31 NEW YEAR RESOLUTIONS AGENDA

Here are  the things you can do and things not to do in 2019 and beyond to have unique year;

1. Keeping your seed instead of planting it. Many people stop at saving. It's very, very difficult to save and have all you need to maintain your lifestyle especially after retirement. When you save, your savings are seed; plant it. When you just keep the seed (saving money) some seeds begin to die (eaten by inflation and the like). That's why I recommend that you read about the different types of investment vehicles you can use to grow your savings. I am not necessarily talking about putting the money in a business, because you can easily lose money in  business. I am talking about putting it in an investment.

2. Walk with people wiser or stronger than you. In 2019 and beyond, surround yourself with people who will inspire you, who will make you feel you can do better, who will challenge you on.

3. Check your dressing or appearance. Don't put on 'anything' just because it covers your nakedness. Your appearance tells a lot about you. Iron your dress neatly. Don't wear dresses in the name of fashion or trend . Wear more decent but fitting dresses. This is the slogan Simple but Classy.

4. Check how you talk. Before you open your mouth, be minded of who you are talking to, where you are talking, when you are talking and also know that your integrity is at stake. In every situation, choose silence over speech unless you don't have any option.

5. Visit old people's home to appreciate them also orphanage and children in need of special care.  Don't let them feel unwanted or neglected in the scheme of things.

6. In 2019 and beyond, be more prayerful. You can't live your life thinking things occur merely logically. There's a Supreme Being who makes things happen, pray to him.

7. Never lend someone money you are not willing to lose. By the time you lend someone money, be contented in your heart that should the person fail to pay, you will not die. You should not even lose that person's friendship if they fail to repay the money you lent them. If you feel the person might fail to pay you and this will not affect your relationship with them, then lend them money. If their failure to pay would make you hate this person’s entire clan, please advise the person to go to the bank.

8. In 2019, always think Positive while being Realistic. When you see tigers praying to God, don't join them. You can be positive that they won't 'chop' you since they are praying but be realistic too that after the prayers, they'll remain tigers and God will feed them with flesh.

9. Buy gifts for your love ones. In 2019, try and do something 'small' for parents . You have no idea what  goes on in their minds Let them feel you are not far off

10. In 2019 beyond, Invest more, save less, spend less. Put your money into investment ventures. Buy T-bills, buy shares, buy fixed deposits, import some goods and sell, be a stock broker, etc. In fact, get more than one stream of income!

11. Many known names have gone and life goes on. The point is, don't work your life out. You won't take your work with you when you die. You are not as important as you think, calm down. Take time off work, go and do medical check-up, visit your family, visit gardens or the beach and appreciate nature, etc.

12. Don’t shy away from asking questions. Questions are the only way to increase the wealth of knowledge, therefore, never shy away from asking them. Ask questions that make you understand how things work and how they can make things work.

13.Never spend money you haven't received. Don't even promise someone money based on a promise you have from someone else. If someone tells you "Ezra, come to my office tomorrow at 9am and pick thirty thousand"don't go out to buy items on credit based on this promise, with the hope that you will pay off your creditor when the promised money comes; it may not come as promised and this will leave you in problems with your creditors.








14.Immerse yourself in learning. You must get involved in learning by actually doing things. Find things out, connect with people, and join groups in various stages of your life. But whatever you are learning, get yourself completely immersed in it. Do things that require a higher level of awareness and stay fully concentrated in whatever you are reading.

15.Make a decision and take action. Whatever the situation is, don’t be afraid to make decisions. And once the decisions are made, don’t hesitate to take massive action to gain momentum. It is because every vision requires action and if you don’t actually work on it, you can never achieve success.

16.Keep track of your progress. You need to keep records in order to see the patterns and go back to see how you have been doing. You need to see whether you are taking the right actions in order to reach your goals. When you track your progress, you become aware of the weak points and make an effort in getting them fixed.

17.Nurture your network. In order to become addicted to achieving success, you have to socialize with people that you respect and also the ones that are moving forward. Once you create a network, it will help you to tap into opportunities that can come across through connecting with other people.

18. Be reliable. Stay honest in your dealings by fulfilling the promises that you make. Do things that you said you will do and never step back from that. It will make you reliable in the eyes of the people and they will be comfortable dealing with you.

19. If you want to save, whenever you receive money, don’t start spending hoping that you’ll save what remains. Normally what remains is zero because as long as money to spend is available, the numerous things you can spend it on are also available. And things to spend on even incite their 'relatives' so that you spend even more than you had planned. When money to spend is not available, we naturally find a way of doing without it. That's why I've learnt to save with an investment club. Once I send money there I assume I no longer have it. Before you spend any money, put your savings aside then spend what is left after saving.

20.Never borrow money that accrues interest to start a business. That is to say, never borrow money to start a business expecting that the business will generate income to pay back the borrowed money plus the interest.

21. In 2019 and beyond, start thinking or planning towards doing more for humanity.

Never spend money you haven't received. Don't even promise someone money based on a promise you have from someone else. If someone tells you "Ezra, come to my office tomorrow at 9am and pick thirty thousand"don't go out to buy items on credit based on this promise, with the hope that you will pay off your creditor when the promised money comes; it may not come as promised and this will leave you in problems with your creditors.

22.When you get an opportunity to meet a very wealthy person, never ask for money. Ask for ideas on how to make money. They may even choose to give you money on their own after seeing that your ideas are great, but let getting money from them never be your objective.

23.Pursue something. Don't walk in the entire 365 days without having something particular in mind to achieve. Start a building project, buy a car, pay some school fees, start some job. Just do something!

24.Thinking about short-term only and forgetting about long-term or thinking about the long-term and forgetting about the short-term. For instance, Lydia was told that there's money in land. She saved money over a long period of time and bought 30 acres of land. Now she has the land but she is always broke. She is always complaining. She's disgruntled and she doesn't seem to see herself earning from the land in the near future. Now, let's ask ourselves Having 30 acres of land and no money to feed your family or take a child to hospital, is that wealth or poverty? I think Lydia only looked at long-term needs and forgot that she has short-term needs that require money. What of those who find they are one paycheck away from salary? Are they thinking about the long-term needs?

25.Never lend someone money you are not willing to lose. By the time you lend someone money, be contented in your heart that should the person fail to pay, you will not die. You should not even lose that person's friendship if they fail to repay the money you lent them. If you feel the person might fail to pay you and this will not affect your relationship with them, then lend them money. If their failure to pay would make you hate this person’s entire clan, please advise the person to go to the bank.

25.Never append your signature to guarantee someone on a financial matter if you are not willing or able to pay the money on their behalf. Do I have to explain that one? No, it's self-explanatory.

26.Avoid keeping money you don't intend to use in the short-term within easy reach. For instance, don’t walk with one hundred thousand naira in your pocket when all you plan to do in a day costs twenty naira. There are always expenses available to gobble any money that is within reach, so if you don't want to lose it, put it away in a safe place.

27.Avoid keeping money in inappropriate places e.g. in socks, under the pillow, in a pit, in the sitting room, in the bra, in a travel bag that you will place somewhere in a bus impulse buying is a devil that will keep you busy!

28.Spending money on an item that you can do without (at least for the time being). These days when I pick money from my pocket or wallet, before paying for something I ask myself What would happen if I didn’t buy this? If I find I can live with the consequences of not having that thing, I smile and walk away.

29.Paying an amount for something that's not the minimum you can get that same value for. In other words, if you are along east Legon road and you pay fifty thousand naira for a shoe that you can get at thirty thousand at Makola  market, that's a except for those who have achieved financial freedom.

30.Consistently spending all you earn or more than you earn. It's like having a drum where you have an inlet that's smaller than the outlet. It will never get full. And should the inlet ever reduce significantly the drum will run dry. If you do it the other way round and the inlet is bigger, it will get full and even overflow. Hence, we have to always ensure we are widening the inlet while narrowing the outlet – all the time. Your side hustle comes in handy!

31. Imagine yourself as a gardener. Have you ever seen a gardener preparing the soil before planting seeds? They are always glad when it’s time to reap the benefits of their harvest. Think of crops as revenue streams, networks, and hobbies. It will make you understand that in order to receive, you have to give first.

Good luck and have prosperous new year ahead.

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