he
never saw the stress as a waste and this became a
focal point for his preparation for him to face a
rugged society. He became the only one outstanding
among the other kids he grew up with, without a
secondary school education; he cleared his GCE at a sitting and went through the University training
himself. Of course he never waited for any job as he
came through that class in the society without
looking for job. Finding money for investment is like passing gold
through fire. Seeding times are not comfort times;
you have to discomfort yourself to invest. You have
to inconvenience yourself to find that money for that
investment. Sometime you need to inconvenience
your family for a time to make them happy for all time.
If you are into cooperative (contribution made by a
group of individuals) and for a full year, you have
stressed your finances, pleasure and comfort to meet
up and when it is time to receive your cash, all you
can ever think of buying is a video tape, then you have invested into liability, with the need to spend
more buying video tapes or renting from video
clubs. What a wasted stress; that's what I call creating
tough time and wasting it. This one can't find money
for asset building investment. I would rather think
that that your money were mine, it will not only help me find more money for investment but it will also
help me to generate enough returns to buy the
video. STEPS TO FINDING MONEY FOR INVESTMENT.
Pay all outstanding debt.
Stay out of new debt.
Cut down domestic expenditure.
Suspend all irrelevant capital expenditure.
Tighten up all free spending. And many other money consuming negative things. To some, this could be an uphill task, isn't it? But
those that know the secrets are already smiling to
the bank. "Every Nigerian is a potential investor",
true or false? True. "Most Nigerians are actually
investing", true or false? True.
But why are we having a great number of those who have worked hard for many years but can neither
make a reasonable impact in terms of investment
asset nor have resources to fall back on when they
resign from active service? Why are so many young
men having lucrative jobs and when they are
suddenly retrenched, they don't have anything to fall back on? They go back to square one especially in
the face of early retrenched and lay-offs in the
banking sector, for instance.
Why is it that so many Nigerian couples, at the early
stage of their marriage, life goes smoothly with
abundance of comfort, but when it's time to take responsibility and train up their kids in higher
institutions, life become sour?
Why are so many medium and small scale income
earners finding it hard to do small savings that can
lead to installmental investment or portfolio build
ups? This is because they are dust bin investors. DUST BIN INVESTORS.
Well, the answer to all these is quite simple. All these
categories of people are actually investing no doubt,
as long as they are having money coming their way
no matter how small, the question you should ask is,
where are they investing into? Survey shows that 80% of Nigerians invest into the
waste dust bin.
Yes! They are dumping their salaries into the
garbage can. Most Nigerians are wasters and wasters
are not investors.
"But we virtually buy and live on Tokunbo products, how can we then be wasting what that is already a
waste?
That is the point. The guys who are dumping
Tokunbo goods on you are no wasters, right from
the days of Okirika clothes till date; they have been
making cool money by dumping their waste on you. Sometime, we want to think that the white man
throws his waste into the garbage can. You are
wrong, because, they have never thrown it in the
garbage can and left it there. They have a good
recycling programme.
As far as I am concerned, there is nothing like waste in nature. Jesus said "Pick up all the crumbs" and it
filled up 12 baskets-almost 100% of the initial seed
(5 loaves and 2 fishes). What we waste is always
more than what we use, so can you please curb that
waste?
And do you know that 60% of Nigerians dump one third of their annual incomes in the dust bin? How?
If one third of every meal you prepare is uneaten but
dumped in the dust bin with an excuse of not being
able to consume all, it could even be over-feeding
due to excess availability. And you are into real
waste. Look! If you are able to cut down your domestic
expenditure (DOPEX) by 30% through waste
reduction, you are bound to find money for
investment, no matter how small that money is. HOW DO YOU DO THIS?
Write down your different income chains-base
income, side income, part-time income and salary
income.
Write down all your domestic expenditure no matter
how small. Write down your regular expenditure.
Write down your capital expenditure-any one that
falls into the month.
Accumulate your daily expenditure into weekly
expenditure by closing your weekly expenditure
accounts. Put emergency expenditure on hold.
Draw a monthly analytical table and itemize domestic
expenditure (weekly) into the table.
This alone will surprise you on how indisciplined that
you have been over the years. CARRY YOUR FAMILY ALONG, IF YOU HAVE ANY.
I have heard things like "Darling I want to eat suya"
after a well satisfying night meal. N500 goes for
suya, if this occurs six times in a month, it is gulping
N3, 000 which is enough to buy over N3, 000 units
of any insurance stock now in their kobo stages. What a wasteful future investment asset for extra
cholesterol today! Let them call you a stingy accountant who measures
yam to be cooked for dinner with a tape. It is better
measured now to prevent wastage and save money
for investment, than to lack yam when it is time to
feed more mouths in the house. Money is a seed for
investment and multiplying investment must need a good soil or an instrument that can multiply your
money for your future wealth. Wealth is built not
stumbled upon.
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