Showing posts with label Life Tools. Show all posts
Showing posts with label Life Tools. Show all posts

Stepping Out In Faith

Faith shows the reality of what we hope for; it is the evidence of things we cannot see. Hebrews 11:1

I have discovered the secret of a successful Christian life. Are you ready for it? It is living and walking by faith every day. It is consistency. It is staying with it.

Hebrews 11:1 defines faith as "the substance of things hoped for, the evidence of things not seen." Or, as the New Living Translation puts it, "Faith shows the reality of what we hope for; it is the evidence of things we cannot see."Faith enables us to treat the future as present and the invisible as seen. Faith sees what could be. Faith does things. Faith takes action. Faith takes risks. Faith leaves its comfort zones to do things for the Lord. And faith that doesn’t produce works is a faith that doesn’t work.

When we step out in faith, God will work. But if we don’t step out in faith, then really not much is going to happen. God works through people who walk by faith. Hebrews 10:38 says, “The just shall live by faith." Those who step out in faith do move mountains. Feelings come and go. We cannot attach our Christian experience to how we are feeling emotionally in the moment. We must learn how to walk by faith. We must believe the word of God.

Prayer: Lord, increase my faith.

Scriptural Reading: Hebrews 11:1-3
By Faith We Understand

1     Now faith is the substance of things hoped for, the evidence of things not seen.

2     For by it the elders obtained a  good testimony.

3      By faith we understand that the worlds were framed by the word of God, so that the things which are seen were not made of things which are visible.

Reference: Living Word Devotional

Stay Focused

I have met thousands of people who told me that they want to be used by God but who will never be used by God. Why? They are too busy. They have got their own agenda going. They have got their plans , dreams and ambitions, and the they don't have any time! In the midst of their busyness, they try to carve out a little silver from pie of life and say, “ I’ ll give this to God.” But it doesn't work that way.

If you're serious about being used by God , you have to say, “Lord , what do I need to let go of ? What do I need to cut out?  What barriers are holding me back and keeping me from running the race you have for me?”

Lots of different barriers will hold you back from God's plan for your life. One of the biggest categories is distraction. Jesus said in Luke 9:62, “ Anyone who let's himself be distracted from the work I plan for him is not fit for the kingdom of God.” (TLB)

However, here are few of the many things that could distract you from your mission ;

You have got to decide whom you are going to please first and always in life. You can only have one number one. You cannot please men and God at the same time.

There is nothing wrong with these things ; watching television, surfing the internet, going for sports , etc but if they distract you from the most important things , then you need to let go of them.

Maybe you refuse to let go of your past -whether it's guilt or resentment or grief. But if you are stuck in the past, you cannot get on with the present , and you certainly cannot get on with God's future for you. Your past is past! It is over ! You need to let it go.

As legitimate as these are , they are major distraction from God's plan for many saints today. There is nothing wrong in giving due time, attention and diligence to your career , business and profession.

However, when they start taking the place of God and His plan for us which is the Salvation of Souls and our spiritual growth , then something must be done. If it is becoming an habit two skip weekly bible study and prayer meetings, then it is time to re-strategize and let some things to go.

What do you need to let go of? The Bible says in 1 Corinthians 10:23, NIV:“I have the right to do anything,” you say—but not everything is beneficial. “I have the right to do anything”—but not everything is constructive.

If the devil cannot make you bad , he will make you  busy. He will get you so busy that you do not have time for the important stuff -time alone with God , ministry, and mission.

You need to simplify your life and eliminate distractions so God can use you. Do not try to do it all. Do what matters most!.

Be Others Centered

As the new year begins and gradually goes the way of history, it's important that we prepare to encounter and overcome inevitable, healthy conflicts within our spheres of influence. Let's consider the scripture in Philippians 2:3-4; “ Do nothing out of selfish ambition or vain conceit. Rather, in humility value others above yourselves, not looking to your own interests but each of you to the interests of the others.”

The following story will definitely buttress the truth in this verses: A father left seventeen (17) camels as an asset for his three sons. When the father passed away, his sons opened up the will.

The will of the father stated that the eldest son should get half of seventeen (17) camels. The middle son should be given one third ( 1/3rd ) of 17 camels.

Youngest son should be give one ninth (1/9th of 17 ) camels. As it is not possible to divide 17 into half or 17 by 3 or 17 by 9, the sons started to fight with each other.

So, they decided to go to a wise man.

The wise man listened patiently about the will. The wise man, after giving this thought, brought one camel of his own and added the same to 17. That increased the total to 18 camels.

Now, he started reading the deceased father's will.

Half of eighteen is equal to nine. ( 18/2 = 9 )
So he gave 9 camels to the eldest son.

One third of eighteen is equal to six ( 18/3 = 6 )
So he gave 6 camels to middle son.

One ninth of eighteen is equal to two ( 18/9 = 2 )
So he gave 2 camels to youngest son.

Now add this up;
9+6+2= 17 and this leave 1 camel, which the wise man took back.

Lessons to Learn
The attitude of negotiation and problem in solving is to find the 18th camel I.e the common ground. Once a person is able to find the common ground, the issue is issue is resolved. The common ground is that selfish perspective that puts others into consideration.

The 18th camel represents the attitude of looking beyond one's personal interests to accommodate the interest of others. And of course the 18th camel is unusual input geared towards making even a seeming odd situation. It promises to work for all forms of collections in the year! It's my prayer that this shall be for you a year of pleasant surprises as you put the others first. Stay bless!

God Has Plan for You, Learn from Samuel and Apostle Paul

God already had His plan, but now, Samuel was going to influence God’s plan, because of fear. But guess what? God yielded! He found a way to make what He wanted Samuel to do easier for him. One would have expected that God would say, “What? I’m God! I’m telling you what to do; go do it boy; no one can kill you!” But no; God isn’t like that.

In 1 Samuel 16, we read something really inspiring about the love of God. God had instructed Samuel to go to the house of Jesse and anoint one of his sons to be king of Israel. But Samuel was afraid. He said to the Lord, “If Saul hears it, he will kill me.”

Saul was the king of Israel at the time, and Samuel was more afraid of King Saul than of God, because he knew that God was loving, merciful and kind. So, God said, “Okay, here’s what you’ll do: organise for a sacrifice and invite Jesse for the sacrifice, and if Saul hears about it, just tell him you came to sacrifice to the Lord.” Can you imagine that?

When He gives you an instruction or a direction, He watches to see your response or reaction. He may even consider your excuses and make some adjustment for you, just as in the case of Samuel. However, He doesn’t want you holding on to your fears. Our opening verse says perfect love casts out fear.

Many have a problem doing God’s perfect will because of either selfishness or fear. However, the solution to both of them is love. Love has no selfishness, and love has no fear. Love is God’s solution to man’s real problems. You may disobey God and go after your own agenda, or because of fear you may disobey Him and go in another direction. But the truth is, when you learn to walk in love and open your heart to the reality of His personality, you’ll always be in sync with Him.

However, no man can ever walk in love until he discovers Jesus. When you get to know Jesus, things change. This is why we preach the Gospel, so that men may know Jesus, and understand the love of God and learn to walk in His love
But I want you to know, brethren, that the things which happened to me have actually turned out for the furtherance of the gospel, so that it has become evident to the whole palace guard, and to all the rest, that my chains are in Christ;... Philippians 1:12-13

As children of God we all face trials from time to time. These trials come not to destroy us but to challenge and build our faith. When we face our trials with the strength of the Lord, and with the assurance that they will ultimately turn out for our good, we will always triumph over them.

In 2 Corinthians 1:8, we read that the trials the Apostle Paul faced were so horrendous that he sometimes desired to depart this life and be with the Lord. But Paul learned to live above his circumstances, and overcome all his challenges and you too can do the same.

Here are three lessons we can learn from Apostle Paul:
•  Focus on God and not the problem. As you deal with life's trials, keep the eyes of your heart focused on Jesus Christ. He has the sovereign ability to handle whatever you are facing. When you relinquish control to God, He is free to work in a miraculous way.
•  Focus on the will of God and not on the opinions of men. Seeking the counsel of others always is a wise idea, and the Bible supports this. However, be sure what your friends tell you aligns with God's Word, which is your ultimate authority. Seek godly counsel from others but make sure that you spend time alone with God in prayer. God reveals Himself to those who seek His face.
•  Focus on positive results and not personal pain. No one enjoys hardship. However, when trials come, ask the Lord to show you what He wants you to learn from the situation, and how you can apply those lessons to your life. Paul lived above his circumstances because his focus was set on the Saviour and not on the trial. As a result, he gained a tremendous victory.

"I will restore to you the years that the locust hath eaten, the cankerworm, and the caterpiller, and the palmerworm, mg great army which I sent among you." Joel 2:25

Do you have chapters in your life that you wish you could rewrite? Do you have regrets or sorrows or wounds from your past?The wonderful promise of God is that He does not only forgive the repentant sinner—He heals the repentant sinner. Although it is true that we may suffer life-long trials because of sinful choices in the past, the Lord is able to restore the years that you may feel have been eaten up by sin, laziness or immaturity.

God says, "I will restore to you the years..." How can this be? Will He reverse our life's clock, will He turn back our calendar? No. But God is able to pack so much living, so much vitality, so much blessing into the years that you have remaining that you will be enabled to live a life-time of joys and victories and pleasures in the remaining years you have left.
Remember the thief on the cross? Here was a man who had squandered all his life on murder, thievery, and selfishness. And, yet, God arrested him in the waning moments of his life, brought him to repentance and faith in Christ, and then used the fleeting few minutes he had left to leave behind him an everlasting testimony of God's grace to save, to pardon, to instruct, and even to resurrect.
No matter how the chapters of your life have been written thus far, know this: when you repent and turn to Jesus Christ for salvation, he is able to multiply to you the remaining years of your life and use you mightily for His kingdom. He is willing and able to restore the years the locust have eaten.

God bless you.

Worthy Investment

Do you know that the things you have invested your time , talent and resources so far are what has made you who you are and brought you to where you are. There would be no difference in the present year and the coming one except in what you invest in. Then, if next year would be better than the present year , you must intentionally invest in the following;

  • Your Spirit: Invest in your spirit by getting new bibles that will aid your walk and work with God. Plan to attend retreats, conferences, seminars that will increase your knowledge of Christ, established you and that would cause God's grace and gift in upon you to find expression.

  • Your Mind: Develop your mind as per your career, profession or business by buying books , engaging mentors and counselors that are ahead of you and attending seminars and conferences that will give you cutting edge advantages over others in your endeavours. Update and upgrade your skils for lack of skills kills. Not upgrading skills5 has rendered many graduates unemployable and crippled in many businesses.

  • Your People: Be more intentional and deliberate about your relationship with your spouses , children, friends, colleagues, church members, associates etc. Don't just verbalise your love and care for them let them your attention when it's needed, not just when you need things from them. Remember, people don't know how much you know until they know how much you care.

  • Your Finances: Create multiple stream of income to enjoy more cash flow. Diversify your interest and capital. Invest in the money market , capital markey, property market and consumable market until you achieve financial stability and independence.

You are bound to grow in all-round strength as you invest your money , time and resources to enlighten, educate and empower yourself by developing skills to become a better leader, a better speaker, or just a better person. As you do these and many more, your next year will surely be better than the previous.

The Parable of the Talents

The talents that Christ entrusts to His church represent especially the gifts and blessings imparted by the Holy Spirit. "To one is given by the Spirit the word of wisdom; to another the word of knowledge by the same Spirit; to another faith by the same Spirit; to another the gifts of healing by the same Spirit; to another the working of miracles; to another prophecy; to another discerning of spirits; to another divers kinds of tongues; to another the interpretation of tongues: but all these worketh that one and the selfsame Spirit, dividing to every man severally as He will." 1 Corinthians 12:8-11. All men do not receive the same gifts, but to every servant of the Master some gift of the Spirit is promised.
Christ on the Mount of Olives had spoken to His disciples of His second advent to the world. He had specified certain signs that were to show when His coming was near, and had bidden His disciples watch and be ready. Again He repeated the warning, "Watch therefore; for ye know neither the day nor the hour wherein the Son of man cometh." Then He showed what it means to watch for His coming. The time is to be spent, not in idle waiting, but in diligent working. This lesson He taught in the parable of the talents. "The kingdom of heaven," He said, "is as a man traveling into a far country, who called his own servants, and delivered unto them his goods. And unto one he gave five talents, to another two, and to another one; to every man according to his several ability; and straightway took his journey."  

The man traveling into a far country represents Christ, who, when speaking this parable, was soon to depart from this earth to heaven. The "bondservants" (R.V.), or slaves, of the parable, represent the followers of Christ. We are not our own. We have been "bought with a price" (1 Corinthians 6:20), not "with corruptible things, as silver and gold, … but with the precious blood of Christ" (1 Peter 1:18, 19); "that they which live should not henceforth live unto themselves, but unto Him which died for them, and rose again" (2 Corinthians 5:15).  

All men have been bought with this infinite price. By pouring the whole treasury of heaven … God has purchased the will, the affections, the mind, the soul, of every human being. Whether believers or unbelievers, all men are the Lord's property. All are called to do service for Him…  

Christ's followers have been redeemed for service. Our Lord teaches that the true object of life is ministry. Christ Himself was a worker, and to all His followers He gives the law of service--service to God and to their fellow m. The law of service becomes the connecting link which binds us to God and to our fellow men.Each has his place in the eternal plan of heaven. Each is to work in co-operation with Christ for the salvation of souls.

But unto every one of us is given grace according to the measure of the gift of Christ. Ephesians 4:7. Before He left His disciples, Christ "breathed on them, and saith unto them, Receive ye the Holy Ghost." John 20:22. Again He said, "Behold, I send the promise of My Father upon you." Luke 24:49. But not until after the ascension was the gift received in its fullness. Not until through faith and prayer the disciples had surrendered themselves fully for His working was the outpouring of the Spirit received. Then in a special sense the goods of heaven were committed to the followers of Christ. "When He ascended up on high, He led captivity captive, and gave gifts unto men." Ephesians 4:8. "Unto every one of us is given grace, according to the measure of the gift of Christ," the Spirit "dividing to every man severally as He will." Ephesians 4:7; 1 Corinthians 12:11. The gifts are already ours in Christ, but their actual possession depends upon our reception of the Spirit of God.  

The promise of the Spirit is not appreciated as it should be. Its fulfillment is not realized as it might be. It is the absence of the Spirit that makes the gospel ministry so powerless. Learning, talents, eloquence, every natural or acquired endowment, may be possessed; but without the presence of the Spirit of God, no heart will be touched, no sinner be won to Christ. On the other hand, if they are connected with Christ, if the gifts of the Spirit are theirs, the poorest and most ignorant of His disciples will have a power that will tell upon hearts. God makes them the channel for the outworking of the highest influence in the universe.That whosoever believeth in him should not perish, but have eternal life. John 3:15
The special gifts of the Spirit are not the only talents represented in the parable. It includes all gifts and endowments, whether original or acquired, natural or spiritual. All are to be employed in Christ's service. In becoming His disciples, we surrender ourselves to Him with all that we are and have. These gifts He returns to us purified and ennobled, to be used for His glory in blessing our fellow men.  

To every man God has given "according to his several ability." The talents are not apportioned capriciously. He who has ability to use five talents receives five. He who can improve but two, receives two. He who can wisely use only one, receives one. None need lament that they have not received larger gifts; for He who has apportioned to every man is equally honored by the improvement of each trust, whether it be great or small. The one to whom five talents have been committed is to render the improvement of five; he who has but one, the improvement of one. God expects returns "according to that a man hath, and not according to that he hath not." 2 Corinthians 8:12.  

In the parable he that had "received the five talents went and traded with the same, and made them other five talents; and likewise he that had received two, he also gained other two."  

The talents, however few, are to be put to use. The question that most concerns us is not, How much have I received? but, What am I doing with that which I have? The development of all our powers is the first duty we owe to God and to our fellow men. No one who is not growing daily in capability and usefulness is fulfilling the purpose of life. In making a profession of faith in Christ we pledge ourselves to become all that it is possible for us to be as workers for the Master, and we should cultivate every faculty to the highest degree of perfection, that we may do the greatest amount of good of which we are capable.
For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life. John 3:16

The Lord has a great work to be done, and He will bequeath the most in the future life to those who do the most faithful, willing service in the present life. The Lord chooses His own agents, and each day under different circumstances He gives them a trial in His plan of operation. In each true-hearted endeavor to work out His plan, He chooses His agents not because they are perfect but because, through a connection with Him, they may gain perfection.  

God will accept only those who are determined to aim high. He places every human agent under obligation to do his best. Moral perfection is required of all. Never should we lower the standard of righteousness in order to accommodate inherited or cultivated tendencies to wrong-doing. We need to understand that imperfection of character is sin. All righteous attributes of character dwell in God as a perfect, harmonious whole, and every one who receives Christ as a personal Saviour is privileged to possess these attributes.  

And those who would be workers together with God must strive for perfection of every organ of the body and quality of the mind. True education is the preparation of the physical, mental, and moral powers for the performance of every duty; it is the training of body, mind, and soul for divine service. This is the education that will endure unto eternal life.  

Of every Christian the Lord requires growth in efficiency and capability in every line. Christ has paid us our wages, even His own blood and suffering, to secure our willing service. He came to our world to give us an example of how we should work, and what spirit we should bring into our labor. He desires us to study how we can best advance His work and glorify His name in the world, crowning with honor, with the greatest love and devotion, the Father who "so loved the world, that He gave His only begotten Son, that whosoever believeth in Him should not perish, but have everlasting life." John 3:16.  

God having provided some better thing for us, that they without us should not be made perfect. Hebrews 11:40. But Christ has given us no assurance that to attain perfection of character is an easy matter. A noble, all-round character is not inherited. It does not come to us by accident. A noble character is earned by individual effort through the merits and grace of Christ. God gives the talents, the powers of the mind; we form the character. It is formed by hard, stern battles with self. Conflict after conflict must be waged against hereditary tendencies. We shall have to criticize ourselves closely, and allow not one unfavorable trait to remain uncorrected.Let no one say, I cannot remedy my defects of character. If you come to this decision, you will certainly fail of obtaining everlasting life. The impossibility lies in your own will. If you will not, then you can not overcome. The real difficulty arises from the corruption of an unsanctified heart, and an unwillingness to submit to the control of God.
Many whom God has qualified to do excellent work accomplish very little, because they attempt little. Thousands pass through life as if they had no definite object for which to live, no standard to reach. Such will obtain a reward proportionate to their works. Remember that you will never reach a higher standard than you yourself set. Then set your mark high, and step by step, even though it be by painful effort, by self-denial and sacrifice, ascend the whole length of the ladder of progress. Let nothing hinder you. Fate has not woven its meshes about any human being so firmly that he need remain helpless and in uncertainty. Opposing circumstances should create a firm determination to overcome them. The breaking down of one barrier will give greater ability and courage to go forward. Press with determination in the right direction, and circumstances will be your helpers, not your hindrances.  

I am the vine, ye are the branches: He that abideth in me, and I in him, the same bringeth forth much fruit: for without me ye can do nothing. 6 If a man abide not in me, he is cast forth as a branch, and is withered; and men gather them, and cast them into the fire, and they are burned. John 15:5-6. Be ambitious, for the Master's glory, to cultivate every grace of character. In every phase of your character building you are to please God. This you may do; for Enoch pleased Him though living in a degenerate age. And there are Enochs in this our day.  

Stand like Daniel, that faithful statesman, a man whom no temptation could corrupt. Do not disappoint Him who so loved you that He gave His own life to cancel your sins. He says, "Without Me ye can do nothing." John 15:5. Remember this. If you have made mistakes, you certainly gain a victory if you see these mistakes and regard them as beacons of warning. Thus you turn defeat into victory, disappointing the enemy and honoring your Redeemer. A character formed according to the divine likeness is the only treasure that we can take from this world to the next. Those who are under the instruction of Christ in this world will take every divine attainment with them to the heavenly mansions. And in heaven we are continually to improve. How important, then, is the development of character in this life.  

The heavenly intelligences will work with the human agent who seeks with determined faith that perfection of character which will reach out to perfection in action. To everyone engaged in this work Christ says, I am at your right hand to help you. As the will of man co-operates with the will of God, it becomes omnipotent. Whatever is to be done at His command may be accomplished in His strength. All His biddings are enablings. For unto whomsoever much is given, of him shall be much required: and to whom men have committed much, of him they will ask the more. Luke 12:48

God requires the training of the mental faculties. He designs that His servants shall possess more intelligence and clearer discernment than the worldling, and He is displeased with those who are too careless or too indolent to become efficient, well-informed workers. The Lord bids us love Him with all the heart, and with all the soul, and with all the strength, and with all the mind. This lays upon us the obligation of developing the intellect to its fullest capacity, that with all the mind we may know and love our Creator. If placed under the control of His Spirit, the more thoroughly the intellect is cultivated, the more effectively it can be used in the service of God. The uneducated man who is consecrated to God and who longs to bless others can be, and is, used by the Lord in His service. But those who, with the same spirit of consecration, have had the benefit of a thorough education, can do a much more extensive work for Christ. They stand on vantage ground.  

The Lord desires us to obtain all the education possible, with the object in view of imparting our knowledge to others. None can know where or how they may be called to labor or to speak for God. Our heavenly Father alone sees what He can make of men. There are before us possibilities which our feeble faith does not discern. Our minds should be so trained that if necessary we can present the truths of His word before the highest earthly authorities in such a way as to glorify His name. We should not let slip even one opportunity of qualifying ourselves intellectually to work for God.


Thankfulness should be our lifestyle everyday and in everyway.God has never ceased to be kind, merciful and favourable unto us inspire and despite our state, status and situations. The word “thankfulness” can be defined as the expressions of gratitude, especially to Almighty God who He is , what He has done, what He is doing and what He has done, what He is doing and what He will yet do. One of the greatest way to show symbol of appreciation to God is to give thanks.

According to Psalm 100:4 we are to enter into His gates with thanksgiving, and unto His courts with praise; be thankful unto Him, and bless His name.” Christ , Himself was the perfect  and leader by example of showing gratitude to God.

To be thankful is to;
  • Acknowledge the God behind your blessings and success
  • To recognise the past deeds of God Psalm 103:1-5
  • Appreciate God for thus far He has brought you.
  • Appreciate God in anticipation of a better tomorrow.

Why give thanks
  • God commander it. Psalm 100:2-4
  • God inhabits our praises
  • Because you are alive. It means there is hope for you. Job 14:7

Benefits of Thankfulness
1.It gives access into God's presence.( Psalm 100:4 ): Thankfulness open His gates. Until you enter His presence via thankfulness, there is no audience. And if there is no audience, there can't be answers to prayers
2. It unlocks many doors: Whenever thankfulness goes up, blessings come down. Acts 16:25. It sets the atmosphere for deliverance, breakthrough, promotion etc.
3. It  is the key to supernatural victories: (2 Chronicle 20:20): Gratitude passes the battle over to God. It brings God on the scene. It is a weapon against the enemies manipulations. Psalm 9:1-4
4. It brings multiplication and increase: Everyone who is grateful increase. Every blessing multiplies at the instance of thankfulness. It makes you a candidate for more blessings
5.Lost glory can restored Daniel 4:34-37
6. It focuses your mind on God's might and greatness above challenges
7.It strengthens our faith in Christ
8. It ignites joy in you. Psalm 28:7. You can't be sad while thanking God. Once joy is released, sadness and sorrow disappears
9. It promotes good health ( Proverbs 17:22): Research has shown that greatful people tend to enjoy good health more than ungreatful people.

Barriers to Thankfulness
  • Thoughtfulness
  • Ignorance
  • Pride
  • Past disappointment
  • Anger
  • Delay
  • Frustration

Conclusively, we need to make thankfulness a lifestyle. Ungreatfulness is a sign of the end time and should not be found among believers. As believers, we have a lot to be greatful for. The greatest saint in the world is not he prays most , fast most , gives most but he is the that is always thankfulness to God. He who does not thank God for little can't thank Him for much. It's the season to be greatful. Beloved, rejoice!


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.