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  1. Spencer

    How To Build a Habit?

    That's also another crucial point by clearly linking our goal with our day to day habits we can create a well craft out plan on how we can. Build a lasting habit, if you're just doing stuffs for their sake it will be incredibly hard to build any kind of leverage for your habit. The ideal way is...
  2. Spencer

    How To Build a Habit?

    We all have goals and aspirations but the truth is, the only way you can reach your goals is by building habits that clearly link to your goals, how long does it take to build a habit, according to James Clear, Author of Atomic Habits, it takes 90 days to create a habit. Also, you shouldn't try...
  3. Spencer

    Are You Over Staffed? How to Start Laying Off Your Extra Staff

    Over staffing is a big problem a lot of problems face, most people do nothing of significance at their place of work, they just go to work and pretend they're working so that they can make a salary, and as a company grows, the management will assume they can solve each and every problem through...
  4. Spencer

    What You Need To 'Unlearn' About Spending?

    As human beings most of our spending is not rational, most times we just shell out the credit card or keep piling stuff in because we feel like it or our friends just bought the same stuffs, I know it's hard to do, but if you want to succeed in personal finance, you have relearn how to spend...
  5. Spencer

    How can you easily avoid bad debts?

    This is easy to do, avoid living above your means that is your antidote, most people that got into debts is mostly because they overspend and don't have an income that supports their spending, if you can keep your expenses below your income then there's no way you can get into debt. Most people...
  6. Spencer

    How To Learn a New Skill with a Day Job?

    If you have a day job, you are probably busy the whole day so there is basically no time to learn a new skill that can make you more money for example, if you're looking at quitting your job, then learning a high income skill is the way to go, how can you carve out time to learn such skills...
  7. Spencer

    What Are The Ways to Make $50 Per Day Online

    In my country, you can live comfortable with a $1000/month, and on ways you can generate a $50/day depends on many things, but most especially your skill and your ability to sell, if you know how to trade you can easily make such amount without breaking a sweat. Also, if you can build websites...
  8. Spencer

    How To Reduce Your Business Expenses?

    As a business owner, there are a lot of things that affect your bottom line and they vary greatly, when you minus your expenses from your revenue, you get your profits, how can you reduce your expense to increase your overall profits? 1) Automation: You can increase your business bottom line by...
  9. Spencer

    How to Avoid Business Liabilities

    Business liabilities are understood as anything that costs your business money but do not bring in anything in profits, this could be anything though, ranging from your employees that are not productive and cost you losses to buying inventories that breaks easily or have a lot of returns of a...
  10. Spencer

    How Long Does it Take a Business to be Profitable?

    Business profitability is based on many factors for example the type of business you are in and how much cash flow you have in the business, in software business for example it will take sometime to turn a profit especially if you don't sell directly to customers, if you rely on ads for example...
  11. Spencer

    Online Investment Vs. Offline Investment

    Easier to start are online investment as you don't need a life changing budget to Kickstart, as long you've done your due diligence you're free to start and can also see returns faster than an offline business for examples, in an offline business you will have to arrange a bigger capital to kick...
  12. Spencer

    How Savings Can Make You Successful

    If you want to have a chance to take risks you need a sizeable amount of savings to take you through, winning in business is more or less like a playing baseball, one homerun can set you up for life, and you also just have to be right once, to be able to be in position for this you have to save...
  13. Spencer

    Why Do Boring Businesses Pay Better?

    yes, it's kind of mind boggling the numbers these kind of companies generate because they have very few competition, many people are not trying to start them, evryone wants to start a cool business they can brag to their friend's about, there are other types of business that deals with handy man...
  14. Spencer

    How To Make Your Business Inflation Proof

    Making a business inflation proof is super important, what are some of the ways business can become inflation free and make profits no matter how the economy is performing. 1) Pricing Strategy: This is the most important point, find a strong currency and peg your products and service towards...
  15. Spencer

    How to Sell Advertising Space on Your Blog

    To sell advertising space on your blog it has to be profitable and with a lot of traffic, which means people are visiting and engaging with your contents, that's the sweetest spot to be in, you can regulate your price based on the average cost per click in your niche or other metrics. To be...
  16. Spencer

    Do You Need a Camera to Start a YouTube Channel?

    If you're an intending content creator and you don't know where to start, there are different waya to get started without buying a camera, there are a lot of tools out there that can help you create compelling videos without camera, one of them is AI, you can subscribe to either InVideo or Mid...
  17. Spencer

    How to Create a Facebook Group and Build Your Community

    I've once worked on building a Facebook group, I worked very hard to get it off the ground, after a while it starts getting traffic, people were joining and what I did was basically posting contents consistently and making it relatable for people to chat with me, I will answer every question...
  18. Spencer

    Is Balanced Diet the Ideal Way to Eat?

    When it forms to eating or stuffs that deals with diet and nutrition what gets touted a lot is the balanced diet, where you try to get some share of each nutrient in your meals, but most people do not really notice what happens, and how it all comes together in our stomach. When you combine a...
  19. Spencer

    How to Monetize Your Followers By Selling Your Own Products

    It makes more sense if your followers are engaging enough, else it will be the best way to sell products, I see people with a lot of followers on Instagram for example to the tune of a million if you can sell just a 1$ product to each follower you are a millionaire, of course it's easier said...
  20. Spencer

    When Should a Failed Business Shutdown Operations?

    Cash flow is king in any type of business endeavor and running a business that is not cash flow positive is equivalent to swimming upstream, the wave is against you unless you have a plan of covering your costs as time goes on with your model. The moment a business owner realises his expenses...
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