Good To SEO | Search engine optimization (SEO) Blog News

Product Name: Money Making Business Ideas – Work At Home Career Ideas – Investment ideas – Personal Finance for Beginners – How to Invest in the Stock Market For Beginners –

Click here to get Money Making Business Ideas – Work At Home Career Ideas – Investment ideas – Personal Finance for Beginners – How to Invest in the Stock Market For Beginners – at discounted price while it’s still available…


All orders are protected by SSL encryption – the highest industry standard for online security from trusted vendors.
Money Making Business Ideas – Work At Home Career Ideas – Investment ideas – Personal Finance for Beginners – How to Invest in the Stock Market For Beginners – is backed with a 60 Day No Questions Asked Money Back Guarantee. If within the first 60 days of receipt you are not satisfied with Wake Up Lean™, you can request a refund by sending an email to the address given inside the product and we will immediately refund your entire purchase price, with no questions asked.



My Audible
Audio Books?
Start Listening Now, 30 Days Free

my Amazon Library

my Barnes & Noble Library

my Kobo Books Library

1…. Also
available on Apple iBookStore Library

2…. Also
available on Apple iBookStore Library

247BroadStreet YouTube

my CreateSpace
Paperback Bookstore

Helpful Articles

To Be Financially Intelligent With Money

To Create Wealth With The Extraordinary Power Of Compound

Portfolio Managers Are Investing In Nigeria Stock Market

– The Biggest Revolution In Financial History

You Make Better Investment Decisions in the Nigerian Stock


To Become A Commercial Real Estate King

for Growing Your Wealth


Thinking Everyday

stock market

In African Stocks Like The Nigeria Stock Market


Guide To Investing In Treasury Securities

Stock Market Information

Stock Market Investing: How To Become Rich Like Warren Buffett
And Bill Gates


To Fast Credit Score Repair

is The Perfect Time to Invest in the Nigerian Stock Market


A Fortune In The Finder’s Fee Business

Investors Are Buying Nigerian Stocks

Market Investing

Guide To Owning A Money Making Franchise Business

Best and Most Surefire Way of Building Wealth in Troubled Times

Nigerian Stock Exchange Offers A Recession-Proof Cash Stream

Guide To Making Money With Rare Coins, Postage Stamps And

Rise of Nigerian Stocks on the Nigerian Stock Exchange

of greatest fear offers opportunity


How To Make Your Fiction & Nonfiction Book Work Harder And
Make More Money 

Start Guide To Making Money In The Online Dropshipping Business

Start Guide To Etsy Selling. Snapchat, Instagram And Pinterest
Marketing For Business

Guide To Making Money Online On YouTube For Business Growth

To Starting Your Own Import And Export Business

Very Big And Grow Your Business

To Start A Classified Ads Website For Making Money Online

To Start and Make Money Building Your Own Online Forum

Money by Growing Vegetables and Mushrooms

Money Mаking
in Cаѕѕаvа Fаrming Business – Stаrt аn
Agriсulturаl Recession Proof Buѕinеѕѕ in
Hаrd Timеѕ

To Make Money From Poultry Farming Business

to Make Money with Your WordPress Blog or Website

You Can Make Money From Pig Farming Business

Ways To Make Money From Fish Farming (Catfish, Tilapia)

Money With Compost Manure, Fertilizer

Kernel Oil Processing – Business Opportunities in Red Palm Oil

To Make Extra Money? Get Paid To
Take Surveys


To Make Money in the Oil and Gas Business – (Oil and Gas
Business Opportunities)

Start Guide To Outsourcing Your Business Process To India

Money Making Agriculture Business Ideas in Nigeria – (A Money

5 Website
Hosting Companies To Host a Website or Blog

and Banana Farming: Money Making Agriculture Business Ideas

Goat and Sheep Farming Business – (Surprising Ways to Make

You Can Make Money From Snail
Farming Business

To Make Money in China? Great Money Making Business Ideas in

To Make More Money Online: Ways To Make Extra Money Even With a
Full Time Job Selling on eBay – Complete guide

Wasting Time Looking For a Job, Just Blog it and Start Making
Full Time Income Online

Essential Guide To Personal Success

Side Hustle Small Business Ideas and Opportunities To Make Money
in Nigeria

Business Ideas and Innovative Ways To Make as Much Money as You

to Make Money in India? Amazing Money Making Business Ideas in

to Invest Beyond the Stock Market: Beginners Guide to Alternative
Investments for Income (Latest Money Making Ideas)

Ways To Make Money: Interesting Business Opportunities For
Forward Thinking Entrepreneurs

More Interesting Online Business Ideas? Learn How to Start Making
Money Selling on
Amazon – Complete Guide


Freedom and Wealth Creation Formula: Discover How to Build
Sustainable Wealth and Become Financially Free

So, You Want to Remain
Financially Poor? Great Ways to Become Financially Poor
and Remain Poor

to Start a Business Career Online? The Essential Things You Need
To Know Before You Start a Money Making Internet Business

and the Most Popular Jobs: Seasonal Work, Skilled, Unskilled and
Highly-Skilled Jobs Opportunities in the United States of
America for Foreigners or Immigrants (Top
Jobs Among All Immigrants In The United States Of America)

Healthier Choice: Quick and Ridiculously Easy Ways to Get
Active, Get Healthier, Feel Great, Look Better, Improve Your
Overall Health and Wellbeing Fast (Health & Well-Being Tips)


To Retire Early? How To Plan For Retirement – Here Are The Steps
To Take If You Want To Retire Early (Essential Tips and Tricks)

Ways To Make Money: Here Are Some Business Ideas To Get You
Started (Surprisingly Easy Methods To Make Money)

For Great Investment Ideas To Make Money? Here Are Some Smart,
Profitable and Lucrative Business Investment Ideas You Can
Launch for Cheap

To Get More Traffic to My Website? Effective Ways to Instantly
Get High Quality Web Traffic to Your Website or Blog and Make
More Money Online – (Website Traffic Tips)

Money Making Opportunities: A Creative Guide to Successfully
Make a Full-Time Income Selling on Craigslist (Tips to Make
Money on Craigslist)

Marketing Sales: Make Multiple Streams of Income with Affiliate
Marketing (Work at Home Jobs – Get More Traffic and Sales With
Affiliate Marketing)

Management: Simple Tips to Reach Financial Freedom – Beginners
Guide to Saving Money, Living a Debt Free Life and Retire a

Work From Home Job
Opportunities For Stay at Home Moms and Dads That Are
Easy to Start (Unique Side Hustles Business Ideas and Great
Second Jobs For Extra Money)

Most Lucrative and Proven Side Hustles Business Ideas for
Medical Professionals, Attorneys or Lawyers and Accountants
& Auditors

Unskilled and Highly-Skilled Immigrants Jobs in the United
Kingdom: Britain’s Most In-Demand Immigrants Jobs Revealed –
High Demand Jobs For Foreigners In The United Kingdom (Jobs In
The United Kingdom For Foreigners or Immigrants)

Role As Money: Gold Standard Perspective On Financial Systems
And The World’s Economy – The Most Perfect Monetary System –
(The Gold Standard is a Better Monetary System)

Invest In Nigeria? Reasons Why You Should Invest In The Nigerian
Economy – (Best Investment And Business Opportunities In

Ultimate Pinterest Strategies: Pinterest Strategies to Quickly
Grow and Drive Huge Traffic To Your Website or Blog – Make
Pinterest Work For Your Business (Pinterest
Marketing Tips and Strategies)

To Run a Successful Email Marketing Campaign: Using Email To
Promote and Grow Your Business – (Must Have Tips To Create a
Successful and Effective Email Marketing Strategies)

On YouTube: How To Make Money Online Through Vlogging On YouTube
– (Tips
To Get Started Making Money Vlogging)

African Vacations: The Most Amazing and Popular Travel Destinations
to Visit in Africa (Tourist Attractions in Africa)

To Invest In Africa? The Top 6 Most Attractive African Countries To
Invest Your Money And Reasons To Invest In Africa – (African
Countries With Good Investment Potentials)

Most Attractive Countries In Asia To Invest Your Money – Investment
Opportunities in Asia

Opportunities in Africa: How You Can Build Sustainable Wealth
Investing in Africa (Ways to Build
Wealth in Africa)

Investment Opportunities: Most Attractive Offshore Locations To
Invest Your Money (The World’s Top Offshore Countries To Put Your

Before You Invest Your Money: Absolutely Important Things To Ask
Yourself Before Investing – (Invest Your Money Safely)

of an Immigrant or Foreigner in the United States of America – (Immigrant
Experience in America)

for Beginners: Simple Practices to Help You Reach Your Investment
Goals – Build Your Investment
Portfolio to Maximize Returns

I Really Make a Living by Blogging? How
Much Money Can I Make Blogging?

for Wealth: Why Didn’t They Teach Me How to Manage Money in
School? Your Simple Guide to Personal Finance and Financial
Abundance (Here’s the
book you never had in class)









There are several instances that can lead to a personal
financial crisis. This can be bankruptcy, medical emergencies and many
other instances. A financial crisis can lead to several consequences
that can affect a person psychologically. Be it emotional stress,
confusion, loss of control, insecurity or loss of confidence, the
consequences are the same. 

The good thing is that there are several measures you can
take to survive any financial crisis. For example, you are
employed and you are not so secure with your company. Your company may
be struggling with financial and management problems.

While enduring a financial crisis can be challenging,
there are several measures that you can take to minimize your chances
of getting into a financial embarrassment and ensure you stay
financially afloat. 

are some tips to survive any financial crisis:

Invest and
diversify your portfolio

We all know that investments are a good way of using our
money. Investing in a very profitable venture can assure you financial
security and reduce your chances of getting in a financial turmoil.
However, there are many risks in the financial environment that can
crack down your investments. Some of them include government
regulations, international laws, political instability and many more.
When these things occur and you have not diversified your portfolio,
you are prone to financial loses that can lead to personal financial
instability. The concept of diversification in investment means
creating multiple investments to minimize the risk associated. A
well-diversified portfolio will help you make the most from your
investments. This way, losses from one investment can be covered by
profits from the other investment. There are several ways that you can
diversify your investments but the following are the most common.

Spread the
risk-Diversification is all
about spreading risk. Investing all your money in the shares of one
company is a very risky decision to take. In case of any financial
instability in the company, you could lose almost all of your money.
So, instead of investing in a single share or bond, you invest in a
portfolio of shares to avoid frustrating moments. If the shares from
one company drops to the rock bottom, you will still have profits from
the other shares which are performing well.

Asset allocation-One of the most sophisticated way of
risk-reduction strategy is dividing your investment capital into
different asset classes. Where there is a downfall in the returns from
one asset, there will be other assets that are holding strong. Profits
from these assets will cover losses from the crumbling asset. You
should also invest in assets that are not correlated. This will ensure
less volatility and less loses when things get crazy. 

Diversify your
holdings within asset classes 
Generally, investors understand the concept of investments and
risk. The higher the risk the greater the returns – so regardless of
the concept that investments in shares and government bonds has the
most risks, they still hold the greatest returns. The rule of thumb
here is to invest in all the four main types of assets. The reason
behind this is to be able to survive the heat when the house of cards
is coming down.

Rebalance your portfolio -This is a very crucial way of reducing risk
when the market movements upset your allocation to asset classes. If a
certain investment performs well, it should make up a greater
proportion of your portfolio. This may require you to sell some of
your assets and reallocate them on the investment class that is giving
huge returns. This doesn’t mean you have to abandon the other
investment all together. You can sell the assets until each asset
class represent the right proportion of your portfolio according to
the degree of profitability. 

Consider investing in a pooled investment -This will ensure that the risk of losses are
spread to each investor and hence the impact of losses will not be
that huge on you. Unless you are wealthy, investing in the shares of
several companies that are doing good should be in your mind. You can
diversify your investment by simply considering investing in
collective investment schemes. In these scenarios, a professional will
take the responsibility of diversifying and investing your capital.
Since the managers are highly qualified and experienced in this
venture, there are less chances of loses associated by poor management
and lack of time.

There is no correct number of assets and investments that
you should take in order to be fully diversified. The correct way is
to diversify your investments until the chances of loses from all the
investments are minimal.

Reduce your

When you are under a burden of huge debts, you lose
control of your money, assets and you lack financial security. This
means that it is the creditors who are in control and hence you cannot
be able to make any impactful decisions without the accreditation from
the creditor. However, it is difficult to avoid debts completely. We
need debts to raise money for a startup company or growing our
businesses. Debts allows us to pay for a new car, house and other
assets that you may need for personal life or for your businesses. If
you have access to low interest loans then debts are a good way to
pursue an aggressive growth strategy.

However, if debts are not managed well they can lead to a
very unpleasant financial turmoil. The most obvious disadvantage of
debts is that you will have to pay with an interest. If you borrowed
to invest and the business has no enough returns to make the payments,
you are likely to get in a state of bankruptcy which we already stated
as one of the cases for personal financial crisis. The creditors can
throw you in jail in case of unsecured loan, or foreclose your home.
All this will led to a state of disturbance to you and your family.

The worst of all is borrowing to buy a private home or a
private car. These will not raise enough money to repay the debts and
hence you may subject yourself into recovery measures such as
liquidation. If you have a huge debt with your bank and by bad luck
you lose your job, then you are likely to lose some if not all of your
assets. But if you don’t have debts or you have minimal debts and
you happen to lose your job, the chances of getting into a financial
crisis are minimal. You will avoid the worries of paying debts and
losing your car or house.

It is literally easy to get into debts but very difficult
to get yourself away from the repercussions associated. It can take
just a month to accumulate thousands of dollars and take you five or
so years to repay. 

are some of the ways that you can follow and avoid, reduce or
eliminate debts:

Avoid creating
more debts – Creating more debts will project you to additional burden of
settling huge balances with your bank. If you continue accumulating
more debts then you will not make any significant progress in your way
to settle them. Adopt ways that will help you reduce the temptation of
getting into more debts. These may include cutting your expenses until
you settle debts, cutting up your credit cards or even freezing them

Increase your monthly payments – In order to settle the debts that you have
already accumulated faster, increase your monthly payments. This will
reduce the payment duration and eventually reduce the risk of
unforeseen future. You don’t know the time you can fall into a
financial difficulty and hence you need to stay prepared by settling
your debts on time.

Get loans from the creditors with low interest
rates -The
worst thing associated with loans is that you will have to pay
together with the interest associated. The longer you take to pay the
higher the accumulated interests and the more serious the situation
gets. You can ask your creditor to give you low interest rates and you
can also consult or research for creditors with low interest rates.
Most often, customers with a good repayment history can negotiate for
lower interest rates from their creditors. 

Get loans to invest not for personal
Getting loans to finance your personal expenses is the worst thing you
can ever do under the sun. If you consider investing then you are on
the right track. You can use the returns from your business to repay
the loan and eventually you will be free.

Cash out a life insurance policy – A rational thinker is a risk averse person.
They will have accumulated some funds with their life insurance
provider. You can use the insurance to settle your debts and later
continue paying for your insurance. You can as well surrender the
insurance and use the surrender value money to settle your debts and
later invest back to your insurance. 

your investment portfolio to maximize your returns

The reason why we invest is to get enough money to consume
and reinvest. Investing in different sectors will ensure that you are
getting enough money and hence less likely to fall into a financial
crisis. You should take due actions to invest greatly so as to always
have financial
freedom. Some of the biggest business tycoons that we see in
our society are great investors.

Great investors know how to protect their portfolio. In
this world full of investment risks, the key to huge returns is not
getting the most profitable companies in the market. Rather, it is
determining the comparative advantage of that company and protecting
your portfolio like buffet. You should take your investments into
fields and companies with products, services and business models that
can stand the test of time.

If you are focused to raising enough money from your
investments, invest on getting a better advice. Get investment advice
from qualified officials who will guide you on this journey. Even if
you are smart or lucky enough to have all the capital investment
requirements, you know you cannot walk this journey without qualified
management staffs and personal advisers. Bet investment opportunities
lie on the hands of other people. Maybe you want to invest in a field
that you are not well versed with. Selecting planners and advisers on
the same field is crucial.

Most of the time our businesses get into economic problems
not because of our mistakes but the mistakes of those that we trust to
plan and manage them. When selecting planners and business managers,
do not just consider their disciplinary records and fees associated,
also invest in getting their academic qualifications and success
experience from their former employer. This way, you will reduce the
risk of your business failing and have all the reasons to smile in
case of a financial turmoil.

Only smart investors have compound eyes. Eyes to see all
corners of the market and utilize every
opportunity that comes their way. The economic environment of
many countries in the world has many gaps that you can invest in and
money. You need to be smart and learn from every mistake that
investors made in the past. 

Make smart

Tight financial strains are the leading cause of
depression, emotional stress and other associated diseases among the
people between the ages of 21 to 50 years. All of this is avoidable if
you make sound financial decisions. So make smart decisions regarding
your finances in order to avert any financial crisis or getting your
way out of it. There are several things that absorb your money every
month that you don’t notice immediately. Your children, lifestyle
and debts. You need to
teach your children about managing
finances. If your children are older, then teach them how to
make good financial decisions and how to be resourceful and generate
some income themselves. You should also involve them in every
household decision making regarding finances. This way, you will be
able to cut on extra expenses that consume your monthly income and
make it difficult for you to save for the future.

Ensure every month you have a special meeting with
yourself to review your finances. This way, you will be able to
identify and fill any loophole that may be unnecessarily consuming
your income. You have to cut on those additional but unbeneficial and
unnecessary personal expenses and concentrate on adopting ways to
minimize consumption. This doesn’t mean you should have no time and
resources to treat yourself and your family from time to time. What I
mean is that every successful individual is well versed with the term
of minimizing expenses. While minimizing your expenses, you should
ensure to maximize your satisfaction and maintain
a better lifestyle. 

Make informed decisions regarding your saving strategy. In
order to avoid financial stress in the future, you should learn to
sacrifice. Sacrifice today’s consumption for tomorrows. Economists
say that a shilling saved now is worth a lot in the future. When it
comes to making sacrifices and being devoted to savings and investing,
you should be at the front line in your family. Teach your family
members including your children how to make sacrifices and save. Make
them understand every time you want to cut on a certain family expense
and investing or saving the money.

READ ALSO  Tilapia Farming Guide

Saving money can help you greatly to become
financially secure. This means that in case of any emergency,
you will be able to respond swiftly and deal with the situation. We
already know that medical and other emergencies are the leading cause
of financial downfall among many people in the world. Learning the art
of savings is the first stem in providing a seal between you and the

Savings is also a good strategy to provide
for your retirement. In case you retire today, you will need
income to cover for the lost income that you were getting every month.
A good way to raise this income is from savings and investments. 

Invest in
quality stock

As we already discussed, investing is one of the
strategies to overcome any financial recession. Investing in quality
stock is one of the ways to get a better risk-reward ratio in the
event of a market pullback. The ambitions of every investor is to get
in touch with a portfolio that is exposed to potential upside and at
the same time trying to deal with downside risk. One place that is
getting full attention from the investors is ‘’high quality’’
stock. These are stocks that have several distinguishing
characteristics that keep them different from the broader market.

Investing in precious
metals is one of the ways of ensuring that you get towards
financial freedom. Although investing in bullions is characterized
with several advantages and disadvantages, the pros outweigh its cons
and hence it is one of the best ventures that you can consider
investing in. However, when it comes to investing in precious metals
you need to be extra careful. Ignorance in this venture is not a good
thing. You need to know the basics and how the whole process goes
before making any step. You can get enough advice from experts who
have been in this venture for a long time. 

Investing in bullions involves costly intake of capital
and is also characterized with risks. The venture is full of scams and
counterfeit products that can make you lose your principal investment.

There are several benefits
of investing in gold that can assure you freedom from any
financial crisis. One of the major reasons why investing in gold is a
good decision is knowing that your money is not subject to inflation
and other financial market disturbances. Unlike investing in stocks,
bonds or mutual funds, you will not have the worry of the company’s
performance if you put your investment
in gold and other precious metals.

Investing in precious metals is also a very straight
forward venture. A venture that even an individual with no experience
can take part in. It is also a very good way of hedging against market
crashes. In order to get yourself the security of surviving any
personal financial crisis, consider investing in those markets that
guarantees you a return of your principal and profit. 

Plan and
budget well

One of the most common and most effective ways of avoiding
a financial crisis is having an informed spending. You got to have a well-structured
financial plan and always spend on a budget. You can always
sit down with a pen and a paper at the end of every month to remark
every expense, your income, any tax information and anything else that
can affect you financially. This is one of the ways of knowing your
position financially and hence be able to plan better for the future.
You can get a financial manager, or use some of the computer programs
that can help you to get a detailed financial report of your earnings
and spendings. The reason why this is important is because you have to
get a clear picture of what is going on in your life financially.

If you are overspending and understating savings and
investments, you can cut on your budget and ensure you save more every
month. The budget should not be understated too, it should cover all
the basic areas of your finances and deal with the rest.

Your monthly plan and budget should also include investment
ideas, ways to reduce overspending and auxiliary measures that
you have to adapt to and cut on spending. In case you are having
problems with overspending.

Here are the
key measures to take and you will help yourself greatly:

Find the least expensive basic items – There are those items that have different
prices but are of the same quality and they serve the same purpose.
These are the things to start using. It can help to reduce your
monthly budget considerably. These includes the car you drive, the
places you go for holidays, the food you eat in the house to the
insurance you have for yourself and your family.

Reduce or eliminate consumable habits – These are the unnecessary consumption
expenses that you impose on yourself. You can cut or eliminate alcohol
consumption altogether. Although this is not the largest area that
will save you enough money, it can work a great deal.

Drive smarter
-You need to change your driving habits if you want to save on
gasoline and eventually money.  Take
due care to reduce instances of damage and accidents. This way, you
will save enough money from
repairs and maintaining your car. Also adopt ways to optimize your
driving route and stop unnecessary driving mostly on short distances.

My Books at Apple

GooglePlay, OverDrive,  Kobo, Scribd,

Noble book stores. 

available in other languages.

Cut down on entertainment – Entertainment consumes a greater part of our
salary. Although it is important, if you are considering to save and
invest a part of your savings then you should consider cutting on it.

Be very aware on the impact product promotions
and advertisements have on your purchase ­- Most of the time, product promotions will lure
you into extra consumption and also extra spending. You should
maintain your normal purchasing power and avoid extra spending. If you
just want the product because it is stuck on your face, do not
purchase it. However, if you need the product for a certain use that
is reasonable, then purchase it.

Invest in
treasury bills and Bonds

Here are two investment areas that can really help you
survive the uncertain financial future. The only difference between
the two is the maturity period. Treasury
bills have a maturity period of one year or less. Treasury
bonds are long term investments that mature within period of 10 to 30
years. They are both the instruments that the government uses to
borrow money from the public. As seen earlier T-Bills
are used to borrow many for short periods that do not exceed a year.
They are also used for domestic borrowing in the domestic currency.
The government exchanges paper work with money and when the maturity
period is over, the government will return the money borrowed with the

The reason why you should consider investing
in government securities is the degree of the associated risk.
They are considered to contain less risk as compared to other assets.
They are back with the full credibility, faith and the strength of the
borrowing state. 

The returns are predictable. The government offers
well-structured terms of investing and therefore you can be assured of
a certain return in a certain period of time. Treasury bills and bonds are known to endure the turbulent waves in
the stock market and hence less risk is associated. This is the reason
why you will not have worries about your financial
future. In case your finances crumble down, you will have
somewhere to run to.

They also have a high-interest income. It is one of the
best ways to invest your money and be assured to make a huge return.
They pay a high interest rate compared to other assets. What this
means is that you will be able to raise enough money to sustain you
and your family in case of any financial crisis. Apart from saving
your money in the bank, invest in treasury bills and bonds and you
will be financially secure.

It is also a form of diversifying your investments. It is
one of those ways of not putting your eggs in one basket. You can have
other investments and at the same time choose to put some of your
capital in this area. If all your eggs on the other basket fall and
they are crushed, you will still have another way to raise money for
your personal expenses. 

Look for a
side hustle

Having a side
hustle guarantees you extra earnings. This is one of those
ways that you can use to reach your financial goals. Sometime a side
hustle can raise more cash than your job. Having a very reliable side
hustle is one of the ways to seal against financial crisis caused by
loss of job. You will be able to survive even after you lose your job
and hence get rescued from the frames of financial dire straits. 

Do not be dared to believe that you are supposed to work
mundane 9 to 5 jobs for your entire life. This will not assure you
financial security in the long run. You need to understand that your
earning potential is limitless and you can earn
as much as you want. You can start utilizing that free time on
weekends or after work in the evening and get a side job or a private
office in town to make
some extra cash.

Even if you have a job you love and are comfortable with,
I don’t see the reason why you should be blind folded not to see
other opportunities in your daily life. Many people are not motivated
to work more and hence you will have that room to utilize their
absence in the market and make money. You don’t have to sit down and
complain about the things you cannot control such as tax and the

Having a side hustle is one of the ways to mitigate your
risk. Have you ever wondered what could happen if you woke up one day
and your job is no more?  Combining
earnings is the best way to avoid stress and depression in such a
time. Side hustles can be freelance
businesses that can generate extra cash outside of your normal
job. They are a blog
site that you own that you can be running after work or the
time you are free. If you are a professional doctor, you can establish
an office that you can be running on weekends and making appointments
when you are free. Side hustles are countless and are readily
available waiting for you. 

financial priorities

Every person has several and competing financial
allocation. Choosing between them and determining the one that should
be given a higher priority can be challenging. You have to decide
whether you will pay
all your debts before starting to invest, whether you should
fund your retirements or you can invest in taxable accounts, should
you get a health insurance or invest your money. The list is endless
and hence you need to be prudent in making such decisions.

Setting financial priority should be different from
setting financial goals. The two aims are approached from a different
perspective. Everybody has a detailed financial goal, but the question
is do they rhyme with your priorities? You should be able to determine
those things that should come first in your life.

When making a financial priority, age is a critical
factor. A student will have several financial priorities different
from someone who is about to retire. No matter how old you are,
anybody can face financial crisis. Therefore, figuring out your
financial priorities is the best thing you can do to yourself.
Although the process of deciding what comes first in your life can be
challenging, there are several things that you can do and be sure of
what to do first with your money.

Put things
in perspective – being able to decide on the thing that comes first
with your money is a very beneficial thing in our daily life. If you
put things into perspective by writing down which thing comes first,
then you will always be financially stable. You can consider paying
all your debts first and then come to other things.

Pay off your consumer debts-This doesn’t exclude people of a certain
age. Paying your financial debts should always be at the top of the
list. This loans accumulates a lot of interest with time and hence
they can lead you into a financial crisis. 

Consider saving – Saving your monthly earnings is another
priority. In fact from paying your debts, you should structure a share
of the remaining money that you are going to save. The first savings
goal should be your emergency funds. You can set aside a small amount
of money every time for your emergency funds.

Understand your finances – The way you spend your money should also be
a factor to consider. Take a clear cut between reasonable and
unreasonable spending. All you need to do is assign and allocate money
for top priority spending and the other things can wait.

Think in terms of goals – Establish a list of your financial goals and
later determine the ones that should come first. You may set a goal of
being financially able to manage emergencies and the associated
priority is saving in an emergency funds. You should separate these
goals from how you will achieve them and therefore you will be able to
get a creative way of determining your financial priorities. 

Setting a financial priority is like adopting
a good diet, it will save you from misusing your money or
using it on things that could wait and otherwise underestimating those
that matter now. One of the restrains from making a good list of financial
priorities is setting of unrealistic financial goals. Goals
and priorities go hand in hand with success. 

Start saving
from your personal expenses

You can get a 3 to 6 months’ worth of savings if you
want to get out of financial crisis. Saving is a very hard thing to do
but it has a huge impact on a person’s financial stability. Life is
full of uncertainty and hence what is stable today may be unstable
tomorrow. With a comprehensive
savings plan, you will be able to handle most catastrophes
that may come up tomorrow. You don’t know what can happen in case
you lose your job. This is very possible and therefore you should seal
yourself from it through savings. Having a 3 to 6 months savings
cushion can allow you enough time to find a new job.

Having savings reduces the risk of getting back to debts
in case something terrible happens in our lives. 
It also gives you a sense of security in your daily life
knowing that you can be able to survive any economic crisis in your
personal life or at your home. Although investing your money looks as
more beneficial between the two, savings should be part of your
personal life. 

For students who have no enough money to spend and
consume, they can as well start with small savings out of the little
that they get in a month. You will be surprised to find out what that
saved coin can do at the end of the year.

Short time savings also give you an immediate access to
your money in case you need it for an emergency.

As I stated earlier, saving can be difficult to implement
in case you have several expenses waiting for you. Sometimes saving
means a personal sacrifice from unreasonable spending. However, there
are several strategies that you can implement and start saving your
money successfully.

Record your expenses -You need to establish how much you spend
every month. This way, you will be able to know and detect where most
of your money goes. Establish a strategy of accounting for every penny
that you spend as the first thing of avoiding unnecessary expenses.

Avoid unnecessary spending – Spend your money on those things that really
matter. Cut down the habit of making some purchases that are
unreasonable. What this means is that you will save a greater part of
your salary. This is where we go wrong. Most of the time we spend a
lot of money on buying things that we do not need.

Make a personal budget – Once you detect where you are spending your
money every month, the next thing is to make a list of these things in
order to avoid overspending. The budget should outline how your
expenses measure up to your income. Do not overestimate your budget,
instead ensure that your budget gives you some space to save.

Have a good plan -You now have to include savings in your
budget. Leave 10-20 % of your earnings for savings every month. If you
notice that your expenses are too high to save something enough, then
you should consider cutting on your budget.

Choose something to save on – In order to have a drive to save, have a
target. You can decide to save on a car, your school or for buying
land. What this means is that you have something to motivate you.
Figure out how much it costs and divide the amount with the number of
months you want to save for it. You can use goal calculators to get
help on the savings time frame.

You should consider savings as your daily habit the same
way as with food, dressing and other things. This will help you
develop a good savings habit. 

Invest in
real estate

A successful entrepreneur knows how to diversify their
business into more than just a savings account. Investing
in real estate is one of the ways that you can use to build
wealth simply and easily. When you buy a rental property using
mortgage then you are assured that you will be able to pay your debts.
It is the money from the tenants that will be used to clear your loan.
This gives you peace of mind.

Another important reason why investing
in real estate is a good thing is the reality that a rental
property can never depreciate. While you are able to repay the loan,
the value of real estate generally appreciates. You will not have to
worry about the future and the selling value of your property in case
of an emergency.

It is also a very effective way to hedge against
inflation. In a financial market that is coupled with risks, investing
in real estate will protect your money against inflation. Many people
are sensitive to inflation. Some of the governments also reward rental
property owners. This way, you will be able to get tax benefits from
the government. The government offers tax benefits such as
depreciation and significantly lower tax-rates.

free Audio books? 

one of my Audible Audio

 books of your choice for free.

Investing in real estate also gives 100% control. It is
different from investing
in stocks where you need a blocker to handle your trades. Once
you decide to invest in real estate and you actually implement the
idea, you directly own the property and have 100% control over it.

One of the ways that a real estate property can help you survive
a financial crisis is the net income or the amount of money a
rental property generates. This will help you build up wealth to take
care of your expenses and emergencies. 

Manage your
finances well

You will never see a personal
financial management subject taught in school. This doesn’t
mean that personal financial management is not important. As a matter
of fact, it is something that nearly everyone has to deal with at one
point in their life. In order to survive any financial crisis you need
to manage your finances well. Statistics show that many people do not
really understand the concept of managing their finances well. Those
who know about financial
management do not take it as a serious matter. In USA only,
58% of the people do not have a retirement
plan in place for how they will be able to manage their
finances when they get old.

Taking time to manage your money better can really pay
off. It can help you be able to stay afloat whenever others are facing
financial crisis. The extra money can be used to settle your debts or
at the same time put it towards your pension plan. 

Better managing your finances will keep you focused on
your goals and ensure you will be able to meet them. You will avoid
unnecessary spending and save the remaining money. What this means is
that you will be financially secure and be able to deal with
emergencies as they occur.

Managing your money will keep you aware of what is
happening with your money. You will be able to notice where you are
overspending and cut on it if necessary. With a detailed budgeting,
you will keep track of the amount of money going in and out of your
pocket each month.

A good manager will always stay in front of the park with
the ability to deal with financial problems. Those who manage their
finances properly are able to invest well and raise
a lot of money from the projects. This way, they will have
enough money to spend, save and reinvest.

Good financial management allows you to know what you can
afford at the time and that which you have to wait for. You can hence
have informed details regarding what you purchase at every point in
time. You will as well be able to set financial priorities and
determine what is important based on how you allocate your money.

It helps you to organize your spending and savings. When
managing your finances, one of the ways is to divide your money into
categories of expenditures and savings. By doing so, you will be able
to determine which category takes the large share of your income. It
hence becomes easy to adjust your budget and establish the one that
matches your ambitions.

The main reason why we value financial
management is the reality that you will be able to save for
the expected and unexpected costs. This is what we have been talking
about the entire time. If you can be able to deal with unexpected
expenses then you can be able to survive
every economic crisis during your entire life. If you can
track all your finances then you can also be able to communicate with
the significant others about your financial decisions. In case you
want to cut on any family expense so that you can save for a certain
goal, you will be able to make your spouse and children

READ ALSO  (1) Message from Alexander | Manifestation Magic

If possible,
invest in education

You can lose your job but you will never lose the
knowledge you acquired through education. It is the essential
foundation for prosperity and opportunities. Investing in education is
also a very crucial thing in your life. It will ensure that you will
be able to pick up fast enough in case you lost your job.

Education will also guarantee you of promotion in your job
and this means you will attract a higher pay. This way, you will be
able to accumulate wealth. You will also have adequate knowledge on
how to manage your finances.

Education will increase a person’s chances of living
healthy life and also reduces several other kind of diseases.

On a more personal level, each individual should
understand the need of educating themselves and their children. It
opens up peoples understanding of the world around them and gives each
of them a chance to utilize every opportunity that can improve their
lives financially.

Education is also one of the ways that can help you escape
from poverty easily. When you get educated, you get the
knowledge that can help you take beneficial chances in your life. It
will also equip you with the tools necessary to get ahead.

Although education is not a guarantee of a better life,
investing in it reduces your chances of falling into a financial
crisis. You can be able to recover quickly in case of a money
threatening situation in your life. It is obvious that there are
several instances that education can help you in life. Therefore
consider furthering education apart of your investment

Create a
financial back-up plan

We already know that the leading cause of any financial
crisis is the rise of an emergency at one point in our life. You are
not sure exactly what life holds tomorrow and hence you need to be
prepared financially. In this world full of uncertainty, it is
important to have a financial back-up plan more than any other time in
our history.

Financial drawbacks and emergencies can drain even the
most carefully planned budgets. Having an effective financial backup
plan can greatly rescue you in times of financial problems. You are
supposed to have more than one financial backup plans in order to be
secure in your daily life. 

Several emergencies such as medical emergency, lost job,
accidents, and many more can arise without a warning. Those who have a
financial backup plan will feel confident at times of emergencies
because they know they have somewhere to run to.

One of the most effective ways of creating a financial
back up is by creating an emergency fund. You will face emergencies
several times in your lifetime. You may need to cover for those
emergencies without running to credit cards. We had already stipulated
that if you want to be financially stable you are supposed to avoid or
reduce your credit borrowing. Therefore, if you think that your equity
line of credit cards can work as your emergency fund then you need to
rethink. You need to build up your emergency funds before thinking of
other plans like saving towards your retirement.

You can be tempted to buy a bigger house, a better car, to
buy a rental property and so on. This doesn’t mean that your
retirement should not be something to consider. You should have a
priority to save
for your retirement especially if you are 40s.  You
can explore other goals after you make sure that your retirement
savings are on track.

What would happen if your sources
of finances suddenly come to a standstill? How do you think
your family can survive in such a situation? Having a financial backup
plan can be there to save you in such a situation. Some of the
emergencies are manageable but they can drain your financial tanks
within a day. Therefore, you need to get your Emergency Landing
Equipment in place before it’s too late.

You can as well buy a life insurance to shield your family
against unnecessary struggles in case of a death. Death is uncertain
but once it occurs, life has to continue for the family and relatives.
You don’t know what could happen in case a family member succumbs to
death. If you are a person who is passionate about family life and the
future of your children, then you need to have a way to provide for
them when you are no more. The term insurance plan promises to pay a
lump sum amount in case the insured die. That amount of money can be
able to cater for the necessary bills.

Cash is King

When you are manoeuvring through a financial crisis, you
need to know that cash matters. You need to take full measures in the
canopy of risks. In the flight to safety, you need to have a mechanism
of raising enough cash for your expenses and to save. Having cash on
hand will help you take every investment
opportunity that arises in the market.

You may have accumulated valuable assets in your lifetime
but if you don’t have cash at hand in times of a crisis then you are
likely to face it the hard way. Things will get worse in such
situations since it is not easy to convert some of the assets into
cash when need arise. You will also face problems in case you want to
leverage them as a collateral on a loan.

One of the most successful ways of
surviving a financial crisis is to have cash at hand. You
should remember to stay liquid if you think of staying afloat in this
era full of uncertainties.

If you have a business and do not convert some of their
sales and profits into cash then you will need to borrow to pay
suppliers and pay wages. This is a very good reason why you need to
have cash at hand or invest in those assets that are easy to convert
into cash. This way, you will be able to cater for small financial
expenses if need arise.

It doesn’t matter the kind of emergency that you are
anticipating in your life. Sometimes it could be minor, you go to shop
with your family and sometimes the credit cards stop functioning. You
will have a hard time to raise the cash to complete the shopping.
Other times you get a mere headache and need to buy drugs at the store
but you did not carry cash. These are examples of minor emergencies
that require you to always keep cash with you. 

Cut your

 You will find
at the end of the month that a significant share of your salary goes
to unnecessary spending habits. In order to ensure you are financially
stable, you need to know which expenses are necessary and which are
not. If you detect that a certain expense gets a share of your income
but it doesn’t add any value to your daily life, you should consider
reducing the amount of money spent on it or abandoning it all

One of the biggest challenges in personal
finance is figuring out how to spend your money. If you are
trying to save some money to cater for emergency cases in the future,
then cutting out a few monthly expenses can make a significant impact.

You should consider cutting on your bills. Lowering your
electricity, water and phone bills can greatly affect your savings. If
you detect that your family uses a lot of money on clearing
electricity and water bills, then you should put some measure in place
to ensure you cut on them. Make sure you are using energy efficiently
and water sparingly. You can buy energy saving appliances and at the
same time switch off bulbs every time you do not need the lighting.

A good way to reduce shopaholic expenses is to have a well
written list of monthly personal expenses. You should then arrange
them in descending order according to their degree of need. You should
then cut on trivial things but with a solid reason why you are cutting
them. If you don’t have a reason and a financial goal that will keep
your finances in one direction, you will get back into overspending.

In order to avoid disappointments, you should stop using
your money on small things that do not matter. You might not see how
much a roll of cigarette a day costs you in a month. In fact
purchasing small things will blind fold you from the goal of saving
for the better things that will come later in life.

You should go for quality things over the quantity. You
can choose to buy a fancy high quality dress that will not be torn by
tomorrow. High quality home decorations will save
you a lot of money on repair and maintenance over the long

Another important way of cutting your expenses is the use
of 30 minutes rule. You should think twice before purchasing a
commodity. Ask yourself the following questions; ‘’ do I really
need this item? Am I really going to use this item more than 30
minutes a day? Is this item really important to me? If the answer is
‘’yes’’, then go ahead and purchase it. If the answer is
‘’no’’ then consider cutting on it.

Take a look at your house and sometimes at your personal
items, how many items do you really need or how many things that your
spouse and children really use in a day. I can bet there are several
things that your family purchases and they are not really important to
any of them. These are the things to avoid.

Cutting down your expenses is a smart idea, especially if
you have a higher goal to reach. Everybody has an ambition of becoming
better in the future. If you cut on your expenses and save a greater
share of your salary, you will have guts to face a financial crisis
with confidence. Think twice before spending your money on some
things. Teach your family to use the 30 minutes rule. Tell them to
take at least thirty minutes thinking about a commodity before rushing
to a cashier to purchase it. This way, you and your family will be
able to survive any financial crisis and pay for other important
expense with ease. 

Start a high
yielding savings account

Having a high yield savings account is one of the ways of
taking control of your finances. In America, approximated 26% of
adults’ have no savings account. This means that in case of an
emergency they may have no emergency cash in the bank to fall back on.

A savings account is very important in taking care of
unforeseen spending. No one knows what tomorrow will offer. This means
that if you don’t have emergency cash, you may fall into a financial
crisis. It may be a minor emergency such as a vehicle repair or a
broken house appliance. The impact of emergencies can leave you in a
huge debt thereafter. It doesn’t matter whether you have invested in
insurance and you are almost sure you can handle any emergency. You
should be ready for small deductibles which can significantly affect
your money. Life situations if not managed well can damage the budget
of even the most financially disciplined people.

A savings account is one of the ways to protect your
assets. You might be forced to sell your assets in an unfortunate time
due to unexpected expense or an emergency. If you had saved enough
money, you wouldn’t be forced to sell your car to cater for a
serious illness that may strike. What this means is that a savings
account will give you an alternative to selling your assets. You will
be able to handle any unknown spending with your savings.

Every person should understand well that the main cause of
financial crunch is our inability to deal with emergencies. If you
have a well-planned strategy for raising emergency money when the need
arise, then you are in a better place to survive any personal crisis
in your life. You can consider a savings account as one of your family
arms, teach your spouse and the children the importance of savings.

Opening up a savings account can enable you to take
advantage of possible profitable monetary opportunity in the market.
This way, you will be able to build
wealth and become financially stable. If you come across a
wonderful business opportunity, you will not be able to invest because
you don’t have money. Furthermore, without a savings account you may
not be able to get credit with your bank for those opportunities. A
savings account can tell much about your financial discipline and

Having a savings account will give you peace of mind. You
will be able to save your money for specific financial goals in your
life and you eventually meet them. You will also be sure that in case
of an emergency, you will have somewhere to run to. You may lose your
job and rely entirely on your savings before you get another job.

A savings account is the best way to ensure that you have
an easy way to access your money when need arise. Although investments
are important, without a high yield savings account then you will not
be able to get money for your emergencies spontaneously. Money put
into a savings account is easily accessible and hence you will have
confidence to face any day to day emergencies in your home.

Make sure you understand the terms of your savings
account. Sometimes you may be given a limit on the number of
withdrawals or the amount of money to withdraw at once. If you go
above the set limit then you may be struck by a penalty fee. Ensure to
open a high-interest savings account and your money will essentially
be making you more money. Once you have opened a savings account, one
of the most successful way of saving is to automate your account so
that you will not have to be reminded to save. On your next visit to a
bank, ask them about their savings account and open it before you get
out of the banking hall. This will be your major step that will help
you handle any financial crisis confidently.

When evaluating high-interest savings accounts, ensure you
get clear information of several areas of concern:

Required Initial
Deposit – You should be
familiar with their terms so that you don’t have to put yourself in
a financial trap. Seek clarification on the amount of money that they
require as the initial Deposit.

Rate of interest paid – We are here talking about high-yield savings
account. Therefore, you should open an account with the provider who
offers a very high interest. How much interest will you earn from your
savings and how long will it last. Ensure you understands their
interest strategy well. Get clarity whether their interest is
introductory. The one that keeps changing at different points in time.

Get to know the bank’s compounding method – You should be informed on the method that
they use to compound and calculate the interest. There are several
compounding methods such as daily, monthly, quarterly, semiannually
and annually.

Links to a brokerage account – In order to be secure in case of an
emergency, then you should be able to access your money easily. Ask
the bank to explain clearly if you can be able to link with other
accounts and brokerage accounts such as mobile providers for easy
access to your money.

Application/account setup and maintenance fee –
How much will the bank or the credit union charge you to open and
maintain the account. You don’t have to bump into your savings
account and wonder where your money is going. You should inquire with
your bank whether there is any monthly or yearly maintenance fee

This savings account should be just one portion of your
portfolio. In order to stay financially stable, you need several other
financial sources that will give you a source of money in case of a
financial crunch. Consider how you can use the savings account to
compliment your other mechanisms of dealing with emergencies. 

Plan your
retirement Income

You should plan your retirement income well in order to
have adequate funds to provide for the kind of lifestyle you envision.
You need to make assumptions about your later life and see how much
money you will require.

It doesn’t matter how much you love your work, a day
will come when you have to punch out for the last time and start
your retirement. When that day comes, I bet you would like to
a robust financial plan for yourself. Therefore, starting a
plan for your retirement at an early time is critical.

When you are planning
your retirement income, there are two aspects; personal
planning and financial planning. Personal planning will determine how
satisfied you are with your lifestyle after the retirement while
financial planning will determine where the money to sponsor your
lifestyles will come from.

Life is full of very many instances that require money.
However, you will need to plan
your retirement income. This should start at an early age in
order to raise enough money. 

free Audio books? Get

 one of my Audible Audio books

 of your choice for free. 

are several methods that you can adopt to ensure this is a success:

Consider your consumption habit – You may be spending about 28% of your
income on food, or spending about 58% of your income on mortgages,
property tax, renovation and other things. Globetrotters spend a great
share of their income on travelling. Whatever category that you are
you should know that how you spend your money tends to change with
age. You should then come up with a very effective mechanism of saving
for your retirement.

Start saving for your retirement as early as possible and allow your
money to grow through compounding.
Age will change but spending money will never stop. What I mean is
that even after your retirement, you equally need money. Starting to
save for your retirement early enough will give you enough money on
retirement for spending.

Sign up for a term insurance – Nobody knows what will happen to their
family after they die. However, there is one mechanism that I know for
sure will make you cater for your family even after you die; a term
insurance. Death is uncertain, you don’t know at what time someone
will leave us. You don’t know the kind of financial burden that you
can leave your family in.

Get an appropriate health cover – At a later age, people tend to fall sick
severally. Health covers are a major part of your retirement and
should be purchased early enough.

Get rid of the outstanding debts – You don’t have to let debts follow you
even after your retirement. Your retirement should be free from all
the debts. What this means is that you are supposed to plan your debts
and liabilities at least several years before retiring.

There are a handful of crucial decisions to be made across
the way that can also affect your retirement. Take good care of your
family to ensure that all your children are successful financially.
This is also a backup plan for your retirement since your children can
be able to support you in case of need.

Having an effective financial plan will help you overcome
every financial trap that life brings.

Fitness, Blockchain,
Thinking, Blogging
for money, Top
Website Hosting Companies, Nigeria
Stock Market, Selling
on eBay, Amazing
Business Ideas, Your
Simple Guide to Financial Abundance, Financial
Freedom and Wealth Creation Formula, Starting
a Money Making Internet Business, Most
Common Immigrants Jobs in the United States, Tips
for Healthy Living, Earn
Income Selling on Amazon, Retirement
Planning Tips, Quick
Easy Ways To Make Money, Best
Investments Ideas, Website
Traffic Tips, How
to Become Financially Poor, Tips
To Make Money Selling On Craigslist

up for EBATES Here:  It
is a shopping portal and it offers cash back and coupons from more
than 2,000 online retailers.

up for UNIQUE REWARDS Here: Unique
Rewards is an online reward site that offers different range of ways
to get paid online.

will also love these great articles:

a commercial real estate king

score repair

Guide To Personal Success

Your Business Process To India

More Interesting Money Making Business ideas? See extra ways to make
more money below:

Days Or Less To Freelance Writing Success

Days Or Less To Virtual Assistant Success

Boot Camp





My Google Playstore Books

My Books at Amazon

Want Audible
Audio Books?
Start Listening Now, 30 Days Free

to Top of Page is
a personal finance education website committed to providing investment
ideas – Helping
people succeed and achieve financial success.

disclosure – use various affiliate links. We
will only link to products that we think our visitors may be
interested in. We may receive an affiliate commission from the vendor when you click
on an affiliate link and purchase the product at no additional cost to

Sitemap  Privacy
policy  Terms
and conditions    

© All Rights Reserved

Click here to get Money Making Business Ideas – Work At Home Career Ideas – Investment ideas – Personal Finance for Beginners – How to Invest in the Stock Market For Beginners – at discounted price while it’s still available…

All orders are protected by SSL encryption – the highest industry standard for online security from trusted vendors.
Money Making Business Ideas – Work At Home Career Ideas – Investment ideas – Personal Finance for Beginners – How to Invest in the Stock Market For Beginners – is backed with a 60 Day No Questions Asked Money Back Guarantee. If within the first 60 days of receipt you are not satisfied with Wake Up Lean™, you can request a refund by sending an email to the address given inside the product and we will immediately refund your entire purchase price, with no questions asked.

  • Facebook
  • Twitter
  • Linkedin
  • Pinterest
  • Buffer
  • stumbleupon
  • Reddit

Join To Our Newsletter

You are welcome

This div height required for enabling the sticky sidebar
WP Twitter Auto Publish Powered By :
Ad Clicks :Ad Views : Ad Clicks :Ad Views : Ad Clicks :Ad Views : Ad Clicks :Ad Views : Ad Clicks :Ad Views : Ad Clicks :Ad Views : Ad Clicks :Ad Views : Ad Clicks :Ad Views : Ad Clicks :Ad Views : Ad Clicks :Ad Views : Ad Clicks :Ad Views : Ad Clicks :Ad Views : Ad Clicks :Ad Views : Ad Clicks :Ad Views : Ad Clicks :Ad Views : Ad Clicks :Ad Views : Ad Clicks :Ad Views : Ad Clicks :Ad Views :